{"id":8077,"date":"2024-01-24T11:17:59","date_gmt":"2024-01-24T03:17:59","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=8077"},"modified":"2024-01-24T11:17:59","modified_gmt":"2024-01-24T03:17:59","slug":"%e5%96%ae%e7%ad%86%e6%8a%95%e8%b3%87%e8%88%87%e5%ae%9a%e6%9c%9f%e5%ae%9a%e9%a1%8d%e6%af%94%e8%bc%83","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=8077","title":{"rendered":"\u55ae\u7b46\u6295\u8cc7 vs \u5b9a\u671f\u5b9a\u984d\u54ea\u500b\u597d\uff1f"},"content":{"rendered":"\n<p>\u5728\u6295\u8cc7\u7406\u8ca1\u4e2d\uff0c\u5e38\u5e38\u6703\u9762\u81e8\u7684\u5169\u500b\u9078\u64c7\u662f\u55ae\u7b46\u6295\u8cc7\u548c\u5b9a\u671f\u5b9a\u984d\u6295\u8cc7\u3002\u7576\u4f60\u624b\u4e0a\u64c1\u6709\u4e00\u7b46\u8cc7\u91d1\u6642\uff0c\u8a72\u5982\u4f55\u9078\u64c7\u6295\u5165\u7b56\u7565\u662f\u500b\u503c\u5f97\u63a2\u8a0e\u7684\u554f\u984c\u3002\u672c\u7bc7\u6587\u7ae0\u5c07\u6df1\u5165\u5206\u6790\u55ae\u7b46\u6295\u8cc7\u548c\u5b9a\u671f\u5b9a\u984d\u6295\u8cc7\u7684\u512a\u52a3\uff0c\u4e26\u6839\u64da\u4e0d\u540c\u5e02\u5834\u548c\u8cc7\u7522\u985e\u5225\u7684\u6b77\u53f2\u6578\u64da\uff0c\u63a2\u8a0e\u54ea\u7a2e\u7b56\u7565\u66f4\u80fd\u6709\u6548\u9054\u6210\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n<p>\u7121\u8ad6\u4f60\u662f\u65b0\u624b\u6295\u8cc7\u8005\u9084\u662f\u6709\u7d93\u9a57\u7684\u6295\u8cc7\u4eba\uff0c\u672c\u6587\u5c07\u63d0\u4f9b\u5be6\u8b49\u7814\u7a76\u7d50\u679c\uff0c\u5e6b\u52a9\u4f60\u5728\u9762\u5c0d\u5e02\u5834\u6ce2\u52d5\u6642\u505a\u51fa\u66f4\u660e\u667a\u7684\u6295\u8cc7\u6c7a\u7b56\uff0c\u4e26\u63d0\u9192\u4f60\u5728\u6295\u8cc7\u4e2d\u61c9\u8a72\u95dc\u6ce8\u7684\u95dc\u9375\u8981\u7d20\uff0c\u4ee5\u5be6\u73fe\u9577\u671f\u7a69\u5b9a\u7684\u8ca1\u52d9\u6210\u9577\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u55ae\u7b46\u6295\u8cc7\u8207\u5b9a\u671f\u5b9a\u984d\u5f71\u97f3\u8aaa\u660e<\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"\u3010\ud83d\udcb0\u7406\u8ca1\u5165\u9580\u61f6\u4eba\u5305EP6\u3011\u5b9a\u671f\u5b9a\u984d\u548c\u55ae\u7b46\u6295\u5165\uff0c\u4f60\u600e\u9ebc\u9078\u64c7?\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/y9b7r96Bzmw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-vs\">\u55ae\u7b46\u6295\u8cc7 vs \u5b9a\u671f\u5b9a\u984d<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u55ae\u7b46\u6295\u5165\u662f\u4ec0\u9ebc\uff1f<\/h3>\n\n\n\n<p>\u55ae\u7b46\u6295\u8cc7 ( Lump Sum Investment )\uff0c\u662f\u4e00\u6b21\u628a\u8cc7\u91d1\u6295\u5165\u5230\u5e02\u5834\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff1a\u5c07 300 \u842c\u5728\u76f4\u63a5\u4e00\u7b46\u6295\u5165\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u5b9a\u671f\u5b9a\u984d\u662f\u4ec0\u9ebc\uff1f<\/h3>\n\n\n\n<p><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4878\" target=\"_blank\" rel=\"noopener\" title=\"\">\u5b9a\u671f\u5b9a\u984d<\/a>\u7684\u82f1\u6587\u540d\u53eb ( Dollar Cost Averaging )\uff0c\u662f\u96a8\u8457\u6642\u9593\u904e\u53bb\uff0c\u628a\u9322\u6295\u5165\u5230\u5e02\u5834\u7576\u4e2d\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff1a\u5c07 300 \u842c\u5206\u6210 12 \u500b\u6708\u6295\u5165\uff0c\u6bcf\u500b\u6708\u6295\u8cc7 25 \u842c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"\u5b9a\u671f\u5b9a\u984dvs\u55ae\u7b46\u6295\u8cc7\u5230\u5e95\u54ea\u500b\u597d\uff1f\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/2uLywwlqZRg?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-7\">\u63a1\u7528\u55ae\u7b46\u6295\u5165\u6709\u8fd1 7 \u6210\u7684\u6642\u9593\u7684\u7d50\u679c\u512a\u65bc\u5206\u6279\u9032\u5834<\/h2>\n\n\n\n<p>\u6839\u64da\u5168\u7403\u7b2c\u4e8c\u5927\u7684\u8cc7\u7522\u7ba1\u7406\u516c\u53f8\u5148\u92d2\u9818\u822a Vanguard \u5728\u300a Cost averaging: Invest now or temporarily hold your cash ? \u300b\u7684\u7814\u7a76\u986f\u793a\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u63a1\u7528\u55ae\u7b46\u6295\u5165\u6709\u8fd1 7 \u6210\u7684\u6642\u9593\u7684\u7d50\u679c\u512a\u65bc\u5206\u6279\u9032\u5834\u3002<\/p>\n<\/blockquote>\n\n\n\n<p>\u7814\u7a76\u7684\u57fa\u790e\u662f\u5982\u679c\u624b\u908a\u6709\u4e00\u7b46 300 \u842c\u7684\u9592\u7f6e\u8cc7\u91d1\uff0c\u61c9\u8a72\u8981\u4e00\u6b21\u55ae\u7b46\u6295\u5165\uff1f\u9084\u662f\u8981\u5206\u6279\u9032\u5834\uff08\u4f8b\u5982\u5047\u8a2d\u6bcf\u6708\u6295\u5165 25 \u842c\uff0c\u5206\u6210 12 \u500b\u6708\u5b9a\u671f\u5b9a\u984d\u6295\u5165\uff09\uff1f<\/p>\n\n\n\n<p>\u7814\u7a76\u4eba\u54e1\u4f7f\u7528 1976 \u5e74\u81f3 2022 \u5e74\u7684MSCI\u4e16\u754c\u80a1\u5e02\u6307\u6578\u7684\u5831\u916c\u8a08\u7b97\uff0c\u5206\u5225\u4ee5\u540c\u6a23\u7684\u8cc7\u91d1\u6e2c\u8a66\u55ae\u7b46\u6295\u8cc7\u8207\u5206\u6279\u5b9a\u671f\u5b9a\u984d\u6295\u5165\u5169\u7a2e\u7b56\u7565\uff0c\u63a5\u8457\u8861\u91cf\u63a5\u4e0b\u4f86\u6301\u67091\u5e74\u7684\u5831\u916c\u7387\u8207\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u55ae\u7b46\u6295\u8cc7\u7684\u7d50\u679c\u5728 68 % \u7684\u6642\u9593\u6703\u6bd4\u5b9a\u671f\u5b9a\u984d\u597d\uff0c\u800c\u5b9a\u671f\u5b9a\u984d\u53c8\u6bd4\u4e0d\u6295\u8cc7\u5b8c\u5168\u6301\u6709\u73fe\u91d1\u597d\u3002<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background wp-element-button\" href=\"https:\/\/roboadvisor.com.tw\/ChooseLogin.html?Camp=Blog\" style=\"border-radius:33px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u99ac\u4e0a\u958b\u59cb\u55ae\u7b46\u6295\u8cc7\u8207\u5b9a\u671f\u5b9a\u984d\uff01<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-50.png\" alt=\"\" class=\"wp-image-8305\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-50.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-50-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-50-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-50-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-50-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u7531\u65bc\u7814\u7a76\u6e2c\u8a66\u4e86 3 \u500b\u6210\u719f\u5e02\u5834\uff0c\u5305\u542b\u7f8e\u570b\u3001\u82f1\u570b\u8207\u6fb3\u6d32\uff0c\u90fd\u767c\u73fe\u985e\u4f3c\u7684\u7d50\u679c\uff0c\u66f4\u51f8\u986f\u4e86\u9019\u4efd\u7814\u7a76\u503c\u5f97\u53c3\u8003\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-34.png\" alt=\"\" class=\"wp-image-8081\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-34.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-34-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-34-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-34-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-34-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u5373\u4f7f\u662f\u4e0d\u540c\u8cc7\u7522\uff0c\u55ae\u7b46\u6295\u8cc7\u901a\u5e38\u512a\u65bc\u5b9a\u671f\u5b9a\u984d<\/h2>\n\n\n\n<p>\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u6295\u8cc7\u908f\u8f2f\u662f\u5168\u7403\u5206\u6563\u7684\u591a\u5143\u8cc7\u7522\u914d\u7f6e\uff0c\u6709\u4e9b\u6295\u8cc7\u4eba\u4fbf\u6703\u597d\u5947\u662f\u4e0d\u540c\u8cc7\u7522\u4e5f\u6709\u76f8\u540c\u7684\u60c5\u6cc1\u55ce\uff1f\u7b54\u6848\u662f\u80af\u5b9a\u7684\uff0c\u662f\u7684\uff0c\u5373\u4f7f\u662f\u4e0d\u540c\u8cc7\u7522\uff0c\u55ae\u7b46\u6295\u8cc7\u901a\u5e38\u512a\u65bc\u5b9a\u671f\u5b9a\u984d\u3002<\/p>\n\n\n\n<p>Ritholtz Wealth Management \u7684\u8cc7\u6599\u79d1\u5b78\u5bb6\u7d71\u8a08\u4e86\u4e0d\u540c\u8cc7\u7522\u7684\uff0c\u66f4\u904b\u7528\u4e86\u98a8\u96aa\u8abf\u6574\u5f8c\u7684\u590f\u666e\u6bd4\u7387\uff0c\u7576\u590f\u666e\u6bd4\u7387\u8d8a\u9ad8\uff0c\u4ee3\u8868\u627f\u64d4\u6bcf\u55ae\u4f4d\u7684\u98a8\u96aa\u4e0b\uff0c\u6211\u5011\u53ef\u4ee5\u7372\u5f97\u66f4\u9ad8\u7684\u5831\u916c\u3002<\/p>\n\n\n\n<p>\u4e0b\u5716\u986f\u793a\u4e86\u5927\u591a\u6578\u7684\u8cc7\u7522\u9078\u64c7\u55ae\u7b46\u6295\u8cc7\u7684\u8868\u73fe\u90fd\u512a\u65bc\u5b9a\u671f\u5b9a\u984d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-36.png\" alt=\"\" class=\"wp-image-8117\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-36.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-36-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-36-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-36-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-36-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u505a\u597d\u80a1\u50b5\u5206\u6563\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u5373\u4f7f\u662f\u55ae\u7b46\u6295\u8cc7\u4e5f\u5f88\u5b89\u5168<\/h2>\n\n\n\n<p>\u5f9e\u6295\u8cc7\u5831\u916c\u7684\u6a19\u6e96\u5dee\u4f86\u8861\u91cf\uff0c\u55ae\u7b46\u6295\u8cc7\u80a1\u50b5 60\/40 \u7684\u6295\u8cc7\u7d44\u5408\u7684\u6a19\u6e96\u5dee\u4e5f\u63a5\u8fd1\u5206\u6279\u6295\u8cc7 100%\u80a1\u7968\u7684\u6295\u8cc7\u7d44\u5408\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\uff0c\u627e\u51fa\u9069\u5408\u81ea\u5df1\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u5c31\u53ef\u4ee5\u55ae\u7b46\u6295\u8cc7\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-37.png\" alt=\"\" class=\"wp-image-8157\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-37.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-37-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-37-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-37-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-37-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"\u4f60\u77e5\u9053\u5b9a\u671f\u5b9a\u984d\u6295\u8cc7\u4e5f\u53ef\u80fd\u8ce0\u9322\u55ce\uff1f\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/m3NdhYGKFkU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u7576\u80a1\u5e02\u4f30\u503c\u76f8\u5c0d\u9ad8\u9ede\uff0c\u662f\u4e0d\u662f\u4e5f\u8981\u8003\u616e\u5b9a\u671f\u5b9a\u984d\u5206\u6279\u6295\u8cc7\uff1f<\/h2>\n\n\n\n<p>\u6709\u4e9b\u670b\u53cb\u4e0d\u7981\u6703\u554f\u9053\uff0c\u5982\u679c\u6211\u53ef\u4ee5\u7528\u4e00\u4e9b\u4f30\u503c\u7684\u65b9\u5f0f\u8a08\u7b97\u80a1\u5e02\u50f9\u683c\uff0c\u662f\u4e0d\u662f\u5c31\u61c9\u8a72\u8003\u616e\u5b9a\u671f\u5b9a\u984d\uff1f\u7562\u7adf\u7576\u8cc7\u7522\u7dad\u6301\u4e0a\u6f32\u8da8\u52e2\uff0c\u55ae\u7b46\u8f03\u4f73\uff0c\u7576\u8cc7\u7522\u50f9\u683c\u4e0b\u8dcc\uff0c\u5b9a\u671f\u5b9a\u984d\u70ba\u512a\u65bc\u55ae\u7b46\u3002<\/p>\n\n\n\n<p>\u4e0b\u5716\u6839\u64da 1960 &#8211; 2022 \u5e74\u5b9a\u671f\u5b9a\u984d\u7f8e\u570b\u80a1\u5e02\u7684\u8868\u73fe\uff0c\u6bd4\u8f03\u5b9a\u671f\u5b9a\u984d\u8207\u55ae\u7b46\u6295\u8cc7\u7684\u7e3e\u6548\u8868\u73fe\uff0c\u7d05\u7dda\u4ee3\u8868\u7528\u5e2d\u52d2\u8abf\u6574\u672c\u76ca\u6bd4\uff08CAPE\uff09\uff0c\u8d8a\u7d05\u8272\u4ee3\u8868\u80a1\u5e02\u4f30\u503c\u76f8\u5c0d\u8d8a\u9ad8\u3002 <\/p>\n\n\n\n<p>\u5728\u9019\u5f35\u5716\u7684\u4e0a\u534a\u90e8\u4ee3\u8868\u5b9a\u671f\u5b9a\u984d\u8d0f\u904e\u55ae\u7b46\u6295\u8cc7\uff0c\u4e0b\u534a\u90e8\u4ee3\u8868\u5b9a\u671f\u5b9a\u984d\u843d\u5f8c\u55ae\u7b46\u6295\u8cc7\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-39.png\" alt=\"\" class=\"wp-image-8161\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-39.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-39-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-39-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-39-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-39-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u5927\u591a\u6578\u6642\u5019\u5b9a\u671f\u5b9a\u984d\u512a\u65bc\u55ae\u7b46\u6295\u8cc7\u90fd\u662f\u5728 CAPE \u5e2d\u52d2\u672c\u76ca\u6bd4\u5927\u65bc 26 \u7684\u6642\u5019\uff0c\u4e0d\u904e\u4f60\u7d9c\u89c0\u9019\u9577\u9054 60 \u5e74\u7684\u89c0\u5bdf\u671f\uff0c\u80a1\u5e02\u7684\u4f30\u503c\u6709\u9ad8\u6709\u4f4e\uff0c\u7531\u65bc\u8cc7\u7522\u5927\u591a\u6642\u5019\u90fd\u662f\u4e0a\u6f32\u7684\uff0c\u5c0e\u81f4\u5169\u8005\u6bd4\u8f03\u7684\u7d50\u679c\u843d\u5728\u4e0b\u534a\u90e8\u3002<\/p>\n\n\n\n<p>\u63db\u53e5\u8a71\u8aaa\uff0c\u5373\u4f7f\u8003\u616e\u5e02\u5834\u7684\u4f30\u503c\uff0c\u5728\u591a\u6578\u6642\u5019\u55ae\u7b46\u6295\u8cc7\u9084\u662f\u66f4\u6709\u6a5f\u6703\u512a\u65bc\u5b9a\u671f\u5b9a\u984d\uff0c\u4f8b\u5982\u57282016 \u5e74\u8d77\u5230 2022 \u5e74\uff0c\u5e2d\u52d2\u672c\u76ca\u6bd4\u90fd\u5927\u65bc 26 \u500d\uff0c\u9019\u6bb5\u6642\u9593\u5373\u4f7f\u4f30\u503c\u9ad8\uff0c\u4f46\u55ae\u7b46\u6295\u8cc7\u4ecd\u7136\u7b46\u5b9a\u671f\u5b9a\u984d\u4f86\u7684\u597d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u55ae\u7b46 vs \u5b9a\u671f\u5b9a\u984d\uff1a\u6309\u7167\u80a1\u5e02\u9ad8\u5e95\u9ede\u6bd4\u8f03<\/h3>\n\n\n\n<p>\u4e0b\u5716\u7d71\u8a08\u5c07\u80a1\u5e02\u4f9d\u7167\u4f30\u503c\u5206\u6210 4 \u500b\u5340\u9593\uff0c\u55ae\u7b46\u6295\u8cc7\u7684\u98a8\u96aa\u8abf\u6574\u5f8c\u5831\u916c\uff08\u590f\u666e\u6bd4\u7387\uff09\u90fd\u66f4\u9ad8\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-40.png\" alt=\"\" class=\"wp-image-8179\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-40.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-40-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-40-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-40-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-40-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u900f\u904e\u9019\u5e7e\u5f35\u5716\u8868\uff0c\u4e26\u4e0d\u662f\u8981\u5426\u5b9a\u5b9a\u671f\u5b9a\u984d\u7684\u597d\u8655\uff0c\u9f13\u5439\u4e00\u5b9a\u8981\u55ae\u7b46\u6295\u8cc7\uff0c\u76f8\u53cd\uff0c\u6211\u5e0c\u671b\u50b3\u9054\u6295\u8cc7\u7ba1\u7406\u662f\u4e00\u500b\u9700\u8981\u6975\u5ea6\u5ba2\u88fd\u5316\u7684\u9818\u57df\uff0c\u9019\u4e5f\u662f\u9700\u8981\u6295\u8cc7\u898f\u5283\u7684\u7de3\u7531\uff0c\u9019\u4e00\u9ede\u6070\u5de7\u662f\u6a5f\u5668\u4eba\u7406\u8ca1\u64c5\u9577\u7684\u9818\u57df\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u662f\u5be6\u7528\u7684\uff0c\u80fd\u5e6b\u6211\u5011\u52a0\u901f\u76ee\u6a19\u9054\u6210\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u662f\u6709\u8da3\u7684\uff0c\u860a\u542b\u8457\u6a5f\u7387\u3001\u6c7a\u7b56\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u65b9\u5f0f\u4e26\u4e0d\u662f\u7d55\u5c0d\u7684\uff0c\u80a1\u5e02\u7684\u4f30\u503c\u4e26\u4e0d\u662f\u4e0d\u91cd\u8981\uff0c\u4f46\u6c92\u6709\u6211\u5011\u60f3\u50cf\u4e2d\u90a3\u9ebc\u91cd\u8981\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u55ae\u7b46\u6295\u8cc7\u8207\u5b9a\u671f\u5b9a\u984d\u6bd4\u8f03\u8868<\/h2>\n\n\n\n<p>\u4e0b\u8868\u6211\u5011\u6574\u7406\u4e86\u55ae\u7b46\u6295\u8cc7\u8207\u5b9a\u671f\u5b9a\u984d\u7684\u6bd4\u8f03\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u6295\u5165\u65b9\u5f0f<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u9069\u5408\u8ab0<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u512a\u9ede<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u7f3a\u9ede<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5b9a\u671f\u5b9a\u984d<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u8077\u5834\u65b0\u9bae\u4eba<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u900f\u904e\u6295\u8cc7\u5b58\u9322<br \/>\u6162\u6162\u7d2f\u7a4d\u6295\u8cc7\u7d93\u9a57<br \/>\u9010\u6f38\u9069\u61c9\u5e02\u5834\u8b8a\u5316<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u91d1\u984d\u592a\u5c11\u7372\u5229\u8f03\u6162<br \/>\u5bb9\u6613\u5ffd\u7565\u5c0f\u91d1\u984d\u4e5f\u80fd\u7a4d\u6c99\u6210\u5854<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u55ae\u7b46\u6295\u8cc7<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5373\u5c07\u9000\u4f11\u7684\u4eba<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5feb\u901f\u9032\u5165\u5e02\u5834<br \/>\u99ac\u4e0a\u53d6\u5f97\u5e02\u5834\u5831\u916c<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5bb9\u6613\u9677\u5165\u9810\u6e2c\u9ad8\u4f4e\u7684\u5fc3\u614b<br \/>\u5fc3\u7406\u7121\u6cd5\u63a5\u53d7\u4e00\u7b46\u6295\u5165<br \/>\u6703\u9700\u8981\u6709\u4eba\u5354\u52a9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u55ae\u7b46<br \/>\uff0b<br \/>\u5b9a\u671f\u5b9a\u984d<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6709\u6578\u5e74\u5de5\u4f5c\u7d93\u9a57<br \/>\u8077\u5834\u751f\u529b\u8ecd<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u900f\u904e\u6295\u8cc7\u653e\u5927\u8cc7\u7522<br \/>\u53ef\u4ee5\u7528\u9322\u53bb\u8cfa\u9322<br \/>\u5275\u9020\u88ab\u52d5\u6536\u5165<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7d93\u6fdf\u58d3\u529b\u5927\u8005<br \/>\u62ff\u4e0d\u51fa\u8cc7\u91d1\u6295\u8cc7<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><br \/>\u6574\u7406\uff1a\u963f\u723e\u767c\u6295\u9867<\/figcaption><\/figure>\n\n\n\n<p>\u505a\u500b\u6bd4\u8f03\uff0c\u5206\u6279\u6295\u5165\u7684\u65b9\u5f0f\u53ef\u4ee5\u5206\u6563\u6295\u8cc7\u98a8\u96aa\uff0c\u800c\u6574\u7b46\u6295\u5165\u80fd\u5920\u66f4\u5feb\u901f\u9032\u5165\u5e02\u5834\u3002<\/p>\n\n\n\n<p>\u7576\u5df2\u7d93\u5b58\u4e86\u4e00\u7b46\u9322\u3001\u7a81\u7136\u6709\u4e00\u7b46\u6536\u5165\u6642\uff0c\u4f8b\u5982\u5132\u84c4\u96aa\u5230\u671f\u3001\u7e7c\u627f\u3001\u734e\u91d1\uff0c\u540c\u6642\u5c07\u6574\u7b46\u8cc7\u91d1\u6295\u5165\u662f\u6bd4\u8f03\u6709\u5229\u7684\u3002<\/p>\n\n\n\n<p>\u4ec0\u9ebc\u6642\u5019\u5206\u6279\u9032\u5834\uff1f\u7576\u4f60\u60f3\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u60f3\u6700\u5927\u5730\u6e1b\u5c11\u5de8\u5927\u7684\u4e0b\u8dcc\u98a8\u96aa<\/li>\n\n\n\n<li>\u60f3\u8981\u5229\u7528\u5e02\u5834\u7684\u6ce2\u52d5\u964d\u4f4e\u6301\u6709\u6210\u672c<\/li>\n\n\n\n<li>\u4e0d\u60f3\u5f8c\u6094\uff0c\u4e0d\u60f3\u8981\u8cb7\u4e86\u4e4b\u5f8c\u99ac\u4e0a\u8dcc\uff0c\u624b\u4e0a\u537b\u6c92\u6709\u8cc7\u91d1\u53ef\u4ee5\u52a0\u78bc<\/li>\n<\/ol>\n\n\n\n<p>\u9078\u64c7\u5206\u6279\u9032\u5834\uff0c\u5225\u5fd8\u4e86\u55ae\u7b46\u6295\u8cc7\u7684 3 \u500b\u597d\u8655\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u55ae\u7b46\u6295\u8cc7\u53ef\u4ee5\u8b93\u4f60\u66f4\u5feb\u901f\u9032\u5165\u5e02\u5834\uff0c\u53d6\u5f97\u9810\u671f\u5831\u916c\u3002<\/li>\n\n\n\n<li>\u6b77\u53f2\u8da8\u52e2\u8868\u660e\uff0c\u80a1\u7968\u50b5\u5238\u6295\u7d44\u7684\u9810\u671f\u6536\u76ca\u5927\u65bc\u73fe\u91d1\u6216\u662f\u50b5\u5238\u3002<\/li>\n\n\n\n<li>\u7576\u5e02\u5834\u4e0a\u6f32\u6642\uff0c\u6709\u5145\u5206\u7684\u8cc7\u7522\u5728\u5834\u5167\u80fd\u5920\u4eab\u53d7\u5230\u4e0a\u6f32\u7684\u7d05\u5229\u3002<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u5c31\u50cf\u7a2e\u6a39\u4e00\u6a23\uff01\u53ca\u65e9\u9032\u5834\u6295\u8cc7\u662f\u6709\u597d\u8655\u7684<\/h2>\n\n\n\n<p>\u4e0d\u904e\u8981\u8a18\u4f4f\u5537\uff01\u5e02\u5834\u4e0a\u6f32\u7684\u6a5f\u7387\u5f80\u5f80\u5927\u65bc\u4e0b\u8dcc\u7684\u6a5f\u7387\uff0c\u56e0\u70ba\u6050\u61fc\u6216\u662f\u64d4\u6182\u3001\u89ba\u5f97\u6703\u8dcc\u800c\u628a\u8cc7\u91d1\u7de9\u4e00\u7de9\u6295\u5165\uff0c\u901a\u5e38\u7121\u6fdf\u65bc\u4e8b\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u9577\u671f\u6295\u8cc7\u9810\u671f\u70ba\u6b63\uff0c\u90a3\u9ebc\u6700\u597d\u8b93\u66f4\u591a\u7684\u8cc7\u91d1\u66ff\u6211\u5011\u5de5\u4f5c\uff0c\u800c\u4e0d\u662f\u9592\u7f6e\u5728\u5834\u908a\uff0c\u5ef6\u9072\u90e8\u5206\u8cc7\u7522\u9032\u5165\u5e02\u5834\u610f\u5473\u8457\u653e\u68c4\u672c\u4f86\u9810\u671f\u7684\u6536\u76ca\u3002<\/p>\n\n\n\n<p>\u5168\u7403\u80a1\u5e02\u5f9e 1987 \u5e74\u4ee5\u4f86\uff0c\u4e0a\u6f32\u8d85\u904e 13 \u500d\uff0c\u5e73\u5747\u5e74\u5831\u916c\u7387 7.7%\uff0c\u5373\u4f7f\u4e2d\u9593\u7d93\u904e\u8a31\u591a\u4e8b\u4ef6\uff0c\u4f46\u9019\u63a5\u662f\u4ef6\u90fd\u4e0d\u61c9\u8a72\u6210\u70ba\u4e2d\u65b7\u6295\u8cc7\u7684\u7406\u8ca1\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u5728\u5927\u90e8\u5206\u7684\u6642\u9593\u88e1\uff0c\u73fe\u5728\u958b\u59cb\u6295\u8cc7\u76f8\u7576\u503c\u5f97\u3002<\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"655\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/02\/0006.png\" alt=\"\" class=\"wp-image-5894\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/02\/0006.png 1080w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/02\/0006-300x182.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/02\/0006-1024x621.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2023\/02\/0006-768x466.png 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u6c92\u6709\u55ae\u7b46\u6295\u8cc7\uff0c\u5c31\u4e00\u5b9a\u4e0d\u597d\u55ce\uff1f<\/h2>\n\n\n\n<p>\u300c\u6211\u77e5\u9053\u55ae\u7b46\u6295\u8cc7\u8f03\u597d\uff0c\u4f46\u5982\u679c\u6211\u9078\u64c7\u5b9a\u671f\u5b9a\u984d\u5206\u6279\u9032\u5834\u5c31\u4e00\u5b9a\u932f\u55ce\uff1f\u300d<\/p>\n\n\n\n<p>\u4e26\u4e0d\u662f\uff0c\u6211\u5011\u4e5f<strong>\u8981\u8a55\u4f30\u6295\u8cc7\u4eba\u7684\u640d\u5931\u8da8\u907f\u50be\u5411<\/strong>\u3002\u640d\u5931\u8da8\u907f\u50be\u5411\u662f\u6307\u9762\u5c0d\u540c\u6a23\u6578\u91cf\u7684\u5229\u5f97\u8207\u640d\u5931\u6642\uff0c\u8a8d\u70ba\u640d\u5931\u66f4\u52a0\u4ee4\u4ed6\u5011\u96e3\u4ee5\u5fcd\u53d7\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u640d\u5931\u8da8\u907f\u7684\u4eba\u4f86\u8aaa\uff0c\u70ba\u4e86\u907f\u514d\u8cb7\u9032\u5c31\u8dcc\u7684\u5f8c\u6094\uff0c\u4ed6\u5011\u9084\u662f\u50be\u5411\u9078\u64c7\u5206\u6279\u6295\u5165\u3002<\/p>\n\n\n\n<p>\u5206\u6279\u6295\u5165\u7684\u597d\u8655\u5728\u65bc\u504f\u91cd\u9632\u79a6\u6027\uff0c\u5728\u7f8e\u570b\u5e02\u5834\u6e2c\u8a66\u7684 1,021 \u500b\u6efe\u52d5\u6295\u5165\u671f\u9593\u4e2d\uff0c\u5206\u6279\u6295\u5165\u7684\u4e0b\u8dcc\u60c5\u5f62\u8f03\u5c11\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6574\u7b46\u6295\u5165\uff1a\u300c\u770b\u5230\u8667\u640d\u7387\u300d\u70ba 22.4%\uff0c229 \u500b\u60c5\u5883\u4e2d\u6295\u8cc7\u4eba\u6703\u770b\u5230\u8667\u640d<\/li>\n\n\n\n<li>\u5206\u6279\u6295\u5165\uff1a\u300c\u770b\u5230\u8667\u640d\u7387\u300d\u70ba 17.6%\uff0c180 \u500b\u60c5\u5883\u4e2d\u6295\u8cc7\u4eba\u6703\u770b\u5230\u8667\u640d<\/li>\n<\/ul>\n\n\n\n<p>\u539f\u56e0\u5c31\u5728\u65bc\u7576\u5e02\u5834\u5448\u73fe\u56de\u6a94\u6642\uff0c\u73fe\u91d1\u90e8\u4f4d\u767c\u63ee\u7684\u9632\u5b88\u4ee5\u53ca\u964d\u4f4e\u6295\u7d44\u98a8\u96aa\u7684\u529f\u6548\uff0c\u76f8\u5c0d\u7684\uff0c\u4e5f\u5c31<strong>\u6bd4\u8f03\u5c11\u90e8\u4f4d\u53c3\u8207\u5230\u5e02\u5834\u6f5b\u5728\u7684\u6f32\u5e45<\/strong>\u3002<\/p>\n\n\n\n<p><strong>\u5206\u6279\u6295\u5165\u7684\u671f\u9593\uff0c\u6295\u7d44\u5176\u5be6\u662f\u504f\u91cd\u73fe\u91d1\u7684\u4fdd\u5b88\u914d\u7f6e<\/strong>\uff0c\u8ddd\u96e2\u76ee\u6a19\u914d\u7f6e\u6bd4\u4f8b\u9084\u6709\u6bb5\u8ddd\u96e2\uff0c\u53ea\u6709\u7576\u5b8c\u6210\u914d\u7f6e\u4e4b\u5f8c\u624d\u662f\u771f\u6b63\u5b8c\u6210\u90e8\u7f72\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u6295\u5165\u7b56\u7565\u6c92\u6709\u7d55\u5c0d\u597d\u58de\uff0c\u53ea\u6709\u80fd\u5426\u9054\u6210\u8ca1\u52d9\u76ee\u6a19<\/h3>\n\n\n\n<p>\u55ae\u7b46\u6295\u8cc7\u6216\u662f\u5206\u6279\u6295\u8cc7\u4e26\u6c92\u6709\u7d55\u5c0d\u597d\u58de\uff0c\u5982\u4f55\u55ae\u7b46\u6295\u8cc7\uff0c\u53d6\u6c7a\u65bc\u6295\u8cc7\u4eba\u7684\u7d93\u9a57\u4ee5\u53ca\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u3002<\/p>\n\n\n\n<p>\u8eab\u70ba\u6295\u8cc7\u9867\u554f\uff0c\u6211\u5011\u600e\u9ebc\u770b\uff1f\u6211\u5011\u5982\u4f55\u8a55\u4f30\u6295\u8cc7\u4eba\u7684\u5fc3\u7406\u8a8d\u77e5\uff1f<\/p>\n\n\n\n<p>\u4e0d\u50c5\u50c5\u5ba2\u6236\u3001\u5165\u9580\u6295\u8cc7\u8005\u6703\u9762\u81e8\u6050\u61fc\uff0c\u8eab\u70ba\u6295\u8cc7\u9867\u554f\u540c\u6a23\u6703\u64d4\u5fc3\u5ba2\u6236\u8cb7\u9032\u5c31\u8dcc\uff0c\u6211\u5011\u4e5f\u4e0d\u5fcd\u5fc3\u770b\u5230\u5165\u9580\u6295\u8cc7\u8005\u5728\u6bd4\u8cfd\u4e00\u958b\u59cb\u5c31\u906d\u9047\u9006\u98a8\u3002<\/p>\n\n\n\n<p>\u4f46\u8eab\u70ba\u6295\u8cc7\u9867\u554f\uff0c\u6211\u5011\u5fc5\u9808\u57fa\u65bc\u904e\u53bb\u7684\u72c0\u6cc1\u3001\u7d93\u9a57\u3001\u7814\u7a76\u7b49\u7b49\u5c08\u696d\uff0c\u5206\u4eab\u5be6\u8b49\u7684\u7d50\u679c\uff0c\u6700\u5f8c\u5c07\u6c7a\u5b9a\u6b0a\u9084\u7d66\u5ba2\u6236\uff0c\u9019\u662f\u57fa\u65bc\u5c08\u696d\u505a\u51fa\u7684\u6c7a\u5b9a\uff0c\u9019\u624d\u662f\u5c08\u696d\u7684\u8868\u73fe\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u60f3\u50b3\u9054\u7684\u662f\uff0c\u5982\u679c\u4f60\u5df2\u7d93\u6709\u4e00\u7b46\u8ca1\u5bcc\uff0c\u90a3\u9ebc\u5728\u5145\u5206\u91d0\u6e05\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\uff0c\u77e5\u9053\u60a8\u7684\u98a8\u96aa\u5c6c\u6027\u4ee5\u53ca\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u7d44\u5408\u5f8c\uff0c\u6574\u7b46\u6295\u5165\u662f\u52dd\u7387\u8f03\u9ad8\u7684\u65b9\u5f0f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aioseo-\">\u8acb\u7262\u7262\u76ef\u4f4f\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\uff0c\u9019\u662f\u552f\u4e00\u6307\u6a19<\/h3>\n\n\n\n<p>\u4f46\u9019\u53ea\u662f\u4e00\u500b\u8b70\u984c\u7684\u7d50\u675f\uff0c\u6700\u5f8c\u9084\u662f\u8981\u56de\u6b78\u5230\u60a8\u7684\u8ca1\u52d9\u8a08\u756b\u662f\u5426\u80fd\u9054\u6210\u60a8\u7684\u8ca1\u52d9\u76ee\u6a19\uff1f\u6210\u529f\u7387\u662f\u5426\u8db3\u5920\u6709 85%\uff1f<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u7684\u6295\u5165\u8a08\u756b\u4e0d\u5920\uff0c\u5373\u4f7f\u55ae\u7b46\u6295\u8cc7\u8f03\u597d\uff0c\u4f46\u60a8\u7684\u6295\u8cc7\u8a08\u5283\u6642\u9593\u4e0d\u5920\u3001\u76ee\u6a19\u592a\u9ad8\u3001\u6295\u8cc7\u7d44\u5408\u4e0d\u9069\u5408\u3001\u6c92\u6709\u5805\u6301<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1703\" target=\"_blank\" rel=\"noopener\" title=\"\">\u518d\u5e73\u8861<\/a>\uff0c\u751a\u81f3\u7f3a\u4e4f\u5f8c\u7e8c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4878\" target=\"_blank\" rel=\"noopener\" title=\"\">\u5b9a\u671f\u5b9a\u984d<\/a>\u6295\u5165\uff0c\u9019\u4e9b\u53c3\u6578\u90fd\u6709\u53ef\u80fd\u5c0e\u81f4\u60a8\u6700\u5f8c\u6c92\u6709\u9054\u6210\u60a8\u7684\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u61c9\u8a72\u8981\u76ef\u4f4f\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\uff0c\u9019\u4e5f\u662f\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u8207\u5176\u4ed6\u7406\u8ca1\u65b9\u5f0f\u4e0d\u540c\u7684\uff0c\u5728\u963f\u723e\u767c\u4e0d\u50c5\u50c5\u662f\u958b\u59cb\u6295\u8cc7\uff0c\u66f4\u91cd\u8981\u7684\u662f\u9054\u6210\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u7b97\u7d66\u4f60\u770b\uff0c\u55ae\u7b46 + \u5b9a\u671f\u5b9a\u984d\u6700\u597d\u9054\u6210\u76ee\u6a19<\/h2>\n\n\n\n<p>\u525b\u51fa\u793e\u6703\uff0c\u6216\u662f\u5df2\u7d93\u6295\u8cc7\uff0c\u56e0\u70ba\u6709\u5176\u4ed6\u652f\u51fa\u5c0e\u81f4\u53ef\u6295\u8cc7\u91d1\u984d\u8f03\u4f4e\u6642\uff0c\u6bcf\u6708\u5b9a\u671f\u5b9a\u984d\u7684\u898f\u5f8b\u6295\u8cc7\u662f\u8f03\u4f73\u7684\u6295\u8cc7\u7b56\u7565\u3002<\/p>\n\n\n\n<p>\u5230\u4e86\u4e2d\u5e74\uff0c\u6240\u7d2f\u7a4d\u7684\u8cc7\u672c\u8f03\u5145\u88d5\u5f8c\uff0c\u5efa\u8b70\u53ef\u5229\u7528\u300c\u55ae\u7b46+\u5b9a\u671f\u5b9a\u984d\u300d\u96d9\u7ba1\u9f4a\u4e0b\u7b56\u7565\uff0c\u66f4\u80fd\u52a0\u901f\u9054\u6210\u8ca1\u52d9\u76ee\u6a19\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u300c\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u300d\u6b77\u53f2\u6578\u64da\u56de\u6e2c\uff0c\u55ae\u7b46\u6295\u5165 30 \u842c\u5143\u52a0\u4e0a\u6bcf\u6708 5 \u5343\u5143\u7684\u5b9a\u671f\u5b9a\u984d\uff0c15\u5e74\u53ef\u7d2f\u7a4d 250 \u842c\u5143\u300120 \u5e74\u66f4\u6709\u671b\u9054\u5230 402 \u842c\u5143\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-35.png\" alt=\"\" class=\"wp-image-8108\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-35.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-35-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-35-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-35-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/01\/image-35-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u7559\u610f\u5f85\u5728\u5834\u5167\u7684\u6642\u9593\uff0c\u800c\u975e\u6642\u6a5f\uff01<\/h2>\n\n\n\n<p>\u4e0d\u7ba1\u662f\u6574\u7b46\u6295\u5165\u6216\u662f\u5206\u6279\u6295\u5165\uff0c\u9019\u90fd\u662f\u9032\u5834\u65b9\u5f0f\u4e4b\u4e00\uff0c\u66f4\u91cd\u8981\u7684\u662f\u8981\u7559\u610f\u5f85\u5728\u5834\u5167\u7684\u6642\u9593\uff0c\u505a\u5230\u9577\u671f\u6301\u6709\u3002<\/p>\n\n\n\n<p>\u900f\u904e\u5b9a\u671f\u8ffd\u8e64\u963f\u723e\u767c\u7684\u90e8\u843d\u683c\u63d0\u5347\u81ea\u5df1\u7684\u8ca1\u5546\u77e5\u8b58\uff0c\u5efa\u7acb\u5c0d\u65bc\u5e02\u5834\u6ce2\u52d5\u7684\u8a8d\u77e5\uff0c\u9019\u662f\u9762\u5c0d\u4e0d\u78ba\u5b9a\u7684\u5e02\u5834\u552f\u4e00\u78ba\u5b9a\u7684\u6210\u529f\u65b9\u7a0b\u5f0f\u3002<\/p>\n\n\n\n<p>\u7e3d\u7d50\u5728\u6295\u8cc7\u4e4b\u524d\uff0c\u4e0d\u7ba1\u662f\u55ae\u7b46\u6295\u8cc7\u6216\u662f\u5b9a\u671f\u5b9a\u984d\u5206\u6279\u6295\u5165\uff0c\u6211\u5011\u8981\u8a18\u4f4f\u7684 3 \u500b\u91cd\u9ede\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u91d0\u6e05\u81ea\u5df1\u7684\u6295\u8cc7\u76ee\u6a19<\/li>\n\n\n\n<li>\u904b\u7528<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" target=\"_blank\" rel=\"noopener\" title=\"\">\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\u627e\u51fa\u9069\u5408\u81ea\u5df1\u7684\u8cc7\u7522\u914d\u7f6e<\/li>\n\n\n\n<li>\u8b39\u614e\u8a55\u4f30\uff0c\u5927\u81bd\u4f48\u5c40\uff0c\u9577\u671f\u6301\u6709<\/li>\n<\/ol>\n\n\n\n<p>\u6700\u5f8c\uff0c\u6211\u7528\u6211\u559c\u6b61\u7684\u4e00\u53e5\u8a71\u8ddf\u5927\u5bb6\u5206\u4eab\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u505a\u9577\u671f\u4e3b\u7fa9\u8005\uff1a\u751f\u547d\u4e2d\u6240\u6709\u7684\u56de\u5831\uff0c\u7121\u8ad6\u662f\u5728\u8ca1\u5bcc\u3001\u4eba\u969b\u95dc\u4fc2\u9084\u662f\u77e5\u8b58\u4e0a\uff0c\u90fd\u4f86\u81ea\u8907\u5229\u3002<\/p>\n<\/blockquote>\n\n\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u6295\u8cc7\u7406\u8ca1\u4e2d\uff0c\u5e38\u5e38\u6703\u9762\u81e8\u7684\u5169\u500b\u9078\u64c7\u662f\u55ae\u7b46\u6295\u8cc7\u548c\u5b9a\u671f\u5b9a\u984d\u6295\u8cc7\u3002\u7576\u4f60\u624b\u4e0a\u64c1\u6709\u4e00\u7b46\u8cc7\u91d1\u6642\uff0c\u8a72\u5982\u4f55\u9078\u64c7\u6295\u5165\u7b56\u7565\u662f\u500b\u503c\u5f97 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[173],"class_list":["post-8077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-11","tag-173"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/8077","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8077"}],"version-history":[{"count":0,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/8077\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/8106"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8077"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}