{"id":840,"date":"2024-09-06T11:09:54","date_gmt":"2024-09-06T03:09:54","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=840"},"modified":"2025-07-21T09:07:44","modified_gmt":"2025-07-21T01:07:44","slug":"%e6%a9%9f%e5%99%a8%e4%ba%ba%e7%90%86%e8%b2%a1%e7%9a%84%e6%8a%95%e8%b3%87%e5%8e%9f%e5%89%87-%e8%b3%87%e7%94%a2%e9%85%8d%e7%bd%ae","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=840","title":{"rendered":"\u8cc7\u7522\u914d\u7f6e\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u4f7f\u7528\u963f\u723e\u767c\u7406\u8ca1\u6a5f\u5668\u4eba\u5354\u52a9\u8cc7\u7522\u914d\u7f6e\uff1f"},"content":{"rendered":"\n<p>\u5728\u7576\u4eca\u591a\u8b8a\u7684\u7d93\u6fdf\u74b0\u5883\u4e2d\uff0c\u300c\u8cc7\u7522\u914d\u7f6e\u300d\u4e0d\u50c5\u662f\u4e00\u9580\u85dd\u8853\uff0c\u66f4\u662f\u4e00\u7a2e\u79d1\u5b78\u3002\u900f\u904e\u7cbe\u5fc3\u8a2d\u5b9a\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u6295\u8cc7\u8005\u80fd\u5920\u5728\u9762\u5c0d\u5e02\u5834\u6ce2\u52d5\u6642\u4fdd\u6301\u7a69\u5b9a\uff0c\u4e26\u512a\u5316\u6295\u8cc7\u7d44\u5408\u4ee5\u5be6\u73fe\u9577\u671f\u7684\u8ca1\u52d9\u76ee\u6a19\u3002\u8cc7\u7522\u914d\u7f6e\u7b56\u7565\u6d89\u53ca\u5c07\u6295\u8cc7\u5206\u6563\u5230\u80a1\u7968\u3001\u50b5\u5238\u3001\u4e0d\u52d5\u7522\u6295\u8cc7\u4fe1\u8a17\uff08REITs\uff09\u548c\u73fe\u91d1\u7b49\u4e0d\u540c\u985e\u578b\u7684\u8cc7\u7522\uff0c\u4ee5\u9054\u5230\u98a8\u96aa\u5206\u6563\u548c\u56de\u5831\u6700\u5927\u5316\u7684\u96d9\u91cd\u76ee\u7684\u3002\u672c\u6587\u5c07\u6df1\u5165\u63a2\u8a0e\u8cc7\u7522\u914d\u7f6e\u7684\u91cd\u8981\u6027\u3001\u5be6\u65bd\u7b56\u7565\u4ee5\u53ca\u5982\u4f55\u6839\u64da\u500b\u4eba\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u3001\u8ca1\u52d9\u72c0\u6cc1\u548c\u6295\u8cc7\u504f\u597d\u4f86\u5ba2\u88fd\u5316\u6295\u8cc7\u7d44\u5408\u3002\u8b93\u6211\u5011\u4e00\u8d77\u4e86\u89e3\uff0c\u70ba\u4ec0\u9ebc\u8cc7\u7522\u914d\u7f6e\u662f\u5be6\u73fe\u6295\u8cc7\u6210\u529f\u7684\u95dc\u9375\u56e0\u7d20\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=\"\u5df4\u83f2\u7279\u7406\u8ca1\u95dc\u9375\uff1a\u8cc7\u7522\u914d\u7f6e\u5168\u653b\u7565\uff01\u4e0d\u770b\u76e4\u4e5f\u80fd\u64ca\u655780%\u7d93\u7406\u4eba\u7684\u6295\u8cc7\u7b56\u7565\uff01\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/gYQ-9EgL63g?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\">\u8cc7\u7522\u914d\u7f6e\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u4ec0\u9ebc\u662f\u300c \u8cc7\u7522\u914d\u7f6e \u300d\u5462\uff1f<\/p>\n\n\n\n<p>\u8cc7\u7522\u914d\u7f6e\u7684\u82f1\u6587\u662f Asset allocation\uff0c\u8cc7\u7522\u914d\u7f6e\u4e00\u7a2e\u7b56\u7565\u884c\u70ba\uff0c\u8cc7\u7522\u914d\u7f6e\u662f\u6307\u5c0d\u80a1\u7968\u3001\u50b5\u5238\u3001<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=8371\" title=\"REITs\u662f\u4ec0\u9ebc\uff1f2024\u5e74REITs\u9084\u503c\u5f97\u6295\u8cc7\u55ce\uff1f\u70ba\u4ec0\u9ebc\u8981\u5728\u8cc7\u7522\u914d\u7f6e\u4e2d\u52a0\u5165REITs ETF\uff1f\">REITs\uff08\u4e0d\u52d5\u7522\u6295\u8cc7\u4fe1\u8a17\uff09<\/a>\u3001\u73fe\u91d1\u7b49\u4e0d\u540c\u985e\u5225\u7684\u8cc7\u7522\u9032\u884c\u5283\u5206\u6295\u8cc7\uff0c\u4ee5\u9054\u5230<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=825\" title=\"\u8ca1\u52d9\u76ee\u6a19\u662f\u4ec0\u9ebc\uff1f\u76ee\u6a19\u5c0e\u5411\u6295\u8cc7\">\u8ca1\u52d9\u76ee\u6a19<\/a>\u7684\u7b56\u7565\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\/02\/image-38.png\" alt=\"\" class=\"wp-image-8991\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-38.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-38-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-38-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-38-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-38-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u6bcf\u7a2e\u8cc7\u7522\u90fd\u6709\u7368\u7279\u7684\u6b77\u53f2\u80cc\u666f\u8207\u5b9a\u4f4d\uff0c\u56e0\u6b64\u6bcf\u500b\u6bcf\u7a2e\u8cc7\u7522\u7684\u8868\u73fe\u4e5f\u5343\u5dee\u842c\u5225\u3002<\/p>\n\n\n\n<p>\u9019\u4e9b\u5dee\u7570\u901a\u5e38\u6703\u53cd\u6620\u5728\u8cc7\u7522\u7684\u5831\u916c\u8207\u98a8\u96aa\u4e0a\uff0c\u8cc7\u7522\u4e4b\u9593\u5f7c\u6b64\u4e5f\u6709\u8457\u76f8\u4e92\u7684\u5f71\u97ff\uff0c\u9019\u500b\u5f71\u97ff\u529b\u6709\u5f37\u6709\u5f31\uff0c\u4e5f\u6703\u96a8\u8457\u6642\u9593\u800c\u8b8a\u5316\u3002 <\/p>\n\n\n\n<p>\u900f\u904e\u5728\u4e0d\u540c\u8cc7\u7522\u985e\u5225\u9593\u7684\u5206\u914d\uff0c\u6295\u8cc7\u8005\u53ef\u4ee5\u964d\u4f4e\u91cd\u5927\u640d\u5931\u7684\u98a8\u96aa\uff0c\u4e26\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\u7372\u5f97\u66f4\u7a69\u5b9a\u7684\u56de\u5831\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\/02\/image-40.png\" alt=\"\" class=\"wp-image-8994\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-40.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-40-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-40-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-40-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-40-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u8cc7\u7522\u914d\u7f6e\u662f\u6295\u8cc7\u7b56\u7565\u7684\u57fa\u672c\u7d44\u6210\u90e8\u5206\uff0c\u901a\u5e38\u6839\u64da\u6295\u8cc7\u8005\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u3001\u8ca1\u52d9\u76ee\u6a19\u548c\u6295\u8cc7\u6642\u9593\u6846\u67b6\u9032\u884c\u5ba2\u88fd\u5316\u3002<\/p>\n\n\n\n<p><\/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\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background has-medium-font-size has-custom-font-size 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>\u7acb\u523b\u9818\u53d6\u514d\u8cbb\u500b\u4eba\u5316\u8cc7\u7522\u914d\u7f6e\u5831\u544a<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u8cc7\u7522\u914d\u7f6e\u7684\u7b56\u7565<\/h2>\n\n\n\n<p>\u76ee\u524d\u5e02\u5834\u4e0a\u4e3b\u6d41\u7684\u8cc7\u7522\u914d\u7f6e\u7b56\u7565\uff0c\u53ef\u4ee5\u5206\u6210 3 \u5927\u985e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e3b\u52d5\u9078\u80a1\uff1a\u4e3b\u52d5\u9078\u80a1\u8207\u64c7\u6642\uff0c\u671f\u671b\u80fd\u6230\u52dd\u5e02\u5834\uff0c\u7372\u5f97\u6bd4\u5e02\u5834\u66f4\u9ad8\u7684\u5831\u916c\u3002<\/li>\n\n\n\n<li>\u88ab\u52d5\u6295\u8cc7\uff1a\u63a1\u7528\u7d14\u88ab\u52d5\u578b\u7684\u7b56\u7565\u8ffd\u8e64\u6574\u7406\u5e02\u5834\u5927\u76e4\uff0c\u7372\u53d6\u548c\u5e02\u5834\u76f8\u540c\u7684\u5831\u916c\uff0c\u5e02\u5834\u4ee3\u8868\u6027\u516c\u53f8\u70ba\u3002<\/li>\n\n\n\n<li>\u56e0\u5b50\u6295\u8cc7\uff1a\u76f8\u4fe1\u4e26\u4f9d\u8cf4\u5e02\u5834\u6548\u7387\uff0c\u900f\u904e\u7cfb\u7d71\u6027\u91cf\u5316\u7684\u65b9\u5f0f\u947d\u7814\u9a45\u52d5\u5831\u916c\u7684\u56e0\u5b50\uff0c\u7372\u5f97\u5e02\u5834\u5831\u916c\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u9019 3 \u7a2e\u5404\u6709\u64c1\u8b77\u8005\uff0c\u4ee5\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u70ba\u4f8b\uff0c<a title=\"\u963f\u723e\u767c\u6838\u5fc3\u6295\u8cc7\u7d44\u5408\u5efa\u69cb\u7b56\u7565-Alpha Core Portfolio Strategy\" href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1662\">\u963f\u723e\u767c\u6838\u5fc3\u6295\u8cc7\u7d44\u5408\u5efa\u69cb\u7b56\u7565<\/a>\u63a1\u7528\u7684\u662f\u88ab\u52d5\u5f0f\u7684\u6295\u8cc7\u7b56\u7565\uff0c\u8ffd\u6c42\u8cbc\u8fd1\u5e02\u5834\u7684\u5831\u916c\uff0c\u800c\u6211\u5011\u572820 \u7a2e\u5404\u6709\u64c1\u8b77\u8005\uff0c\u4ee5\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u70ba\u4f8b\uff0c\u963f\u723e\u767c\u6838\u5fc3\u6295\u8cc7\u7d44\u5408\u5efa\u69cb\u7b56\u7565\u63a1\u7528\u7684\u662f\u88ab\u52d5\u5f0f\u7684\u6295\u8cc7\u7b56\u7565\uff0c\u8ffd\u6c42\u8cbc\u8fd1\u5e02\u5834\u7684\u5831\u916c\uff0c\u800c\u6211\u5011\u57282025\u5e74\u4e5f\u8207\u56e0\u5b50\u6295\u8cc7\u5148\u9a45\u5fb7\u660e\u4fe1<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=8369\" data-type=\"post\" data-id=\"8369\">Dimensional Fund Advisors\uff08DFA\uff09\u63a8\u51fa<\/a>\u56e0\u5b50\u6295\u8cc7\u7684\u8cc7\u7522\u914d\u7f6e\u63d0\u4f9b\u6295\u8cc7\u4eba\u591a\u5143\u5316\u7684\u9078\u64c7\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\/02\/image-41.png\" alt=\"\" class=\"wp-image-9001\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-41.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-41-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-41-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-41-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-41-1536x864.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\">\u70ba\u4ec0\u9ebc\u5f37\u8abf\u8cc7\u7522\u914d\u7f6e\uff1f<\/h2>\n\n\n\n<p>\u56e0\u70ba\u8cc7\u7522\u914d\u7f6e\u5c07\u6703\u5f71\u97ff\u60a8\u8d85\u904e 90% \u7684\u9577\u671f\u5831\u916c\u3002<\/p>\n\n\n\n<p>\u8a31\u591a\u6295\u8cc7\u4eba\u7d93\u5e38\u8a8d\u70ba\uff0c\u8981\u638c\u63e1\u6295\u8cc7\u7684\u6bcf\u9805\u8b8a\u6578\uff0c\u50cf\u662f\u7d93\u6fdf\u6578\u64da\u7684\u8b8a\u52d5\u3001\u516c\u53f8\u7684\u6d88\u606f\u3001\u57fa\u672c\u9762\u5206\u6790\u3001\u6280\u8853\u9762\u5206\u6790\u7b49\uff0c\u624d\u80fd\u7372\u5f97\u597d\u7684\u6295\u8cc7\u6210\u679c\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u6839\u64da 1991 \u5e74\u767c\u8868\u65bc\u300a\u91d1\u878d\u5206\u6790\u5e2b\u96dc\u8a8c\u300b\uff08The Financial Analysts Journal\uff09\u7684\u4e00\u7bc7\u7814\u7a76\u6307\u51fa\uff0c\u5f71\u97ff\u6295\u8cc7\u7d44\u5408\u9577\u671f\u5831\u916c\u7387\u7684\u95dc\u9375\u56e0\u7d20\u662f\u300c \u8cc7\u7522\u914d\u7f6e \u300d\uff0c\u5176\u5360\u6bd4\u8d85\u904e 90%\uff0c\u53cd\u800c\u8b93\u6295\u8cc7\u4eba\u82b1\u8cbb\u6700\u591a\u5fc3\u601d\u7684\u4e8b\u60c5\uff0c\u50cf\u662f\u81f4\u529b\u65bc\u9078\u64c7\u6a19\u7684\u3001\u638c\u63e1\u8cb7\u8ce3\u6642\u6a5f\u7b49\u56e0\u7d20\uff0c\u4e26\u975e\u5f71\u97ff\u6295\u8cc7\u7d44\u5408\u5831\u916c\u7387\u7684\u91cd\u8981\u56e0\u7d20\u3002<\/p>\n\n\n\n<p>\u7531\u6b64\u53ef\u77e5\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u505a\u597d\u300c \u8cc7\u7522\u914d\u7f6e \u300d\u624d\u662f\u5f71\u97ff\u6295\u8cc7\u6210\u679c\u7684\u95dc\u9375\uff0c\u800c\u975e\u5c07\u5fc3\u529b\u653e\u5728\u500b\u80a1\u6311\u9078\u3001\u5224\u65b7\u5e02\u5834\u8d70\u52e2\u7b49\uff0c\u5c0d\u6295\u8cc7\u5831\u916c\u8ca2\u737b\u4e0d\u5927\u7684\u4e8b\u60c5\u4e0a\u3002<\/strong><\/p>\n<\/blockquote>\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\/02\/image-42.png\" alt=\"\" class=\"wp-image-9009\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-42.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-42-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-42-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-42-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-42-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u9019\u6a23\u7684\u7814\u7a76\u7d50\u679c\u4e5f\u610f\u5473\u8457\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u4e4b\u6240\u4ee5\u9032\u884c\u300c&nbsp;\u8cc7\u7522\u914d\u7f6e&nbsp;\u300d\u3001\u5206\u6563\u6295\u8cc7\u662f\u6295\u8cc7\u6210\u529f\u7684\u91cd\u8981\u539f\u5247\uff0c\u662f\u56e0\u70ba\u6c92\u6709\u4eba\u53ef\u4ee5\u6e96\u78ba\u9810\u6e2c\u91d1\u878d\u5e02\u5834\u672a\u4f86\u7684\u60c5\u6cc1\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>\u5982\u679c\u6211\u5011\u53ef\u4ee5\u5f88\u80af\u5b9a\u6bcf\u5e74\u54ea\u500b\u8cc7\u7522\u6703\u6709\u6700\u597d\u7684\u8868\u73fe\uff0c\u90a3\u9ebc\u6211\u5011\u5c31\u53ef\u4ee5\u5c07 100% \u7684\u8cc7\u91d1\u90fd\u6295\u8cc7\u5728\u9019\u500b\u8cc7\u7522\u4e0a\uff0c\u81ea\u7136\u6c92\u6709\u7406\u7531\u4e00\u5b9a\u8981\u5206\u6563\u6295\u8cc7\u3002<\/p>\n\n\n\n<p>\u4f46\u5f88\u53ef\u60dc\u7684\u662f\uff0c\u5be6\u969b\u4e0a\u6c92\u6709\u4eba\u53ef\u4ee5\u6301\u7e8c\u77e5\u9053\u6bcf\u5e74\u54ea\u500b\u8cc7\u7522\u6703\u8868\u73fe\u6700\u597d\uff0c\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc\u6211\u5011\u8981\u5206\u6563\u6295\u8cc7\u2014\u2014\u70ba\u7121\u6cd5\u6e96\u78ba\u9810\u6e2c\u91d1\u878d\u5e02\u5834\u63d0\u4f9b\u4e00\u500b\u4fdd\u8b77\uff1a\u5c07\u6295\u8cc7\u7d44\u5408\u5206\u6563\u5230\u4e0d\u540c\u8cc7\u7522\uff0c\u6709\u52a9\u65bc\u964d\u4f4e\u6574\u9ad4\u98a8\u96aa\uff0c\u70ba\u6295\u8cc7\u7d44\u5408\u63d0\u4f9b\u4e00\u5b9a\u7a0b\u5ea6\u7684\u4fdd\u8b77\u3002<\/p>\n\n\n\n<p>\u300c\u964d\u4f4e\u6574\u9ad4\u98a8\u96aa\u300d\u5c31\u662f\u300c \u8cc7\u7522\u914d\u7f6e \u300d\u6700\u5927\u7684\u529f\u80fd\uff0c\u5f88\u591a\u6295\u8cc7\u4eba\u5728\u8cc7\u7522\u4e0a\u6f32\u6642\uff0c\u5f88\u5bb9\u6613\u8aa4\u4ee5\u70ba\u81ea\u5df1\u53ef\u4ee5\u627f\u64d4\u9ad8\u98a8\u96aa\uff0c\u56e0\u6b64\u6703\u5c07\u8cc7\u91d1\u96c6\u4e2d\u6295\u8cc7\u5728\u9ad8\u98a8\u96aa\u3001\u9ad8\u5831\u916c\u7684\u8cc7\u7522\u4e0a\uff0c\u4f46\u662f\u5728\u8cc7\u7522\u4e0b\u8dcc\u6642\uff0c\u624d\u767c\u73fe\u81ea\u5df1\u627f\u64d4\u7684\u98a8\u96aa\u8d85\u904e\u81ea\u5df1\u7684\u9810\u671f\uff0c\u9762\u81e8\u5de8\u5927\u6295\u8cc7\u640d\u5931\u6642\uff0c\u4fbf\u885d\u52d5\u7684\u8ce3\u51fa\u8cc7\u7522\uff0c\u5982\u6b64\u4e00\u4f86\uff0c\u4e0d\u50c5\u8b93\u8cc7\u7522\u5927\u5e45\u7e2e\u6c34\uff0c\u4e5f\u932f\u5931\u5f8c\u7e8c\u4e0a\u6f32\u7684\u7372\u5229\uff0c\u4e5f\u5c31\u96e3\u4ee5\u505a\u5230\u9577\u671f\u6295\u8cc7\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\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background has-medium-font-size has-custom-font-size 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)\"><strong>\u99ac\u4e0a\u9032\u884c\u8cc7\u7522\u914d\u7f6e<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u8cc7\u7522\u914d\u7f6e\u80fd\u9054\u5230\u4ec0\u9ebc\u6548\u679c\uff1f<\/h2>\n\n\n\n<p>\u7531\u65bc\u4e0d\u540c\u7684\u8cc7\u7522\uff0c\u5728\u4e0d\u540c\u7684\u91d1\u878d\u5e02\u5834\u8207\u7d93\u6fdf\u60c5\u6cc1\u4e0b\uff0c\u5176\u6240\u80fd\u7372\u5f97\u7684\u9810\u671f\u5831\u916c\u8207\u6f5b\u5728\u98a8\u96aa\u6709\u6240\u4e0d\u540c\uff0c\u60f3\u8981\u505a\u5230\u5728\u76f8\u540c\u98a8\u96aa\u4e4b\u4e0b\u5831\u916c\u7387\u6700\u9ad8\uff0c\u6700\u7c21\u55ae\u7684\u65b9\u6cd5\u5c31\u662f\u9032\u884c\u300c <a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=840\" title=\"\u8cc7\u7522\u914d\u7f6e\u662f\u4ec0\u9ebc\uff1f\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u5982\u4f55\u5354\u52a9\u60a8\u8cc7\u7522\u914d\u7f6e\uff1f\">\u8cc7\u7522\u914d\u7f6e<\/a> \u300d\uff0c\u5c07\u8cc7\u91d1\u5206\u6563\u6295\u8cc7\u5230\u4e0d\u540c\u8cc7\u7522\u4e0a\u3002<\/p>\n\n\n\n<p>\u5982\u4e0b\u5716\uff0c\u9ad8\u6536\u76ca\u50b5\u8cc7\u7522\u81ea 1995 \u5e74\u4ee5\u4f86\uff0c\u5e74\u5e73\u5747\u5831\u916c\u7387\u70ba 7.1%\u3001\u5e74\u5e73\u5747\u6a19\u6e96\u5dee\uff08\u98a8\u96aa\uff09\u70ba 7.1%\uff0c\u6b64\u70ba\u55ae\u4e00\u8cc7\u7522\u7684\u8868\u73fe\uff0c\u4f46\u5982\u679c\u52a0\u5165\u5176\u4ed6\u8cc7\u7522\uff0c\u7d44\u6210\u4e00\u500b\u6295\u8cc7\u7d44\u5408\uff0c\u5728\u76f8\u540c 7.1% \u7684\u98a8\u96aa\u4e4b\u4e0b\uff0c\u5e74\u5e73\u5747\u5831\u916c\u7387\u6700\u9ad8\u53ef\u9054 8.7%\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u6295\u8cc7\u7d44\u5408\u4e2d\u5305\u542b\u4e0d\u540c\u8cc7\u7522\uff0c\u96a8\u8457\u6642\u9593\u7684\u7d93\u904e\uff0c\u6709\u4e9b\u8cc7\u7522\u6703\u4e0a\u6f32\u3001\u6709\u4e9b\u6703\u4e0b\u8dcc\uff0c\u4e0d\u540c\u8cc7\u7522\u9593\u6703\u6709\u4e0d\u540c\u7684\u76f8\u95dc\u6027\uff0c\u300c \u8cc7\u7522\u914d\u7f6e \u300d\u5373\u662f\u5229\u7528\u9019\u6a23\u7684\u7279\u6027\uff0c\u627e\u51fa<strong>\u6548\u7387\u524d\u7de3&nbsp;( Efficient Frontier )&nbsp;<\/strong>\uff0c\u9054\u5230\u300c\u76f8\u540c\u98a8\u96aa\u4e0b\u5831\u916c\u6700\u9ad8\u3001\u6216\u76f8\u540c\u5831\u916c\u4e0b\u98a8\u96aa\u6700\u4f4e\u7684\u6548\u679c\u300d\uff0c\u56e0\u6b64\u9078\u64c7\u76f8\u95dc\u6027\u5f88\u4f4e\u7684\u4e0d\u540c\u8cc7\u7522\u4f86\u505a\u300c \u8cc7\u7522\u914d\u7f6e \u300d\u6548\u679c\u6703\u66f4\u597d\u3002<\/p>\n\n\n\n<p><strong>\u8afe\u8c9d\u723e\u734e\u7d93\u6fdf\u5b78\u734e\u5f97\u4e3b\u54c8\u5229\u2027\u99ac\u53ef\u7dad\u8332\uff08Harry Markowitz\uff09\u5c07\u9019\u7a2e\u4e0d\u9700\u589e\u52a0\u98a8\u96aa\uff0c\u53ea\u9700\u5206\u6563\u6295\u8cc7\uff0c\u5c31\u53ef\u63d0\u9ad8\u5831\u916c\u7684\u6295\u8cc7\u65b9\u6cd5\uff0c\u55bb\u70ba\u300c\u73fe\u5be6\u7d93\u6fdf\u4e16\u754c\u88e1\uff0c\u552f\u4e00\u7684\u514d\u8cbb\u5348\u9910\u3002\u300d<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"996\" height=\"602\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/51-3.png\" alt=\"\" class=\"wp-image-847\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/51-3.png 996w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/51-3-300x181.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/51-3-768x464.png 768w\" sizes=\"auto, (max-width: 996px) 100vw, 996px\" \/><figcaption class=\"wp-element-caption\"><strong>\u5716\u4e8c\u3001\u6548\u7387\u524d\u7de3\u4e0a\u7684\u6bcf\u500b\u9ede\u7686\u70ba\u6700\u6709\u6548\u7684\u6295\u8cc7\u7d44\u5408<\/strong><br>\u8cc7\u6599\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\uff0c\u8cc7\u6599\u671f\u9593\u70ba 1995 \u5e74 1 \u6708~ 2018 \u5e74 1 \u6708<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u8cc7\u7522\u914d\u7f6e\u80fd\u6709\u66f4\u9ad8\u7684\u9000\u4f11\u63d0\u9818\u7387<\/h3>\n\n\n\n<p>\u6839\u64da\u7814\u7a76<sup>1<\/sup>\uff0c\u80a1\u7968\u4f54\u6bd4\u572820%\u81f350%\u4e4b\u9593\u8d77\u59cb\u5b89\u5168<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4801\" title=\"6 \u7a2e\u9000\u4f11\u91d1\u63d0\u9818\u7b56\u7565\u5b8c\u6574\u4ecb\u7d39\">\u63d0\u9818\u7387<\/a>\u6700\u9ad8\uff0c100%\u80a1\u7968\u6295\u8cc7\u7d44\u5408\u5728\u67d0\u4e9b\u6b77\u53f2\u6642\u671f\u5167\u66fe\u6709\u66f4\u9ad8\u7684\u63d0\u6b3e\u7387\uff0c\u4f46\u4e5f\u6709\u53ef\u80fd\u51fa\u73fe\u6700\u4f4e\u7684\u63d0\u6b3e\u7387\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u8cc7\u7522\u914d\u7f6e\u5e38\u898b\u554f\u984c<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c\u3001\u53ea\u8cb7\u53f0\u80a1 ETF \u5c31\u5b8c\u6210\u8cc7\u7522\u914d\u7f6e\u55ce\uff1f<\/h3>\n\n\n\n<p>\u662f\u5b8c\u6210\u8cc7\u7522\u914d\u7f6e\uff0c\u4f46\u8cc7\u7522\u914d\u7f6e\u53ef\u4ee5\u505a\u5f97\u66f4\u597d\u3002<\/p>\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\udcca\u6295\u8cc7\u4f60\u4f86\u8b1bEP.25\u3011\u53f0\u80a1\u9084\u80fd\u8cb7\u55ce\uff1f\u8981\u6ce8\u610f\u9019\u4ef6\u4e8b\uff01\uff5c\u6a5f\u5668\u4eba\u7406\u8ca1\u516b\u5927\u7955\u8a238-1\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/vfkRbSaWoHw?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<h3 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c\u3001\u53ea\u8cb7\u6a19\u666e 500 \u6216\u662f\u7f8e\u80a1\uff0c\u5c31\u5b8c\u6210\u8cc7\u7522\u914d\u7f6e\u55ce\uff1f<\/h3>\n\n\n\n<p>\u5728 Vanguard 2021 \u5e74\u767c\u8868\u7684\u7814\u7a76\u300a Global equity investing\uff1aThe benefits of diversification and sizing your allocation \u300b\u4e2d\uff0c\u5168\u7403\u591a\u5143\u5316\u7684\u512a\u52e2\u53ef\u4ee5\u900f\u904e\u6bd4\u8f03\u5168\u7403\u6307\u6578\u8207\u55ae\u4e00\u570b\u5bb6\u6307\u6578\u7684\u6ce2\u52d5\u6027\u4f86\u8b49\u660e\u3002<\/p>\n\n\n\n<p>\u4e0b\u5716\u5c55\u793a\u4e86\u591a\u5143\u5316\u7684\u597d\u8655\uff1a\u96d6\u7136\u7f8e\u570b\u7684\u6ce2\u52d5\u6027\u5728\u6240\u6709\u6bd4\u8f03\u7684\u570b\u5bb6\u4e2d\u6700\u4f4e\uff0c\u4f46\u4ecd\u7565\u9ad8\u65bc\u5168\u7403\u5e02\u5834\u6307\u6578\uff0c\u5176\u4ed6\u570b\u5bb6\u7684\u6ce2\u52d5\u6027\u751a\u81f3\u6bd4\u5168\u7403\u5e02\u5834\u6307\u6578\u9ad8\u51fa 15% \u81f3 100%\uff0c\u6240\u4ee5\u8aaa\u53ea\u8cb7\u55ae\u4e00\u570b\u5bb6\u7684\u662f\u5b8c\u6210\u8cc7\u7522\u914d\u7f6e\uff0c\u4f46\u8cc7\u7522\u914d\u7f6e\u53ef\u4ee5\u505a\u5f97\u66f4\u597d\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\/02\/image-37.png\" alt=\"\" class=\"wp-image-8941\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-37.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-37-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-37-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-37-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/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<h3 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c\u3001\u70ba\u4ec0\u4e0d\u80fd\u5168\u8cb7\u80a1\u7968\uff1f\u9700\u8981\u8cc7\u7522\u914d\u7f6e\uff1f<\/h3>\n\n\n\n<p>\u80a1\u5e02\u5831\u916c\u4e0d\u6703\u4e00\u76f4\u90a3\u9ebc\u597d\uff0c\u8209\u4f8b\u4f86\u8aaa\uff0c\u5f9e 1994 \u5e74\u81f3 2024 \u5e74\u9593\uff0c\u5168\u7403\u80a1\u5e02\u5831\u916c\u6709 7.56%\uff0c\u4f46\u4e0d\u52d5\u7522REIT\u7684\u5831\u916c\u66f4\u9ad8\u5230 8.38%\u3002\uff08\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=8371\" target=\"_blank\" rel=\"noopener\" title=\"\">REITs\u662f\u4ec0\u9ebc\uff1f\u70ba\u4ec0\u9ebc\u8981\u5728\u8cc7\u7522\u914d\u7f6e\u4e2d\u52a0\u5165REITs ETF\uff1f<\/a>\uff09<\/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\/02\/image-35.png\" alt=\"\" class=\"wp-image-8665\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-35.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-35-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-35-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-35-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-35-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u65e5\u672c\u5728 1990-2020 \u901930\u5e74\u9593\uff0c\u7d2f\u7a4d\u5831\u916c\u662f &#8211; 19.61%\uff0c\u63db\u7b97\u5e74\u5316\u5831\u916c &#8211; 0.72%\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u5728 2001 \u5e74 &#8211; 2011 \u5e7410\u5e74\u9593\uff0c\u7d2f\u7a4d\u5831\u916c\u662f 15.07%\uff0c\u63db\u7b97\u5e74\u5316\u5831\u916c 1.41%\u3002<\/p>\n\n\n\n<p>\u53ea\u55ae\u55ae\u6295\u8cc7\u55ae\u4e00\u570b\u5bb6\uff0c\u5982\u679c\u904b\u6c23\u4e0d\u597d\uff0c\u53ef\u80fd\u6703\u9762\u81e8\u9577\u671f\u6295\u8cc7\u537b\u6c92\u6709\u8cfa\u9322\u7684\u72c0\u6cc1\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c\u3001\u5c0f\u8cc7\u65cf\u4e0d\u9700\u8981\u8cc7\u7522\u914d\u7f6e\uff1f\u5c0f\u8cc7\u65cf\u600e\u9ebc\u505a\u8cc7\u7522\u914d\u7f6e\uff1f<\/h3>\n\n\n\n<p>\u6211\u53ea\u662f\u4e00\u500b\u5c0f\u5c0f\u7684\u6295\u8cc7\u4eba\uff0c\u8cc7\u91d1\u4e5f\u4e0d\u50cf\u6cd5\u4eba\u6a5f\u69cb\u90a3\u9ebc\u591a\uff0c\u8a72\u600e\u9ebc\u505a\u8cc7\u7522\u914d\u7f6e\u5462\uff1f<\/p>\n\n\n\n<p>\u9996\u5148\u8cc7\u7522\u914d\u7f6e\u82073\u6a23\u95dc\u9375\u6709\u95dc\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u6bcf\u500b\u4eba\u7684\u98a8\u96aa\u627f\u53d7\u5ea6<\/li>\n\n\n\n<li>\u6bcf\u500b\u4eba\u7684\u5e74\u7d00\u3001\u8ca1\u52d9\u72c0\u6cc1<\/li>\n\n\n\n<li>\u6295\u8cc7\u504f\u597d<\/li>\n<\/ol>\n\n\n\n<p>\u8209\u4f8b\u4f86\u8aaa\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e74\u7d00\u8d8a\u5927\uff0c\u8d8a\u6c92\u6709\u5931\u6557\u7684\u672c\u9322\uff0c\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u4f4e\u3002<\/li>\n\n\n\n<li>\u8ca1\u52d9\u72c0\u6cc1\u8d8a\u5dee\uff0c\u4f8b\u5982\u73fe\u91d1\u6d41\u4e0d\u5920\u3001\u5b58\u6b3e\u4e0d\u8db3\u7b49\uff0c\u90fd\u6703\u5c0e\u81f4\u96e3\u4ee5\u627f\u64d4\u8667\u640d\uff0c\u98a8\u96aa\u627f\u53d7\u5ea6\u81ea\u7136\u6703\u4e0b\u964d\u3002<\/li>\n\n\n\n<li>\u6295\u8cc7\u504f\u597d\u5247\u662f\u4e3b\u89c0\u56e0\u7d20\uff0c\u6839\u64da\u6bcf\u500b\u4eba\u7684\u5fc3\u7406\u72c0\u6cc1\u6703\u6709\u6240\u4e0d\u540c\uff0c\u8d8a\u53ad\u60e1\u640d\u5931\u7684\u4eba\u98a8\u96aa\u627f\u53d7\u5ea6\u8d8a\u4f4e\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u90a3\u5c0f\u8cc7\u65cf\u7684\u98a8\u96aa\u627f\u53d7\u5ea6\u5927\u6982\u843d\u5728\u54ea\u908a\u5462\uff1f<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u5c0f\u8cc7\u65cf\u5e74\u8f15 \ud83d\udc49 \u98a8\u96aa\u627f\u53d7\u5ea6\u9ad8<\/li>\n\n\n\n<li>\u5c0f\u8cc7\u65cf\u666e\u904d\u5b58\u6b3e\u8f03\u5c11 \ud83d\udc49 \u98a8\u96aa\u627f\u53d7\u5ea6\u4f4e<\/li>\n\n\n\n<li>\u6295\u8cc7\u504f\u597d \ud83d\udc49 \u56e0\u4eba\u800c\u7570<\/li>\n<\/ol>\n\n\n\n<p>\u53ef\u4ee5\u770b\u51fa\u5c0f\u8cc7\u65cf\u7684\u98a8\u96aa\u627f\u53d7\u5ea6\u5927\u6982\u4ecb\u65bc\u4e2d\u9593\uff0c\u800c\u5982\u679c\u6211\u5011\u4eca\u5929\u505a\u7684\u662f\u9577\u671f\u6295\u8cc7\u7684\u8a71\uff0c<strong>\u7531\u65bc\u6642\u9593\u9577\uff0c\u53ef\u4ee5\u5c07\u80a1\u7968\u6bd4\u4f8b\u63d0\u9ad8\u4e00\u4e9b\uff0c\u589e\u52a0\u8907\u5229\u6548\u679c<\/strong>\uff0c\u96a8\u8457\u5e74\u7d00\u7684\u589e\u9577\u518d\u6162\u6162\u5c07\u50b5\u5238\u6bd4\u4f8b\u8abf\u9ad8\uff0c\u5efa\u8b70\u53ef\u4ee5\u5148\u4ee5\u80a1\u50b5\u6bd4\u4f8b 70\/30 \u7684\u6295\u8cc7\u7d44\u5408\u505a\u70ba\u57fa\u6e96\u53bb\u8abf\u6574\uff0c\u60a8\u4e5f\u53ef\u4ee5\u900f\u904e\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u6295\u8cc7\u8a66\u7b97\u514d\u8cbb\u8a55\u4f30\u81ea\u5df1\u7684\u8cc7\u7522\u914d\u7f6e\u3002<\/p>\n\n\n\n<p class=\"has-text-align-center\">\u52a0\u5165\u963f\u723e\u767c\u5b98\u65b9 Line\uff0c\u9818\u53d6\u5c0f\u8cc7\u65cf\u6700\u9069\u5408\u7684\u8cc7\u7522\u914d\u7f6e\u5efa\u8b70\uff01<\/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\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background has-medium-font-size has-custom-font-size 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>\u6211\u8981\u9818\u53d6\u5c0f\u8cc7\u65cf\u8cc7\u7522\u914d\u7f6e\u7b56\u7565\u5efa\u8b70\uff01<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c\u3001\u4ec0\u9ebc\u6642\u5019\u9700\u8981\u50b5\u5238\u7684\u8cc7\u7522\u914d\u7f6e\uff1f\u80a1\u50b5\u96d9\u6bba\uff0c\u70ba\u4ec0\u9ebc\u8981\u505a\u80a1\u50b5\u8cc7\u7522\u914d\u7f6e\uff1f<\/h3>\n\n\n\n<p>\u81ea 2022 \u5e74\u521d\u81f3 5 \u6708\u4e2d\u65ec\uff0c\u6295\u8cc7\u5e02\u5834\u7d93\u6b77\u5287\u70c8\u6ce2\u52d5\uff0c\u80a1\u5e02\u3001\u50b5\u5e02\u3001\u532f\u5e02\u5747\u5927\u5e45\u4e0b\u8dcc\uff0c\u9019\u6ce2\u8dcc\u52e2\u4f7f\u5f97\u8a31\u591a\u6295\u8cc7\u8005\u8cea\u7591\u80a1\u50b5\u914d\u7f6e\u7684\u91cd\u8981\u6027\u548c\u50b5\u5238\u5728\u6295\u8cc7\u7d44\u5408\u4e2d\u7684\u89d2\u8272\u3002<\/p>\n\n\n\n<p>\u67093\u9ede\u539f\u56e0\u8aaa\u660e\u80a1\u50b5\u8cc7\u7522\u914d\u7f6e\u4ecd\u7136\u9069\u7528\u7684\u91cd\u8981\u6027\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u76f8\u95dc\u6027\u504f\u4f4e\u964d\u4f4e\u5831\u916c\u7684\u4e8b\u5be6\u4e0d\u6703\u8b8a<\/strong>\uff1a\u5118\u7ba1 2022 \u5e74\u4ee5\u4f86\u50b5\u5e02\u8207\u80a1\u5e02\u9f4a\u8dcc\uff0c\u4f46\u662f\u62c9\u9577\u6642\u9593\u4f86\u770b\uff0c\u80a1\u50b5\u7684\u76f8\u95dc\u6027\u4f9d\u7136\u504f\u4f4e\uff0c\u800c\u4e14\u50b5\u5238\u6bd4\u8d77\u4f86\u6ce2\u52d5\u5c0f\u3001\u98a8\u96aa\u8abf\u6574\u5f8c\u5831\u916c\u8f03\u9ad8\u7684\u4e8b\u5be6\u4e5f\u4e0d\u6703\u6539\u8b8a\u3002<\/li>\n\n\n\n<li><strong>\u9664\u4e86\u4f4e\u76f8\u95dc\u6027\uff0c\u50b5\u5238\u80fd\u5206\u6563\u80a1\u7968\u8cc7\u7522\u7684\u98a8\u96aa<\/strong>\uff1a\u4ee5\u6295\u8cc7\u7d44\u5408\u7684\u89d2\u5ea6\u4f86\u770b\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=840\">\u8cc7\u7522\u914d\u7f6e<\/a>\u4e0d\u53ea\u8981\u8457\u91cd\u5728\u4f4e\u76f8\u95dc\u6027\uff0c\u914d\u7f6e\u5728\u6ce2\u52d5\u5ea6\u8f03\u4f4e\u7684\u50b5\u5238\u8cc7\u7522\u672c\u8eab\u5c31\u6703\u5e36\u4f86\u5206\u6563\u98a8\u96aa\u7684\u597d\u8655\uff0c\u56e0\u6b64\u50b5\u5238\u5c0d\u65bc\u964d\u4f4e\u6295\u7d44\u98a8\u96aa\u4f9d\u7136\u6709\u5f88\u5927\u7684\u4f5c\u7528\u3002<\/li>\n\n\n\n<li><strong>\u50b5\u5238\u6709\u591a\u7a2e\u985e\u5225\uff0c\u6709\u4e0d\u540c\u7684\u4fdd\u8b77\u6548\u679c<\/strong>\uff1a\u50b5\u5238\u6709\u5f88\u591a\u7a2e\u4e0d\u540c\u5929\u671f\u548c\u985e\u578b\uff0c\u77ed\u5929\u671f\u7684\u653f\u5e9c\u50b5\u7684\u6ce2\u52d5\u66f4\u5c0f\uff0c\u66f4\u80fd\u5920\u767c\u63ee\u61c9\u6709\u7684\u4fdd\u8b77\u4f5c\u7528\uff1b\u800c\u6297\u901a\u81a8\u50b5\u5238\u4e5f\u53ef\u4ee5\u5728\u5982\u4eca\u7684\u9ad8\u901a\u81a8\u4e2d\u8d77\u5230\u4fdd\u8b77\u6295\u8cc7\u7684\u4f5c\u7528\u3002<\/li>\n<\/ol>\n\n\n\n<p>\uff08\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4754\" title=\"\u70ba\u4ec0\u9ebc\u8981\u505a\u80a1\u50b5\u8cc7\u7522\u914d\u7f6e\uff1f10\u5f35\u5716\u8b93\u4f60\u4e86\u89e3\u6295\u8cc7\u7d44\u5408\u4e2d\u50b5\u5238\u7684\u91cd\u8981\u6027\">\u70ba\u4ec0\u9ebc\u8981\u505a\u80a1\u50b5\u8cc7\u7522\u914d\u7f6e\uff1f10\u5f35\u5716\u8b93\u4f60\u4e86\u89e3\u6295\u8cc7\u7d44\u5408\u4e2d\u50b5\u5238\u7684\u91cd\u8981\u6027<\/a>\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u6c7a\u5b9a\u8cc7\u7522\u914d\u7f6e\u6bd4\u4f8b \uff0c\u627e\u5230\u6700\u4f73\u6295\u8cc7\u7d44\u5408\uff1f<\/h2>\n\n\n\n<p>\u5982\u540c\u4e0a\u8ff0\uff0c\u65e2\u7136\u6548\u7387\u524d\u7de3\u4e0a\u7684\u6bcf\u500b\u9ede\u90fd\u662f\u6700\u6709\u6548\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u54ea\u500b\u624d\u662f\u6700\u4f73\u6295\u8cc7\u7d44\u5408\uff1f<\/p>\n\n\n\n<p>\u7b54\u6848\u662f\u56e0\u4eba\u800c\u7570\uff0c\u89c0\u5bdf\u6548\u7387\u524d\u7de3\u66f2\u7dda\u5c31\u53ef\u767c\u73fe\uff0c\u9ad8\u98a8\u96aa\u4f34\u96a8\u9ad8\u5831\u916c\u3001\u4f4e\u98a8\u96aa\u4f34\u96a8\u4f4e\u5831\u916c\uff0c\u4e0d\u5b58\u5728\u5c0d\u6240\u6709\u4eba\u90fd\u6700\u597d\u7684\u4e00\u500b\u6295\u8cc7\u7d44\u5408\uff0c\u9069\u5408\u4f60\u6295\u8cc7\u8a08\u756b\u3001\u98a8\u96aa\u5c6c\u6027\u7684\u5c31\u662f\u6700\u4f73\u6295\u8cc7\u7d44\u5408\u3002<\/p>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff8d3d\" class=\"has-inline-color\">\u300c \u8cc7\u7522\u914d\u7f6e 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https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/51-4-768x541.png 768w\" sizes=\"auto, (max-width: 1064px) 100vw, 1064px\" \/><figcaption class=\"wp-element-caption\"><strong>\u5716\u4e09\u3001\u4f9d\u64da\u98a8\u96aa\u627f\u53d7\u5ea6\u9032\u884c \u8cc7\u7522\u914d\u7f6e<\/strong><br>\u8cc7\u6599\u4f86\u6e90\uff1a\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1<\/figcaption><\/figure>\n\n\n\n<p>\u56e0\u6b64\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" target=\"_blank\" rel=\"noopener\" title=\"\u6a5f\u5668\u4eba\u7406\u8ca1\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u904b\u4f5c\uff1f\u512a\u7f3a\u9ede\u6709\u54ea\u4e9b\uff1f\u7e3e\u6548\u5982\u4f55\uff1f\u53f0\u7063\u6a5f\u5668\u4eba\u7406\u8ca1\u7279\u8272\u6bd4\u8f03\">\u6a5f\u5668\u4eba\u7406\u8ca1<\/a>\u5c31\u662f\u4ee5\u300c \u8cc7\u7522\u914d\u7f6e 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title=\"\">\u963f\u723e\u767c\u5e02\u5834\u56de\u9867\u8207\u5c55\u671b<\/a>\u300b\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\/02\/image-45.png\" alt=\"\" class=\"wp-image-9017\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-45.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-45-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-45-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-45-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-45-1536x864.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\">\u7e3d\u7d50<\/h2>\n\n\n\n<p>\u5c0d\u65bc\u8a31\u591a\u4eba\u4f86\u8aaa\uff0c\u627e\u51fa\u5c6c\u65bc\u81ea\u5df1\u7684\u8cc7\u7522\u914d\u7f6e\u662f\u4ef6\u56f0\u96e3\u7684\u4e8b\u60c5\uff0c\u9069\u5408\u5225\u4eba\u7684\u4e5f\u672a\u5fc5\u9069\u5408\u6211\u3002\u56e0\u6b64\u8a31\u591a\u4eba\u8e8a\u8e87\u4e0d\u524d\u3002<\/p>\n\n\n\n<p>\u8cc7\u7522\u914d\u7f6e\u860a\u542b\u8457\u5c0d\u65bc\u81ea\u5df1<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=825\" title=\"\u8ca1\u52d9\u76ee\u6a19\u662f\u4ec0\u9ebc\uff1f\u76ee\u6a19\u5c0e\u5411\u6295\u8cc7\">\u8ca1\u52d9\u76ee\u6a19<\/a>\u7684\u8a2d\u5b9a\uff0c\u5c0d\u81ea\u5df1\u7684\u4e86\u89e3\uff0c\u5c0d\u5404\u985e\u8cc7\u7522\u7684\u7406\u89e3\uff0c\u53ef\u8aaa\u662f\u4e00\u9580\u9ad8\u6df1\u7684\u6280\u85dd\u4e5f\u4e0d\u70ba\u904e\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u56f0\u96e3\u7684\u554f\u984c\u4e0d\u662f\u4e0d\u80fd\u89e3\u6c7a\uff0c\u800c\u662f\u8981\u7528\u7de9\u6162\u800c\u7a69\u5b9a\u7684\u65b9\u6cd5\u53bb\u89e3\u6c7a\u3002<\/p>\n<\/blockquote>\n\n\n\n<p>\u6a5f\u5668\u4eba\u7406\u8ca1\u8cc7\u7522\u914d\u7f6e\uff0c\u5c31\u662f\u7de9\u6162\u800c\u7a69\u5b9a\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<p>\u6a5f\u5668\u4eba\u7406\u8ca1\u900f\u904e\u7cfb\u7d71\u81ea\u52d5\u5316\u70ba\u4f60\u5efa\u7acb\u500b\u4eba\u5316\u300c \u8cc7\u7522\u914d\u7f6e \u300d\uff0c\u4f86\u9054\u5230\u5206\u6563\u98a8\u96aa\u7684\u6548\u679c\uff0c\u8b93\u4f60\u4ee5\u9069\u5408\u81ea\u5df1\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=8918\" title=\"\u6295\u8cc7\u7d44\u5408\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u627e\u5230\u6700\u4f73\u7684\u6295\u8cc7\u7d44\u5408\uff1f\">\u6295\u8cc7\u7d44\u5408<\/a>\u9032\u884c\u6295\u8cc7\uff0c\u514d\u65bc\u77ed\u671f\u5e02\u5834\u6ce2\u52d5\u5f71\u97ff\uff0c\u6210\u70ba\u9577\u671f\u6295\u8cc7\u8005\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u53c3\u8003\u6587\u737b<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Amy c. arnott, Christine benz, Jason kephart, &amp; Tao guo. (2024). The State of Retirement Income\uff1a2024. Morningstar.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u7576\u4eca\u591a\u8b8a\u7684\u7d93\u6fdf\u74b0\u5883\u4e2d\uff0c\u300c\u8cc7\u7522\u914d\u7f6e\u300d\u4e0d\u50c5\u662f\u4e00\u9580\u85dd\u8853\uff0c\u66f4\u662f\u4e00\u7a2e\u79d1\u5b78\u3002\u900f\u904e\u7cbe\u5fc3\u8a2d\u5b9a\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u6295\u8cc7\u8005\u80fd\u5920\u5728\u9762\u5c0d\u5e02\u5834 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":841,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[119,226,249,295,451],"class_list":["post-840","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-29","tag-119","tag-226","tag-249","tag-295","tag-451"],"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\/840","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=840"}],"version-history":[{"count":4,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/840\/revisions"}],"predecessor-version":[{"id":14486,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/840\/revisions\/14486"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/841"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=840"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=840"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}