{"id":8449,"date":"2024-02-15T15:45:42","date_gmt":"2024-02-15T07:45:42","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=8449"},"modified":"2024-02-15T15:45:42","modified_gmt":"2024-02-15T07:45:42","slug":"%e7%82%ba%e4%bb%80%e9%ba%bc%e9%98%bf%e7%88%be%e7%99%bc%e6%a9%9f%e5%99%a8%e4%ba%ba%e7%90%86%e8%b2%a1%e8%a6%81%e4%bd%bf%e7%94%a8etf%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=8449","title":{"rendered":"\u70ba\u4ec0\u9ebc\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u8981\u4f7f\u7528ETF\uff1f"},"content":{"rendered":"\n<p>AI \u6280\u8853\u98db\u901f\u767c\u5c55\uff0c\u5e02\u5834\u683c\u5c40\u6b63\u5287\u8b8a\u3002\u4e2d\u570b\u65b0\u5275 DeepSeek \u8fd1\u65e5\u5ba3\u5e03\uff0c\u900f\u904e\u4f4e\u968e\u6676\u7247\u8207\u66f4\u5c11\u6210\u672c\uff0c\u5373\u53ef\u9054\u5230 ChatGPT \u8fd1\u4f3c\u6c34\u6e96\uff0c\u9019\u985b\u8986\u4e86\u5e02\u5834\u5c0d AI \u7b97\u529b\u8207\u8cc7\u672c\u652f\u51fa\u7684\u50b3\u7d71\u8a8d\u77e5\u3002\u96a8\u8457\u6280\u8853\u9580\u6abb\u964d\u4f4e\uff0cAI \u61c9\u7528\u5c07\u66f4\u5feb\u666e\u53ca\uff0c\u5e36\u52d5\u7d42\u7aef\u8a2d\u5099\u9700\u6c42\uff0c\u4e26\u91cd\u65b0\u9ede\u71c3\u5e02\u5834\u6210\u9577\u52d5\u80fd\u3002<\/p>\n\n\n\n<p>NVIDIA \u5275\u8fa6\u4eba\u9ec3\u4ec1\u52f3\u76f4\u8a00\uff1a\u300c\u6a5f\u5668\u4eba\u6642\u4ee3\u5df2\u7d93\u5230\u4f86\uff01\u300d \u7576 AI \u6210\u70ba\u5168\u7403\u71b1\u8b70\u7126\u9ede\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u4e5f\u5c07\u4e58\u52e2\u800c\u8d77\uff0c\u958b\u5275\u65b0\u9ad8\u5cf0\u3002\u9019\u6ce2\u8b8a\u9769\u63d0\u9192\u6295\u8cc7\u4eba\uff0c\u5fc5\u9808\u8abf\u6574\u6295\u8cc7\u7b56\u7565\uff0c\u904b\u7528\u300c\u6a5f\u5668\u4eba\u7406\u8ca1\u300d\u7b49\u667a\u80fd\u5de5\u5177\uff0c\u66f4\u7cbe\u6e96\u638c\u63e1\u5e02\u5834\u8da8\u52e2\u8207\u6a5f\u6703\u3002<\/p>\n\n\n\n<p>\u5f9e2008\u5e74\u7f8e\u570b\u7b2c\u4e00\u500b\u6a5f\u5668\u4eba\u7406\u8ca1\u516c\u53f8Betterment\u63a8\u51fa\u5f8c\uff0c\u5168\u7403\u6a5f\u5668\u4eba\u7406\u8ca1\u84ec\u52c3\u767c\u5c55\uff0c\u6839\u64dastatista\u7684\u7d71\u8a08\uff0c\u57282024\u5e74\u5168\u7403\u6a5f\u5668\u4eba\u7406\u8ca1\u7ba1\u7406\u7684\u8cc7\u7522\u9054\u52301.8\u5146\u7f8e\u5143\uff0c\u9810\u8a08\u5f9e2024-2028 \u5e74\u5168\u7403\u7ba1\u7406\u7684\u8cc7\u7522\u5c07\u4ee56.68%\uff0c2028\u5e74\u5168\u7403\u7ba1\u7406\u8cc7\u7522\u5c07\u9054\u52302.3\u5146\u7f8e\u5143\uff0c\u7528\u6236\u6578\u5c07\u9054\u52303,413\u842c\u4eba\u3002<\/p>\n\n\n\n<p>ETF \u7684\u6b77\u53f2\u6bd4\u6a5f\u5668\u4eba\u7406\u8ca1\u9577\uff0c\u4f46\u4e5f\u7d93\u6b77\u4e86\u985e\u4f3c\u7684\u5feb\u901f\u6210\u9577\u3002<\/p>\n\n\n\n<p>ETF \u65bc 1990 \u5e74\u63a8\u51fa\uff0c\u8b93\u6295\u8cc7\u8005\u80fd\u5920\u8cfc\u904e\u4e00\u500b\u5de5\u5177\u5c31\u63a5\u89f8\u5404\u7a2e\u6307\u6578\u548c\u4e00\u7c43\u5b50\u8cc7\u7522\uff0c\u9019\u4e9b\u6307\u6578\u548c\u8cc7\u7522\u7d44\u5408\u6210\u55ae\u4e00\u3001\u4f4e\u6210\u672c\u3001\u901a\u5e38\u88ab\u52d5\u7ba1\u7406\u7684\u8b49\u5238\uff0c\u622a\u81f32024\u5e741\u6708\uff0c\u5168\u7403\u6295\u8cc7\u8005\u5df2\u5411 ETF \u6295\u51659.6 \u5146\u7f8e\u5143\uff0c\u5176\u4e2d 65% \u96c6\u4e2d\u5728\u5317\u7f8e\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">ETF\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p><a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\u7684\u5168\u540d\u662fExchange Traded Fund\uff0c\u6216\u7a31\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\u3001\u6307\u6578\u80a1\u7968\u578b\u57fa\u91d1\uff0c\u662f\u4e00\u7a2e\u5728\u8b49\u5238\u4ea4\u6613\u6240\u4ea4\u6613\u7684\u6295\u8cc7\u57fa\u91d1\uff0c\u4f46\u8207\u50b3\u7d71\u7684\u5171\u540c\u57fa\u91d1\u4e0d\u540c\uff0c\u56e0\u70ba\u5b83\u5011\u8ffd\u8e64\u6307\u6578\uff0c\u662f\u4e00\u7a2e\u6307\u6578\u57fa\u91d1\uff0c\u4e5f\u53ef\u4ee5\u5168\u5929\u4ea4\u6613\uff0c\u800c\u4e0d\u50c5\u50c5\u662f\u4e00\u5929\u4e00\u6b21\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u6a5f\u5668\u4eba\u7406\u8ca1\u516c\u53f8Wealthfront\u9996\u5e2d\u6295\u8cc7\u9577\u3001\u66a2\u92b7\u66f8\u300a\u6f2b\u6b65\u83ef\u723e\u8857\u300b\u7684\u4f5c\u8005\u67cf\u9813\u2027\u58a8\u57fa\u723eBurton G. Malkiel\u5728\u66f8\u4e2d\u5beb\u9053\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u6307\u6578\u57fa\u91d1\u662f\u4e00\u7a2e\u660e\u667a\u65b9\u4fbf\u7684\u6295\u8cc7\uff0c\u4e0d\u8cbb\u5439\u7070\u4e4b\u529b\uff0c\u4e26\u4ee5\u4f4e\u5ec9\u7684\u8cbb\u7528\u5c31\u80fd\u5f97\u5230\u5dff\u5834\u5831\u916c\u7387\u3002<\/p>\n<\/blockquote>\n\n\n\n<p>\uff08\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" target=\"_blank\" rel=\"noopener\" title=\"\">ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01<\/a>\uff09<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6a5f\u5668\u4eba\u7406\u8ca1\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u6a5f\u5668\u4eba\u7406\u8ca1\u662f\u7dda\u4e0a\u5316\u7684\u8ca1\u52d9\u9867\u554f\u5e73\u53f0\uff0c\u900f\u904e\u96fb\u8166\u6f14\u7b97\u6cd5\u70ba\u5ba2\u6236\u63d0\u4f9b\u81ea\u52d5\u5316\u7684\u8ca1\u52d9\u898f\u5283\uff0c\u4e26\u7ba1\u7406\u5ba2\u6236\u7684\u6295\u8cc7\u7d44\u5408\u3002\u901a\u5e38\u6a5f\u5668\u4eba\u7406\u8ca1\u6703\u4f7f\u7528\u5c08\u696d\u7684\u6578\u5b78\u6a21\u578b\u8207\u6b77\u53f2\u6578\u64da\u4f86\u5206\u6790\u5e02\u5834\u8da8\u52e2\uff0c\u4e26\u6839\u64da\u5ba2\u6236\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u548c\u6295\u8cc7\u76ee\u6a19\u63d0\u51fa\u6295\u8cc7\u5efa\u8b70\u3002<\/p>\n\n\n\n<p>\u6a5f\u5668\u4eba\u7406\u8ca1\u901a\u5e38\u63d0\u4f9b\u591a\u7a2e\u6295\u8cc7\u9078\u64c7\uff0c\u4f8b\u5982\u6307\u6578\u57fa\u91d1\u548c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\uff09\u3002<\/p>\n\n\n\n<p>\u8207\u50b3\u7d71\u7684\u4eba\u985e\u8ca1\u52d9\u9867\u554f\u4e0d\u540c\uff0c\u6a5f\u5668\u4eba\u9867\u554f\u5168\u5929\u5019\u904b\u4f5c\uff0c\u800c\u4e14\u8cbb\u7528\u901a\u5e38\u8f03\u4f4e\u3002\u9019\u4e9b\u670d\u52d9\u7684\u512a\u52e2\u80fd\u8b93\u6295\u8cc7\u8005\u514d\u65bc\u5e02\u5834\u5206\u6790\u3001\u76ef\u76e4\u7684\u529f\u592b\uff0c\u8b93\u6295\u8cc7\u8005\u5728\u7121\u6cd5\u6301\u7e8c\u6216\u4e0d\u60f3\u81ea\u5df1\u76e3\u63a7\u6295\u8cc7\u7d44\u5408\u767c\u5c55\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u5e73\u53f0\u80fd\u63d0\u4f9b\u5354\u52a9\u3002<\/p>\n\n\n\n<p>\uff08\u5ef6\u4f38\u95b1\u8b80\uff1a<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<\/a>\uff09<\/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=\"#shorts \u958b\u5de5\u80a1\u50f9\u5927\u6f32\u670931\u6a94ETF\u80a1\u50f9\u5275\u65b0\u9ad8\uff01\u70ba\u4ec0\u9ebc\u6a5f\u5668\u4eba\u7406\u8ca1\u6703\u9078\u64c7\u4f7f\u7528ETF\u4e09\u5927\u539f\u56e0\uff01\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/UOegbjmrPtg?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\">\u6a5f\u5668\u4eba\u7406\u8ca1\u4f7f\u7528ETF\u7684\u539f\u56e0<\/h2>\n\n\n\n<p>\u6a5f\u5668\u4eba\u7406\u8ca1\u4f7f\u7528<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\u7684\u539f\u56e0\u53ef\u4ee5\u6b78\u7d50\u70ba\uff1a\u5171\u540c\u57fa\u91d1\u6210\u672c\u9ad8\u3001\u8868\u73fe\u4e0d\u4f73\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\u6210\u672c\u66f4\u4f4e\uff0c\u800c\u4e14<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\u80fd\u964d\u4f4e\u5229\u76ca\u885d\u7a81\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u539f\u56e01\uff1a\u5176\u4ed6\u5de5\u5177\u6210\u672c\u592a\u9ad8\uff0c\u800cETF\u6210\u672c\u66f4\u4f4e<\/h3>\n\n\n\n<p>\u901a\u5e38\u6295\u8cc7\u8981\u9078\u64c7\u5ee3\u6cdb\u5206\u6563\u7684\u5de5\u5177\u6642\uff0c\u76f4\u89ba\u6703\u60f3\u5230\u57fa\u91d1\uff0c\u4f46\u57fa\u91d1\u5728\u7576\u524d\u7684\u53f0\u7063\u6295\u8cc7\u74b0\u5883\u4e2d\uff0c\u6210\u672c\u662f\u975e\u5e38\u8cb4\u7684\u3002<\/p>\n\n\n\n<p>\u76ee\u524d\u570b\u969b\u4e0a\u7684\u8ca1\u5bcc\u7ba1\u7406\u8da8\u52e2\uff0c\u4e3b\u52d5\u5f0f\u57fa\u91d1\u7684\u8cc7\u91d1\u5927\u91cf\u7684\u6d41\u51fa\uff0c\u800c\u88ab\u52d5\u5f0f\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\">ETF<\/a>\u8cc7\u91d1\u537b\u662f\u5927\u91cf\u7684\u6d41\u5165\uff08\u7279\u5225\u662f\u90a3\u4e9b\u5167\u542b\u7ba1\u7406\u8cbb\u6975\u4f4e\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\">ETF<\/a>\uff09\uff0c\u539f\u56e0\u5f88\u7c21\u55ae\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=6976\" target=\"_blank\" rel=\"noopener\" title=\"\">\u4e3b\u52d5\u5f0f\u57fa\u91d1\u7684\u7ba1\u7406\u8cbb\u7528\u592a\u9ad8\u4e86<\/a>\uff0c\u5c0d\u6c11\u773e\u6975\u70ba\u4e0d\u5229\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-14.png\" alt=\"\" class=\"wp-image-8501\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-14.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-14-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-14-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-14-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-14-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u4e00\u822c\u6d77\u5916\u57fa\u91d1\u7684\u5167\u542b\u7ba1\u7406\u8cbb\u5927\u7d04\u662f2%-2.5%\uff08\u6bcf\u5e74\uff09\uff0c\u800c\u570b\u5916\u5f88\u591a\u540c\u985e\u578b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\">ETF<\/a>\u7684\u5167\u542b\u7ba1\u7406\u8cbb\u537b\u53ea\u67090.1%\uff08\u6bcf\u5e74\uff09\u4ee5\u4e0b\uff0c\u63a1\u7528\u9019\u7a2eETF\u6295\u8cc7\uff0c\u6bcf\u5e74\u81ea\u52d5\u5e6b\u4f60\u589e\u52a0\u81f3\u5c112%\u7684\u7372\u5229\uff0c\u9577\u671f\u4e0b\u4f86\u7372\u5229\u5c31\u6703\u5f88\u53ef\u89c0\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1752\" height=\"1022\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/102-3.jpg\" alt=\"\" class=\"wp-image-1737\" style=\"width:533px;height:310px\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/102-3.jpg 1752w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/102-3-300x175.jpg 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/102-3-1024x597.jpg 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/102-3-768x448.jpg 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/102-3-1536x896.jpg 1536w\" sizes=\"auto, (max-width: 1752px) 100vw, 1752px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u539f\u56e02\u3001\u7f8e\u80a1ETF\u53c8\u6bd4\u53f0\u80a1ETF\u66f4\u591a\u3001\u66f4\u4fbf\u5b9c<\/h3>\n\n\n\n<p>\u6839\u64da\u963f\u723e\u767c\u767c\u5e03\u4e86\u300a2022\u5e74\u5168\u7403ETF\u95dc\u9375\u5831\u544a\u300b\uff0c\u5728\u622a\u81f32021\u5e74\uff0c\u7f8e\u570b\u7684ETF\u7d2f\u7a4d\u5df2\u7d93\u8d85\u904e2,803\u6a94\uff0c\u5728\u53f0\u7063\u4e5f\u8d85\u904e221\u6a94\u3002<\/p>\n\n\n\n<p>\u7f8e\u80a1ETF\u7684\u8cbb\u7528\u7387\u66f4\u4f4e\uff0c\u7f8e\u80a1ETF\u7684\u5e73\u5747\u8cbb\u7528\u7387\u70ba0.17%\uff0c\u53f0\u80a1ETF\u7684\u8cbb\u7528\u7387\u70ba0.45%\u3002<\/p>\n\n\n\n<p>\u5f9e\u6578\u91cf\u4e5f\u66f4\u591a\uff0c\u7f8e\u80a1ETF\u7684\u6a94\u6578\u67092,803\u6a94\uff0c\u9ad8\u65bc\u53f0\u80a1ETF\u7684221\u6a94\u3002<\/p>\n\n\n\n<p>\u7f8e\u80a1ETF\u53c8\u6bd4\u53f0\u80a1ETF\u66f4\u591a\u3001\u66f4\u4fbf\u5b9c\uff0c\u5728\u4ea4\u6613\u6210\u672c\u53ef\u63a7\u7684\u72c0\u6cc1\u4e0b\uff0c\u66f4\u591a\u7684\u9078\u64c7\u80fd\u5e36\u4f86\u66f4\u591a\u5143\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u4e26\u5be6\u73fe\u66f4\u591a\u5143\u7684\u6295\u8cc7\u7b56\u7565\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u53f0\u80a1ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7f8e\u80a1ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF\u6578\u91cf<\/td><td class=\"has-text-align-center\" data-align=\"center\">221<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,803<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7e3d\u8cc7\u7522\u898f\u6a21<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.1\u5146\u53f0\u5e63<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.2\u5146\u7f8e\u5143<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u767c\u884c\u5546<\/td><td class=\"has-text-align-center\" data-align=\"center\">15\u5bb6<\/td><td class=\"has-text-align-center\" data-align=\"center\">246\u5bb6<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5e73\u5747\u8cbb\u7528\u7387<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.45%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.17%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1aMorningstar Direct\uff0c\u963f\u723e\u767c\u6295\u9867\u6574\u7406<br \/>\u5e73\u5747\u8cbb\u7528\u7387\u70ba\u5404 ETF \u8cbb\u7528\u7387\u4f9d\u64da\u8cc7\u7522\u898f\u6a21\u52a0\u6b0a\u5e73\u5747\u8a08\u7b97<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u539f\u56e03\u3001ETF\u80fd\u964d\u4f4e\u5229\u76ca\u885d\u7a81\uff0c\u5e36\u4f86\u66f4\u5ba2\u89c0\u7684\u5efa\u8b70<\/h3>\n\n\n\n<p>\u6a5f\u5668\u4eba\u7406\u8ca1\u9078\u64c7ETF\u4e3b\u8981\u662f\u56e0\u70ba\u80fd\u514d\u65bc\u5229\u76ca\u885d\u7a81\u3002<\/p>\n\n\n\n<p>\u53f0\u7063\u7684\u57fa\u91d1\u92b7\u552e\u6a5f\u69cb\u5927\u591a\u6703\u5f97\u5230\u5f9e\u7d93\u7406\u8cbb\u4f86\u81ea\u7684\u56de\u6263\u50ad\u91d1\uff08kick-back commission\uff09\uff0c\u82f1\u6587\u7a31\u70ba\u300c\u9000\u50ad\uff08Retrocession\uff09\u300d\uff0c\u5e38\u898b\u7684\u5f62\u5f0f\u4e2d\u9593\u4eba\u8cbb\uff08finder&#8217;s fee\uff09\u3001\u63a8\u85a6\u8cbb\uff08referral fee\uff09\u3001\u92b7\u552e\u4f63\u91d1\uff08sales commission\uff09\u3001\u96b1\u85cf\u4f63\u91d1\uff08hidden commission\uff09\u7b49\u3002<\/p>\n\n\n\n<p>Morningstar\u57282022\u5e74\u767c\u5e03\u4e00\u7bc7\u5831\u544a\u300aGlobal Investor Experience Study-Fees and Expenses\u300b\u5206\u6790\u4e86\u5168\u7403\u7684\u6295\u8cc7\u8005\u9ad4\u9a57\u53f0\u7063\u5728\u8cbb\u7528\u7684\u5206\u6578\u662f\u6700\u4f4e\u7684\uff0c\u751a\u81f3\u6bd4\u7fa9\u5927\u5229\u3001\u58a8\u897f\u54e5\u9084\u4f4e\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-13.png\" alt=\"\" class=\"wp-image-8455\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-13.png 1600w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-13-300x169.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-13-1024x576.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-13-768x432.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2024\/02\/image-13-1536x864.png 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>\u5176\u4e2d\uff0c\u53f0\u7063\u7684\u57fa\u91d1\u5927\u591a\u6578\u662f\u7531\u9280\u884c\u4f86\u4e3b\u5c0e\u92b7\u552e\uff0c\u5728\u5831\u544a\u4e2d\u5beb\u9053\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u5728\u9280\u884c\u4e3b\u5c0e\u57fa\u91d1\u5206\u92b7\u7684\u5e02\u5834\u4e2d\uff0c\u6c92\u6709\u8de1\u8c61\u986f\u793a\u5e02\u5834\u529b\u91cf\u672c\u8eab\u6703\u58d3\u4f4e\u6563\u6236\u6295\u8cc7\u8005\u7684\u8cc7\u7522\u52a0\u6b0a\u4e2d\u4f4d\u6578\u8cbb\u7528\u6bd4\u7387\u3002<\/p>\n\n\n\n<p>\u9019\u5728\u7fa9\u5927\u5229\u3001\u53f0\u7063\u3001\u9999\u6e2f\u548c\u65b0\u52a0\u5761\u7b49\u5e02\u5834\u5c24\u5176\u660e\u986f\uff0c\u5728\u9019\u4e9b\u5e02\u5834\u4e2d\uff0c\u6602\u8cb4\u7684\u5883\u5916\u57fa\u91d1\u92b7\u552e\u4e3b\u5c0e\u8f03\u4fbf\u5b9c\u7684\u672c\u5730\u57fa\u91d1\u92b7\u552e\u3002<\/p>\n\n\n\n<p>In markets where banks dominate fund distribution, there is no sign that market forces alone will drive down asset-weighted median expense ratios for retail investors. This is particularly evident in markets like Italy, Taiwan, Hong Kong, and Singapore where expensive offshore fund sales pre-dominate over those of cheaper locally domiciled funds.<\/p>\n<\/blockquote>\n\n\n\n<p>\u6536\u53d6\u56de\u6263\u5728\u5176\u4ed6\u884c\u696d\u4e5f\u975e\u65b0\u805e\uff0c\u6c11\u773e\u4e0d\u559c\u6b61\u56de\u6263\u7684\u5236\u5ea6\uff0c\u91dd\u5c0d\u516c\u52d9\u54e1\u6536\u56de\u6263\u6709\u5236\u5b9a\u8caa\u6c59\u6cbb\u7f6a\u689d\u4f8b\uff0c\u6b63\u662f\u70ba\u4e86\u907f\u514d\u5305\u5e87\u6216\u8005\u4e0d\u5ba2\u89c0\u7684\u8a55\u9451\uff0c\u800c\u5728\u91d1\u878d\u696d\u4e5f\u6b63\u5728\u7d93\u6b77\u9019\u6bb5\u9769\u547d\u3002<\/p>\n\n\n\n<p>\u56de\u6263\u53ef\u80fd\u5b58\u5728\u5229\u76ca\u885d\u7a81\u548c\u7f3a\u4e4f\u900f\u660e\u5ea6\uff0c\u570b\u969b\u4e0a\u4e5f\u66fe\u53d7\u5230\u56b4\u53b2\u6279\u8a55\u3002<\/p>\n\n\n\n<p>\u745e\u58eb\u806f\u90a6\u6cd5\u5ead\u66fe\u5728\u591a\u500b\u5834\u5408\u8868\u793a\uff0c\u9000\u50ad\u6703\u9020\u6210\u5229\u76ca\u885d\u7a81\uff0c\u56e0\u70ba\u9280\u884c\u6703\u88ab\u6fc0\u52f5\u4fc3\u4f7f\u5ba2\u6236\u53bb\u8cfc\u8cb7\u67d0\u7a2e\u7522\u54c1\uff0c\u800c\u5c31\u5ba2\u6236\u7684\u5229\u76ca\u800c\u8a00\uff0c\u9019\u7a2e\u64cd\u4f5c\u4e26\u4e0d\u5408\u7406\u3002<\/p>\n\n\n\n<p>\u5728\u6b50\u76df\uff0c\u91d1\u878d\u5e02\u5834\u7684\u91cd\u5927\u8b8a\u9769\u50ac\u751f\u4e86\u4e00\u7cfb\u5217\u8b93\u91d1\u878d\u696d\u66f4\u52a0\u900f\u660e\u548c\u8ca0\u8cac\u4efb\u7684\u6cd5\u898f\uff0c\u56e0\u6b64\u76e3\u7ba1\u6a5f\u69cb\u6b63\u5728\u5c0b\u6c42\u4e00\u7a2e\u65b9\u6cd5\u4f86\u5927\u5e45\u6e1b\u5c11\u751a\u81f3\u5b8c\u5168\u7981\u6b62\u5b83\u5011\uff0c\u4f46\u622a\u81f3 2019 \u5e74\uff0c\u53ea\u6709\u4e09\u500b\u6b50\u76df\u570b\u5bb6\uff08\u82f1\u570b\u3001\u4e39\u9ea5\u548c\u8377\u862d\uff09\u5b8c\u5168\u7981\u6b62\u8a98\u60d1\u3002<\/p>\n\n\n\n<p>\uff08\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=7575\" target=\"_blank\" rel=\"noopener\" title=\"\">\u963f\u723e\u767c\u7684\u6a5f\u5668\u4eba\u7406\u8ca1\u5275\u65b0\u4e4b\u8def<\/a>\uff09<\/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=\"\u570b\u6cf0\u91d1\u80a1\u738b?\u5b9a\u671f\u5b9a\u984d\u4e00\u5b9a\u80fd\u8cfa\u9322?\u6295\u8cc7\u4eba\u7684\u4e09\u5927\u76f2\u9ede\u4e00\u6b21\u641e\u61c2\uff01\u3010\ud83d\udcb0\u7406\u8ca1\u5165\u9580\u61f6\u4eba\u5305EP9\u3011\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/t1WAS3ZIgWM?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\">\u70ba\u4ec0\u9ebc\u8981\u900f\u904e<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u6295\u8cc7<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\uff1f\u4e0d\u76f4\u63a5\u81ea\u5df1\u8cb7<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\u5c31\u597d\uff1f<\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u5217\u51fa\u5e7e\u500b\u4e3b\u8981\u539f\u56e0\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u3001\u81ea\u52d5\u5316\u6295\u8cc7\u8207\u8cc7\u7522\u914d\u7f6e<\/h3>\n\n\n\n<p><strong>\u81ea\u52d5\u5316\u7ba1\u7406<\/strong>\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u63d0\u4f9b\u81ea\u52d5\u5316\u7684\u6295\u8cc7\u7ba1\u7406\u670d\u52d9\uff0c\u53ef\u4ee5\u6839\u64da\u6295\u8cc7\u8005\u7684\u98a8\u96aa\u504f\u597d\u3001\u6295\u8cc7\u76ee\u6a19\u548c\u6642\u9593\u7bc4\u570d\u81ea\u52d5\u9078\u64c7\u5408\u9069\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\u7d44\u5408\uff0c\u4e26\u4e14\u5b9a\u671f<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1703\" title=\"\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u81ea\u52d5\u518d\u5e73\u8861\u4ecb\u7d39-Alpha\u2019s Portfolio Auto-Rebalancing\">\u81ea\u52d5\u518d\u5e73\u8861<\/a>\u4ee5\u7dad\u6301\u8cc7\u7522\u914d\u7f6e\u7684\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<p><strong>\u5206\u6563\u6295\u8cc7<\/strong>\uff1a\u900f\u904e\u8cfc\u8cb7\u591a\u7a2e<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=4881\" title=\"ETF\u662f\u4ec0\u9ebc\uff1fETF\u65b0\u624b\u6295\u8cc7\u6307\u6578\u578bETF\u76846\u5927\u91cd\u9ede\u4e00\u6b21\u770b\uff01\">ETF<\/a>\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u5e6b\u52a9\u6295\u8cc7\u8005\u9054\u5230\u5ee3\u6cdb\u7684\u5e02\u5834\u8986\u84cb\u548c\u5206\u6563\u6295\u8cc7\u7684\u6548\u679c\uff0c\u964d\u4f4e\u6295\u8cc7\u98a8\u96aa\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\u3001\u4f4e\u6210\u672c<\/h3>\n\n\n\n<p><strong>\u6210\u672c\u6548\u7387<\/strong>\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u6536\u53d6\u76f8\u5c0d\u8f03\u4f4e\u7684\u7ba1\u7406\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u56e0\u70ba<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u4e3b\u8981\u6295\u8cc7\u65bc\u4f4e\u8cbb\u7528\u7387\u7684ETF\uff0c\u56e0\u6b64\u6574\u9ad4\u6295\u8cc7\u6210\u672c\uff08\u6642\u9593\uff06\u91d1\u9322\uff09\u53ef\u80fd\u6bd4\u76f4\u63a5\u901a\u904e\u5238\u5546\u8cb7\u8ce3\u500b\u5225\u80a1\u7968\u6216ETF\u66f4\u4f4e\u3002\uff08\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1433\" title=\"\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u5e6b\u60a8\u7bc0\u77011%\u4ee5\u4e0a\u7684\u6642\u9593\u6210\u672c\">\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u5e6b\u60a8\u7bc0\u77011%\u4ee5\u4e0a\u7684\u6642\u9593\u6210\u672c<\/a>\uff09<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3\u3001\u7121\u9700\u6df1\u539a\u91d1\u878d\u77e5\u8b58<\/h3>\n\n\n\n<p><strong>\u6613\u65bc\u4f7f\u7528<\/strong>\uff1a\u5c0d\u65bc\u90a3\u4e9b\u7f3a\u4e4f\u91d1\u878d\u5e02\u5834\u6df1\u5165\u4e86\u89e3\u6216\u6c92\u6709\u6642\u9593\u7814\u7a76\u5e02\u5834\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u63d0\u4f9b\u4e86\u4e00\u500b\u6613\u65bc\u63a5\u8fd1\u4e14\u4f7f\u7528\u7c21\u55ae\u7684\u6295\u8cc7\u9014\u5f91\u3002<\/p>\n\n\n\n<p><strong>\u6559\u80b2\u8cc7\u6e90<\/strong>\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u5e73\u53f0\u9084\u63d0\u4f9b\u6559\u80b2\u8cc7\u6e90\uff0c\u5e6b\u52a9\u6295\u8cc7\u8005\u4e86\u89e3\u6295\u8cc7\u539f\u7406\u548c\u5e02\u5834\u52d5\u614b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4\u3001\u4fbf\u5229\u6027\u548c\u53ef\u8a2a\u554f\u6027<\/h3>\n\n\n\n<p><strong>\u5168\u5929\u5019\u5b58\u53d6<\/strong>\uff1a\u6295\u8cc7\u8005\u53ef\u4ee5\u96a8\u6642\u900f\u904e\u7db2\u7d61\u6216APP\u8a2a\u554f\u4ed6\u5011\u7684<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u5e33\u6236\uff0c\u9032\u884c\u6295\u8cc7\u6216\u67e5\u770b\u6295\u8cc7\u8868\u73fe\u3002<\/p>\n\n\n\n<p><strong>\u6700\u4f4e\u6295\u8cc7\u9580\u6abb<\/strong>\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u6709\u8f03\u4f4e\u7684\u8d77\u59cb\u6295\u8cc7\u91d1\u984d\u8981\u6c42\uff0c\u4f7f\u5f97\u5373\u4f7f\u662f\u8cc7\u91d1\u6709\u9650\u7684\u6295\u8cc7\u8005\u4e5f\u80fd\u5920\u958b\u59cb\u6295\u8cc7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5\u3001\u5ba2\u88fd\u5316\u6295\u8cc7\u7b56\u7565<\/h3>\n\n\n\n<p><strong>\u500b\u4eba\u5316\u670d\u52d9<\/strong>\uff1a\u6295\u8cc7\u8005\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u5177\u9ad4\u9700\u6c42\u548c\u76ee\u6a19\u5b9a\u5236\u6295\u8cc7\u7b56\u7565\uff0c\u4f8b\u5982\u963f\u723e\u767c\u63d0\u4f9b<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1551\">\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff08Monte Carlo method\uff09\u8a08\u7b97\u6210\u529f\u6a5f\u7387<\/a>\u4e26\u6295\u8cc7\u9810\u7b97\u5efa\u8b70\uff0c\u6295\u8cc7\u5f8c<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=5080\" 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>\u6703\u76f8\u61c9\u8abf\u6574\u6295\u8cc7\u7d44\u5408\uff0c\u78ba\u4fdd\u6295\u8cc7\u7d44\u5408\u6700\u6709\u6548\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\">\u5c08\u696d\u4e14\u4e0d\u5e36\u5229\u76ca\u885d\u7a81\u7684\u6295\u8cc7\u5efa\u8b70<\/h2>\n\n\n\n<p>\u500b\u4eba\u6295\u8cc7\u8005\u5728\u7406\u8ca1\u6642\u90fd\u9762\u81e8\u4e09\u5927\u554f\u984c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7f3a\u4e4f\u5c08\u696d\u4e14\u4e0d\u5e36\u5229\u76ca\u885d\u7a81<\/strong><strong>\u7684\u6295\u8cc7\u5efa\u8b70<\/strong><\/li>\n\n\n\n<li><strong>\u7f3a\u4e4f\u7b26\u5408\u6295\u8cc7\u7406\u8ad6\u7684<\/strong><strong>\u898f\u5283\u5e73\u53f0<\/strong><\/li>\n\n\n\n<li><strong>\u8cbb\u7528\u9ad8\u6602<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u9019\u4e9b\u539f\u56e0\u5c0e\u81f4\u5927\u90e8\u5206\u500b\u4eba\u6295\u8cc7\u8005\u7684\u6295\u8cc7\u7d50\u679c\u4e0d\u76e1\u7406\u60f3\uff0c\u6211\u5011\u5718\u968a\u90fd\u66fe\u89aa\u8eab\u9ad4\u9a57\u904e\u6b64\u554f\u984c\uff0c\u56e0\u6b64\u6c7a\u5fc3\u5f9e\u6839\u6e90\u89e3\u6c7a\uff0c\u56e0\u800c\u884d\u751f\u4e86\u6211\u5011\u9019\u500b\u6642\u4ee3\u6700\u5927\u7684\u6a5f\u9047\uff1a\u963f\u723e\u767c\u6a5f\u5668\u4eba\u7406\u8ca1\u3002<\/p>\n\n\n\n<p>\u963f\u723e\u767c\u6c7a\u5fc3\u9078\u64c7\u4f7f\u7528\u4f4e\u6210\u672c\u3001\u5ee3\u6cdb\u5206\u6563\u7684ETF\uff0c\u5e36\u7d66\u60a8\u5ba2\u89c0\u516c\u6b63\u7684\u5efa\u8b70\u3001\u4e0d\u5e36\u5229\u76ca\u885d\u7a81\u3001\u7b26\u5408\u79d1\u5b78\u7684\u6295\u8cc7\u7406\u8ad6\u3001\u5408\u7406\u7684\u6210\u672c\u3002<\/p>\n\n\n\n<p>\u4ee5\u963f\u723e\u767c\u6838\u5fc3\u6295\u8cc7\u7d44\u5408\u70ba\u4f8b\uff0c100%\u63a1\u7528\u5148\u92d2\u9818\u822a\u767c\u884c\uff08Vanguard\uff09\u7684ETF\uff0c\u6210\u672c\u6700\u4f4e\u81f30.03%\uff0c\u5e73\u57470.1%\u3002\uff08\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/blog.roboadvisor.com.tw\/?p=1662\" title=\"\u963f\u723e\u767c\u6838\u5fc3\u6295\u8cc7\u7d44\u5408\u5efa\u69cb\u7b56\u7565-Alpha Core Portfolio Strategy\">\u963f\u723e\u767c\u6838\u5fc3\u6295\u8cc7\u7d44\u5408\u5efa\u69cb\u7b56\u7565-Alpha Core Portfolio Strategy<\/a>\uff09<\/p>\n\n\n\n<p>\u7db2\u8def\u4e0a\u6709\u53e5\u540d\u8a00\uff1a\u300c\u826f\u5fc3\u8ca8\uff0c\u63db\u4f60\u8840\u6c57\u9322\u300d\uff0c\u5728\u963f\u723e\u767c\u300c<strong>\u826f\u5fc3\u8ca8\uff0c\u653e\u5927\u4f60\u7684\u8840\u6c57\u9322<\/strong>\u300d\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1\u8207ETF\u662f\u4f60\u6700\u4f73\u7684\u6295\u8cc7\u5de5\u5177\u3002<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>AI \u6280\u8853\u98db\u901f\u767c\u5c55\uff0c\u5e02\u5834\u683c\u5c40\u6b63\u5287\u8b8a\u3002\u4e2d\u570b\u65b0\u5275 DeepSeek \u8fd1\u65e5\u5ba3\u5e03\uff0c\u900f\u904e\u4f4e\u968e\u6676\u7247\u8207\u66f4\u5c11\u6210\u672c\uff0c\u5373\u53ef\u9054\u5230 C [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[55,295],"class_list":["post-8449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-29","tag-etf","tag-295"],"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\/8449","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=8449"}],"version-history":[{"count":0,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/8449\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/8480"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8449"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8449"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}