{"id":994,"date":"2018-05-14T11:50:00","date_gmt":"2018-05-14T03:50:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=994"},"modified":"2018-05-14T11:50:00","modified_gmt":"2018-05-14T03:50:00","slug":"%e6%83%b3%e8%a6%81%e9%80%80%e4%bc%91%ef%bc%8c%e5%88%b0%e5%ba%95%e6%ba%96%e5%82%99%e5%a4%9a%e5%b0%91%e7%a9%8d%e8%93%84%e6%89%8d%e5%a4%a0%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=994","title":{"rendered":"\u60f3\u8981\u9000\u4f11\uff0c\u5230\u5e95\u6e96\u5099\u591a\u5c11\u7a4d\u84c4\u624d\u5920\uff1f"},"content":{"rendered":"\n<p>2018-05-14<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><br \/><strong>\u70ba\u4ec0\u9ebc\u4f60\u6703\u9700\u8981\u9019\u7bc7\u6587\u7ae0\uff1f<\/strong><br \/><br \/>\u4f60\u662f\u5426\u5f80\u5f80\u64d4\u5fc3\u81ea\u5df1\u7684\u7a4d\u84c4\uff0c\u7a76\u7adf\u80fd\u5426\u61c9\u4ed8\u4e4b\u5f8c\u7684\u9000\u4f11\u751f\u6d3b\uff1f\u4f60\u662f\u5426\u4e5f\u8a8d\u70ba\u5230\u5e95\u8981\u5de5\u4f5c\u5230\u4f55\u6642\u624d\u80fd\u9000\u4f11\uff1f\u4f60\u662f\u5426\u7121\u8ad6\u5b58\u4e86\u591a\u5c11\u7a4d\u84c4\uff0c\u7e3d\u662f\u9084\u89ba\u5f97\u9000\u4f11\u6703\u4e0d\u5920\u7528\uff1f\u5982\u679c\u662f\uff0c\u8acb\u770b\u770b\u672c\u6587\u8aaa\u660e\u3002<br \/><br \/><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u73fe\u4ee3\u56e0\u70ba\u79d1\u6280\u65e5\u76ca\u767c\u9054\uff0c\u91ab\u7642\u6c34\u6e96\u65e5\u76ca\u9ad8\u8d85\uff0c\u8b93\u4eba\u985e\u80fd\u5920\u6108\u6d3b\u6108\u4e45\uff0c\u4f46\u4e5f\u56e0\u6b64\uff0c\u4f7f\u5f97\u5927\u5bb6\u5c0d\u9000\u4f11\u751f\u6d3b\u90fd\u6703\u611f\u5230\u975e\u5e38\u77db\u76fe\uff0c\u5728\u5de5\u4f5c\u9019\u9ebc\u4e45\u7684\u6642\u9593\uff0c\u7d42\u65bc\u53ef\u4ee5\u597d\u597d\u7684\u653e\u9b06\u4f11\u606f\uff0c\u60f3\u8981\u597d\u597d\u7684\u4eab\u53d7\uff0c\u537b\u53c8\u5c0d\u9000\u4f11\u4e4b\u5f8c\u7684\u672a\u77e5\u6578\u800c\u611f\u5230\u5bb3\u6015\uff0c\u6015\u9000\u4f11\u5f8c\uff0c\u81ea\u5df1\u7684\u7a4d\u84c4\u4e0d\u5920\u61c9\u4ed8\u9000\u4f11\u4e4b\u5f8c\u7684\u751f\u6d3b\uff0c\u800c\u9072\u9072\u4e0d\u6562\u9000\u4f11\uff0c\u9019\u4e5f\u4f7f\u5f97\u81fa\u7063\u73fe\u5728\u7684\u9000\u4f11\u5e74\u9f61\u5df2\u6709\u65e5\u6f38\u5ef6\u5f8c\u7684\u8da8\u52e2\uff08\u5982\u4e0b\u5716\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"997\" height=\"437\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/69-2.jpg\" alt=\"\" class=\"wp-image-996\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/69-2.jpg 997w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/69-2-300x131.jpg 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/69-2-768x337.jpg 768w\" sizes=\"auto, (max-width: 997px) 100vw, 997px\" \/><figcaption><strong>\u6b77\u5e74\u5de5\u696d\u53ca\u670d\u52d9\u696d\u53d7\u50f1\u54e1\u5de5\u9000\u4f11\u72c0\u6cc1<\/strong><br \/>\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.dgbas.gov.tw\/ct.asp?xItem=41848&amp;ctNode=5624\">\u884c\u653f\u9662\u4e3b\u8a08\u7e3d\u8655\u300c105 \u5e74\u53d7\u96c7\u54e1\u5de5\u52d5\u5411\u8abf\u67e5\u300d<\/a>\u3002<\/figcaption><\/figure>\n\n\n\n<p>\u5176\u5be6\u4e0d\u53ea\u662f\u81fa\u7063\u6709\u9019\u7a2e\u73fe\u8c61\uff0c\u7f8e\u570b\u4e5f\u662f\u5982\u6b64\uff0c\u5927\u5bb6\u90fd\u6703\u64d4\u5fc3\u81ea\u5df1\u7684\u9322\u5b58\u7684\u4e0d\u5920\u3002\u4ee5\u524d\u7e3d\u662f\u6709\u5f88\u591a\u8ddf\u9000\u4f11\u6709\u95dc\u7684\u7814\u7a76\u90fd\u6307\u51fa\u8aaa\uff0c\u6709\u8fd1\u534a\u6578\u7684\u7f8e\u570b\u4eba\u56e0\u70ba\u5b58\u592a\u5c11\u9322\uff0c\u9020\u6210\u4ed6\u5011\u9762\u81e8\u5230\u9000\u4f11\u5371\u6a5f\u3002\u4f46\u662f\uff0c\u6700\u8fd1\u537b\u6709\u4e00\u9805\u6700\u65b0\u7684\u7814\u7a76\u767c\u73fe\uff0c<mark style=\"background-color:rgba(0, 0, 0, 0);color:#278a6b\" class=\"has-inline-color\">\u4eba\u5011\u80fd\u9760\u7a4d\u84c4\u904e\u9000\u4f11\u751f\u6d3b\u7684\u6642\u9593\uff0c\u5176\u5be6\u6bd4\u9810\u671f\u4f86\u7684\u66f4\u4e45\uff0c\u9019\u662f\u70ba\u4ec0\u9ebc\u5462\uff1f\u56e0\u70ba\u5927\u90e8\u5206\u7684\u4eba\u90fd\u6703\u64d4\u5fc3\u81ea\u5df1\u5b58\u7684\u4e0d\u5920\uff0c\u6240\u4ee5\u5728\u9000\u4f11\u6642\u90fd\u6703\u9078\u64c7\u7bc0\u5109\u5ea6\u65e5\uff0c\u751a\u81f3\u5e38\u5e38\u7bc0\u5109\u904e\u982d\u3002<\/mark><\/p>\n\n\n\n<p>\u5728\u7f8e\u570b\u7684\u54e1\u5de5\u798f\u5229\u7814\u7a76\u6240\uff08Employee Benefit Research Institute\uff0c\u7c21\u7a31EBRI\uff09\u7814\u7a76\u8868\u793a\uff0c\u96d6\u7136\u6709\u4e9b\u4eba\u4e5f\u6703\u7528\u5149\u4ed6\u5011\u7684\u9322\uff0c\u4f46\u5e73\u5747\u4f86\u8aaa\uff0c\u4e00\u500b\u64c1\u6709\u5132\u84c4\u5c11\u65bc50\u842c\u7f8e\u91d1\u7684\u4eba\uff0c\u4ed6\u5011\u5728\u9000\u4f11\u7684\u982d20\u5e74\u53ea\u6703\u82b1\u6389\u5927\u7d04\u56db\u5206\u4e4b\u4e00\u7684\u7a4d\u84c4\u3002\u6709\u4e09\u5206\u4e4b\u4e00\u7684\u4eba\uff0c\u4ed6\u7684\u9000\u4f11\u5132\u84c4\u6700\u5f8c\u751a\u81f3\u9084\u6bd4\u4ed6\u5011\u525b\u96e2\u958b\u8077\u5834\u6642\u591a\u3002\u800c\u6709\u4e9b\u4eba\u96e2\u958b\u5de5\u4f5c\u6642\u53ea\u67093\u842c2\u5343\u7f8e\u91d1\uff0c\u4f46\u662f\u9000\u4f1120\u5e74\u5f8c\uff0c\u4e5f\u9084\u67092\u842c4\u5343\u7f8e\u91d1\u7684\u7a4d\u84c4\u3002<\/p>\n\n\n\n<p>EBRI\u7684\u7814\u7a76\u4e2d\uff0c\u751a\u81f3\u8aaa\u4e86\uff0c\u7121\u8ad6\u5176\u6240\u5f97\u6c34\u6e96\u662f\u5728\u54ea\uff0c\u6bcf\u4e00\u500b\u6240\u5f97\u6c34\u6e96\u7684\u65cf\u7fa4\uff0c\u90fd\u6703\u6709\u4fdd\u5b88\u652f\u51fa\u3001\u7bc0\u7701\u958b\u92b7\u7684\u4eba\u3002\u5728\u7814\u7a76\u4e2d\uff0c\u90a3\u4e9b\u64c1\u6709\u5f88\u591a\u7a4d\u84c4\u7684\u4eba\uff0c\u4e5f\u5c31\u662f\u525b\u9000\u4f11\u6642\u5132\u84c4\u4e2d\u4f4d\u6578\u70ba85\u842c7,450\u7f8e\u91d1\u7684\u4eba\uff0c\u9000\u4f11\u4e8620\u5e74\u4e4b\u5f8c\uff0c\u4ecd\u7136\u9084\u670975\u842c6,300\u7f8e\u91d1\uff0c\u53ea\u6bd4\u539f\u4f86\u7684\u7a4d\u84c4\u6e1b\u5c11\u4e8611.8%\u3002\u800c\u9322\u5b58\u5f97\u6700\u5c11\u7684\u4e00\u6279\u4eba\uff0c\u4e5f\u5c31\u662f\u525b\u9000\u4f11\u6642\u5132\u84c4\u4e2d\u4f4d\u6578\u70ba2\u842c9,975\u7f8e\u91d1\u7684\u4eba\uff0c20\u5e74\u5f8c\u7684\u9000\u4f11\u7a4d\u84c4\u4e5f\u53ea\u6e1b\u5c1124.4%\u3002<\/p>\n\n\n\n<p>\u9019\u4e9b\u7814\u7a76\u96d6\u7136\u544a\u8a34\u4e86\u6211\u5011\u4e0d\u7528\u592a\u64d4\u5fc3\uff0c\u56e0\u70ba\u6211\u5011\u90fd\u6703\u96a8\u8457\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\u800c\u8abf\u6574\u81ea\u5df1\u7684\u751f\u6d3b\uff0c\u4f46\u662f\uff0c<mark style=\"background-color:rgba(0, 0, 0, 0);color:#278a6b\" class=\"has-inline-color\">\u5982\u679c\u80fd\u63d0\u65e9\u6e96\u5099\u9000\u4f11\u898f\u5283\uff0c\u8b93\u6211\u5011\u4e4b\u5f8c\u80fd\u597d\u597d\u4eab\u53d7\u9000\u4f11\u751f\u6d3b\u6703\u66f4\u597d\u3002<\/mark>\u9000\u4f11\u898f\u5283\u6709\u5f88\u591a\u7a2e\uff0c<strong>\u4f60\u53ef\u4ee5\u9078\u64c7\u6bd4\u8f03\u7c21\u55ae\u7684\uff0c\u50cf\u662f\u3008<a href=\"https:\/\/roboadvisor.com.tw\/Blog\/?p=918\">\u6a5f\u5668\u4eba\u7406\u8ca1 300\u6cd5\u5247\u9000\u4f11\u898f\u5283<\/a>\u3009\uff0c\u4f30\u7b97\u81ea\u5df1\u9000\u4f11\u5f8c\u4e00\u500b\u6708\u5927\u6982\u6709\u591a\u5c11\u652f\u51fa\uff08\u751f\u6d3b\u8cbb+\u56fa\u5b9a\u652f\u51fa\u8cbb\u7528\uff09\uff0c\u5c07\u6b64\u6578\u5b57*300\u5c31\u662f\u4f60\u9700\u8981\u6e96\u5099\u7684\u9000\u4f11\u91d1\u3002<\/strong>\u4f8b\u5982\uff1a\u4f60\u4f30\u8a08\u9000\u4f11\u4e4b\u5f8c\uff0c\u6bcf\u500b\u6708\u958b\u92b7\u70ba 50,000 \u5143\uff0c\u4f9d\u64da 300 \u6cd5\u5247\u7684\u65b9\u6cd5\uff0c\u4f60\u81f3\u5c11\u5f97\u9700\u8981\u6709 1,500\u842c\u5143 (50,000 x 300 = 15,000,000) \u624d\u8db3\u4ee5\u7dad\u6301\u4f60\u9000\u4f11\u5f8c\u7684\u57fa\u672c\u751f\u6d3b\u3002<\/p>\n\n\n\n<p>\u6216\u662f\uff0c<strong>\u4f60\u4e5f\u53ef\u4ee5\u9032\u4e00\u6b65\u9078\u64c7\u50cf\u3008<a href=\"https:\/\/roboadvisor.com.tw\/Blog\/?p=3156\">\u6a5f\u5668\u4eba\u7406\u8ca1 \u7684\u9000\u4f11\u5229\u5668\u2015\u2015\u8499\u5730\u5361\u7f85\u5206\u6790\uff0c\u8b93\u4f60\u4e0d\u6015\u9577\u547d\u767e\u6b72\u7684\u9000\u4f11\u751f\u6d3b<\/a>\u3009\u6587\u7ae0\u4e2d\uff0c\u6240\u63d0\u5230\u7684\u6bd4\u8f03\u79d1\u5b78\u7684\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff0c\u6703\u5229\u7528\u5404\u7a2e\u6a21\u64ec\u7684\u72c0\u6cc1\uff0c\u53ef\u4ee5\u8b93\u6295\u8cc7\u4eba\u77e5\u9053\u9000\u4f11\u5f8c\u5e0c\u671b\u63d0\u9818\u7684\u91d1\u984d\uff0c\u6210\u529f\u7387\u6703\u662f\u591a\u5c11\uff0c\u662f\u5426\u6703\u63d0\u524d\u7528\u5b8c\u3002<\/strong>\u4f8b\u5982\uff1a\u900f\u904e\u8499\u5730\u5361\u7f85\u6a21\u64ec\u6cd5\uff0c\u6211\u5011\u8a08\u7b97\u51fa\u5c071,000\u842c\u6295\u8cc7\u65bc\u80a1\u7968\/\u50b5\u5238\u5360\u6bd440\/60\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u90a3\u9ebc\u4f60\u6bcf\u5e74\u63d0\u981850\u842c\uff0c\u662f\u670985%\u7684\u6a5f\u7387\u63d0\u981830\u5e74\uff0c\u90fd\u6c92\u554f\u984c\u7684\u3002<\/p>\n\n\n\n<p>\u6709\u4e86\u9019\u4e9b\u65b9\u6cd5\uff0c\u4fbf\u80fd\u8b93\u4f60\u7684\u9000\u4f11\u898f\u5283\u4e0d\u7528\u6101\uff0c\u5982\u679c\u4f60\u9084\u6c92\u9000\u4f11\uff0c\u90a3\u9ebc\u4f60\u66f4\u61c9\u8a72\u8981\u5f9e\u73fe\u5728\u958b\u59cb\u601d\u8003\uff0c\u4f60\u5e0c\u671b\u81ea\u5df1\u65e5\u5f8c\u80fd\u904e\u600e\u9ebc\u6a23\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u5f9e\u73fe\u5728\u958b\u59cb\u597d\u597d\u8a08\u756b\u4f60\u53ef\u4ee5\u53c3\u8003\uff1a\u3008<a href=\"https:\/\/roboadvisor.com.tw\/Blog\/?p=2843\">\u5e74\u8f15\u4eba\uff0c\u9019\u662f\u4f60\u9000\u4f11\u7684\u7b2c\u4e00\u6b65<\/a>\u3009\uff0c\u64fa\u812b\u5c0d\u672a\u77e5\u7684\u6050\u61fc\uff01<\/p>\n\n\n\n<p><br \/>#\u95b1\u8b80\u6642\u95934\u5206\u9418<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2018-05-14 \u70ba\u4ec0\u9ebc\u4f60\u6703\u9700\u8981\u9019\u7bc7\u6587\u7ae0\uff1f \u4f60\u662f\u5426\u5f80\u5f80\u64d4\u5fc3\u81ea\u5df1\u7684\u7a4d\u84c4\uff0c\u7a76\u7adf\u80fd\u5426\u61c9\u4ed8\u4e4b\u5f8c\u7684\u9000\u4f11\u751f\u6d3b\uff1f\u4f60\u662f\u5426\u4e5f [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":999,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[105,342,460,464],"class_list":["post-994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-10","tag-105","tag-342","tag-460","tag-464"],"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\/994","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=994"}],"version-history":[{"count":0,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/994\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/999"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=994"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=994"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}