{"id":65140,"date":"2025-04-22T10:16:00","date_gmt":"2025-04-22T02:16:00","guid":{"rendered":"https:\/\/www.url.com.tw\/blog\/?p=65140"},"modified":"2025-04-11T15:19:00","modified_gmt":"2025-04-11T07:19:00","slug":"%e8%b3%ba%e5%a4%a0%e4%bd%a0%e7%9a%84%e5%8f%af%e6%94%af%e9%85%8d%e6%89%80%e5%be%97","status":"publish","type":"post","link":"https:\/\/www.url.com.tw\/blog\/?p=65140","title":{"rendered":"\u8cfa\u5920\u4f60\u7684\u53ef\u652f\u914d\u6240\u5f97"},"content":{"rendered":"\n

\u6587\uff0e\u6d2a\u5bf6\u5c71<\/p>\n\n\n\n

\u81ea\u5f9e\u8cf4\u6e05\u5fb7\u7e3d\u7d71\u5b9a\u8abf\u4e2d\u570b\u662f\u300c\u5883\u5916\u6575\u5c0d\u52e2\u529b\u300d\uff0c\u7f8e\u570b\u4e5f\u6c92\u6279\u8a55\uff0c\u53f0\u80a1\u7684\u8ecd\u5de5\u65cf\u7fa4\u53c8\u9f4a\u6f32\u8d70\u5f37\uff0c\u7b46\u8005\u7a81\u7136\u611f\u89ba\u5230\u6625\u6696\u82b1\u958b\u7684\u80cc\u5f8c\u6697\u6f6e\u6d36\u6e67\uff0c\u60f3\u8457\u4e0d\u77e5\u9053\u53f0\u7063\u5c07\u4f86\u5982\u679c\u8ddf\u70cf\u514b\u862d\u4e00\u6a23\u6b20\u4e00\u5c41\u80a1\u50b5\u8981\u9084\u7f8e\u570b\uff0c\u52de\u4fdd\u5e74\u91d1\u6703\u4e0d\u6703\u8d8a\u9818\u8d8a\u5c11\uff1f\u88ab\u8feb\u5171\u9ad4\u6642\u8271\uff1f\u4e4b\u524d\u7db2\u8def\u4e0a\u8aaa\uff0c\u5982\u679c\u9000\u4f11\u5f8c\u6d3b\u5f97\u4e0d\u662f\u5f88\u9577\uff0c\u65e9\u9ede\u9000\u4f11\u53cd\u800c\u9818\u5f97\u591a\uff0c\u4e5f\u4e0d\u77e5\u9053\u662f\u4e0d\u662f\u771f\u7684\uff0c\u65e2\u7136\u7f8e\u4e2d\u7af6\u8cfd\u662f\u672a\u4f86\u5341\u5e74\u7684\u5730\u7de3\u653f\u6cbb\u4e3b\u8ef8\uff0c\u65e9\u9ede\u8a66\u7b97\u4e5f\u662f\u597d\u7684\u3002<\/p>\n\n\n\n

\u8a66\u7b97\u52de\u4fdd\u9000\u4f11\u91d1\u5920\u4e0d\u5920\u4f60\u82b1<\/strong><\/p>\n\n\n\n

\u52de\u5de5\u9000\u4f11\u5f8c\uff0c\u7576\u5e74\u9f61\u3001\u5e74\u8cc7\u7b26\u5408\u689d\u4ef6\u6642\u53ef\u8acb\u9818\uff0c\u5206\u4e09\u7a2e\u8acb\u9818\u8cc7\u683c\uff0c\u5305\u62ec\u8001\u5e74\u5e74\u91d1\u7d66\u4ed8\u3001\u8001\u5e74\u4e00\u6b21\u91d1\u7d66\u4ed8\u53ca\u4e00\u6b21\u8acb\u9818\u8001\u5e74\u7d66\u4ed8\u3002\u5a92\u9ad4\u7d93\u5e38\u95dc\u5fc3\u9000\u4f11\u5f8c\u600e\u9ebc\u9818\u6bd4\u8f03\u5212\u7b97\uff0c\u5167\u653f\u90e8\u516c\u5e032023\u5e74\u53f0\u7063\u7537\u6027\u5e73\u5747\u58fd\u547d76.94\u6b72\u3001\u5973\u6027\u5e73\u574783.74\u6b72\uff0c\u4ee5\u9019\u500b\u6a19\u6e96\u4f30\u7b97\u7684\u8a71\uff0c\u7576\u7136\u662f\u6708\u9818\u5212\u7b97\uff0c\u4e0d\u904e\uff0c\u4fdd\u96aa\u5e74\u8cc7\u5408\u8a08\u9700\u6eff15\u5e74\u3002\u5982\u679c25\u6b72\u958b\u59cb\u5de5\u4f5c\uff0c\u52de\u4fdd\u6295\u4fdd\u85aa\u8cc7\u5e73\u5747\u4ee545800\u5143\uff0c\u4ee5\u6708\u9818\u65b9\u5f0f\u9000\u4f11\uff0c\u5206\u5225\u8a66\u7b9760\u6b72\u9000\u4f11\u820765\u6b72\u9000\u4f11\uff0c\u6d3b\u523080\u6b72\u820785\u6b72\u5404\u53ef\u9818\u591a\u5c11\u9322\u3002<\/p>\n\n\n\n

\u52de\u4fdd\u8001\u5e74\u5e74\u91d1\u7d66\u4ed8=\u6708\u6295\u4fdd\u85aa\u8cc7\u00d7\u8a08\u767c\u7387\u00d7\u5e74\u8cc7\uff0c\u63d0\u524d\u9000\u4f11\u6bcf\u5e74\u6e1b\u7d664%\uff0c\u6700\u591a\u6e1b\u7d6620%\uff0c\u8a08\u767c\u7387\uff1a60\u6b72\u9000\u4f11\u662f1.55%\u00d7(1-20%)=1.24%\uff0c\u6708\u9000\u4f11\u91d1\uff1a45800\u00d71.24%\u00d735=19,877\u5143\uff0c\u301060\u6b72\u9000\u4f11\uff0c\u6d3b\u523080\u6b72\u3011\uff1a\u981820\u5e74\uff0c\u7e3d\u91d1\u984d\uff1a19,877\u00d712\u00d720=4,770,480\u5143\u3002\u301060\u6b72\u9000\u4f11\uff0c\u6d3b\u523085\u6b72\u3011\uff1a\u981825\u5e74\uff0c\u7e3d\u91d1\u984d\uff1a19,877\u00d712\u00d725=5,963,100\u5143\u3002<\/p>\n\n\n\n

65\u6b72\u9000\u4f11\u7684\u8a08\u767c\u7387\u662f1.55%\u3002\u6708\u9000\u4f11\u91d1\uff1a45800\u00d71.55%\u00d740=28,396\u5143\uff0c\u301065\u6b72\u9000\u4f11\uff0c\u6d3b\u523080\u6b72\u3011\uff1a\u981815\u5e74\uff0c\u7e3d\u91d1\u984d\uff1a28,396\u00d712\u00d715=5,111,280\u5143\u3002\u301065\u6b72\u9000\u4f11\uff0c\u6d3b\u523085\u6b72\u3011\uff1a\u981820\u5e74\uff0c\u7e3d\u91d1\u984d\uff1a28,396\u00d712\u00d720=6,815,040\u5143\u3002<\/p>\n\n\n\n

2005\u5e747\u67081\u65e5\u8d77\u5be6\u65bd\u7684\u65b0\u5236\u52de\u9000\uff0c\u96c7\u4e3b\u61c9\u6bcf\u6708\u4f9d\u7167\u5de5\u8cc7\u91d1\u984d\uff0c\u70ba\u52de\u5de5\u63d0\u7e73\u4e0d\u4f4e\u65bc6%\u7684\u52de\u5de5\u9000\u4f11\u91d1\uff0c\u52de\u5de5\u4e5f\u53ef\u5728\u6bcf\u6708\u5de5\u8cc76%\u7bc4\u570d\u5167\uff0c\u500b\u4eba\u81ea\u9858\u53e6\u63d0\u7e73\u9000\u4f11\u91d1\uff0c\u9019\u7b46\u9322\u5b58\u5728\u52de\u4fdd\u5c40\u8a2d\u7acb\u7684\u52de\u5de5\u9000\u4f11\u91d1\u500b\u4eba\u5c08\u6236\uff0c\u4e0d\u6703\u56e0\u8f49\u8077\u6216\u4f01\u696d\u5012\u9589\u3001\u6b47\u696d\u800c\u53d7\u5f71\u97ff\u3002<\/p>\n\n\n\n

\u52de\u5de5\u5e74\u6eff60\u6b72\u5373\u5f97\u8acb\u9818\u9000\u4f11\u91d1\uff0c\u96d6\u7136\u5e74\u8cc7\u6eff15\u5e74\u53ef\u9078\u64c7\u9818\u6708\u9000\u4f11\u91d1\u6216\u4e00\u6b21\u9000\u4f11\u91d1\uff0c\u4f46\u56e0\u70ba\u65b0\u5236\u9000\u4f11\u91d1\u662f\u5b58\u6b3e\u8207\u6295\u8cc7\u80a1\u7968\u7372\u5229\u5206\u7d05\u7684\u52a0\u7e3d\uff0c\u57fa\u672c\u4e0a\u5982\u679c\u4e0d\u8003\u616e\u6295\u8cc7\u80a1\u7968\u5206\u7d05\u7684\u689d\u4ef6\u4e0b\uff0c\u5c31\u662f\u5b58\u591a\u5c11\u3001\u9818\u591a\u5c11\u7684\u56fa\u5b9a\u91d1\u984d\u6982\u5ff5\u3002<\/p>\n\n\n\n

\u63d0\u524d\u9000\u4f11\u7e73\u570b\u4fdd\u6c92\u6709\u6bd4\u8f03\u5212\u7b97<\/strong><\/p>\n\n\n\n

\u570b\u6c11\u5e74\u91d1\u7d0d\u4fdd\u5c0d\u8c61\u662f\u5e74\u6eff25\u6b72\u3001\u672a\u6eff65\u6b72\uff0c\u5728\u570b\u5167\u8a2d\u6709\u6236\u7c4d\uff0c\u4e14\u6c92\u6709\u53c3\u52a0\u52de\u4fdd\u3001\u8fb2\u4fdd\u3001\u516c\u6559\u4fdd\u3001\u8ecd\u4fdd\u7684\u570b\u6c11\uff0c\u4e5f\u5c31\u662f\u8aaa\u5538\u5b8c\u78a9\u58eb\u9084\u6c92\u5c31\u696d\u7684\u5e74\u8f15\u4eba\u5c31\u6703\u88ab\u7d0d\u4fdd\uff0c\u63db\u500b\u89d2\u5ea6\uff0c\u5982\u679c\u9078\u64c760\u6b72\u63d0\u524d\u9000\u4f11\u7684\u52de\u5de5\uff0c\u5c07\u4f86\u572865\u6b72\u4e4b\u524d\u5982\u679c\u6c92\u6709\u518d\u5c31\u696d\u7684\u8a71\uff0c\u4e5f\u8981\u7e73\u7d0d\u570b\u6c11\u5e74\u91d1\u3002<\/p>\n\n\n\n

\u5f9e\u9019\u500b\u89d2\u5ea6\u4f86\u770b\uff0c\u96d6\u7136\u63d0\u524d60\u6b72\u9000\u4f11\uff0c\u770b\u4f3c\u5c11\u7e73\u4e94\u5e74\u7684\u52de\u4fdd\u8cbb\uff0c\u4f46\u5176\u5be6\u4e5f\u6c92\u6709\u7701\u5230\uff0c\u56e0\u70ba\u8981\u62ff\u53bb\u7e73\u570b\u6c11\u5e74\u91d1\uff0c\u800c\u4e14\u52de\u4fdd\u7684\u81ea\u8ca0\u984d20%\uff0c\u570b\u6c11\u5e74\u91d1\u7684\u81ea\u8ca0\u984d30%~45%\uff0c\u6240\u4ee5\u5728\u8a66\u7b97\u4e0a\uff0c60~65\u6b72\u63d0\u524d\u9000\u4f11\u800c\u5c11\u7e73\u7684\u52de\u4fdd\u81ea\u8ca0\u984d\u8207\u88ab\u5f37\u5236\u7d0d\u4fdd\u7684\u570b\u6c11\u5e74\u91d1\u81ea\u8ca0\u984d\u53ef\u8996\u70ba\u4e92\u76f8\u62b5\u92b7\uff0c\u7701\u7565\u4e0d\u8a08\u3002<\/p>\n\n\n\n

\u4ee5\u6708\u6295\u4fdd\u91d1\u984d18,282\u5143\uff0c\uff21\u7b97\u5f0f\u9818\u5f97\u6bd4\u8f03\u591a\uff1a\u6708\u9818\u91d1\u984d=(\u6708\u6295\u4fdd\u91d1\u984d\u00d7\u4fdd\u96aa\u5e74\u8cc7\u00d70.65%)+\u57fa\u672c\u91d1\u984d(3,772\u5143)\uff0c\u7b49\u65bc(18,282\u00d75\u00d70.65%)+3,772=594.2+3,772\uff0c\uff21\u7b97\u5f0f\u6708\u9818\u91d1\u984d=4,366\u5143\u3002\u9818\u53d6\u671f\u9593\uff1a80\u6b72\uff0d65\u6b72=15\u5e74\uff0c\u7e3d\u91d1\u984d=4,366\u00d712(\u6708)\u00d715(\u5e74)=785,880\u5143\u3002<\/p>\n\n\n\n

\u6240\u4ee5\u63d0\u524d\u301060\u6b72\u9000\u4f11\uff0c\u6d3b\u523080\u6b72\u3011=\u8001\u5e74\u5e74\u91d14,770,480\u5143+\u570b\u6c11\u5e74\u91d1785,880\u5143=5,556,360\u5143\uff0c\u6bd4\u301065\u6b72\u9000\u4f11\uff0c\u6d3b\u523080\u6b72\u3011\u98185,111,280\u5143\u4f86\u5f97\u591a\u3002\u5e0c\u671b\u7b46\u8005\u6c92\u6709\u7b97\u932f\uff0c\u7b46\u8005\u4e0d\u662f\u9019\u65b9\u9762\u7684\u5c08\u9577\uff0c\u53ea\u662f\u5047\u8a2d\u67d0\u7a2e\u60c5\u5883\u8a66\u7b97\u6bd4\u8f03\uff0c\u9084\u8acb\u9019\u65b9\u9762\u7684\u5c08\u5bb6\u6307\u9ede\u932f\u8aa4\u7684\u5730\u65b9\uff0c\u611f\u6fc0\u4e0d\u5df2\u3002<\/p>\n\n\n\n

\u65b0\u5236\u52de\u9000\u57fa\u91d1\u7e3e\u6548\u52dd\u9ad8\u80a1\u606fETF<\/strong><\/p>\n\n\n\n

\u88dc\u5145\u65b0\u5236\u52de\u9000\u57fa\u91d1\u6295\u8cc7\u80a1\u5e02\u7684\u8a0a\u606f\uff0c\u65b0\u5236\u52de\u9000\u57fa\u91d12024\u5e74\u5927\u8cfa6989.7\u5104\u5143\uff0c\u6536\u76ca\u7387\u8d85\u904e16%\uff0c\u518d\u5275\u6b77\u53f2\u65b0\u9ad8\u3002\u52de\u4fdd\u5c40\u4e09\u6708\u521d\u5b8c\u6210\u6536\u76ca\u5206\u914d\uff0c\u57281292\u842c\u500b\u9000\u4f11\u91d1\u500b\u4eba\u5c08\u6236\u4e2d\uff0c\u7d04467\u842c\u6236\u5206\u914d\u8d85\u904e5\u842c\u5143\uff0c282\u842c\u6236\u5206\u914d2~5\u842c\u5143\uff0c\u4f46\u4e5f\u6709543\u842c\u6236\u5206\u4e0d\u52302\u842c\u5143\u3002<\/p>\n\n\n\n

\u96d6\u71362022\u5e74\u52de\u9000\u57fa\u91d1\u6158\u8ce0-6.67%\uff0c\u4f462023\u5e74\u5927\u8cfa12.8%\uff0c2024\u5e74\u518d\u8cfa16.14%\uff0c\u9019\u4e09\u5e74\u7684\u5e74\u5316\u5e73\u5747\u5831\u916c\u7387\u7d04\u70ba 6.9%\uff0c\u6bd4\u591a\u6578\u9ad8\u80a1\u606fETF\u7684\u80a1\u606f\u6b96\u5229\u7387\u9084\u9ad8\uff0c\u800c\u4e14\u6bcf\u5e74\u81ea\u9858\u63d0\u7e73\u7684\u91d1\u984d\u9084\u53ef\u4ee5\u4e0d\u8a08\u5165\u85aa\u8cc7\u6240\u5f97\u8ab2\u7d9c\u6240\u7a05\u3002<\/p>\n\n\n\n

\u9000\u4f11\u6d3b\u523080\u6b72\u9700\u8981\u591a\u5c11\u9322\u624d\u5b89\u5fc3\u5462\uff1f\u6839\u64da\u6c38\u8c50\u9280\u884c\u4f30\u7b97\uff0c\u5982\u679c\u672a\u4f86\u9000\u4f11\u60f3\u6bcf\u500b\u6708\u82b15\u842c\u5143\uff0c\u7537\u6027\u8981\u6e96\u5099\u7684\u9000\u4f11\u91d1\u70ba\uff1a5\u842c\u5143\u00d712\u6708\u00d712\u5e74=720\u842c\u5143\uff1b\u5973\u6027\u8981\u6e96\u5099\u7684\u9000\u4f11\u91d1\u5247\u70ba5\u842c\u00d712\u6708\u00d718\u5e74=1,080\u842c\u5143\u3002\u610f\u601d\u662f\u4e00\u5e74\u8d77\u78bc\u8981\u5b5825\u842c\u5143\uff0c\u4e00\u500b\u6708\u8981\u5b582\u842c\u5143\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"<\/p>\n

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