{"id":41713,"date":"2026-01-09T23:56:00","date_gmt":"2026-01-09T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=41713"},"modified":"2026-02-12T12:11:56","modified_gmt":"2026-02-12T04:11:56","slug":"%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/","title":{"rendered":"\u80a1\u7968\u5831\u916c\u7387\u591a\u5c11\u624d\u5408\u7406\uff1f"},"content":{"rendered":"\n<p>\u80a1\u7968\u5831\u916c\u7387\u61c9\u8a72\u8981\u591a\u5c11\u624d\u5408\u7406\uff1f\u4eca\u5929\u9019\u7bc7\u8981\u8ac7\u7684\u662f\u6240\u6709\u6295\u8cc7\u4eba\u90fd\u95dc\u5fc3\u7684\u6700\u91cd\u8981\u7684\u9019\u500b\u554f\u984c\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/#%E7%82%BA%E4%BD%95%E6%B2%92%E6%9C%89%E7%AD%94%E6%A1%88%EF%BC%9F\" >\u70ba\u4f55\u6c92\u6709\u7b54\u6848\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/#%E5%A6%82%E4%BD%95%E5%9B%9E%E7%AD%94%E6%89%8D%E5%90%88%E7%90%86%EF%BC%9F\" >\u5982\u4f55\u56de\u7b54\u624d\u5408\u7406\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/#%E6%88%91%E6%9B%B8%E4%B8%AD%E6%9C%89%E9%97%9C%E7%9A%84%E5%85%A7%E5%AE%B9\" >\u6211\u66f8\u4e2d\u6709\u95dc\u7684\u5167\u5bb9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/#%E6%8A%95%E8%B3%87%E5%A4%A7%E5%B8%AB%E7%9A%84%E7%9C%8B%E6%B3%95\" >\u6295\u8cc7\u5927\u5e2b\u7684\u770b\u6cd5<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/#%E5%A4%A7%E7%9B%A4%E7%9A%84%E5%AF%A6%E9%9A%9B%E8%A1%A8%E7%8F%BE\" >\u5927\u76e4\u7684\u5be6\u969b\u8868\u73fe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/#%E7%B5%90%E8%AB%96\" >\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%82%BA%E4%BD%95%E6%B2%92%E6%9C%89%E7%AD%94%E6%A1%88%EF%BC%9F\"><\/span>\u70ba\u4f55\u6c92\u6709\u7b54\u6848\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u70ba\u4f55\u6295\u8cc7\u4eba\u95dc\u5fc3\uff0c \u4f46\u59cb\u7d42\u672a\u88ab\u89e3\u7b54\uff1f<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u591a\u6578\u6295\u8cc7\u4eba\u90fd\u6c92\u6709\u6df1\u5165\u601d\u7d22\u904e\u9019\u500b\u6700\u57fa\u672c\u7684\u554f\u984c\u3002<\/li>\n\n\n\n<li>\u4e0d\u77e5\u5982\u4f55\u56de\u7b54\uff0c\u4e5f\u5c31\u662f\u6c92\u6709\u80fd\u529b\u63a2\u8a0e\u9019\u500b\u554f\u984c\u3002<\/li>\n\n\n\n<li>\u7121\u6cd5\u5408\u7406\u56de\u7b54\uff0c\u8981\u5982\u4f55\u5206\u6790\uff1f\u5982\u4f55\u63a8\u8ad6\u624d\u662f\u5408\u7406\u7684\uff1f<\/li>\n\n\n\n<li>\u61c9\u8a72\u7528\u4ec0\u9ebc\u6578\u5b57\u4f86\u8868\u793a\u7b54\u6848\u624d\u662f\u5c0d\u7684?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E5%9B%9E%E7%AD%94%E6%89%8D%E5%90%88%E7%90%86%EF%BC%9F\"><\/span>\u5982\u4f55\u56de\u7b54\u624d\u5408\u7406\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u8981\u7528\u5e7e\u500b\u89d2\u5ea6\u4f86\u5f97\u5230\u9019\u500b\u6578\u5b57\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53d7\u4e16\u4eba\u80af\u5b9a\u7684\u6295\u5e2b\u5927\u5e2b\u7684\u7d93\u9a57\u548c\u770b\u6cd5<\/li>\n\n\n\n<li>\u4e16\u754c\u5404\u570b\u80a1\u5e02\u9577\u671f\u5be6\u969b\u7684\u5831\u916c\u7387\u9019\u500b\u4e8b\u5be6<\/li>\n\n\n\n<li>\u83ef\u723e\u8857\u5c08\u696d\u4eba\u58eb\u7684\u5be6\u969b\u6295\u8cc7\u5831\u916c\u7387<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%91%E6%9B%B8%E4%B8%AD%E6%9C%89%E9%97%9C%E7%9A%84%E5%85%A7%E5%AE%B9\"><\/span>\u6211\u66f8\u4e2d\u6709\u95dc\u7684\u5167\u5bb9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u7684<a href=\"https:\/\/www.books.com.tw\/products\/0010889106?sloc=main\" target=\"_blank\" rel=\"noopener\">\u300a\u8d85\u7d1a\u6210\u9577\u80a1\u6295\u8cc7\u6cd5\u5247\u300b<\/a>\u4e00\u66f8\u4e2d\u7684\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1-2\u5c0f\u7bc0\u4e2d\u5217\u51fa\u80a1\u7968\u6703\u4e0a\u6f32\u7684\u4e09\u500b\u7406\u7531\uff0c1. \u4f01\u696d\u76c8\u9918\u7684\u6301\u7e8c\u6210\u9577\u30012. \u80a1\u5229\u7684\u6210\u9577\u30013. \u5e02\u5834\u4f30\u503c\u7684\u6539\u8b8a\u3002\u5176\u4e2d\u7684\u524d\u5169\u9805\u90fd\u662f\u9577\u671f\u53ef\u9810\u6e2c\u7684\u7406\u7531\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%8A%95%E8%B3%87%E5%A4%A7%E5%B8%AB%E7%9A%84%E7%9C%8B%E6%B3%95\"><\/span>\u6295\u8cc7\u5927\u5e2b\u7684\u770b\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8457\u6709\u300a\u6295\u8cc7\u7d42\u6975\u6230\u300b\u4e00\u66f8\u7684\u67e5\u723e\u65af\uff0e\u827e\u5229\u65af\uff08\u9019\u500b\u4eba\u662fETF\u548c\u8ca1\u52d9\u6295\u8cc7\u7522\u696d\u754c\u7684\u91cd\u91cf\u7d1a\u4eba\u58eb\uff0c\u60f3\u6295\u8cc7ETF\u7684\u6295\u8cc7\u4eba\u90fd\u61c9\u8a72\u770b\u9019\u672c\u66f8\uff09\u66fe\u82e6\u53e3\u5a46\u5fc3\u7684\u6307\u51fa\u6295\u8cc7\u4eba\u6703\u5931\u6557\u7684\u539f\u56e0\uff0c\u4e3b\u8981\u5c31\u662f\u60f3\u6253\u6557\u5927\u76e4\u3002\u67e5\u723e\u65af\uff0e\u827e\u5229\u65af\u5c31\u8aaa\u904e\u4e00\u53e5\u6295\u8cc7\u754c\u7684\u81f3\u7406\u540d\u8a00\u300c\u6295\u8cc7\u4eba\u6700\u5927\u7684\u932f\u8aa4\u5c31\u662f\u60f3\u6253\u6557\u5927\u76e4\uff0c\u6563\u6236\u6c38\u9060\u7121\u6cd5\u6253\u6557\u5927\u76e4\u3002\u300d\u554f\u984c\u662f\u591a\u6578\u7684\u6295\u8cc7\u4eba\u4e0d\u76f8\u4fe1\u9019\u53e5\u8a71\u3002\u4ed6\u4ee5\u5e7e\u5341\u5e74\u7684\u8c50\u5bcc\u6295\u8cc7\u7d93\u9a57\uff0c\u5f97\u5230\u4e00\u500b\u7d50\u8ad6\u300c \u5927\u591a\u6578\u6295\u8cc7\u8005\u4e26\u6c92\u6709\u8dd1\u8d0f\u5e02\u5834\uff1b\u662f\u5e02\u5834\u6253\u6557\u4ed6\u5011\u3002\u300d<\/p>\n\n\n\n<p>\u4f46\u4e8b\u5be6\u662f\u591a\u6578\u6295\u8cc7\u4eba\u90fd\u4e0d\u53ef\u80fd\u8d0f\u904e\u5927\u76e4\u3002\u53ea\u8981\u770b\u770b\u6700\u5c08\u696d\u7684\u80a1\u7968\u57fa\u91d1\u7684\u8868\u73fe\u5c31\u660e\u4e86\u4e00\u5207\uff0c\u8acb\u6ce8\u610f\uff0c\u638c\u7ba1\u80a1\u7968\u57fa\u91d1\u7684\u57fa\u91d1\u7d93\u7406\u4eba\u5df2\u7d93\u662f\u5c0d\u80a1\u7968\u6700\u4e86\u89e3\u7684\u6295\u8cc7\u4eba\u4e86\uff0c\u81f3\u65bc\u4e00\u822c\u7684\u6563\u6236\u7684\u6295\u8cc7\u5831\u916c\u7387\u6709\u591a\u5dee\uff0c \u90a3\u5c31\u53ef\u60f3\u800c\u77e5\u4e86\u3002<\/p>\n\n\n\n<p>\u7d04\u7ff0\uff0e\u67cf\u683c\u66fe\u8868\u793a\u904e\u80a1\u50f9\u9577\u671f\u800c\u8a00\u5408\u7406\u7684\u5e74\u5316\u5831\u916c\u61c9\u7387\u8a72\u662f7%\u5de6\u53f3\uff0c\u5176\u4e2d\u80a1\u5229\u7d04\u4f542%\uff0c\u76c8\u9918\u6210\u9577\u7d04\u4f545%\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A4%A7%E7%9B%A4%E7%9A%84%E5%AF%A6%E9%9A%9B%E8%A1%A8%E7%8F%BE\"><\/span>\u5927\u76e4\u7684\u5be6\u969b\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5c0d\u6bd4\u6a19\u666e500\u6307\u6578\u7684\u9577\u671f\u5e74\u5316\u5831\u916c\u7387\uff0c\u5305\u62ec\u80a1\u5229\uff0c\u4ee5\u53ca\u4e0d\u5305\u62ec\u80a1\u5229\u7684\u6a19\u666e500\u6307\u6578\u7684\u9577\u671f\u5e74\u5316\u5831\u916c\u7387\u548c\u7d04\u7ff0\uff0e\u67cf\u683c\u7684\u770b\u6cd5\u662f\u4e00\u81f4\u7684\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u6211\u7684\u6587\u7ae0\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/17\/%E5%85%A8%E7%90%83%E4%B8%BB%E8%A6%81%E8%82%A1%E5%B8%82%E9%81%8E%E5%8E%BB30%E5%B9%B4%E7%9A%84%E5%A0%B1%E9%85%AC%E8%A1%A8%E7%8F%BE%E4%B8%80%E8%A6%BD%E8%A1%A8\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u7403\u4e3b\u8981\u80a1\u5e02\u904e\u53bb30\u5e74\u7684\u5831\u916c\u8868\u73fe\u6bd4\u8f03\u4e00\u89bd\u8868<\/a>\u300b\u7684\u8abf\u67e5\u8868\uff0c\u5404\u4f4d\u6295\u8cc7\u4eba\u5f88\u5bb9\u6613\u5c31\u53ef\u4ee5\u5f97\u51fa\u5408\u7406\u7684\u5404\u570b\u80a1\u5e02\u9577\u671f\u7684\u5e74\u5316\u5831\u916c\u7387\u4e86\u3002<\/p>\n\n\n\n<p>\u5229\u7528\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/11\/%e6%a8%99%e6%99%ae500%e6%8c%87%e6%95%b8%e5%b9%b4%e5%8c%96%e5%a0%b1%e9%85%ac%e7%8e%87%e6%9f%a5%e8%a9%a2%e5%99%a8\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6a19\u666e500\u6307\u6578\u5e74\u5316\u5831\u916c\u7387\u67e5\u8a62\u5668<\/a>\u300b\u9019\u500b\u6211\u63d0\u4f9b\u7684\u514d\u8cbb\u7dda\u4e0a\u6295\u8cc7\u5de5\u5177\uff0c\u60a8\u53ef\u4ee5\u5f88\u5bb9\u6613\u67e5\u5230\uff1a\u5f9e1970\u5e74\u81f32024\u5e74\uff0c\u5171\u8a0855\u5e74\u7684\u6a19\u6e96\u666e\u723e\uff08S&amp;P 500\uff09\u6307\u6578\uff0c\u4e0d\u5305\u62ec\u80a1\u5229\u7684\u5e74\u5316\u5831\u916c\u7387\uff08IRR\uff09\u70ba 7.85%\uff0c\u5305\u62ec\u80a1\u5229\u7684\u5e74\u5316\u5831\u916c\u7387\u70ba 10.95%\u3002<\/p>\n\n\n\n<p>\u4e5f\u53ef\u4ee5\u5229\u7528\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/15\/%e5%8f%b0%e7%81%a3%e6%8c%87%e6%95%b8%e5%b9%b4%e5%8c%96%e5%a0%b1%e9%85%ac%e7%8e%87%e6%9f%a5%e8%a9%a2%e5%99%a8\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u53f0\u7063\u6307\u6578\uff0c\u53f0\u80a1\u5e74\u5316\u5831\u916c\u7387\u67e5\u8a62\u5668<\/a>\u300b\u9019\u500b\u6211\u63d0\u4f9b\u7684\u514d\u8cbb\u7dda\u4e0a\u6295\u8cc7\u5de5\u5177\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5f88\u5bb9\u6613\u67e5\u5230\uff1a\u5f9e1987\u5e74\u81f32024\u5e74\uff0c\u5171\u8a0838\u5e74\u7684\u53f0\u7063\u52a0\u6b0a\uff08Taiwan Stock Exchange\uff09\u6307\u6578\uff0c\u4e0d\u5305\u62ec\u80a1\u5229\u7684\u5e74\u5316\u5831\u916c\u7387\uff08IRR\uff09\u70ba 8.44%\u3002<\/p>\n\n\n\n<p>\u6211\u76f8\u4fe1\u524d\u4e00\u5c0f\u6bb5\u6211\u6240\u5f15\u7528\u7684\u7d04\u7ff0\uff0e\u67cf\u683c\u7684\u4e3b\u5f35\u6578\u5b577\uff05\uff0c\u662f\u6839\u64da\u4ee3\u8868\u7f8e\u80a1\u5927\u76e4\u7684\u6a19\u6e96\u666e\u723e\uff08S\uff06P 500\uff09\u6307\u6578\u7684\u9577\u671f\u5e74\u5316\u5831\u916c\u7387\u800c\u4f86\u7684\uff0c\u800c\u4e0d\u662f\u80e1\u4e82\u731c\u6e2c\u5f97\u4f86\u7684\u6578\u5b57\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B5%90%E8%AB%96\"><\/span>\u7d50\u8ad6<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u591a\u6578\u6295\u8cc7\u4eba\u4ecd\u76f8\u4fe1\u80a1\u5e02\u662f\u5feb\u901f\u81f4\u5bcc\u7684\u5834\u6240\uff0c\u4e0d\u9858\u76f8\u4fe1\u4e8b\u5be6\uff0c\u5be7\u9858\u76f8\u4fe1\u5a92\u9ad4\uff0c\u76f8\u4fe1\u6240\u8b02\u7684\u8ca1\u7d93\u5c08\u696d\u4eba\u58eb\uff0c\u628a\u9322\u4ea4\u7d66\u83ef\u723e\u8857\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u7121\u6cd5\u63a5\u53d7\u7d04\u7ff0\uff0e\u67cf\u683c\u7684\u4e3b\u5f35\u6578\u5b577\uff05\uff0c\u4e5f\u4e0d\u76f8\u4fe1\u6b77\u53f2\u548c\u4e8b\u5be6\uff0c\u5949\u52f8\u4f60\u9060\u96e2\u80a1\u5e02\u3002<\/p>\n\n\n\n<p>\u6295\u5165\u80a1\u5e02\u524d\uff0c\u8acb\u60f3\u60f3\u67e5\u723e\u65af\uff0e\u827e\u5229\u65af\u7684\u540d\u8a00\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"154\" height=\"88\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2023\/11\/roi-1600x1200-1.jpg\" alt=\"\u80a1\u7968\u5831\u916c\u7387\" class=\"wp-image-41714\"\/><figcaption class=\"wp-element-caption\">credit: smartasset.com<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/\"><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2026\/01\/09\/%e8%82%a1%e7%a5%a8%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a4%9a%e5%b0%91%e6%89%8d%e5%90%88%e7%90%86%ef%bc%9f\/\">\u80a1\u7968\u5831\u916c\u7387\u591a\u5c11\u624d\u5408\u7406\uff1f<\/a><\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/07\/10\/%e5%a6%82%e4%bd%95%e6%aa%a2%e8%a6%96%e4%b8%80%e5%80%8b%e6%88%90%e5%8a%9f%e7%9a%84%e8%82%a1%e5%b8%82%e6%8a%95%e8%b3%87%e4%ba%ba%e6%88%90%e5%8a%9f%e8%83%bd%e5%90%a6%e6%8c%81%e7%ba%8c%ef%bc%9f\/\">\u6295\u8cc7\u4eba\u6210\u529f\u80fd\u5426\u6301\u7e8c\u5982\u4f55\u6aa2\u8996\uff1f3\u9805\u6aa2\u8996\u7684\u6a19\u6e96<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/01\/25\/%e6%8a%95%e8%b3%87%e5%a0%b1%e9%85%ac%e7%8e%87%e5%a5%bd%e4%b8%8d%e5%a5%bd%e7%9a%84%e6%aa%a2%e6%9f%a5%e6%b8%85%e5%96%ae\/\">\u6295\u8cc7\u5831\u916c\u7387\u597d\u4e0d\u597d\u7684\u6aa2\u67e5\u6e05\u55ae<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/02\/20\/%e7%b5%b1%e8%a8%88%e7%b5%90%e6%9e%9c%e6%9c%83%e9%a8%99%e4%ba%ba\/\">\u7d71\u8a08\u7d50\u679c\u6703\u9a19\u4eba<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/04\/%E5%A4%A7%E9%83%A8%E4%BB%BD%E6%8A%95%E8%B3%87%E4%BA%BA%E6%87%89%E8%AE%93%E8%B2%B7%E5%A4%A7%E7%9B%A4etf\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5927\u90e8\u4efd\u7684\u6295\u8cc7\u4eba\u61c9\u8a72\u6295\u8cc7\u5927\u76e4ETF<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/17\/%E5%85%A8%E7%90%83%E4%B8%BB%E8%A6%81%E8%82%A1%E5%B8%82%E9%81%8E%E5%8E%BB30%E5%B9%B4%E7%9A%84%E5%A0%B1%E9%85%AC%E8%A1%A8%E7%8F%BE%E4%B8%80%E8%A6%BD%E8%A1%A8\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u7403\u4e3b\u8981\u80a1\u5e02\u904e\u53bb30\u5e74\u7684\u5831\u916c\u8868\u73fe\u6bd4\u8f03\u4e00\u89bd\u8868<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/01\/06\/%E6%9C%89%E4%BB%BB%E4%BD%95%E8%B2%B7%E8%82%A1%E7%A5%A8%E5%9F%BA%E9%87%91%E7%9A%84%E7%90%86%E7%94%B1%E5%97%8E%EF%BC%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6709\u4efb\u4f55\u8cb7\u80a1\u7968\u57fa\u91d1\u7684\u7406\u7531\u55ce\uff1f1\u500b\u90fd\u627e\u4e0d\u5230<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/03\/10\/%e8%82%a1%e7%a5%a8%e5%9f%ba%e9%87%91%e8%a1%a8%e7%8f%be%e7%82%ba%e4%bd%95%e5%a5%87%e5%b7%ae%e7%84%a1%e6%af%94%ef%bc%9f%e6%9c%89%e5%a4%9a%e5%b7%ae%e5%91%a2%ef%bc%9f\/\">\u80a1\u7968\u57fa\u91d1\u8868\u73fe\u70ba\u4f55\u5947\u5dee\u7121\u6bd4\uff1f\u6709\u591a\u5dee\u5462\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/07\/25\/%e5%94%af%e4%b8%80%e5%80%bc%e5%be%97%e6%b0%b8%e4%b9%85%e6%8c%81%e6%9c%89%e7%9a%84%e8%82%a1%e7%a5%a8\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6a19\u666e500\u6307\u6578\uff0c\u552f\u4e00\u503c\u5f97\u6c38\u4e45\u6301\u6709\u7684\u80a1\u7968<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/08\/31\/%e5%b9%b4%e5%8c%96%e6%8a%95%e8%b3%87%e5%a0%b1%e9%85%ac%e7%8e%87%e8%a8%88%e7%ae%97%e5%99%a8\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5e74\u5316\u6295\u8cc7\u5831\u916c\u7387\uff08IRR\uff09\u8a08\u7b97\u5668<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/behind-the-scenes\/homework\/%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97%e6%8a%95%e8%b3%87%e5%a0%b1%e9%85%ac%e7%8e%87%ef%bc%9f\/\">\u300a\u6295\u8cc7\u4eba\u61c9\u91cd\u8996\u7684\u662f\u5e74\u5316\u5831\u916c\u7387\u300b<\/a><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/10\/16\/%E8%82%A1%E7%A5%A8%E6%98%AF%E9%95%B7%E6%9C%9F%E6%8A%95%E8%B3%87%E4%BA%BA%E6%9C%80%E5%A5%BD%E7%9A%84%E9%81%B8%E6%93%87\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u80a1\u7968\u662f\u9577\u671f\u6295\u8cc7\u4eba\u6700\u597d\u7684\u9078\u64c7<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/06\/21\/%e7%82%ba%e4%bd%95%e9%9c%80%e8%a6%81%e9%80%b2%e8%a1%8c%e9%95%b7%e6%9c%9f%e6%8a%95%e8%b3%87%ef%bc%9f\/\">\u70ba\u4f55\u9700\u8981\u9032\u884c\u9577\u671f\u6295\u8cc7\uff1f<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p id=\"block-b602cc2b-45ae-45c0-a24c-5bec9bc06f95\"><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>\u672c\u7ad9\u5167\u5bb9\u70ba\u4f5c\u8005\u500b\u4eba\u610f\u898b\uff0c\u50c5\u4f9b\u53c3\u8003\uff0c\u672c\u4eba\u4e0d\u5c0d\u6587\u7ae0\u5167\u5bb9\u3001\u8cc7\u6599\u4e4b\u6b63\u78ba\u6027\u3001\u770b\u6cd5\u3001\u8207\u5373\u6642\u6027\u8ca0\u4efb\u4f55\u8cac\u4efb\uff0c\u8b80\u8005\u8acb\u52d9\u5fc5\u81ea\u884c\u5224\u65b7\u3002<\/em><\/li>\n\n\n\n<li><em>\u5c0d\u65bc\u8b80\u8005\u76f4\u63a5\u6216\u9593\u63a5\u4f9d\u8cf4\u4e26\u53c3\u8003\u672c\u7ad9\u8cc7\u8a0a\u5f8c\uff0c\u63a1\u53d6\u4efb\u4f55\u6295\u8cc7\u884c\u70ba\u6240\u5c0e\u81f4\u4e4b\u76f4\u63a5\u6216\u9593\u63a5\u640d\u5931\uff0c\u6216\u56e0\u6b64\u7522\u751f\u4e4b\u4e00\u5207\u8cac\u4efb\uff0c\u672c\u4eba\u5747\u4e0d\u8ca0\u4efb\u4f55\u640d\u5bb3\u8ce0\u511f\u53ca\u5176\u4ed6\u6cd5\u5f8b\u4e0a\u4e4b\u8cac\u4efb\u3002<\/em><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u80a1\u7968\u5831\u916c\u7387\u591a\u5c11\u624d\u5408\u7406\uff1f\u4eca\u5929\u9019\u7bc7\u8981\u8ac7\u7684\u662f\u6240\u6709\u6295\u8cc7\u4eba\u90fd\u95dc\u5fc3\u7684\u6700\u91cd\u8981\u7684\u9019\u500b\u554f\u984c\u3002<\/p>\n","protected":false},"author":1,"featured_media":41714,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1574,179,158,834,702,30],"tags":[],"class_list":["post-41713","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment-return","category-market-index","category-concept","category-charles-ellis","category-john-bogle","category-long-term-investing"],"_links":{"self":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/41713","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/comments?post=41713"}],"version-history":[{"count":2,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/41713\/revisions"}],"predecessor-version":[{"id":76792,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/41713\/revisions\/76792"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/media\/41714"}],"wp:attachment":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/media?parent=41713"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/categories?post=41713"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/tags?post=41713"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}