tag:blogger.com,1999:blog-14418991027503762132024-03-14T07:50:09.775-07:00理財+1課理財規劃找家醫
彩色人生會+1
理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.comBlogger173125tag:blogger.com,1999:blog-1441899102750376213.post-25128884138064192202022-12-17T03:30:00.003-08:002022-12-28T22:51:46.401-08:00讀《當代財經大師的守錢致富課》<p><span face=""Microsoft JhengHei Light", sans-serif" style="color: #333333; font-size: large;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEha83P1jpPTFSmjFf_4y7WbxkeeaQhsS3_nSSPy5qzhHgMMJags9UGIY5VNV_QyTm29peDcRXvxAvdx_v1d9y4GJYgYxY1pykM7R_VLxI8iJdPAfRpOaCpHxLkCVwxaTmIUeHZVVygWqRyjd2xKQazqKxs5REttkKVv32MJghHTtONO-g-OYFj1Ch-A" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="268" data-original-width="188" height="240" src="https://blogger.googleusercontent.com/img/a/AVvXsEha83P1jpPTFSmjFf_4y7WbxkeeaQhsS3_nSSPy5qzhHgMMJags9UGIY5VNV_QyTm29peDcRXvxAvdx_v1d9y4GJYgYxY1pykM7R_VLxI8iJdPAfRpOaCpHxLkCVwxaTmIUeHZVVygWqRyjd2xKQazqKxs5REttkKVv32MJghHTtONO-g-OYFj1Ch-A" width="168" /></a></div><br /><p></p><p><span face=""Microsoft JhengHei Light", sans-serif" style="color: #333333; font-size: large;">作者<span lang="EN-US">/</span></span><span face=""Microsoft JhengHei Light", sans-serif" style="font-size: large;">音頻<span style="color: #333333; mso-font-kerning: 0pt;">:</span>駱潤生<span lang="EN-US">(Lawrence)CFP</span></span><span lang="EN-US" style="font-size: large;">®</span></p><p>
</p><p class="MsoNormal"><span style="font-size: medium;"><span face=""Microsoft JhengHei Light", sans-serif" style="color: #333333;">音樂:</span><span face=""Microsoft JhengHei Light", sans-serif">嵐音社<span lang="EN-US">/</span>金成</span><span face=""Microsoft JhengHei Light", sans-serif" lang="EN-US" style="color: #333333;">Charry Lo</span><span face=""Microsoft JhengHei Light", sans-serif" lang="EN-US"><o:p></o:p></span></span></p><p><span style="font-size: medium;">剛拿到這本樂金文化出版的傑森.茲威格的《當代財經大師的守錢致富課》,這是一本新版的舊書,還沒讀時,先入為主覺得讀起來應該會有很多的老調重談,跟過時觀念。</span></p><p><span style="font-size: medium;">但是一看就欲罷不能,一口氣把他讀完了,並且急著分享給剛教授投資觀念課程的學生。</span></p><p><span style="font-size: medium;">因為我知道,在現在一切求快的這一代,不太有耐心看大堆頭的書,而這本little book,言簡意賅,淺白易讀,我讀時心中不斷驗證這十幾年的學習跟市場經驗,深覺這22堂小單元,真是投資人趨吉避凶的護身符、吉祥物!</span></p><p><span style="font-size: medium;">投資的過程有很多的敵人,包括市場、騙子,甚至是你自己。誠如財經大師威廉.伯恩斯坦指出,成功投資人必需有幾種素養,你要了解投資原理、市場規律;你要洞悉金融機構、投資顧問;你要知道金融投機史及投資行為、投資者心理,才會是一個成功的投資人。</span></p><p><span style="font-size: medium;">耶魯大學校務基金操盤手查爾斯.艾利斯在《投資終極戰》一書提到,網球比賽中,業餘選手因為技巧沒有職業選手好,所以最好的策略就是少犯錯,發球與回球都盡量要確保不要出界,而等待對手犯錯來得分。</span></p><p><span style="font-size: medium;">投資對於投資人來說就是一場「輸家的遊戲」,投資人若能少犯錯,就能贏得大部份專業投資經理人都難以戰勝的市場報酬。</span></p><p><span style="font-size: medium;">所以減少犯錯是投資成功的王道,成功的防守,才有機會做出完美的攻擊。防守才是最好的攻擊。</span></p><p><span style="font-size: medium;">而投資成功的關鍵很簡單,多樣性+低成本+買進持有,但是過程中常如希臘神話中的尤里西斯,常會遭受海妖天籟歌聲的誘惑而可能功虧一簣。</span></p><p><span style="font-size: medium;">所以唯有透過閱讀經典,及市場實作,逐步建立起自己的投資哲學,才能在「穩」中求勝。</span></p><p><span style="font-size: medium;">而這本小書絕對是經典之一。</span></p><p><span style="font-size: medium;">看完以上書摘,若對本書有興趣的話,歡迎至我與博客來合作的購書連結購買,謝謝!</span></p><p><span style="font-size: medium;"><a href="https://www.books.com.tw/exep/assp.php/camel40tw/products/0010901775?sloc=ms2_6&utm_source=camel40tw&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-202212">https://www.books.com.tw/exep/assp.php/camel40tw/products/0010901775?sloc=ms2_6&utm_source=camel40tw&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-202212</a></span></p><p><span style="font-size: medium;"><span style="font-size: small;">駱潤生(Lawrence Lo),法律背景的財金碩士,國際認證高級理財規劃顧問(CFP®),臺灣理財規劃產業發展促進會(TFPA)商業模式召集委員,保險本舖諮詢顧問。致力推廣正確理財觀念,並提供理財、保險、退休金、租稅及財產轉移、信託等相關規劃服務。</span></span></p>理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-57034175477908300512022-11-23T23:11:00.004-08:002022-12-28T22:52:30.369-08:00【繼承傳承】限定繼承的負債風險<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5Wm8uWawFr9gjwBiq-S-pyMonqT684fGCfL6V57Z_PbB1d-PFyfvx8Ppen5bDScRNOY9pA9jvI1OVI_EuOhyTbkxbq125qiwshZmS73VVeAHQnpZSkT_SglYW5lx13Qix7eyfrv_gBGzyofCfrEWHxloJ5SkrEU9hUBBCl9azkLyV9GwHKXkX9W4i/s6192/81806.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4128" data-original-width="6192" height="427" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5Wm8uWawFr9gjwBiq-S-pyMonqT684fGCfL6V57Z_PbB1d-PFyfvx8Ppen5bDScRNOY9pA9jvI1OVI_EuOhyTbkxbq125qiwshZmS73VVeAHQnpZSkT_SglYW5lx13Qix7eyfrv_gBGzyofCfrEWHxloJ5SkrEU9hUBBCl9azkLyV9GwHKXkX9W4i/w640-h427/81806.jpg" width="640" /></a></div> 圖片:xframe<br /><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span><p></p><p><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">作者</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">/</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">音頻:駱潤生</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">(Lawrence)CFP®</span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: Mangal;">音樂:<span lang="EN-US">Charry Lo<o:p></o:p></span></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">媒體報導,藝人艾成離世後,因生前欠債</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">500</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬,妻子依法採「限定繼承」。這則新聞讓筆者想到好友多年前因為父親的保證債務,因為沒有在期限內聲請限定繼承及拋棄繼承,而導致目前仍為「父債」所苦。</span></span></p>
<p class="p2"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">在舊法制度下,如果繼承人不清楚繼承人的資產、債務有多少,又擔心被債務波及,除了拋棄繼承以外,另一選擇就是在</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">3</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">個月內向法院聲請「限定繼承」,以所得遺產為限,對於被繼承人之債務負清償責任。</span></span></p>
<p class="p2"><span style="font-size: 14pt;">但因民眾常因不熟悉法令,沒有及時聲請「限定繼承」或「拋棄繼承」,導致許多「父債子償」的案例產生。</span></p>
<p class="p2"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">雖然民國</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">98</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">年修法以後,繼承制度全面預設為法定的「限定繼承」,不需要特別向法院聲請即可適用。</span></span></p>
<p class="p2"><span style="font-size: 14pt;">但很多人認為既然法定限定繼承既然是以繼承的遺產為限來還債,就一定不會繼承到負債,就不需理會?</span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">重點在於是否如實陳報遺產清冊。陳報遺產清冊目的是讓被繼承人的債權人報明債權,才能正確清算遺產扣除債務後還有多少剩餘,以利比例清償。<span lang="EN-US"><o:p></o:p></span></span></span></p>
<p class="p1"><span class="s5"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">舉例</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">說明</span></span></p>
<p class="p1"><span class="s5"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;"><b>有陳報遺產清冊:</b></span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">被繼承人留有遺產</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">1200</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬元,債權人</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">各有</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">500</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬元債權,繼承人不知有這些債務。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><br />
</span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">假設僅有</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">逾期未陳報債權。此時</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">可全額受償各</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">500</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬元,共<span lang="EN-US">1000</span>萬元的債務。而</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">日後只能就清償</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">後剩餘的</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">200</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬遺產來作請求。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><br />
</span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">若</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">3</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">位債權人都如期報明。則每位債權人均可以按比例受償分配到</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">400</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬元。</span></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;"><b>沒有陳報遺產清冊:</b></span></span><b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></b></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">被繼承人留有遺產</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">1200</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬元,債權人</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">各有債權</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">500</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬元,繼承人不知有這些債務。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><br />
</span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">假設被繼承人未陳報遺產清冊,但</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">搶先聯繫上繼承人請求清償,繼承人便全額清償了</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">各<span lang="EN-US">500</span>萬元,共<span lang="EN-US">1000</span>萬元的債務。之後</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">才跳出主張債權,但此時遺產只剩下</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">200</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">萬,不足完全清償</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">的債務,這時繼承人需要自掏腰包<span lang="EN-US">200</span>萬,償還原來按比例<span lang="EN-US">C</span>應受償的<span lang="EN-US">400</span>萬元。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p2"><span style="font-size: 14pt;">因實務上負債部分,雖然可至財團法人金融聯合徵信中心查詢,但若是一般民間借貸或擔任保證人,被繼承人如果沒有交代清楚,其家人多不知情。因繼承人不易清查徹底,而常導致各債務人受償不平均,繼承人可能需要用到私人財產來墊償。</span></p>
<p class="p2"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">由此可知做好陳報遺產清冊,未來如果發現債務大於資產,才可以確保第</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">1148</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">條限定繼承的權利。</span></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">而陳報財產清冊後,法院會要求公示催告,通常是採『登報』處理,公告讓債權人得知被繼承人過世,以利債權人盡快報明債權,讓遺產清償可以順利進行。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p2"><span class="s5"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">另外要注意別心存僥倖而</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">違反民法第</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">1163</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">條規定</span></span><span class="s5"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">,若有</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">隱匿遺產、在遺產清冊為虛偽之記載、意圖詐害被繼承人債權人之權利,則不受第</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">1148</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">條限定繼承規定的保護,需要用繼承人自己的財產來清償債務了。</span></span></p>
<p class="p2"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size: x-small;">駱潤生(Lawrence Lo),法律背景的財金碩士,國際認證高級理財規劃顧問(CFP®),臺灣理財規劃產業發展促進會(TFPA)商業模式召集委員,保險本舖諮詢顧問。致力推廣正確理財觀念,並提供理財、保險、退休金、租稅及財產轉移、信託等相關規劃服務。</span></p>理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-18803876239237509922022-11-23T23:10:00.002-08:002022-12-28T22:52:40.463-08:00【保險理財】美元保單的舊愛新歡~解約舊保單,改買新商品好嗎?<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDv5_s9WZPoaHfw0HV6WpemvL44D7Oq4Zrx9n2FqzPEefRdbthfpud49prHtg3Hlu-cKLSm3OFOOuCORwAg_Wo3BgyqNT62GTQyEPPJ4AOM7x7cVEeAoobpdIZBoUd_QgY6KcgASwYazVhAwVUSVCGjkopwNuCcx6WxosZzKC6FZwqo0IY7Z5kqHeH/s4012/10B5FA27-EADB-4755-8B44-8BD4C426524B.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2062" data-original-width="4012" height="328" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDv5_s9WZPoaHfw0HV6WpemvL44D7Oq4Zrx9n2FqzPEefRdbthfpud49prHtg3Hlu-cKLSm3OFOOuCORwAg_Wo3BgyqNT62GTQyEPPJ4AOM7x7cVEeAoobpdIZBoUd_QgY6KcgASwYazVhAwVUSVCGjkopwNuCcx6WxosZzKC6FZwqo0IY7Z5kqHeH/w640-h328/10B5FA27-EADB-4755-8B44-8BD4C426524B.jpg" width="640" /></a></div><br /><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span><p></p><p><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">作者</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">/</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">音頻:駱潤生</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">(Lawrence)CFP®</span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: Mangal;">音樂:<span lang="EN-US">Charry Lo</span></span></p><p class="MsoNormal"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"> </span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">為了抵抗高通膨,美國聯準會</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">(FED)</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">已連續三次決議升息三碼、並將聯邦基金利率目標升至</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">3%</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">到</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">3.25%</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">。根據</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">FED</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">的預測,</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">11</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">月、</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">12</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">月很可能各升息三碼、兩碼,</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">2023</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">年再升息一碼。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">持續的升息,資金流向美元,導致股債雙跌,儲蓄性質的商品如美元定存,美元利變保單則利率看漲。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p2"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">在此環境背景之下,最近有很多朋友開始想將之前購買的美元儲蓄保單解約,改存入利息較高的美元定存,或是將資金預備來逢低佈局股債商品,或是乾脆重新買一張宣告利率較高的美元保單。</span></p>
<p class="p2"><br /></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">這邊提出一些建議參考。</span></span></p>
<p class="p1"><b><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">1.</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">解約舊的美元儲蓄保單改存利息較高的美元定存好嗎?</span></span></b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">如果現在解約舊的儲蓄險改放在美金定存,雖然現在定存的利率看漲,但無法確定是否長期如此,而保單的長期利率相對較穩定,定存則短期較容易受市場利率影響。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">而且已經期滿的儲蓄險的流動性佳,可以隨時去保險公司解約或保單借款取得現金,所以也可以當作緊急預備金的一部分。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">另外如果改放在美元的定存,是否有更好的運用也是需考慮的。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="p1"><b><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">2.</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">解約舊的美元儲蓄保單改投資股市債市好嗎?</span></span></b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">近期全球股債市因升息循環、通膨升溫、經濟衰退疑慮及地緣政治風險而持續走跌,價格相對便宜,投資人也開始躍躍欲試準備逢低進場佈局,而部份資金來源會想透過解約保單來取得。</span></span></p><p class="p1"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">目前美國公債或者是高評等公司債或股票,目前殖利率期望值雖然相對較高,但是價格的波動風險及單一公司的信用風險也是考量點,自己是否有足夠的認知可以承受投資的風險,畢竟投資要安穩睡得著也很重要。</span></p>
<p class="p2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="p1"><b><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">3.</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">解約舊的美元儲蓄保單改投資新的美元利變保單好嗎?</span></span></b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">過去各家業者常需透過發「新」單換「舊」單,來維持保費收入及規模的成長。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">保險局</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">2020</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">年</span></span><span class="s2"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">7</span></span><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">月祭出「宣告利率平穩機制」,要求壽險公司賣利變型保單時,宣告利率必須貼近實際債市利率,且要確保保單不虧錢賣,壽險公司不能用高宣告利率來搶客。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">近期保險局官員也提及,只要停售和現售的利變保單,是在同一個區隔資產帳戶內,理論上投報率是一致的、得到的宣告利率應該是一樣的。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">如此一來市場較不會惡性競爭,也讓利變保單回歸為一個更為穩健的配置工具。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">所以也不需要去搶換新單,因為儲蓄險通常在期滿之後才會開始有複利的效果,所以如果為此再買一張新的保單,則要重新開始累積了。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p2"><br /></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">所以還是要回歸當初購買這張保單的目的。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p2"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">如果是短期要運用的資金或做為緊急預備金,則舊有的保單可以提供不錯穩定性及流動性。</span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">如果是長期的佈局,或者是退休金準備,則是要看整體資金的配置來決定標的的選擇。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="p1"><span class="s1"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">又或是當初規劃時有其他目的性功能,如要作為預留遺產稅來源,或者是指定受益人分配現金等,不要因為一時的市場變動而輕易的改變原來的規劃。</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal"></p><p class="MsoNormal"><span face="微軟正黑體, sans-serif" style="color: #222222;"><span style="font-size: 13.3333px;">駱潤生(Lawrence Lo),法律背景的財金碩士,國際認證高級理財規劃顧問(CFP®),</span></span></p><p></p><p class="MsoNormal"><span face="微軟正黑體, sans-serif" style="color: #222222;"><span style="font-size: 13.3333px;">臺灣理財規劃產業發展促進會(TFPA)商業模式召集委員,保險本舖諮詢顧問。</span></span></p><p class="MsoNormal"><span face="微軟正黑體, sans-serif" style="color: #222222;"><span style="font-size: 13.3333px;">致力推廣正確理財觀念,並提供理財、保險、退休金、租稅及財產轉移、信託等相關規劃服務。</span></span></p>理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-83780573923546119202022-11-23T21:01:00.004-08:002022-12-28T22:51:34.326-08:00【閱讀時光】老富豪財富自由的秘密<div><br /></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj1rHO8Kl4qsNFWVejF33qoHcivObEycDvrg3gQX_86Ujm_fWnxK_N5AvuefIEiPJlegSk9_gHeiLQkOGkxdUKZBo9CsdNZXOfGcdcLXiNH2uJNauOPllIr7dO2VtDh9FgOBSPzIEqVflz4gEbFDAN2O4nGE1WDXqexQZKHb5baTNMWO0TAs-Hqx1QF" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="4032" data-original-width="3024" height="240" src="https://blogger.googleusercontent.com/img/a/AVvXsEj1rHO8Kl4qsNFWVejF33qoHcivObEycDvrg3gQX_86Ujm_fWnxK_N5AvuefIEiPJlegSk9_gHeiLQkOGkxdUKZBo9CsdNZXOfGcdcLXiNH2uJNauOPllIr7dO2VtDh9FgOBSPzIEqVflz4gEbFDAN2O4nGE1WDXqexQZKHb5baTNMWO0TAs-Hqx1QF" width="180" /></a></div><br /><br /></div>作者:駱潤生(Lawrence)CFP® <div><br /></div><div>本書作者威爾斯.威爾德是奠基市場指標的技術分析大師,他在專業領域上,累積了大量的財富與名譽,但他心裡卻始終有個遺憾,這份遺憾就是,未能更早學會理財!於是催生了這本簡單易讀但充滿理財智慧的著作,分享給世人。</div><div><div><br /></div><div>作者幼時歷經了財務緊繃、收支不平衡的家庭環境,直到他接觸到「先付錢給自己」的理財觀念,人生開始有了重大的轉變。 老富豪的秘密或許不是秘密,其道理簡單但知易行難。</div><div><br /></div><div>他點出了三個獲取財富的秘密,積聚(Accumulate),增加(Increase),保護(Protect)。 </div><div><div><br /></div><div>關於積聚,首先要學會「付錢給自己」的「儲蓄」開始。人類都有積攢的天性,為的就是以應不時之需,若無秋收冬藏,巧婦也難為無米之炊。但現代社會消費者常常容易被炫目的商業手法吸引目光而過度的消費,甚至使用信用卡向「未來的自己」借錢「賒購」。我們「理財+1課」在協助學員財務諮詢的過程中發現,就算是高所得的人,通常開銷也非常大,不見得會伴隨相應的儲蓄,常常也會面臨財務上捉襟見肘的窘境。 </div><div>所以必要、想要、需要、重要的消費價值觀必須建立。這也就是為什麼在理財規劃中的「收支管理」,我認為是影響整個財務是否健全非常重要的環節。 </div><div><br /></div><div>在財富增加上面,書中提到了複利的效應,我覺得複利效應除了應用在金融商品報酬的積累上,也反映在自身是否養成良好的小習慣,以及是否每日精進,每天進步0.01
,一年將會有37倍的差距。</div><div>書中談到關於房地產投資的成功經驗,這個部分相對必須要有較高的專業度,他也提及了委由專家的必要跟好處。而我認為一般投資人大致上比較容易接觸到的金融工具,如股票或基金,在這個方面會建議採用全球型、市值型的ETF,並且定期定額的長期投入,透過人類的經濟增長來讓自己的財富長大。 </div><div>關於創業,作者也建議要累積該領域的專業經驗,而不要貿然地超過自己的能力圈之外。 </div><div><br /></div><div>財富保護方面,不要過度的投機,並且要了解一些金融詐騙的歷史,才能夠持盈保泰。 </div><div>另外分散投資,雞蛋不要放在同一個籃子裡,也是投資成功不可或缺的因素。
為此他也建立了多元的資產配置,包括黃金以及海外的部位等。 </div><div><br /></div><div>最後要知道自己是自己最大的敵人,巴菲特曾經說過,「沒有人願意慢慢變富」,所以「耐心」絕對是重要的。 </div><div><br /></div><div>關於年輕人,他有一個很好的提醒,就是「時間」是年輕人最大的財富,而財富能給予人生更多的選擇權。 </div><div><br /></div><div>這本書用實際的情境故事來引導理財成功的秘訣。非常易讀但且充滿智慧,很適合青少年朋友閱讀、建立正確的財富價值觀。</div><div> </div><div>看完以上書摘,若對本書有興趣的話,歡迎至我與博客來合作的購書連結購買,謝謝!</div><div><a href="https://www.books.com.tw/exep/assp.php/camel40tw/products/0010937168?utm_source=camel40tw&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-202212">https://www.books.com.tw/exep/assp.php/camel40tw/products/0010937168?utm_source=camel40tw&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-202212</a></div><div><br /></div><div><span style="font-size: xx-small;">駱潤生(Lawrence
Lo),法律背景的財金碩士,國際認證高級理財規劃顧問(CFP®),臺灣理財規劃產業發展促進會(TFPA)商業模式召集委員,保險本舖諮詢顧問。致力推廣正確理財觀念,並提供理財、保險、退休金、租稅及財產轉移、信託等相關規劃服務。
</span></div></div></div>理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-486695538060992272021-09-07T02:06:00.005-07:002022-12-28T22:52:07.942-08:00 50+(中壯族群)如何規劃保險<p> </p><p align="center" class="MsoNormal" style="text-align: center;"><b></b></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAccXYZfFFPZo5WyshwGfXyGHKmOT5qlU7zBD2Dc_ErY9UhW0NxI648bK7PYDUbWVoX6OZBaCK5HQS_ev1G-PqbJ0IMLiLVG7x2H6LUXRgcUjKxZ7mqYXBKgw6a-mW1Pw84GrHSaPN5HQ/s2048/krakenimages-5HsCIUSeq7Q-unsplash+%25281%2529.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1365" data-original-width="2048" height="427" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAccXYZfFFPZo5WyshwGfXyGHKmOT5qlU7zBD2Dc_ErY9UhW0NxI648bK7PYDUbWVoX6OZBaCK5HQS_ev1G-PqbJ0IMLiLVG7x2H6LUXRgcUjKxZ7mqYXBKgw6a-mW1Pw84GrHSaPN5HQ/w640-h427/krakenimages-5HsCIUSeq7Q-unsplash+%25281%2529.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><br /></td></tr></tbody></table><div class="separator" style="clear: both; text-align: center;"><b></b></div><b><br /></b><p></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif">圖片</span><span>:</span><span>Photo by </span><a href="https://unsplash.com/@krakenimages?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">krakenimages</a><span> </span><span>on</span><span> </span><a href="https://unsplash.com/s/photos/middle-age?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a><span> </span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">作者:</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">駱潤生<span lang="EN-US">CFP</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: Cambria;">®</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">國際認證高級理財規劃顧問,</span><span style="font-size: 18.6667px;">「保險本舖」顧問</span></p>
<p class="MsoNormal"><br /></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">前陣子參加同學會,好久不見的同學,笑談當年往事,聊家庭聊工作,當然話題也離不開健康及退休,<span lang="EN-US">50</span>歲的年齡說大不大說小不小,也開始面臨了一些人生的難。有的人父母年邁需要照料,有的人孩子還小養育有責,有的人是三明治族群蠟燭兩頭燒,而且也開始擔心退休後的老年醫療以及退休安養的問題。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p><span></span></o:p></span></p><a name='more'></a><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"> </span><p></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">台灣的投保率非常高,一般<span lang="EN-US">50</span>歲以上中壯族群的朋友<span lang="EN-US">(</span>簡稱<span lang="EN-US">50+)</span>通常都已經有買過保險了,但是很可能早期買了之後就都沒有調整跟檢視過,所以我通常會幫朋友先檢視他現有的保單,並且了解家庭狀況以及價值觀等,再跟他討論如何規劃。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">通常,如果家庭責任已了,如父母不在了,小孩成年已工作,只要顧好自己就好了,會建議可以規劃老年的醫療保障,以及退休金的安排。如果像是三明治族群,家庭責任未盡,也會將壽險,意外險考慮進去。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">50+</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">的族群,我認為在保險規劃方面有三個面向可以考慮:<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">醫療保障<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">實支實付保險<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">早期買的實支實付險,可能續保年齡只到<span lang="EN-US">65</span>歲或<span lang="EN-US">70</span>歲,已經無法涵蓋保障現代人的長壽趨勢,另外新型態的醫療技術成為趨勢,若要獲得較好的醫療照顧,健保以外自費的部分會相對提高,所以可以考慮加買第二張可以副本理賠的實支實付險來補強。目前較新推出的實支實付險,通常續保年齡會提高到<span lang="EN-US">80</span>歲或<span lang="EN-US">85</span>歲,也有自負額型態的實支實付險,可以墊高原有實支實付的額度,以及終身型的實支實付險面世,提供更多元的選擇。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">意外險<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">50+</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">族群,意外保障不可少,意外乃意料之外,發生了常措手不及,常聞因發生意外身故或失能而使家庭生計陷入困境的狀況。意外險是依職業類別計算保費,一般職業的上班族群,保費通常不高,而且通常意外險主約,會有失能一次金的給付,有的保單也會有發生失能狀態時,按月給付失能照顧金的項目,可以部分替代之前的失能扶助險停售後的缺口。日額給付的意外險附約也可以有骨折未住院的理賠,這部分也是<span lang="EN-US">50+</span>族群發生意外事故時常伴隨的狀況。<span lang="EN-US"><o:p></o:p></span></span></p>
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<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">重大傷病保險<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">一次性給付的重大傷病保險,是比較新型態的險種,是依照健保署核發的重大傷病卡認定,爭議較小,一般人擔心的癌症,也涵蓋在保障範圍中。而一次給付金,可以用在較好較即時的醫療照護,也可以當作發生重大傷病之後,調養期間無法工作的生活緊急預備金。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">長期照顧保險<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">長壽高齡的趨勢,加上少子化,照護人力的不足等,我們可能面臨養不起的未來,日本「下流老人」的社會現象,其中有一個面相就是,老後的安養照顧,因為沒有事先安排好而發生。失能、失智、長期臥病在床,都需要耗費掉相當龐大的資源,也常常是拖垮家庭經濟的最後一根稻草,所以適度的規劃長期照顧保險是必要的。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">退休金流<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">根據世界銀行的三層式保障模式,呈現一個金字塔形,金字塔的最底層是社會保險年金制度,中間則是企業員工退休金制度,而最上層是自己準備的部分,在台灣,一般勞工階級,最底層的社會保險年金是勞保年金,而企業提供的則是勞退新制勞工退休金,但是勞保破產時有耳聞,而勞退新制的基金操盤表現不彰且民眾自提意願不高,目前看來自求多福的部分要更加的注意了。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">我們會依據上述的勞保以及勞退所能領到的金額,再加上估算退休後每月需要多少的花費開銷,以及根據過往投資的經驗、風險承受能力,是否要留資產給小孩等,綜合考量來安排退休後的金流,以期能夠安穩的支應退休生活開銷為目標。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">透過年金險,可以提供一個穩定的金流,在選擇上面也相當的多元,例如傳統的固定利率型年金,或是依照宣告利率調整的利變型年金,又或者是依照投資績效表現的變額年金,<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">以及透過投資型保單連結的類全委帳戶,由專業機構代操所提供的撥回金,<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">若是規劃的資金只想供自己用,新型態的儲蓄保險商品也有可設定固定年期分年給付,精算在有生之年完全用在自己身上,享受「破產上天堂」的最高境界。這些都是一些可以供規劃的工具。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">傳承分配<span lang="EN-US"><o:p></o:p></span></span></p>
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<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">《保險法》第<span lang="EN-US">112</span>條規定「保險金額約定於被保險人死亡時給付於其所指定之受益人者,其金額不得作為被保險人之遺產」;以及《遺產及贈與稅法》第<span lang="EN-US">16</span>條規定不計入遺產總額第<span lang="EN-US">9</span>項「約定於被繼承人死亡時,給付其所指定受益人之人壽保險金額、軍、公教人員、勞工或農民保險之保險金額及互助金。」<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">上述法規可以看出,「指定受益人」在被保險人死亡時所給付的保險金額,可不計入遺產總額,也就是說,不用課徵遺產稅。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><span style="mso-spacerun: yes;"> </span>50+</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">族群若是有相當資產者,通常也會開始考慮傳承及分配問題,這部份可以透過身故保險金受益人安排,因為不計入遺產總額,可以補足遺產分配時因特留份所受的限制,但要注意,因為依據《稅捐稽徵法》第<span lang="EN-US">12</span>條之<span lang="EN-US">1</span>所規定的實質課稅原則,身故保險金在特定的樣態下,還是有可能會被併入遺產課稅。但由於保險金確定給付的特性,很適合當作遺產稅完稅的現金稅源來源。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">註:財政部<span lang="EN-US">109</span>年<span lang="EN-US">7</span>月公布「實務上死亡人壽保險金依實質課稅原則核課遺產稅案例及參考特徵」八種樣態<span lang="EN-US">1.</span>帶病投保<span lang="EN-US">2.</span>高齡投保<span lang="EN-US">3.</span>短期投保<span lang="EN-US">4.</span>躉繳投保<span lang="EN-US">5.</span>密集投保<span lang="EN-US">6.</span>舉債投保<span lang="EN-US">7.</span>鉅額投保<span lang="EN-US">8.</span>保險給付相當於已繳保險費加計利息金額。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">如粗略概算,有<span lang="EN-US">1</span>億遺產淨額的家庭,遺產稅應納稅額為<span lang="EN-US">1250</span>萬元,<span lang="EN-US">1.5</span>億遺產淨額為<span lang="EN-US">2250</span>萬元,<span lang="EN-US">2</span>億遺產淨額為<span lang="EN-US">3250</span>萬元,<span lang="EN-US">3</span>億遺產淨額為<span lang="EN-US">5250</span>萬元。台灣有很多有房產但沒有足夠現金準備的家庭,這時候的稅源準備就很重要了,因為沒有完稅,原則上資產是不能處分與分割的,若不得已用《遺產與贈與稅法》第<span lang="EN-US">30</span>條實物抵繳,如用股票或不動產抵繳方式來繳稅,就可能有損失的風險。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">另外若是擔心身故保險金,遺族無法妥善管理或者需要專款照顧,也可以透過保險金信託幫保險再買個「保險」,讓照顧家人的心意可以延續。<span lang="EN-US"><o:p></o:p></span></span></p>
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<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">也提醒<span lang="EN-US">50+</span>族群規劃保險,有下面四點考量需要注意:<span lang="EN-US"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">A.</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">預算考量<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><span style="mso-spacerun: yes;"> </span></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">若是經濟上負擔較重的家庭,可以定期險為主,終身險為輔,且需同時做好理財規劃,因為定期的醫療險到年老後的費率會較高,所以醫療的預算與退休金安排必須取得平衡。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><span style="mso-spacerun: yes;"> </span></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">若是經濟寬裕,則可考慮增加終身醫療險。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">B.</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">整體考量<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">50+</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">族群在規劃保險的時候,最好以家庭為單位來整體考量,常見到很多的父母因為疼愛小孩,將保障型保險<span lang="EN-US">(</span>定義為純保障型,理財功能型如子女教育金規劃則另計<span lang="EN-US">)</span>的保費都花在孩子身上,但是忽略了自身的規劃。孩子的部分,有基礎的醫療保障即可,剩下的,孩子成年之後,或許有新的規劃方式以及險種,當務之急應該是,將自身的風險規劃先考量完善,也不會造成因為父母沒有規劃好自己的保險,而帶給孩子將來照護年邁家人的負擔。而壽險保障討論的重點則包括家庭主要經濟來源是誰,及喪偶時可能增減的開支等,來做保額的安排。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">C.</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">體況考量<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">50+</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">族群通常或多或少開始有些體況,少有「完璧」之身,這部份要提醒有體況還是要誠實告知,才不會造成保險效力有瑕疵,而引發日後的糾紛,一般來說告知體況保險公司會有四種可能核保狀況,正常承保:如盲腸切除;加費承保:如高血壓;除外承保:如胃潰瘍;拒保或延謝:如糖尿病,當然上述的舉例還是要依個案認定。但有機會可以買保險,還是建議要規劃,因為人有百病,曾經就遇到一個案例是曾經心肌梗塞患者,而癌症險可以承保。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">。如果真的因為體況而無法買到醫療險,則必需要加強儲蓄理財的部分,例如儲蓄險,年金險,來儲備老年的醫療準備金,也可以考慮加強意外險,或是如果親屬所屬的公司或機關團體有團體保險,且能概括承受免健康告知加保的話,也可以選擇加保。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">D.</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">女性考量<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">特別一提的是家中女性成員,因太太通常年齡比先生小,而且女性平均壽命較長,所以一般歷經喪偶後會獨身很長的時間,加上女性特有疾病等,這些部份的醫療保障,照顧安養,退休金流等也要列入規劃考量。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">規劃前要保單檢視<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">最後建議<span lang="EN-US">50+</span>族群投保之前要先做好保單健檢,專業的保單檢視,必須請有經驗的顧問,細心爬梳保單裡面所有的歷史批註,注意到是否減額繳清,終止附約,變更保額,更改受益人等。除了檢視保障與保費是否適足外,常見到忽略的是保單關係人的安排。要保人、被保險人、身故受益人、生存金受益人,這三方關係的安排會攸關到稅務問題,或是無法照顧到想照顧的人,不可不慎。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">而身故保險金,或是長期照顧保險金等的安排,也很重要。如果想要照顧家人,試想,未成年的孩子若拿到了一大筆身故理賠金,他可能是無法管理的;或是發生長期照顧狀態時,能照著您還清醒時的意識執行這筆專款嗎?如果有這方面的擔心,這個時候是否有信託安排就非常重要了。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">保險規劃是家庭理財規劃不可或缺的一環,牽一髮可能動全身,所以必需結合價值觀、財務目標、家庭責任等面向整體考量,這是<span lang="EN-US">50+</span>族群在規劃保險時必須注意的。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">聯絡作者<span lang="EN-US">:camel40tw@gmail.com<o:p></o:p></span></span></p>理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-90637808892055344272021-06-21T23:29:00.003-07:002021-06-21T23:30:53.360-07:00我該借紓困貸款嗎?<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEl1i6Z65QrjOzaefQXcxXTS9XMgMf7VRMZXEvZNlRW4qv425Kmk_Z1p6VnLEmI56eP9866gsJqbvuJUw9Gg0x1Bun-6HIHwRANtg7akSUv2Rh34mK3EkSboH_HDrZtGVgfLmxsLZGag0/s1950/photo-1518458028785-8fbcd101ebb9.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1300" data-original-width="1950" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEl1i6Z65QrjOzaefQXcxXTS9XMgMf7VRMZXEvZNlRW4qv425Kmk_Z1p6VnLEmI56eP9866gsJqbvuJUw9Gg0x1Bun-6HIHwRANtg7akSUv2Rh34mK3EkSboH_HDrZtGVgfLmxsLZGag0/s320/photo-1518458028785-8fbcd101ebb9.jpg" width="320" /></a></div><br /><p></p><p class="MsoNormal"><span style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;">作者:</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">駱潤生<span lang="EN-US">(Lawrence)CFP</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: Calibri;">®</span><span lang="EN-US" style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p><p class="MsoNormal"><span style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">圖片:</span><span lang="EN-US">Photo by <a href="https://unsplash.com/@sharonmccutcheon?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Sharon
McCutcheon</a> on <a href="https://unsplash.com/s/photos/borrow?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></span></p><p class="p1"><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">最近因疫情影響,很多人的民生經濟受到打擊,政府開辦紓困貸款,保險公司也將提供低利保單貸款,希望急需用錢的朋友,可以透過這筆資金,暫時緩解燃眉之急。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> <span></span></span></p><a name='more'></a><p></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">但根據媒體報導,有承辦貸款人員表示,在審核民眾資格時,發現有些民眾的財力狀況其實並不急迫需要這筆錢,相信有部分的人是想借貸這筆低利資金出來,拿去做其他的安排,比如說投資。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">其實我們平常也經常接到銀行電話行銷,詢問是否要借個人信貸,通常親切的服務人員,也會試探性的提醒,可以將這筆資金借出來投資。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">當然如果真的急需要用錢,透過貸款的確是最快的解決方式。但是如果只是因為利率很低,條件很不錯,而就衝去借的話,可能要注意以下三個地雷</span></span><span class="s1"><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt;">:</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1" style="margin-left: 18.0pt; mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><!--[if !supportLists]--><span class="s1"><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 微軟正黑體;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b></span><!--[endif]--><span class="s1"><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">注意「心理帳戶」的影響<span lang="EN-US"><o:p></o:p></span></span></b></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></b></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">「心理帳戶」概念是芝加哥大學行為科學教授理查<span lang="EN-US">·</span>塞勒提出,他認為除了自己的錢包或銀行帳戶這樣實體的帳戶外,人們的心中存在著一種心理帳戶,會將現實中客觀的支出或收益,在心裡上面畫分到不同的帳戶裡面。<span lang="EN-US"><o:p></o:p></span></span></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">我覺得像這樣心態去借來的錢,也會把他跟自己的積蓄劃分開來,會認為,我就是用這筆</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">$100,000</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">去投資就好了,我的投資獲益,只要大於利息我就賺到了。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1" style="margin-left: 18.0pt;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">但事實上,你其實等於還是用自己的儲蓄去投資,只是預支罷了,先別談賺還是賠,別忘了它是要還的。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1" style="margin-left: 18.0pt; mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><!--[if !supportLists]--><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 微軟正黑體;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span></span><!--[endif]--><span class="s1"><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">用借來的錢去投資</span></b></span><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">尤其是像這類的短期貸款,通常結果都不好。為什麼呢,因為如果你還款期限內,你的投資標的是虧損的,屆時你可能必須被迫認賠資產來還債。除非短期內獲利了結,而且你必須管住自己,別再下注。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1" style="margin-left: 18.0pt; mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><!--[if !supportLists]--><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 微軟正黑體;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span></span><!--[endif]--><span class="s1"><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">太過美好的想像</span></b></span><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></span></p><p class="p1" style="margin-left: 18.0pt;"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">就算沒有投資,一筆現金擺在身邊,很容易就把它隨意花掉了,之前對它很多美好的想像,比如說用它來支付學費學習新技能,或放在利息較高的地方賺利差等等,可能都只是想像。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">大家都知道買債券可以固定領息,到期還本;而借貸就像是買了</span></span><span class="s1"><b><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">「負債券」</span></b></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">,因為你要固定支息,到期還債。別忘了他也伴隨著複利效應,投資理財中常用到的七二法則,</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">72</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">除以報酬率等於你資產翻倍的年數,如果換成是負債也適用,比如說你借了一筆年息</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">12
%</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">的借貸,</span></span><span class="s2"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">等於</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">6</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">年間你的負債就翻了一倍,不能不慎。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">借貸一直是投資理財中很重要的一門功課,人生中很多重要的財務目標也需要靠貸款解決,比如說買房子通常就需要跟銀行貸款,適當的使用借貸,也可以累積個人的信用,比如說妥善使用信用卡累積信用分數。最重要的是要有穩定的還款來源,及規劃好的還款計劃及用途,才不會陷入債務漩渦。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSx6lSoWGwOUL1agzdIvA8qVkev8pxWSXL0U-jPvwjt4hdErJ8n05_TO5tbAUoDFqOTGmsXsBgqL3piK0NGGNBwBwLAqc_gtBr5vqLrjGDhjUeUyuG50Gx5E_b8wlJn7B2jJpHL-wIbFc/s2048/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSx6lSoWGwOUL1agzdIvA8qVkev8pxWSXL0U-jPvwjt4hdErJ8n05_TO5tbAUoDFqOTGmsXsBgqL3piK0NGGNBwBwLAqc_gtBr5vqLrjGDhjUeUyuG50Gx5E_b8wlJn7B2jJpHL-wIbFc/s320/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" /></a></div><br /><p></p><p>
</p><p class="MsoNormal"><span style="background: none; color: #222222; font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-bidi-font-family: Arial;">駱潤生(<span lang="EN-US">Lawrence Lo</span>),具有法律背景的財金碩士,目前是臺灣與中國兩岸國際認證理財規劃顧問(<span lang="EN-US">CFP®</span>),並曾任臺灣理財規劃產業發展促進會(<span lang="EN-US">TFPA</span>)副理事長,國泰人壽<span lang="EN-US">CFP®</span>,阿爾發機器人理財投資顧問經理。致力推廣正確理財觀念,並提供理財規劃、保險規劃、退休金規劃等相關諮詢試算服務。歡迎來信諮詢討論<span lang="EN-US">:camel40tw@gmail.com</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;"><o:p></o:p></span></p><p><br /></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-49587622569363568712021-05-24T22:54:00.002-07:002021-05-24T22:55:36.830-07:00疫情恐慌下應有的投資心態<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVjeu5fBx1y93xGtpiMfr3uCI-fJ8CU_x2gbLLQX-FNk1MM8pWuvErfvIBoiZeuL_zMEqGxSc5ME03hTxxWyJcKudb8RbQpA7hipCp7dTkbGIovi9AJhpxf0273ummjB9ACIwIAjZ3mIA/s871/photo-1541669811423-8faf04b94f85.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="871" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVjeu5fBx1y93xGtpiMfr3uCI-fJ8CU_x2gbLLQX-FNk1MM8pWuvErfvIBoiZeuL_zMEqGxSc5ME03hTxxWyJcKudb8RbQpA7hipCp7dTkbGIovi9AJhpxf0273ummjB9ACIwIAjZ3mIA/s320/photo-1541669811423-8faf04b94f85.jpg" width="320" /></a></div><br /><p></p><p><br /></p><p></p><p style="line-height: 16.2pt; margin: 0cm;"><span class="bumpedfont15"><span face=""微軟正黑體",sans-serif" style="color: #333333; font-size: 14pt;">作者:</span></span><span class="bumpedfont15"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt;">駱潤生<span lang="EN-US">(Lawrence)CFP</span></span></span><span class="bumpedfont15"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: Calibri;">®</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt;"><o:p></o:p></span></p>
<p style="line-height: 16.2pt; margin: 0cm;"><span class="bumpedfont15"><span face=""微軟正黑體",sans-serif" style="color: #333333; font-size: 14pt;">圖片:</span></span><span lang="EN-US">Photo by <a href="https://unsplash.com/@mocking_bird?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Dawn
Lio</a> on <a href="https://unsplash.com/s/photos/peaceful?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">台灣新冠疫情進入第三級警戒,股市也跟著拉警報,不僅台股波動加劇,美國也因通膨再起,而有媒體開始提醒投資人,拜登政府很可能因</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;">爲</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Microsoft JhengHei Light"; mso-font-kerning: 0pt;">避免疫情導致長期衰退,而祭出過度寬鬆的貨幣政策,及前所未有的財政刺激政策,將加速推升世紀泡沫的破裂。</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">在這個時間點大家會不會開始有點居高思危了,還是滿手股票,深怕在這瘋狂的資金遊戲中缺席</span><span face=""Microsoft JhengHei UI",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">?</span><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">!<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">在家上班期間,翻閱了摩根豪瑟的「致富心態」,其中有個章節「致富與守財」,我覺得可以在此時,分享給大家一些觀念。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">先聽聽以下的故事:<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">投資名作《股票作手回憶錄》筆下的主角傳奇投資客傑西</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: "PingFang TC"; mso-font-kerning: 0pt;">‧</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">李佛摩,在<span lang="EN-US">1929</span>年黑色星期一的那一週,股市大跌,但他因為提前放空股市,而賺進<span lang="EN-US">30</span>億美元一戰成名。但躊躇滿志的他,越賭越大,<span lang="EN-US">1933</span>年他在股市中輸掉了一切,也結束了自己的生命。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">1920</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">年代,知名的房地產開發商,亞伯拉罕</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: "PingFang TC"; mso-font-kerning: 0pt;">‧</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">喬曼斯基,在<span lang="EN-US">1929</span>年那場股災中,因重壓股市而失去了一切。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">他們兩人雖有不同的過程,但是卻有相同的結局。他們都是善於致富但不擅守財的典型。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">作者認為,致富與守財是兩種截然不同技能,一個是冒險,樂觀,勇於突破舒適圈;另一個是謙卑,節儉,並居安思危。雖然無法每個人都有致富的條件與運氣,但是要理財成功,有一項很重要的先決條件,就是要能「活下去」。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">紅衫資本在創投界屹立不搖<span lang="EN-US">40</span>年,合夥人麥可</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: "PingFang TC"; mso-font-kerning: 0pt;">‧</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">莫里斯受訪時提到:「我們總是害怕有一天會遭到市場淘汰。」<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">股神華倫巴菲特以及他的神隊友查理</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: "PingFang TC"; mso-font-kerning: 0pt;">‧</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">蒙格相信沒有人不知道,但<span lang="EN-US">40</span>年前還有一位夥伴叫做瑞克</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: "PingFang TC"; mso-font-kerning: 0pt;">‧</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">蓋林,他跟巴菲特他們一樣聰明,但是他沒有巴菲特他們的耐心,<span lang="EN-US"> 1970</span>年代他用保證金貸款借錢融資,不幸遇到股市兩年內重挫<span lang="EN-US">70 %</span>,而將波克夏的股票賤賣給巴菲特。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">所以說紅衫資本以及巴菲特他們,都是同時具備了致富與守財的能力。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">也就是作者所謂的「活下去」的能力。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">要怎麼才能在「亂世」中求生呢?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">我歸納出以下三點:<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">穩中求勝<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-pagination: widow-orphan; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">強調現金的重要性,也就是理財中的緊急預備金以及是否保有足夠的投資緩衝資金,能夠讓你不在股市空頭期間,被強迫賣掉股票。並且相信長期複利帶來驚人效果。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">計劃趕不上變化<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-pagination: widow-orphan; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">計劃很重要但還是要保持彈性,沒有任何人能夠預知未來,要預留犯錯的空間,也就是所謂的「安全邊際」,它可以讓你提高存活的機會。體現在理財上面,可以是多儲蓄,減少開銷,投資分散風險,理財計劃審時度勢等等。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">投資保持「審慎樂觀」<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-pagination: widow-orphan; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">市場過熱時不要過度樂觀但也不必過度恐慌,股票長期以來都是報酬最好的工具,但期間的波動則是享有報酬必須付出的代價,分散投資,長期投資,保持餘裕,永遠是最好的策略。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">希望在這個疫情吃緊的時刻,文章分享能給大家一些安定的力量,投資也是如此,不用過度緊張而因噎廢食了,祝大家平安!<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOGd4BtgFCJyddcXwDZ4q2XU13ZlvmUU4Bys3kIf7bxnrNOCNzJVD_C14Fl2PwjZOkKIhJPlx1vlCo4eB4iNvSque7cgZRCv0I7_SQ10KrgRwgLXCPd5wwchC1LGK6MBB-tkTj0uEFYpY/s2048/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOGd4BtgFCJyddcXwDZ4q2XU13ZlvmUU4Bys3kIf7bxnrNOCNzJVD_C14Fl2PwjZOkKIhJPlx1vlCo4eB4iNvSque7cgZRCv0I7_SQ10KrgRwgLXCPd5wwchC1LGK6MBB-tkTj0uEFYpY/s320/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" /></a></div><br /><p></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">駱潤生(<span lang="EN-US">Lawrence Lo</span>),具有法律背景的財金碩士,目前是臺灣與中國兩岸國際認證理財規劃顧問(<span lang="EN-US">CFP®</span>),臺灣理財規劃產業發展促進會(<span lang="EN-US">TFPA</span>)商業模式召委,阿爾發金融科技。致力推廣正確理財觀念,並提供保險規劃、退休金規劃等諮詢服務。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">歡迎來信諮詢討論</span><span face=""Microsoft JhengHei UI",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">:</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><a href="mailto:camel40tw@gmail.com">camel40tw@gmail.com</a></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 10pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p><br /><p></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-73522374530349898772021-04-18T06:04:00.002-07:002021-04-18T06:06:02.347-07:00投資給你「高報酬」、「保證」?當心有詐!<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiN48pm0-KZX_a6gYWynzRdjtSTx_lZUPwC7f-1tI7lsLqPB0xGcIpgOS0wccjYXWU_FdKBx8TAya7P5d1MtRaeE4YG3rSzIvQZOdgvckcINGVIloRsnGt3STRYDAtWr3Oj02JhJs1IlPs/s1950/photo-1505664194779-8beaceb93744.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1300" data-original-width="1950" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiN48pm0-KZX_a6gYWynzRdjtSTx_lZUPwC7f-1tI7lsLqPB0xGcIpgOS0wccjYXWU_FdKBx8TAya7P5d1MtRaeE4YG3rSzIvQZOdgvckcINGVIloRsnGt3STRYDAtWr3Oj02JhJs1IlPs/s320/photo-1505664194779-8beaceb93744.jpg" width="320" /></a></div><br /> <p></p><p></p><p class="MsoNormal"><span style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;">作者:</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">駱潤生<span lang="EN-US" style="mso-font-kerning: 0pt;">(Lawrence)CFP</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: Calibri;">®</span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">圖片:</span><span lang="EN-US">Photo by <a href="https://unsplash.com/@giamboscaro?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Giammarco
Boscaro</a> on <a href="https://unsplash.com/s/photos/philosophy?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span lang="EN-US" style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">朋友跟我說,他最近做了一筆投資很划算,投資一筆錢,每個月有<span lang="EN-US">1.2 %</span>的回報,內容是投資股市,多空都可以操作,介紹這筆投資給他的是他的舊識,以前也曾在股市吃過大虧,現在投資這個做得很好,發行的公司也經營<span lang="EN-US">10</span>年了,應該很穩當?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">朋友問我的意見,我舉兩個例子提醒他注意</span><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt;">:</span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -24.0pt;"><!--[if !supportLists]--><b><span lang="EN-US" style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">一、<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">龐氏騙局<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><b><span lang="EN-US" style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></b></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">20</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">世紀初的美國,義大利移民查爾斯·龐茲,<span lang="EN-US">1919</span>年開始利用空殼公司騙人投資,承諾投資人短期可得到豐厚的回報,其實他是把新投資者的錢付給最初投資的人,以誘使更多的人上當,而其實公司本身並非透過正當投資獲利。由於前期投資的人獲利豐厚,使他得以在短期間就吸引數萬名投資者,雖然龐茲的陰謀在<span lang="EN-US">1</span>年多後被戳破,但已造成投資人巨大的虧損。<b><span lang="EN-US" style="color: red;"><o:p></o:p></span></b></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -24.0pt;"><!--[if !supportLists]--><b><span lang="EN-US" style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">二、<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">馬多夫騙局<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><b><span lang="EN-US" style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></b></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">馬多夫是美國金融界的名人,頂著前納斯達克主席的光環,他成立的馬多夫對沖避險基金,對投資者大行其騙,其中包括政商名流如前聯準會主席葛林斯潘及眾多的大型金融機構。更令人稱奇的是在美國證券交易委員會等機構的監管之下,長期運作仍未被察覺。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">狡猾的馬多夫,對投資者設立高門檻,營造出能夠成為他的投資者,就是一種無上光榮的氛圍。更吸引人的一點,是他只承諾了比市場要高一些的報酬,導致一般人不會懷疑,認為以他的能耐要辦到這件事是很容易的。但是明眼人看到一個破綻,就是除了報酬率,還要看標準差,也就是這個投資的波動度,因為它很明顯的很低,所以反推回去跟股市及債市比較,就代表這樣的高報酬又低波動的投資商品是不存在的。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24.0pt; mso-para-margin-left: 0gd;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">馬多夫騙局終於在二○○八年金融海嘯中被戳破,這場騙倒無數機構和個人,高達<span lang="EN-US">650</span>億美元的大騙局,隨著他被宣判一百五十年徒刑而落幕。<b><span lang="EN-US" style="color: red;"><o:p></o:p></span></b></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">但這種龐氏騙局的型態,從未消失,它的外形雖不斷變化,但本質卻從未改變。它利用人們貪婪及恐懼的心理,以「高報酬」及「保證」來吸引投資者投資,並將後期投資者的資金來向早期投資者支付利息。但是除非後期投資者能無限的擴充,資金來源才能源源不絕,但那是不可能的。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">試想,如果世界上真的有一種商品,高報酬又非常低風險,那全世界的資金都會往那個地方流動了,還需要那麼辛苦的集資嗎</span><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt;">?</span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">所以俗話說</span><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt;">:</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">「<span style="color: red;">你要他的利,他要你的本。</span>」<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">投資路上誘惑及雜音很多,唯有認清金融本質,了解金融投機及詐騙史,並建立適合自己的投資哲學,才能在這條簡單又不容易的道路上安身立命。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfSjzyxOYGzNO54M0CBFsl-XOwRKGpDuMu2uuxwC52oiMi2YQ2llWP1XQFDy0TvzMXq5LCG_44EIy_atxwiTM63Uq7zS8939oKCj8vCoer-RNiDRDwsUWlAsnweJBk1KIGVPCe-LCGuLo/s2048/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfSjzyxOYGzNO54M0CBFsl-XOwRKGpDuMu2uuxwC52oiMi2YQ2llWP1XQFDy0TvzMXq5LCG_44EIy_atxwiTM63Uq7zS8939oKCj8vCoer-RNiDRDwsUWlAsnweJBk1KIGVPCe-LCGuLo/s320/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" /></a></div><br /> <p></p>
<p class="MsoNormal"><span style="background: none; color: #222222; font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;">駱潤生(<span lang="EN-US">Lawrence Lo</span>),具有法律背景的財金碩士,目前是臺灣與中國兩岸國際認證理財規劃顧問(<span lang="EN-US">CFP®</span>),臺灣理財規劃產業發展促進會(<span lang="EN-US">TFPA</span>)商業模式召委,阿爾發金融科技業務經理。致力推廣正確理財觀念,
並提供<span lang="EN-US">ETF</span>資產配置、退休金規劃等相關諮詢試算服務。歡迎來信諮詢討論<span lang="EN-US">:camel40tw@gmail.com</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif;"><o:p></o:p></span></p><br /><p></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-8514666738275904282021-04-12T20:00:00.003-07:002021-04-12T20:02:04.352-07:00GME事件的給投資人的提醒<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXm-H2I3Q8LYiwZojt3_wz2G0PEC4xB_HJSNSc43WILMTmaR2xd3l3Ka8C6QxXCP3mg02tew11Tyz1i8X826Y7B22oiC6CG5UO_3pltWj7wVKHJrUTWMNzOyP8xV7L17zJCk7CEHHqKVk/s1950/photo-1612587592641-f2a67a7e9dad.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1300" data-original-width="1950" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXm-H2I3Q8LYiwZojt3_wz2G0PEC4xB_HJSNSc43WILMTmaR2xd3l3Ka8C6QxXCP3mg02tew11Tyz1i8X826Y7B22oiC6CG5UO_3pltWj7wVKHJrUTWMNzOyP8xV7L17zJCk7CEHHqKVk/s320/photo-1612587592641-f2a67a7e9dad.jpg" width="320" /></a></div><br /><p></p><p class="MsoNormal"><span style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;">作者:</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">駱潤生<span lang="EN-US">(Lawrence)CFP</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: Calibri;">®</span><span lang="EN-US" style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p><p class="MsoNormal"><span style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">圖片:</span><span lang="EN-US">Photo by <a href="https://unsplash.com/@techdailyca?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Tech
Daily</a> on <a href="https://unsplash.com/s/photos/gme?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span lang="EN-US" style="color: #333333; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p><p class="MsoNormal"><span lang="EN-US" style="font-family: "Microsoft JhengHei Light",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">華爾街</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">1</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">月份發生件有趣的事,</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">GameStop</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">(</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">GME)</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">是傳統銷售電玩遊戲的連鎖店,隨著線上遊戲興起而逐漸沒落,美國一些知名放空機構認為</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">
GME </span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">將成為下一個百視達,實體遊戲商店將會被遊戲線上串流所取代,而準備大肆放空。美國社群網站</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">
Reddit(</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">類似台灣的</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">PTT)</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">,鄉民發起了團結計畫,網友表示,</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">GME</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">帶給大家童年美好回憶,現在有難,是該站起來力挺的時候了</span></span><span class="s2"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">!</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">眾鄉民響應號召,大量買進</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">
GME </span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">股票,瘋狂推升股價,導致許多放空機構因為放空</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">GME</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">而面臨巨大虧損,眾多小蝦米戰勝大鯨魚,蔚為奇觀。<span lang="EN-US"><o:p></o:p></span></span></span></p><p class="p1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> <span></span></span></p><a name='more'></a><p></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">但好景不常,</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">GME</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">像是衰弱的老人短暫施打強心針,股價已從雲端掉落。媒體焦點也從小散戶一夕致富的故事,轉變成高檔買進者賠掉畢生積蓄的悲劇。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><br /></span></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">報載虧損慘重的荷蘭</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">19</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">歲的大學生,就是個典型例子,他甚至完全不了解</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">GME</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">這間公司就跟風買進,稱其為「就是那種你可以在裡面買到所有你想要的遊戲的美國遊戲公司」。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">自去年疫情發生以來,全球股市受熱錢推升,與經濟基本面悖離,主要股市的散戶比重顯著增加,據統計,去年台股開戶數爆增,新增開戶人數達</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">67</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">萬人,總開戶人數成長至</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">1124</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">萬人。平均每</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">2</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">人就有</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">1</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">人參與股市投資,</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">20</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">至</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">30</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">歲年輕人,占比從</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">5</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">年前</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">25.4%</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">快速增加至</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">36.1%</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">。等於新開戶的投資人,有一半是社會新鮮人或小資族,甚至是大學生。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">證交所近年來積極建構年輕小資族投資股市的友善環境,自</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">2017</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">年推動定期定額投資以來,投資金額連年創高,並陸續推出權證、</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">ETF</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">等小額投資商品,以及實施盤中零股交易制度,使得小資族可投資管道多元化。<span lang="EN-US"><o:p></o:p></span></span></span></p><p class="p1"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">往好處想,年輕族群加入資本市場,可望為台股注入新的動能,並緩解投資人結構高齡化現象。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">但是有</span></span><span class="s1"><b><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">三不</span></b></span><span class="s1"><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">三要</span></b></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">,提醒投資新手</span></span><span class="s1"><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt;">:</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">不要聽信明牌</span></span><span lang="EN-US" style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">資訊不對稱風險,通常散戶收到的資訊,多數已經落後一大截,早已反應在股價上。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">不要過度自信</span></span><span lang="EN-US" style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">永遠要對市場謙卑,不要認為有幾次好手氣就是自己的能力強。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">不要想賺快錢</span></span><span lang="EN-US" style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">每個人都想像巴菲特一樣的賺錢,但不想有巴菲特的耐心。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">要分散投資</span></span><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">諾貝爾經濟學獎得主馬可維茲說過,分散投資「是投資中的唯一免費午餐」,要做好低相關性,不同資產類別的資產配置。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">要長期投資</span></span><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">要待在市場上。投資大師霍華.馬克斯提到,短線交易者認為,如果能以</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">10</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元買進股票</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">11</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元賣出,在</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">24</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元買回</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">25</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元賣出,接著再以</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">39</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元買回</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">40</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元賣出,這樣就算成功,但在這檔上漲了</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">30</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元的股票,卻只賺</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">3</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">元。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">要低成本</span></span><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">晨星發現,基金的費率是跟明年表現有關的唯一可靠變數,而低周轉率與低費率的基金表現通常較好,最典型的就是採取「買入持有」特定市場所有股票,並不會頻繁換股的指數型基金。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="p1"><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">類似</span></span><span class="s2"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">GME</span></span><span class="s1"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">的故事,也許會再重演,股市的背後是人性,而人性難測。社群媒體的發達,資金的氾濫,也為股市的波動推波助瀾,我們能做的,唯有堅守正確投資觀念及紀律。</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p><p class="p1"><span class="s1"><span lang="EN-US"> </span></span></p><p class="p1"><span lang="EN-US"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaInjkkSUe_0fMPK_xOnqBUqLEN_UJOnd4-S-175ImZ0xImigGELE-nYGF0nxn0sbMoSQgZ8NJt3N1h_DA5PLLeMTpAD5QK9dMOWWZ2hgFsOZt2B27br0k-d4frvaF8cXGFo13byIBHl4/s2048/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaInjkkSUe_0fMPK_xOnqBUqLEN_UJOnd4-S-175ImZ0xImigGELE-nYGF0nxn0sbMoSQgZ8NJt3N1h_DA5PLLeMTpAD5QK9dMOWWZ2hgFsOZt2B27br0k-d4frvaF8cXGFo13byIBHl4/s320/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" /></a></div><br /><p></p><p>
<span style="background: none; color: #222222; font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW;">駱潤生(<span lang="EN-US">Lawrence Lo</span>),具有法律背景的財金碩士,目前是臺灣與中國兩岸國際認證理財規劃顧問(<span lang="EN-US">CFP®</span>),臺灣理財規劃產業發展促進會(<span lang="EN-US">TFPA</span>)商業模式召委,阿爾發金融科技業務經理。致力推廣正確理財觀念,
並提供<span lang="EN-US">ETF</span>資產配置、退休金規劃等相關諮詢試算服務。歡迎來信諮詢討論<span lang="EN-US">:camel40tw@gmail.com</span></span></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-42234530706657744832021-03-09T01:06:00.002-08:002021-03-09T02:08:26.401-08:00「慢活,更快活」的財富累積良方。<p></p><div class="separator" style="clear: both; text-align: center;"><br /></div><br /> <div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEA9gjg7vyfooMQb_JsjYBtSeuTXF3CPI3VMcCrP6eRJrVrSw0vQPnIqNHV1X3Wn_Yudc5OWiWw7CaEMrttXqnb48LotkePmF1iFDp6LPOSS3sgvoJ3d0nSwJzhnLqPWE-54Lcj0H6Yd4/s732/S__113672205.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="732" data-original-width="606" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEA9gjg7vyfooMQb_JsjYBtSeuTXF3CPI3VMcCrP6eRJrVrSw0vQPnIqNHV1X3Wn_Yudc5OWiWw7CaEMrttXqnb48LotkePmF1iFDp6LPOSS3sgvoJ3d0nSwJzhnLqPWE-54Lcj0H6Yd4/s320/S__113672205.jpg" /></a></div><br /><p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">作者</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">:</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">施國文</span><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">(理財+1課特約作家)<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><br /></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">我們從小學算術,1+1=2,3+5=8,也知道在數學裡,10>1是最簡單不過的道理。但是,在股票市場,可就不是這麼一回事;甚至,我常告訴身邊的投資人,股䅇市場中可能會「10<1」!原因在於你一次次成功獲利,甚至累積10次賺到的錢,可能還抵不過一次大賠造成的虧損。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">在浩瀚的股市中投資,如果不能避免「大賠」的嚴重錯誤,資產想要穩健增值恐怕是一場不可能的任務。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;"><span></span></span></p><a name='more'></a> <p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">舉例來說,報載有一家保險公司曾投資「宏達電」(代號2498)這檔股票,該公司在104年8月的法説會中坦承,共計買進約6000多張,已陸續認賠賣出,損失飆破55億元,甚至只能賣樓止血。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">究竟,這家保險公司每一張股票賠掉多少錢呢?我們以保守方式試算,損失50多億元以50億計,所購買6000多張股票則以整數7000張計,則公式為:<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">5,000,000,000元</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">÷<span lang="EN-US">7,000</span>張=<span lang="EN-US">714,285</span>元<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">也就是說,這家保險公司所購買的宏達電股票,每張至少虧損<span lang="EN-US">71</span>萬元!從<span lang="EN-US">100</span>年<span lang="EN-US">4</span>月到<span lang="EN-US">104</span>年<span lang="EN-US">8</span>月間,由最高價<span lang="EN-US">1300</span>元跌到<span lang="EN-US">40.35</span>元,遑論所謂的專業法人機構竟然也會發生這麼大幅度負報酬率的事,完全忘記什麼叫作停損機制,但它真的就發生在你我眼前!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">若是上述狀況發生在你我身上,一次慘賠<span lang="EN-US">90</span>%,相當於買進<span lang="EN-US">100</span>元的股票卻以<span lang="EN-US">10</span>元賣出,大賠<span lang="EN-US">90</span>元,若想要回到原來的本金<span lang="EN-US">100</span>元,那得要賺<span lang="EN-US">900</span>%(<span lang="EN-US">9</span>倍)才行!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">姑且不論難度多高,勢必還得花上一段時間才可能賺回來。所以,我要再次強調,在投資的道路上一定得記住「避開大賠」,否則發生一次即是重傷害,發生兩次可能就去了半條命!不可不慎!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">只是,我們應該如何避免類似的投資大賠狀況呢?<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">以我個人的投資經驗來看,目前上市、上櫃和興櫃股票公司大約<span lang="EN-US">2000</span>檔左右,如果把自己當成股神,認為某支股票符合個人的技術面或籌碼面選股就積極投入資金,這種作法並無法避免<span lang="EN-US">10<1</span>這種狀況發生,為了「明哲保身」,我整理出幾類應該避開、盡量不碰的股票類型,分述如下</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">:</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">第一類:漲很多且基期高的股票→不碰<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">很多投資高手或投資專家都會在媒體上或市場分析時,建議最為強勢的個股,尤其是創近期新高價的標的,以創造較高報酬率。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">但我的見解卻有些不同,如同我一再強調的,要以穩健増值為主要目的,通常這類股票投資風險相對高,例如新藥股、遊戲股</span><span style="font-family: "MS Gothic"; font-size: 14pt; line-height: 115%; mso-bidi-font-family: "MS Gothic";">⋯⋯</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">等,是以本夢比為漲升訴求的公司,在漲多且基期相對高下,只要一旦反轉而下,投資人又無法適時壯士斷腕,及時執行停損機制時,這種創高的股票往往修正幅度會很大,直到投資人受不了後才又反彈。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">許多人總在受不了的階段就已認賠殺出,根本等不到反彈行情,因此,建議避開此類股票以免重傷害!例如:前面才剛提到的宏達電,兩度從<span lang="EN-US">200</span>元不到分別漲到<span lang="EN-US">1220</span>元及<span lang="EN-US">1300</span>元,但<span lang="EN-US">104</span>年<span lang="EN-US">8</span>月卻跌到最低<span lang="EN-US">40.35</span>元。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">或許,你現在認為自己不會這麼傻去追<span lang="EN-US">800</span>元或<span lang="EN-US">1000</span>元的宏達電,但當時外資一家家幾近瘋狂式的調高其目標價到<span lang="EN-US">1400</span>、<span lang="EN-US">1600</span>元,甚至更高,再加上報章雜誌頻放利多消息的推波助瀾下,一般投資人在當下的樂觀氣氛影響下很難不受到影響,所以確實出現很多「勇敢的人」去買千元以上的宏達電,最後慘遭套牢命運!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">我長年觀察股市,「股市最缺的是資金,最不缺的就是『傻瓜』。」這些人或許是「貪心」使然,再加上毫無投資戒心,才會做出這種「傻事」。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">不可否認,我也曾是個股市中的一枚傻瓜,只是我比一般投資人早日認清,當然如果你自認是股市高手是以短線操作投機獲利為目的,也能嚴格執行停損,那就另當別論,當然也不在<span lang="EN-US">GOWIN</span>投資模式的討論之列。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;">第二類:高價股→不碰<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">一般而言,高價股相對具有較強的獲利能力及籌碼優勢(編按:即股價愈高,一般散戶比較買不起,籌碼集中在資金部位大的法人及中實戶、大戶手中),當然,也有一些股票是主力利用特殊題材炒作成為高價的個股,而非以獲利成長為依據。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">或許,很多人會有疑問,到底何謂「高價股」?就我來定義的話,如果總投資金額在<span lang="EN-US">500</span>萬元以內,我認為<span lang="EN-US">100</span>元以上的股票就可稱作高價股,因為我們強調資金是分散在數檔股票上,故<span lang="EN-US">100</span>元以上的標的是不利於多次分批往下佈局的。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">當然如果你的總投資金額數千萬甚至上億元,也許<span lang="EN-US">100</span>元的股價對你而言,就不能算是高價股。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">在多年的實際交易經驗和觀察盤勢變化中,我堅信,高價股並不適合一般投資人。主要有兩個原因:<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoListParagraph" style="background: none; margin-left: 23pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -23pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: red; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">(一)</span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">一般投資人閒置資金並不是很寬鬆,不容易達到「分批佈局、降低平均成本」目的。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoListParagraph" style="background: none; margin-left: 23pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -23pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: red; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">(二)</span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">高價股或是股王股后一旦開始「修正」,股價常出現「腰斬」現象,為了避免犯下市值大縮水的致命嚴重傷害,所以才未將它們列入。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">這些所謂的高價股票,每股股價動輒<span lang="EN-US">4</span>、<span lang="EN-US">500</span>元,換算下來買一張就需要<span lang="EN-US">4</span>、<span lang="EN-US">50</span>萬元。就算再看好其未來行情,在交易布局過程中,由於資金成本相對高,對一般投資人而言,並不容易做到分批承接以利自身平均股票成本。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">除非你的銀彈(資金)充足,但這點一般投資人恐較難達成;或許會有人想到買進零股的方式,但我還是認為不妥。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><b><span face=""微軟正黑體",sans-serif" style="color: #c00000; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">比財力,更比心理戰<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal"><b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> </span></b></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">以股王大立光(代號<span lang="EN-US">3008</span>)為例,在<span lang="EN-US">104</span>年<span lang="EN-US">7</span>月<span lang="EN-US">3</span>日最高價來到<span lang="EN-US">3715</span>元,<span lang="EN-US">105</span>年<span lang="EN-US">1</span>月<span lang="EN-US">8</span>日跌到<span lang="EN-US">1790</span>元,短短半年跌了<span lang="EN-US">51.8</span>%,一張股票就賠掉<span lang="EN-US">192.5</span>萬元!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">以主計處公布,<span lang="EN-US">106</span>年勞工平均每月薪資<span lang="EN-US">49,989</span>元來換算,光是一張股票就足足賠掉<span lang="EN-US">3</span>年的薪資所得,恐怕不是一般人的財力所能負荷。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">再者,儘管大立光在<span lang="EN-US">105</span>年<span lang="EN-US">10</span>月<span lang="EN-US">5</span>日又上漲至<span lang="EN-US">3980</span>元價位,但早先下跌至<span lang="EN-US">1925</span>元的過程中,投資人可能早就因為心理恐慌而殺出手中持股,根本等不到後來<span lang="EN-US">3900</span>元以上的價位。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">就算是用零股<span lang="EN-US">100</span>股、<span lang="EN-US">100</span>股分批布局,動輒數十萬的金額也不小,況且高價股拉回修正的幅度都不小,即使大立光的獲利能力這麼高,幾乎是前無古人的超高<span lang="EN-US">EPS</span>仍如此大幅度修正,何況買的是非以業績獲利成長而是藉由題材強拉的公司?<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">或許還是有人不解,既然這家公司這麼賺,為何不能投資?我深信,一般高價股最好投資人少碰為妙的理由,除了上述的財力、心理因素外;還有一點,再以大立光為例,整張股價曾腰斬下跌達<span lang="EN-US">51.8</span>%,這樣的修正幅度實在令人膽顫心驚,而且高價股下跌過程中,由於虧損的絕對金額大,可能讓人因而變成失去原來想持有的信心,更不敢加碼買進。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">再舉個例子,我曾有個客戶在威盛(代號<span lang="EN-US">2388</span>)股價從<span lang="EN-US">629</span>元跌到<span lang="EN-US">450</span>元時開始布局,當時曾出現一波反彈回到<span lang="EN-US">600</span>元以上,因為客戶看好該個股,打算中長期持有,所以並未獲利賣出。只是,接下來威盛連續下跌<span lang="EN-US">5</span>個月,一直到<span lang="EN-US">165</span>元才止跌!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">威盛下跌過程中,這位客戶在跌破<span lang="EN-US">400</span>元、<span lang="EN-US">300</span>元都仍繼續承接,愈買愈多,只是即使口袋夠深,客戶買到<span lang="EN-US">250</span>元後再也買不下手,也不敢再買。但威盛的股價仍是無情地往下探底。所幸客戶有所警覺,但也同時出現恐慌心情,因而找我商量。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">當時,我的想法只有一個,就是如何把損失降到最低。一邊安撫客戶心情之際,我同時分析,當初威盛的跌法並非正常現象,而且贏在一時而非一直能保有領先優勢的公司並不夠穩定,所以並不建議客戶中長期持有。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">其次,根據過去經驗,大部分股票在這麼慘烈的急殺後,不排除會出現一波反彈走勢。客戶認同此一觀點,所幸股價從<span lang="EN-US">165</span>元開始反彈,上攻<span lang="EN-US">365</span>元,我們也順利在<span lang="EN-US">300</span>元附近分批出清。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">雖然客戶免不了因此大失血,但威盛的跌勢仍未打住,甚至在<span lang="EN-US">104</span>年<span lang="EN-US">7</span>月一度最低股價來到<span lang="EN-US">4.3</span>元。如今回想,當初若非有停損賣出的壯士斷腕決心,事後看到這樣的股價,恐怕換是你我,同樣便是想砍也砍不下手吧!尤其曾有同樣經驗的我,更能對客戶心情感同身受。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">最後,我還是要提醒,<span lang="EN-US">GOWIN</span>投資模式強調的是穏健報酬投資模式,首先就是必須先把投資風險盡量使其降低一些,雖然賺不到股王大立光從<span lang="EN-US">1000</span>元漲到<span lang="EN-US">3900</span>元的機會,但至少能避開宏達電慘賠<span lang="EN-US">90</span>%的風險,也就是前文所述的「避開<span lang="EN-US">10<1</span>大賠,以免導致重傷害後需花更長時間才能賺回原來本金」。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><h2 style="background: none;"><span face=""微軟正黑體",sans-serif" style="color: firebrick; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">投資小提醒:「股王」教我的事<span lang="EN-US"><o:p></o:p></span></span></h2><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">很多人迷信所謂的「股王」、「股后」,認為一次漲幅就相當驚人,卻未考慮到潛在的風險。我認為,對於像是你我這樣的投資人而言,</span><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">長期來看,交易高價股對財富累積似乎沒有太大幫助,尤其是「買股王」!</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #c00000; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal" style="background: none; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">當股王跌下寶座,跌幅往往相當驚人(詳見下表)。這也印證我買進高價股的心得體悟:很多高價股的股價之所以高高在上,大都是以獲利佳且業績大幅成長為主要因素。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUi7xofkhhd2_Uq5m1rXVYaDoiryU2M6R7v_Jgw4xURT8JJ2Dx_-ATIPgvDPwXjErmroxAuLELCimwsWkgst0z5BWBBCQErAg8AleeoW5aVpi7aXIKYZ6cSuvJw30NyDFFVmy-Z10_5Yk/s860/%25E8%2582%25A1%25E7%258E%258B.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="570" data-original-width="860" height="424" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUi7xofkhhd2_Uq5m1rXVYaDoiryU2M6R7v_Jgw4xURT8JJ2Dx_-ATIPgvDPwXjErmroxAuLELCimwsWkgst0z5BWBBCQErAg8AleeoW5aVpi7aXIKYZ6cSuvJw30NyDFFVmy-Z10_5Yk/w640-h424/%25E8%2582%25A1%25E7%258E%258B.jpg" width="640" /></a></div><br /><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">這類高價股的「股價」通常都會領先反映(但是市場中永遠有人比你我早知道),在公布業績成長前達到高點。一旦股價開始下跌,市場上的投資人可能會試圖找出下跌原因,遍尋不著時則開始催眠自己,這只是短暫幾天的回檔整理,並且持續加碼。此時的投資人尚未有任何戒心,期待股價會快速反彈,心態上仍是偏多,根本不會想要賣掉手中持股。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="background: none; color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-highlight: white;">直到這些公司公布<span lang="EN-US">EPS</span>後,投資人才恍然大悟:原來是高獲利不再或成長停滯,甚至出現大幅度衰退情形。但為時已晚,因為股價在前面早已慢慢下跌了一段,公布業績後很可能再加快往下修正一段,現在想跑已經賣不下手。</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><o:p></o:p></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> </span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">避開「股價時間差」的可能傷害,也是我將高價股排除在外的重要原因之一,更隨時提醒自己,把高價股視為拒絕往來戶!當然,很多非高價位股票也有此現象,只是就我個人觀察發現,高價股的「股價時間差」尤其明顯,投資人不可不慎。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> <o:p></o:p></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">如同一句老話:「什麼人玩什麼鳥。」按部就班用時間(長期投資)換取空間(市值增值),一步一步穏健地慢慢前進,才是財富累積良方。就像維持人體健康一樣,「慢活,更快活」!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #555555; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOU_NC6w1lon8bUFOn99Mu7UlnnaCIPqSPScI1SuooXyIgBz1C5cO-PQNv24dMLgfHUZqWYhPtriotwMTRShKdlr2P0fV3-j0M0TQcW7QOMxAC0EDBMESK_nV6VfH6gh_LCKG4I7hrEdU/s1140/%25E6%2596%25BD%25E5%259C%258B%25E6%2596%2587.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="855" data-original-width="1140" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOU_NC6w1lon8bUFOn99Mu7UlnnaCIPqSPScI1SuooXyIgBz1C5cO-PQNv24dMLgfHUZqWYhPtriotwMTRShKdlr2P0fV3-j0M0TQcW7QOMxAC0EDBMESK_nV6VfH6gh_LCKG4I7hrEdU/s320/%25E6%2596%25BD%25E5%259C%258B%25E6%2596%2587.jpg" width="320" /></a></div><br /><o:p></o:p><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 10pt; mso-bidi-font-family: 微軟正黑體;">作者簡介</span><span face=""Microsoft JhengHei UI",sans-serif" style="color: #555555; font-size: 10pt; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體;">:</span><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 10pt; mso-bidi-font-family: 微軟正黑體;">施國文</span><span face=""Microsoft JhengHei UI",sans-serif" style="color: #555555; font-size: 10pt; mso-bidi-font-family: 微軟正黑體;">,</span><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 10pt; mso-bidi-font-family: 微軟正黑體;">國際認證高級理財規劃顧問,民國<span lang="EN-US">55</span>年生於台北</span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #555555; font-size: 10pt; mso-bidi-font-family: 微軟正黑體;">曾是證券業務經理,<span lang="EN-US">42</span>歲就靠股市投資賺到財富自由,<span lang="EN-US">50</span>歲離開職場,股息年收入約<span lang="EN-US">70</span>萬元。施國文也曾是一個在股市殺進殺出,喜歡「重押」單一股票、賺快錢的超積極投資人,直到<span lang="EN-US">2008</span>年經歷金融海嘯,財富大起大落的震撼教育後,才開始修正自己,憑藉著股海投資<span lang="EN-US">20</span>多年的資歷,開創了屬於自己「穩中透強」的「<span lang="EN-US">GO WIN</span>投資模式」。</span></p><p></p><div class="separator" style="clear: both; text-align: center;"><br /></div>
<span face=""微軟正黑體",sans-serif" style="background: none; color: #555555; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-font-family: 微軟正黑體; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-highlight: white;">學歷:畢業於國立臺北商業專科學校(現國立臺北商業大學)</span><p></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-69988723782863787052021-03-07T07:50:00.003-08:002021-03-07T07:52:11.147-08:00堅持到底,才是最後的贏家<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZy4b3Jg5Qtp4KN6q9tqP8nNlzuAIH76YIyrNxPB7OCvZM7FTRBmrFFQtkaBIT0FOAvQ1upUo8iq-2FnXa_FIwGPUoTCvYvQ7bxRZtRk3Iepd01RRDKv-X8qloGeK6tLUWSvLCXH9KJyA/s1952/%25E5%259C%2596%25E7%2589%25871.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1299" data-original-width="1952" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZy4b3Jg5Qtp4KN6q9tqP8nNlzuAIH76YIyrNxPB7OCvZM7FTRBmrFFQtkaBIT0FOAvQ1upUo8iq-2FnXa_FIwGPUoTCvYvQ7bxRZtRk3Iepd01RRDKv-X8qloGeK6tLUWSvLCXH9KJyA/s320/%25E5%259C%2596%25E7%2589%25871.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><p></p><p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;">作者:詹翔宇<span lang="EN-US">Shawn </span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-font-kerning: 0pt;">(</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-font-kerning: 0pt;">理財<span lang="EN-US">+1</span>課特約作家<span lang="EN-US">)</span></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">圖片</span><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt;">:</span><span lang="EN-US">Photo by <a href="https://unsplash.com/@jennyhill?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Jenny
Hill</a> on <a href="https://unsplash.com/s/photos/running?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p><p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">隨著疫情的趨緩,最近看到越來越多人出外運動、跑步。跑步之於身體健康,就像投資理財之於財富累積。長期投資的過程就像是場馬拉松比賽,馬拉松比賽不僅僅是體力上的考驗,在毅力上更具挑戰,與短跑競賽充滿刺激的觀賞性不同,許多跑者參加馬拉松的目的,並不在於要跑得比別人快,而是完成目標,因此,在馬拉松比賽中,沒有所謂的輸家,只要你到達終點,你都是這場馬拉松的贏家,長期投資不何嘗也是這樣?<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> <span></span></span></p><a name='more'></a><p></p><p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">長跑不需要太多的技巧,也沒有條件上的限制,適合每個人,只要你可以找到自己的節奏,足夠紀律與堅持,不管你高矮胖瘦都可以進行這項運動,長期下來,對身體非常有益。這點與長期投資非常相像,長期投資沒有太多技巧,任何人都可以執行,只要找到適合自己的投資組合,並且足夠紀律與堅持,長期下來,對財富的累積非常有益。以下七句馬拉松跑者的名言,不僅適用在長跑的過程,也非常適合當作長期投資的心法。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="MsoListParagraph" style="layout-grid-mode: char; margin-left: 18.0pt; mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; mso-prop-change: "士賢 吳" 20210307T2329; text-indent: -18.0pt;"><!--[if !supportLists]--><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 微軟正黑體;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">我們都需要目標。</span></b><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 微軟正黑體;">没</span></b><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: "Microsoft JhengHei Light";">有目</span></b><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">標,人生就很難過下去。</span></b><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">(</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">跑者<u>托里·鮑姆<span lang="EN-US">)</span></u></span><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></b></p><p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">長期投資的第一步就是設定財務目標,有了財務目標你才能安排適合自己的投資計劃,就像是跑馬拉松前你要先知道自己是參加幾公里的賽事,是半馬
<span lang="EN-US">(21 </span>公里<span lang="EN-US">)</span>?全馬 <span lang="EN-US">(42
</span>公里<span lang="EN-US">)</span>?還是超馬 <span lang="EN-US">(50 </span>公里<span lang="EN-US">)</span>?設定好目標後,你就可以依照自身的財務目標執行投資計畫,如果沒有財務目標,就好像跑馬拉松不知道終點線在哪,你將很容易偏離跑道或因為疲累停下腳步,進而無法完成目標。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoListParagraph" style="layout-grid-mode: char; margin-left: 18.0pt; mso-layout-grid-align: none; mso-para-margin-left: 0gd;"><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></b></p><p class="MsoListParagraph" style="layout-grid-mode: char; margin-left: 18.0pt; mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -18.0pt;"><!--[if !supportLists]--><span lang="EN-US" style="font-size: 14.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;">2.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">痛快跑一回給你的感覺,要遠遠好於你枯坐家中、後悔自己沒有出去跑的感覺。</span></b><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">(</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">跑者<u>莎拉·康杜<span lang="EN-US">)</span></u></span><span lang="EN-US" style="font-size: 14.0pt;"><o:p></o:p></span></p><p class="MsoListParagraph" style="layout-grid-mode: char; margin-left: 18.0pt; mso-layout-grid-align: none; mso-para-margin-left: 0gd;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;"> </span></p><p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">愛因斯坦曾說:「複利是世界上第八大奇蹟」,投資的最佳時機點就是「現在」,財富是靠一點一滴長期累積,透過複利讓資產成長。若不及早執行投資計畫,讓時間流逝,你將錯失複利帶給財富的驚人效果。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">當你分別從 <span lang="EN-US">20
</span>歲及 <span lang="EN-US">30 </span>歲開始投資,每個月投資 <span lang="EN-US">200 </span>美元<span lang="EN-US"> (</span>約新台幣<span lang="EN-US"> 6,000 </span>元<span lang="EN-US">)</span>,年化報酬率
<span lang="EN-US">8%</span>,持續投資到 <span lang="EN-US">65 </span>歲。當你 <span lang="EN-US">20 </span>歲開始投資,<span lang="EN-US">65 </span>歲時可以累積 <span lang="EN-US">1,054,907.98
</span>美元<span lang="EN-US"> (</span>約新台幣<span lang="EN-US"> 3,000 </span>萬元<span lang="EN-US">)</span>;<span lang="EN-US">30 </span>歲才開始投資,<span lang="EN-US">65 </span>歲時可以累積到
<span lang="EN-US">458,776.50 </span>美元<span lang="EN-US"> (</span>約新台幣 <span lang="EN-US">1,400 </span>萬元<span lang="EN-US">)</span>。提早 <span lang="EN-US">10 </span>年開始投資,長期下來資產累積卻差了一倍,可見長期複利的威力是非常強大的!<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"> </span></p><p>
<span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;">20 </span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;">歲開始投資,每個月投資 <span lang="EN-US">200 </span>美元<span lang="EN-US"> (</span>約新台幣<span lang="EN-US"> 6,000 </span>元<span lang="EN-US">)</span>,年化報酬率 <span lang="EN-US">8%</span>,<span lang="EN-US">65 </span>歲時可以累積
<span lang="EN-US">1,054,907.98 </span>美元<span lang="EN-US"> (</span>約新台幣<span lang="EN-US"> 3,000 </span>萬元<span lang="EN-US">)</span>。</span></p><p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQJIN-h9-6WEVpA-Td0Bzq9FwB_Gbgy94M9oWIpLLCWlEdPX-OrMvLt8EiLbaggaSDWT0UyvmLxTLdr-JJq9FGsGSrc4Lc4TSLhBDyTB5ikXx-1qjunSVSQIXspRdk1P-8ouey_1v1rXk/s554/%25E5%259C%2596%25E7%2589%25872.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="346" data-original-width="554" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQJIN-h9-6WEVpA-Td0Bzq9FwB_Gbgy94M9oWIpLLCWlEdPX-OrMvLt8EiLbaggaSDWT0UyvmLxTLdr-JJq9FGsGSrc4Lc4TSLhBDyTB5ikXx-1qjunSVSQIXspRdk1P-8ouey_1v1rXk/w640-h400/%25E5%259C%2596%25E7%2589%25872.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span style="font-family: 微軟正黑體, sans-serif; font-size: 13.3333px;">資料來源:</span><span lang="EN-US" style="font-family: 微軟正黑體, sans-serif; font-size: 13.3333px;">elk invest<br /><br /><o:p></o:p></span></td></tr></tbody></table></p><p><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;"><span lang="EN-US" style="font-size: 14pt;"><br />30 </span><span style="font-size: 14pt;">歲開始投資,每個月投資
<span lang="EN-US">200 </span>美元<span lang="EN-US"> (</span>約新台幣<span lang="EN-US">
6,000 </span>元<span lang="EN-US">)</span>,年化報酬率 <span lang="EN-US">8%</span>,<span lang="EN-US">65 </span>歲時可以累積 <span lang="EN-US">458,776.50 </span>美元<span lang="EN-US"> (</span>約新台幣<span lang="EN-US"> 1,400 </span>萬元<span lang="EN-US">)</span>。</span></span></p><p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8KdlmfbQBHH-PpJus9m6GF_CLe5oWgccNjQeePpbczq3PsahxgQ7UaMKgwzjfw03dQRGb_nwcTHVfm9V4URYFNX4lOTh_MkJOXZ70CfTvDCx7WNB1FRmy103NIuxgjtXzpx4kNEdScd0/s554/%25E5%259C%2596%25E7%2589%25873.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="345" data-original-width="554" height="398" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8KdlmfbQBHH-PpJus9m6GF_CLe5oWgccNjQeePpbczq3PsahxgQ7UaMKgwzjfw03dQRGb_nwcTHVfm9V4URYFNX4lOTh_MkJOXZ70CfTvDCx7WNB1FRmy103NIuxgjtXzpx4kNEdScd0/w640-h398/%25E5%259C%2596%25E7%2589%25873.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;">資料來源:<span lang="EN-US">elk invest</span></span></td></tr></tbody></table><br /><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;"><br /></span></p><p></p><p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">3.
</span></b><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">不要問我為什麼跑步,問你自己為什麼不跑?</span></b><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">《明智的跑者》</span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><br style="mso-special-character: line-break;" />
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<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">長期投資可以幫助加速累積財富,提早享受財務自由的生活,就像是跑步可以幫助我們增加免疫力,讓身體更健康,享受人生的美好時光,所以不要問我為什麼長期投資,問你自己為什麼不長期投資?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">4.
</span></b><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">跑步時你跑第一、中間或最後都不重要。重要的是你可以說:「我跑完全程了!」</span></b><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">(</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">紐約市馬拉松創始人之一 <u>弗雷德·勒博<span lang="EN-US">)</span></u></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><br style="mso-special-character: line-break;" />
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<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">短期的報酬率比較一點都沒意義,不同投資組合需要承擔的報酬與風險也不同,高報酬往往伴隨高風險,低報酬承擔低風險。根據自身風險屬性,找到適合自己的投資組合非常重要,就像是長跑時需要找到適合自己的節奏,重點不在於你跑的多快,而在於你能跑的多久、多遠。只要夠堅持,長期持有適合自己的投資組合,你終將抵達終點、達成財務目標!
<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><br />
<b><span style="color: #0070c0;">5. </span></b></span><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">任何人都可以跑 <span lang="EN-US">20
</span>英里,關鍵是接下來那 <span lang="EN-US">6 </span>英里。</span></b><b><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">(</span></b><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">1960 </span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">年羅馬馬拉松季軍<u>巴里·馬吉<span lang="EN-US">)</span></u><span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">跑步很簡單,但要完成馬拉松卻很難。開始投資很簡單,但要做到長期投資卻很困難。金融市場充滿誘惑且難以預測,短期的市場波動常常影響投資人的情緒,進而做出短進短出、追高殺低的錯誤判斷,讓自己淪為短線投機。長期投資,貴在堅持不懈!<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><br />
</span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">6.
</span><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">我學到無論跑步與人生都沒有所謂失敗<a style="mso-comment-date: 20200514T1052; mso-comment-reference: U_1;">,</a>只要你拒絕停下來。</span></b><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">(</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">波士頓馬拉松冠軍<u>安比·</u><u>波爾富<span lang="EN-US">)</span></u></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;">投資的報酬是門機率的學問,股市的美好在於當你持有期間越長,獲得正報酬的機率就越高,所以只要堅持投資計畫、長期持有,就可以大幅提升你在股市賺錢的機會。</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;"></span><p></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKoq_McrrVdYvuM2UZ0cn-_s9Vy6mGUYWTTkHXTQCVlOabWJUHqiYwiuO3Rl_26hx6bETnQKz_eIJjbCxDeoAoClKumgRoYkLmfG8PUHWMM-EvMrqS5MU5esi6rYB5nsLSpPoZL1BLpAY/s554/%25E5%259C%2596%25E7%2589%25874.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="289" data-original-width="554" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKoq_McrrVdYvuM2UZ0cn-_s9Vy6mGUYWTTkHXTQCVlOabWJUHqiYwiuO3Rl_26hx6bETnQKz_eIJjbCxDeoAoClKumgRoYkLmfG8PUHWMM-EvMrqS5MU5esi6rYB5nsLSpPoZL1BLpAY/w640-h334/%25E5%259C%2596%25E7%2589%25874.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><p align="center" class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">不同持有期間,得到正報酬的機率<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="center" class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">資料來源:<span lang="EN-US">Above the market<o:p></o:p></span></span></p></td></tr></tbody></table><br /><p><br /></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiG8tSbMqKgkQBWXaaX0Xdy5eJs6i6dmnmrmPPUjiRAxNPjTrYGoOsPNnFx7HVROv7_8mhKxGjWO8hfJau0j1J7xZhXo9_67RHXCAsW81iGwZqPQkWoa0FwXdOzDoNSIGsjIyQdCWJ4lEs/s579/%25E5%259C%2596%25E7%2589%25875.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="341" data-original-width="579" height="376" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiG8tSbMqKgkQBWXaaX0Xdy5eJs6i6dmnmrmPPUjiRAxNPjTrYGoOsPNnFx7HVROv7_8mhKxGjWO8hfJau0j1J7xZhXo9_67RHXCAsW81iGwZqPQkWoa0FwXdOzDoNSIGsjIyQdCWJ4lEs/w640-h376/%25E5%259C%2596%25E7%2589%25875.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><p align="center" class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">S&P 500 </span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">長期報酬分布的狀況<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="center" class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">資料來源:<span lang="EN-US">Bloomberg<o:p></o:p></span></span></p></td></tr></tbody></table><br /><p><br /></p><p></p><p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">7.
</span></b><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">「跑步是為了找到內心的平靜,生命也是如此。」</span></b><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">(</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">美國超馬跑者<u>狄恩卡·那希斯<span lang="EN-US">)</span></u></span><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">許多投資人常常在生活上花費大量時間研究市場資訊,讓心情跟著市場波動而起伏,進而影響生活品質。長期投資可以讓你找到內心的平靜,取得生活的平衡,提早實現財務目標、享受財務自由,讓你把時間花在真正重要的人事物上。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt;">如果在投資馬拉松上,儘管你清楚目標,卻總是跑得步履蹣跚,或許我們可以幫助你找到適合你的長跑節奏,陪你一起完成投資馬拉松!<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span lang="EN-US" style="font-family: "Microsoft JhengHei Light",sans-serif; font-size: 14.0pt;"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh3Y1-Vjk45OlFOy41Gfbkh5O6g-ixvRr-K75mF61trVpAJ_9-vifbUU8pVWb84fFqqk0B3vy5Kq5C5n_tj-safBGh2o5ipqDkClvkndQ99e9Ou-bL3hntDkaMUqOukdHQQBj6m7E83lw/s1478/%25E8%25A9%25B9%25E7%25BF%2594%25E5%25AE%2587.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1478" data-original-width="1108" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh3Y1-Vjk45OlFOy41Gfbkh5O6g-ixvRr-K75mF61trVpAJ_9-vifbUU8pVWb84fFqqk0B3vy5Kq5C5n_tj-safBGh2o5ipqDkClvkndQ99e9Ou-bL3hntDkaMUqOukdHQQBj6m7E83lw/s320/%25E8%25A9%25B9%25E7%25BF%2594%25E5%25AE%2587.jpg" /></a></div><br /><p></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">詹翔宇<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">現職:阿爾發投顧 財務顧問部 經理、投資飛翔日誌版主<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="layout-grid-mode: char; mso-layout-grid-align: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt;">專長:被動投資、<span lang="EN-US">ETF</span>資產配置</span></p><div style="mso-element: comment-list;">
<!--[endif]--></div><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-language: ZH-TW;"></span><p></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-81237163640265123962021-03-07T07:02:00.004-08:002021-03-07T07:04:27.265-08:00【投資穩穩學】「若我十年前就買了台積電,那現在......」其實,長期投資只是個假議題罷了!<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPHxGnLKGVm3rwnSf_mVjYyNSSD9Se12GIMOH1nlydDp5vPIZEBKLGv6ocMVYJzfgwIDyT7yE_d0XnDOW25L3IqT2smeJXi5gDhL3Ja0-s62xHa1DreIBo5cpfTCBwYnFzKuBtjgzqwdE/s2048/cyrus-gomez-x4HjxzOoIxU-unsplash.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPHxGnLKGVm3rwnSf_mVjYyNSSD9Se12GIMOH1nlydDp5vPIZEBKLGv6ocMVYJzfgwIDyT7yE_d0XnDOW25L3IqT2smeJXi5gDhL3Ja0-s62xHa1DreIBo5cpfTCBwYnFzKuBtjgzqwdE/s320/cyrus-gomez-x4HjxzOoIxU-unsplash.jpg" /></a></div><br /><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><b>作者:蔣竣植(<span lang="EN-US">CFP</span>)</b><span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><b>圖片</b><b>:</b>Photo by <a href="https://unsplash.com/@cyrusgomez?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">cyrus gomez</a> on <a href="https://unsplash.com/s/photos/open-heart?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></p><p class="MsoNormal"><b><br /></b></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;">「若十年前有買到台積電,現在股價翻<span lang="EN-US">10</span>倍,若當年買的是特斯拉,現在股價可翻了<span lang="EN-US">100</span>倍!」我不小心聽到對桌的大叔和友人這樣閒聊著。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-size: 12.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;">每當看到某檔股票的歷史走勢,尤其在近兩年飆漲的行情之下,回顧早期仍在低檔盤旋的股價,總是會浮現「早知道」的念頭而暗自嘆息為何當初沒做正確的決定。但,若能回到當年,你真的會買嗎<span lang="EN-US">?</span>又能一直堅持放到現在嗎<span lang="EN-US">?<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-size: 12.0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span style="color: red;">投資習慣不調整,何來長期持有的可能?</span><span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;">台語有句俗語:「吃碗內、看碗外」,意指吃著碗內的菜餚,眼睛卻環顧著桌上的其他菜色。我們或許研究好陣子而買進的標的,卻可能因短期內沒有預期的獲利表現,再加上耐心有限,可能又會以小賺(或認賠)賣出,轉買下一檔可能的投資標的。運氣好一些的,若數檔都能在短期內賺到些「零用錢」,就會更認真盯盤研究並頻繁買賣,以期待能「好運連連」。其實,頻繁地轉來換去,或許一整年下來賺最多的是券商所收到的手續費用,而不是你<span lang="EN-US">……</span>因此,習慣於短線操作的朋友,很難做到不盯盤的長期持有模式。既然如此,縱使十年前曾買過台積電,又如何<span lang="EN-US">?<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-size: 12.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; mso-bidi-font-size: 12.0pt; mso-themecolor: text1;">若看過網球、羽球、桌球、排球等對打型的球類運動,你來我往的對戰過程都很精彩,但各位知道獲勝的關鍵是什麼嗎<span lang="EN-US">?</span>並非贏的那一方球技多高超,而是「失誤」的較對方來的少<span lang="EN-US">!</span>投資也是如此,投資的關鍵不是獲利多少,而在於是否盡可能「降低虧損」<span lang="EN-US">?</span>這如同股神</span><em><span face=""微軟正黑體",sans-serif" style="background: none; color: black; font-style: normal; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-themecolor: text1;">巴菲特<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">曾</span></span></em><span face=""微軟正黑體",sans-serif" style="background: none; color: black; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt; mso-themecolor: text1;">說的:「世上只有兩個投資法則,第一條是不要</span><em style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;"><span face=""微軟正黑體",sans-serif" style="font-style: normal; mso-bidi-font-family: Arial;">賠錢</span></em><span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">;第二條是不要忘記第一條。」</span>無論是降低虧損或是不要賠錢,其關鍵都是如何找出適合自己的投資策略以控制風險,而不是單純挑一個看似會無止盡上漲的標的。投資從來不怕你賺太多,只擔心遇到下跌時你是否還能心如止水<span lang="EN-US">?<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; mso-bidi-font-size: 12.0pt; mso-themecolor: text1;"><o:p> </o:p></span></p>
<p class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span style="color: red;">投資目標不設定,何來長期持有的可能 </span><span lang="EN-US"><span style="color: red;">?</span><o:p></o:p></span></span></b></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;">過去曾好奇問某位朋友為何手上會持有台積電<span lang="EN-US">?</span>他的回答是<span lang="EN-US">:</span>「我要當傳家寶<span lang="EN-US">!</span>」好久沒聽到這個名詞了,願意做為傳家之用,想必台積電在他的心中分量不輕<span lang="EN-US">!</span>可惜當初約一百元買進,後來在兩百元左右賣出<span lang="EN-US">!</span>真的很可惜嗎<span lang="EN-US">?</span>其實一點也不,畢竟要在投資的歷程中達到<span lang="EN-US">100%</span>的獲利,某種程度也算是人生成就解鎖,對吧<span lang="EN-US">?</span>但也因如此,曾買過百元的台積電,也達成翻倍的獲利,礙於投資心理學中的「定錨效應」,之後所飆漲的價位都會覺得太貴而買不下去,也就只能在場邊當啦啦隊了<span lang="EN-US">!</span>好可惜<span lang="EN-US">! </span>既然如此,縱使十年前曾買過台積電,又如何<span lang="EN-US">?<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-size: 12.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;">是否覺得投資常會讓人感到精神分裂<span lang="EN-US">?</span>無論買進、賣出、或是觀望,都會陷入天人交戰而糾結<span lang="EN-US">!</span>投資時的心神不寧,會連帶影響到工作及生活情緒,若是如此,投資可能會成為你的阻力而非助力<span lang="EN-US">!</span>每回只要看到投資的歷史走勢圖,我第一個看的從來不是大幅上漲的那個區間,而是大幅下跌的那段走勢,因為我想確認若未來再次遇到像這樣的跌幅,我能否承受<span lang="EN-US">?</span>又該如何面對<span lang="EN-US">?</span>若你有設定一個明確的中、長期投資目標,獲利也是中長期的未來某個時點,那相信一定會再次遇到類似的下跌風險,而分散投資、持有一定水位的現金以保未來逢低買進的機會,或許是降低風險的策略之一吧<span lang="EN-US">!<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-size: 12.0pt;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;">常有朋友在下跌時很驚恐且無助地找我訴苦,我除了只能安慰之外,心裡常納悶著<span lang="EN-US">:</span>「投資本來就有漲有跌,為何上漲時不會感到驚訝,而只有在下跌時會有這麼大的反應<span lang="EN-US">?</span>」授課時也常有學員看著線圖說<span lang="EN-US">:</span>「老師<span lang="EN-US">!</span>我若在下跌時能忍著不賣掉,其實之後也是會漲回來不是嗎<span lang="EN-US">?</span>」是啊<span lang="EN-US">!</span>但就因為大部分的人在當時都「忍不住」,否則也不會出現這樣的歷史走勢不是嗎<span lang="EN-US">?</span>因此,唯有一套適合自己的投資策略及投資目標,才能讓獲利成為投資過程的可能結果<span lang="EN-US">!<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-size: 12.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><b><span style="color: #2b00fe;">投資,應該要打開你的心,而不是耳朵 </span></b><span lang="EN-US"><b><span style="color: #2b00fe;">!</span></b><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span lang="EN-US"><b><span style="color: #2b00fe;"><br /></span></b></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span lang="EN-US"><b></b></span></span></p><div class="separator" style="clear: both; text-align: center;"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span lang="EN-US"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwc4Ulv8xA-Yh8L5IsHnifh5VWI2UZA5XKWtjeaK2tBXTX7xgji2rrX4jlkG0tANPfXtt70F__FASJe11i-ilCXolLYLQckwx2O0sz-OCVl2RnjcyeF5HkPqDZ97Zy4eweDsoLaYvh5h4/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwc4Ulv8xA-Yh8L5IsHnifh5VWI2UZA5XKWtjeaK2tBXTX7xgji2rrX4jlkG0tANPfXtt70F__FASJe11i-ilCXolLYLQckwx2O0sz-OCVl2RnjcyeF5HkPqDZ97Zy4eweDsoLaYvh5h4/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></b></span></span></div><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span lang="EN-US"><b><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span lang="EN-US"><b><br /></b></span></span></b></span></span></p><p></p><p class="MsoNormal"><span style="font-family: 微軟正黑體, sans-serif;"><span style="font-size: xx-small;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></span></p><p class="MsoNormal"><span style="font-family: 微軟正黑體, sans-serif;"><span style="font-size: xx-small;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></span></p><p class="MsoNormal"><span style="font-family: 微軟正黑體, sans-serif;"><span style="font-size: xx-small;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></span></p><p class="MsoNormal"><span style="font-family: 微軟正黑體, sans-serif;"><span style="font-size: xx-small;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></span></p><p class="MsoNormal"><span style="font-family: 微軟正黑體, sans-serif;"><span style="font-size: xx-small;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span></span><span lang="EN-US"><o:p></o:p></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-size: 12.0pt;"><span lang="EN-US">
<b><span style="color: #2b00fe;"><br /></span></b></span></span></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-60290774062814951502021-02-22T23:42:00.005-08:002021-02-22T23:45:10.465-08:00【影集時光】「大債時代」的觀後理財思維<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGa-VlfEX4ilcmXqybbGvObAu_PEYBL5qixLpqwDWDQGNVG2VTEjL2XM6H1dCDZgVdj1WZHs5THSdy_xlVwpw5HvO50h8KyQQ53CicPuPClbkx_fK3SNNI3a6txwoDgGuomyBKhyphenhyphen_RN4M/s451/5FB24426A10AF1605518374.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="451" data-original-width="316" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGa-VlfEX4ilcmXqybbGvObAu_PEYBL5qixLpqwDWDQGNVG2VTEjL2XM6H1dCDZgVdj1WZHs5THSdy_xlVwpw5HvO50h8KyQQ53CicPuPClbkx_fK3SNNI3a6txwoDgGuomyBKhyphenhyphen_RN4M/s320/5FB24426A10AF1605518374.jpeg" /></a></div><br /><p></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">首播日期:<span lang="EN-US">2021/01<o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">導演:廖士涵<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">主要演員:<span style="mso-bidi-font-weight: bold;">林柏宏、李霈瑜、黃瀞怡、陳昊森、張書豪、潘麗麗、游安順</span><span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">點評:蔣竣植(<span lang="EN-US">CFP</span>)<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">圖片</span><span style="font-size: 18.6667px;">:</span><span style="font-size: 18.6667px;">公視</span><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">。</span><span style="font-size: 18.6667px;">大債時代</span><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">。</span><span style="font-size: 18.6667px;">臉書</span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">過去曾有人說:「隨著科技的進步,賺錢變得容易許多,未來的日子也將過得越來越輕鬆。」但現實的世界,卻與這段預言恰好相反。一齣透過大數據獲取現今社會相關題材的影集,雖然僅有六集的內容,卻能充份呈現出多數人的想法與行為。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span style="color: red;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">關於</span><span face="新細明體, serif" style="font-size: 14pt;">「</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">創業</span><span face="新細明體, serif" style="font-size: 14pt;">」</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">或許是網路讓資訊頻繁交流,創業再也不是太過困難的決定,而創業的內容也包羅萬象,甚至增加了許多過去從未出現的行業。不過,在創業前該確認一些事,例如:是否因為在公司人際關係不佳而想創業?是否因為在公司表現不佳而想創業?是否單純待不住朝九晚五的工作而想創業?<span lang="EN-US">......</span>畢竟創業不該因為「逃避」某件事而創業,否則職場的相關問題並沒有解決,縱使創了業還是會遇到相似的問題。其實,創業當老闆的壓力從來不比當員工來的小,無論資金、人脈、經營、甚至於你的創意可能被抄襲,心理素質及抗壓性都是其中需要克服的課題。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span style="color: red;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">關於</span><span face="新細明體, serif" style="font-size: 14pt;">「</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">投資</span><span face="新細明體, serif" style="font-size: 14pt;">」</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">為了增加可供運用的資金,而被有機會快速獲利的投資工具所吸引,這或許是人之常情,但卻也點出人性的弱點<span lang="EN-US">-</span>貪。無論這一切是為了自己或是為了家人,看似合理的舉動,卻忽略了投資背後的風險,也輕乎了投資過程的無知。確實了解你所投資的東西到底是什麼,這是必須要做的投資基本功,否則會一直陷入因不斷虧錢而自責不已的無窮迴圈當中。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span style="color: red;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">關於</span><span face="新細明體, serif" style="font-size: 14pt;">「</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">生活<span lang="EN-US">/</span>工作壓力</span><span face="新細明體, serif" style="font-size: 14pt;">」</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">生活若為錢所困擾,就很直覺地想透過工作增加收入,近年來「跑外送」最熱門的兼差打工方式,這算是少數努力和收入成正比的工作,但勞力密集的工作型態,其未來的職涯景象卻是模糊的,或許可一時,但卻無法一世。其實開源和節流都是改善財務現況的方式,在檢討時有必要同時進行,是真的賺太少不夠花?還是花太兇來不及賺?若以水注入水桶作為增加工作收入來比喻,那破了的水桶可就是亂花錢的形容,不妥善處理漏水的破洞,就算注入再多的水也永遠無法灌滿整個水桶。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">而工作及生活的壓力並不小,找出一個可供紓壓的管道就是件極為重要的事,例如與身邊信得過的朋友聊聊、透過運動發洩情緒、透過靜態活動沈澱思緒等。否則若一直累積直到炸開的那一天而發生憾事,這一切也就不值得了。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span style="color: red;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">關於</span><span face="新細明體, serif" style="font-size: 14pt;">「</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">購屋</span><span face="新細明體, serif" style="font-size: 14pt;">」</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">在大城市購屋對理財而言是件大事,畢竟錢就這麼一套,會排擠其他理財決定,因此房屋的「所有權」(購屋)與「使用權」(租屋)的不同抉擇,就同步影響未來的生活品質。每個人對購屋的理由都不盡相同,如何在預算與夢想間取得一個平衡點,值得與家人坐下來好好討論,避免一意孤行徒增壓力。記得,有多少錢做多少事,別過度膨脹。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: red;">結語</span><span lang="EN-US"><span style="color: red;">:</span><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">其實劇中的每項理財事件,只點出了開始的原因及其中經歷的過程,而沒有明確的結果。或許,很多事本來就沒有標準答案或標準流程,一切因人而有不同的做法與建議,讓編劇刻意留下供我們思考的空間。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">若你有看過此劇,相信應該清楚知道上述的理財行為分別是對應到哪些角色。若否,其實上述的劇情重點說不定正是你我目前正所遭遇的問題,很熟悉也同時值得我們正視。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">別害怕!鼓起勇氣!讓我們一起面對這個「大債時代」!<span lang="EN-US"><o:p></o:p></span></span></p>
<h3><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; line-height: 100%; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p><span style="font-size: 14pt;"> </span><div class="separator" style="clear: both; font-size: 14pt; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEga1OHVWhHiwWHPI8JyDh1nqMl30K_Boqw98ASUfJlZo-Rrd46H0yln7TrrvYQy860KbFhBCW7aTSF3wj7KvnRN6uDU86dFjZ7KngFoMtXrttjB-4ogjITpWLwn-LB07XF82ES3n4UWN-Y/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEga1OHVWhHiwWHPI8JyDh1nqMl30K_Boqw98ASUfJlZo-Rrd46H0yln7TrrvYQy860KbFhBCW7aTSF3wj7KvnRN6uDU86dFjZ7KngFoMtXrttjB-4ogjITpWLwn-LB07XF82ES3n4UWN-Y/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><p class="MsoNormal"></p><p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; font-weight: normal; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><br /></span></p><p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; font-weight: normal; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; font-weight: normal; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; font-weight: normal; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; font-weight: normal; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; font-weight: normal; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span><span lang="EN-US"><o:p></o:p></span></p><br /><p></p></o:p></span></h3>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-50910487431528848152021-02-08T15:00:00.004-08:002021-02-08T15:13:45.535-08:00寒假作業~「不被工作綁著的防彈理財計劃」人生目標思考題<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQGiUOQdkvQjmL-MQma3NB1MBFrpnvJoBxVXRuvBCoIEOLFGHwZMCRbtGKk08UGGVTStX5oIi5XE1rvEBK9ITpP-l6mMHZKo7TiPJPtYaVWGTFISS8v1CQ156ZFhqjnduFprTAH3HyYtA/s348/123.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="348" data-original-width="348" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQGiUOQdkvQjmL-MQma3NB1MBFrpnvJoBxVXRuvBCoIEOLFGHwZMCRbtGKk08UGGVTStX5oIi5XE1rvEBK9ITpP-l6mMHZKo7TiPJPtYaVWGTFISS8v1CQ156ZFhqjnduFprTAH3HyYtA/s320/123.jpg" /></a></div><br /><p></p><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #333333; font-size: 14pt; mso-font-kerning: 0pt;">作者<span lang="EN-US">/</span></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">音頻<span style="color: #333333; mso-font-kerning: 0pt;">:</span>駱潤生<span lang="EN-US" style="mso-font-kerning: 0pt;">(Lawrence)CFP</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: Calibri;">®</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #333333; font-size: 14pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #333333; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">圖片:</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">博客來 <span lang="EN-US">books.com.tw<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">明天就是新春連假,除了期待跟好久不見的親友相聚拜年,寒暄問候之外,難得在忙碌的一整年裡面有一個比較完整的時間,可以好好靜下來思考未來,想想自己工作上的計劃及人生目標。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">我常說理財規劃就像是人生規劃,因為金錢只是用來達成人生各階段目標的工具,而並非目的,所以我們要常常思考自己的人生目標是什麼?追求的是什麼?關心的是什麼?什麼才是令你真正快樂的?什麼才是利益眾人的?從這些出發點來思考,你才可以訂定一個明確的目標。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">因</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">爲</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Microsoft JhengHei Light";">有了明確的目標才能做周全的計劃。相信大家應該都有規劃旅行的經驗,先訂好要去的目的地及時間,才會開始規劃行程,包括預算多少,住宿安排,評估風險,選擇交通工具,與誰同行,中途去哪個景點,這些林林總總,跟理財規劃非常的相似。</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">「不被工作綁著的防彈理財計劃」作者湯雅<span lang="EN-US">.</span>海斯特,<span lang="EN-US">38</span>歲跟先生一起提早退休,告別庸碌高壓的工作文化,奪回人生自主權。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">提前退休對她的意義,是感到無以言喻的自由感受,提早享受最渴望的人生,而金錢只是一個供她自由發揮的工具。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">她認為只要稍微改變金錢觀念,跳脫大多人的慣性思維,就能重新找回時間,實現不被工作綁住的夢想。而開始談錢之前,關於人生目標的設定是很重要的。找出有使命感的人生目標,才能決定退休的生活型態,以及用那種投資方式支撐生活。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">書中有<span lang="EN-US">6</span>大面向的提問,我們可以一起思考一下</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt;">:</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">1.<span style="font: 7pt "Times New Roman";">
</span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">日常生活<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">你什麼時候最快樂?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">你希望每天可以為了那件事空出時間?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">2.<span style="font: 7pt "Times New Roman";">
</span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">方向及夢想<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">你希望在人生路上完成什麼?扮演什麼樣的角色?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">你的人生待辦清單裡還有哪些事項?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">3.<span style="font: 7pt "Times New Roman";">
</span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">生命的意義<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">離開人世後,你希望別人記憶中的你是什麼樣子?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">4.<span style="font: 7pt "Times New Roman";">
</span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">自我價值的定義<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">工作上,最讓你有自信的一點是?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">工作外,你對自己哪一方面最有信心?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">5.<span style="font: 7pt "Times New Roman";">
</span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">核心關係<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">你的願景裡還有其他人嗎?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">你參與的社群中,你最重視的是哪一些?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -18pt;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt; mso-bidi-font-family: 微軟正黑體;"><span style="mso-list: Ignore;">6.<span style="font: 7pt "Times New Roman";">
</span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">生活安排<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">你希望每天在怎麼樣的環境醒來?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">那些時間點或人生的里程碑對你意義深遠?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">最後,將你得到的答案仔細總結跟歸類,或許你會得到的歸類是環保,親情,創作;或許是公益,旅行,健康。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">沒有對錯,這就是你的人生目標。<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">而你練習的時候,可以圈出你現在就可以改變的事情馬上去做;並劃掉一些不切實際的選項;將你當下無法改變,但脫離工作束縛後你願意改變的事,在底下畫線。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">若是有伴侶,也別忘了要跟另一半一起討論,儘早找出最大公約數,找出兩人共同的願景並一起成長。當然有了明確目標之後,接下來的規劃才能順理成章。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span face=""微軟正黑體",sans-serif" style="color: #c00000; font-size: 14pt;">我們一起來完成這個寒假作業吧!<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoNormal"><span face=""Microsoft JhengHei Light",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQZj20lImyv2wE2NeRC1c_yHTlKVSK_j5nDutyJj0PApKm2YF4nqUeOIeReZufR96SS54TO3_kO2jHFtKsy9GHgIecAaO1aqDQkvE1wIuDjsg7N6vC5JxnDrdxkQG773Yzn0F1wnHp7xo/s2048/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQZj20lImyv2wE2NeRC1c_yHTlKVSK_j5nDutyJj0PApKm2YF4nqUeOIeReZufR96SS54TO3_kO2jHFtKsy9GHgIecAaO1aqDQkvE1wIuDjsg7N6vC5JxnDrdxkQG773Yzn0F1wnHp7xo/s320/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" /></a></div><br /><p></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: Arial;">駱潤生(<span lang="EN-US">Lawrence Lo</span>),具有法律背景的財金碩士,目前是臺灣與中國兩岸國際認證理財規劃顧問(<span lang="EN-US">CFP®</span>),並兼任臺灣理財規劃產業發展促進會(<span lang="EN-US">TFPA</span>)副理事長,阿爾發機器人理財業務經理。致力推廣正確理財觀念,
並提供<span lang="EN-US">ETF</span>資產配置、退休金規劃等相關諮詢試算服務。</span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: Arial;">歡迎來信諮詢討論<span lang="EN-US">:<a href="mailto:camel40tw@gmail.com">camel40tw@gmail.com</a></span></span><span lang="EN-US"><o:p></o:p></span></p><br /><p></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-50265557198284646832021-02-08T04:40:00.003-08:002021-02-08T04:41:32.024-08:00【一位CFP的日常】擺脫「超充實」的生活,改採放緩腳步、減少慾望的「減法」人生<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0t_l4b_RmDsXqJ04KfijCh45_IrxgtMFalt5ejB_rKiVTAyedqjSxaBiddkBGIg45hv9M2QUQi4yjS1qpzMAM7h25v5ejoenuaHiDwXMlNL9psr2qxbz7St9ls_it6Y9LiwqQtTJ5LxM/s1788/123.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1523" data-original-width="1788" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0t_l4b_RmDsXqJ04KfijCh45_IrxgtMFalt5ejB_rKiVTAyedqjSxaBiddkBGIg45hv9M2QUQi4yjS1qpzMAM7h25v5ejoenuaHiDwXMlNL9psr2qxbz7St9ls_it6Y9LiwqQtTJ5LxM/s320/123.jpg" width="320" /></a></div><br /> <p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">作者 : 蔣竣植 (CFP)<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">圖片</span><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">:</span><span lang="EN-US">Photo by
<a href="https://unsplash.com/@fabrizioverrecchia?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Fabrizio
Verrecchia</a> on <a href="https://unsplash.com/s/photos/busy?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">多年來的財務諮詢案例,累積了不少案例,在提供建議調整方向的同時,也悟出不少道理。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><b><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">原來,很多財務問題都是「自找」的..... <o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">當「手機沒電」所產生的恐懼感大過於「皮夾沒錢」的那天,其實就是宣告將有許多訊息傳入你的腦袋、許多刺激將映入你的眼簾、許多商品將瓜分你的戶頭內的數字......當手機成為我們身體的一部分、使用手機等同於「呼吸」的情況之下,此時「自律」就成了能否改善未來生活的關鍵。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoListParagraph" style="line-height: 115%; margin-bottom: 10.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-para-margin-bottom: 10.0pt; mso-para-margin-left: 0gd; mso-para-margin-right: 0cm; mso-para-margin-top: 0cm; text-autospace: none; text-indent: -18.0pt;"><!--[if !supportLists]--><span style="color: #c00000; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #c00000; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">買了太多東西給自己<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><b><span lang="EN-US" style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「你真的需要這些東西嗎?」在諮詢生活收支時很常問的一句話。 <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">而答案不外乎是「當時覺得還蠻需要、當時工作壓力大.....」或者,看著我傻笑不說話。當慾望多了,家裡的東西就跟著多了;相對的,所居住的空間就感覺小了,荷包也跟著瘦了,最後可能因環境與財務的紊亂而讓心情糟了。若已確認每多買一項商品,所延伸出對後續的影響是如此的巨大,體悟在消費時的量力而為,執行先儲蓄後消費的習慣,或許是較為簡易的調整方式。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">知易行難,對吧?<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">最近看到一篇外國的文章提到,身為財務顧問的我們,常會遇到需要相對「努力」的案例,在此所定義的「努力」並非案例內容複雜,而是指要協助一個財務上還沒做好準備接受幫助的人,是相對困難的。畢竟財務規劃是雙向互動的過程,客戶也要願意做改變,否則你給他再好的建議也是徒勞無功,很多時候甚至其實他們自己也都知道哪裡要改,但就差在一個破釜沈舟的決心與執行力吧!<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="line-height: 115%; margin-bottom: 10.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-para-margin-bottom: 10.0pt; mso-para-margin-left: 0gd; mso-para-margin-right: 0cm; mso-para-margin-top: 0cm; text-autospace: none; text-indent: -18.0pt;"><!--[if !supportLists]--><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #c00000; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">找了太多事情給自己</span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> <o:p></o:p></span></p>
<p class="MsoListParagraph" style="line-height: 115%; margin-bottom: 10.0pt; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; mso-para-margin-bottom: 10.0pt; mso-para-margin-left: 0gd; mso-para-margin-right: 0cm; mso-para-margin-top: 0cm; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「你真的要把自己搞的那麼忙嗎?」在諮詢投資理財時很常問的一句話。 <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">而答案常是「對未來感到恐慌,所以想在線上課程多學點東西、就不知道如何拒絕別人的請求、錢不夠用想透過投資多賺一點......」其實常在想,對未來的恐懼這件事到底是誰造成的?其實到頭來還是社群媒體,尤其很多人習慣性在社群媒體上報喜不報憂,相較之下常會覺得那自己怎會把日子過成這樣?而當瀏覽越多新聞及影片,許多對未來的想像,無論好壞都會無限延伸。各位可嘗試擱置手機個幾天,只接電話不上網,會發現日子會輕鬆許多,沒什麼大不了。
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">投資其實也該慢一點,緩一下。短線投資從來不怕你無法獲利,只怕你獲利但卻守不住錢;短線投資從來不擔心你沒空盯盤,只擔心你盯盤盯到忘了本業。投資理財應該是讓未來的日子過的更好,未來的財務更健全,但卻為何成了「你不理財,財不理你;一旦理財,財離開你?」唯有找出適合自己的投資策略,才能體會投資理財的意義,將阻力化為助力。
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">減法人生指的無論是物質或是人生其實不用那麼地「充實」。少一點慾望,就能少一點支出與困擾;少一點擔憂,就能少一點壓力與行動。
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">調整一下,別再給自己「找麻煩」了,好嗎?<o:p></o:p></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><b><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><br /></span></b></p>
<p class="MsoNormal"><span lang="EN-US"><o:p></o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiR5wRB06EJu5Nd6G3yPVVSBTxzsq1X-hZ2H2x8_3I3qY-xk-hVdxIQfdAQkIvFlCgQ-hozqsfNGzoAqej7GIVqR64GoHqAOWLdYuo4z0qphnR9Wz7IHuVkMoRo1XldrvrHl_M8vGQr2GA/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiR5wRB06EJu5Nd6G3yPVVSBTxzsq1X-hZ2H2x8_3I3qY-xk-hVdxIQfdAQkIvFlCgQ-hozqsfNGzoAqej7GIVqR64GoHqAOWLdYuo4z0qphnR9Wz7IHuVkMoRo1XldrvrHl_M8vGQr2GA/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><br /> <p></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 10.0pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span><span lang="EN-US"><o:p></o:p></span></p>
<div class="line-it-button" data-color="default" data-count="true" data-lang="zh_Hant" data-size="large" data-type="share-a" data-url="https://cfphelpyou.blogspot.com/2021/02/cfp_8.html" data-ver="3" style="display: none;"></div><script async="async" defer="defer" src="https://d.line-scdn.net/r/web/social-plugin/js/thirdparty/loader.min.js"></script><br />
<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-11640623646792539152021-02-08T01:58:00.011-08:002021-02-08T02:08:46.280-08:00【一位CFP的日常】財務諮詢所解決的是人生的難題,同時也在減輕情感的負荷<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh19Ygl97Hf4YsYXCTFwK4N9oMGEIy7I1TneL74jh8XKRvElFZGPRE3UrFLF3cdQ4w0QoPzFpRrNIb_P9K0WGMpNLfCAxeGIFzGr5764eggiRcsa20Svhan9oCV2YhoX7-2QPn2kTx6tmo/s2048/456.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1365" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh19Ygl97Hf4YsYXCTFwK4N9oMGEIy7I1TneL74jh8XKRvElFZGPRE3UrFLF3cdQ4w0QoPzFpRrNIb_P9K0WGMpNLfCAxeGIFzGr5764eggiRcsa20Svhan9oCV2YhoX7-2QPn2kTx6tmo/s320/456.jpg" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">作者 : 蔣竣植 (CFP)<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">圖片</span><span style="font-family: "Microsoft JhengHei UI",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">:</span><span lang="EN-US" style="color: #111111; font-family: "Helvetica",sans-serif; font-size: 10.5pt; line-height: 115%;">Photo by </span><span lang="EN-US"><a href="https://unsplash.com/@callumskelton?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" style="box-sizing: border-box; text-decoration-skip-ink: auto; transition: color 0.1s ease-in-out 0s, opacity 0.1s ease-in-out 0s;"><span style="color: #767676; font-family: "Helvetica",sans-serif; font-size: 10.5pt; line-height: 115%;">Callum Skelton</span></a></span><span lang="EN-US" style="color: #111111; font-family: "Helvetica",sans-serif; font-size: 10.5pt; line-height: 115%;"> on </span><span lang="EN-US"><a href="https://unsplash.com/s/photos/emotion?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" style="box-sizing: border-box; text-decoration-skip-ink: auto; transition: color 0.1s ease-in-out 0s, opacity 0.1s ease-in-out 0s;"><span style="color: #767676; font-family: "Helvetica",sans-serif; font-size: 10.5pt; line-height: 115%;">Unsplash</span></a></span><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「財務規劃從來就不僅是數字的移動,其中隱含著許多情感的因素。」</span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">~</span></b><span style="font-size: 14pt;">我個人多年的諮詢體悟。</span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> <span><br /></span></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">與爸媽同住在公寓四樓的曉玲,近期發現爸媽在爬樓梯時稍顯吃力,腦海閃過購買電梯大樓的想法,但卻擔心未來房貸的負擔太大,同時也排擠了退休金的準備,來信詢問在財務和孝順之間是否有兩全其美的做法。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> <span></span></span></p><a name='more'></a><p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">看似隨口提問的一個想法,其實背後是財務與生活間許多經歷的層層堆疊。這答案絕非「選擇題」般的單純,而需「申論題」的邏輯推演。但答案能否確實解決問題,就取決於你對這道題目的了解有多深。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">既然這不是只要把公寓賣掉變現,然後改買電梯大樓那麼簡單,此時「個人財務報表」就該登場,藉此可從財務數字中拼湊出過去的生活歷程。年近四十且工作順遂的曉玲,在有房可住的情況下,多年前便積極的在準備個人的養老退休金,目前已累積約250萬的單筆與月領1萬的退休資金,算是有相當不錯的退休規劃觀念與進度。
<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「理論上把賣掉公寓的錢轉買電梯大樓,應該比挪用原本的退休資金來的輕鬆,否則買一間電梯大樓的貸款至少20年以上,到時退休這件事豈不就無解?」對於我能理解曉玲的困擾,讓她頻頻點頭。
<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「但爸媽說公寓是他們當年努力打拼賺來的,所以捨不得賣。」我懂曉玲爸媽的捨不得,卻也懂這句</span><b><span face="標楷體" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span></b><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">捨不得</span></b><b><span face="細明體" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span></b><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">背後的矛盾。 <o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">在不願賣掉公寓,也不願放棄退休規劃,那電梯大樓的錢該從何而來? </span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">回到一開始曉鈴想解決的問題</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">:</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">希望爸媽不用再爬樓梯</span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> 「改租一間有電梯大樓的房子如何?」 曉鈴的眼睛突然亮了起來。
<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">以租代買的方案有著資金上的彈性,讓曉鈴保有退休準備金,也同時解決了爸媽生活起居的問題。等未來的某一天,爸媽年華老去,至少曉鈴還有原本的公寓可住,至於公寓的產權該如何與曉鈴的弟弟妥善分配,就留待後續再行討論,畢竟這又牽涉到姊弟倆未來依舊是保持單身或是有了自己的家庭,不同的人口組成,需思考的狀況差異會很大。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">若再多想一些,等曉鈴老了是否也有需要改住到電梯大樓的問題?若這是個真議題,在此之前,或許同時積極規劃退休資金與老年的購屋金,才是個務實的策略吧!<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">有人說</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">:</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">結婚,不是兩個人的事,而是兩家人的事。<o:p></o:p></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">而我說<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">財務,不是一個人的事,而是一家人的事。<o:p></o:p></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">藉著諮詢討論,可慢慢釐清財務現況,也可清楚瞭解想規劃事項的先後順序。而這,也是我願意持續走在這條路上的原因……<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">若有財務上的任何想法,歡迎你來信聊聊: <a href="mailto:georgechiang@mail2000.com.tw">georgechiang@mail2000.com.tw</a><o:p></o:p></span></p><p class="MsoNormal"><span lang="EN-US"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyass6ZB8sZ4Rx969npkz-BYvSlOstoTb1KKxpoMiIhjp5Ih3NJJOyHhtgwsKcXkAoaxdFtFsNR9FjqgdETaWbSF49XVdxXZSYBiODUSTNjCVyeLJAAs8svEr2wifX3xz2IWenGeZhmRg/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; 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mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p><p>
<span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-font-family: 微軟正黑體; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-54878365303126052682021-01-26T01:12:00.007-08:002021-01-26T01:19:36.050-08:00【投資穩穩學】期待上漲卻害怕下跌的矛盾投資心情,其實只要一招就能解決!<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwNMnOs3-2ir1LrXXJgU_8lwgVwPvU6Gh_UgfuPvvauRPBj66gbaFF5ri9Cs2MmOzDdA9VNtsJzb-HWo43_JL1B-znz5DvEPPxPVsy3S3x3yAjH9K6B-AY1urM4FS2dHn8lZmtBMLJda8/s2048/anh-nguyen-v-NBXj3Yv5o-unsplash.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1509" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwNMnOs3-2ir1LrXXJgU_8lwgVwPvU6Gh_UgfuPvvauRPBj66gbaFF5ri9Cs2MmOzDdA9VNtsJzb-HWo43_JL1B-znz5DvEPPxPVsy3S3x3yAjH9K6B-AY1urM4FS2dHn8lZmtBMLJda8/s320/anh-nguyen-v-NBXj3Yv5o-unsplash.jpg" /></a></div><br /><p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><br /></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">作者 : 蔣竣植(CFP)<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">圖片</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">:</span><span lang="EN-US">Photo by
<a href="https://unsplash.com/@pwign?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Anh
Nguyen</a> on <a href="https://unsplash.com/s/photos/sorrow?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">近期高漲的投資氛圍,讓投資大眾無論進場與否,都呈現了苦惱與焦躁的心情。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「沒買,怕錯過持續上漲的賺錢機會;買了,卻害怕成了開始下跌的地獄倒霉鬼。似乎怎麼做都不對,該怎麼辦才好?」網友來信這樣問到。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">你真的知道投資會漲也會跌嗎</span></b><b><span face=""Microsoft JhengHei UI",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">?</span></b><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">若有長期追蹤我的文章,應該知道我又要再次分享「定期定『值』」在投資上的優勢了。的確,身為一位「懶人投資法」的奉行者,既沒時間看盤,又害怕下跌風險,實在沒道理不分享給與我有相同投資困擾的朋友!<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">首先,回到投資的幾個基本觀念,就以「<span style="color: red;">波動風險</span>」而言,投資會漲但也會跌,對吧</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">?</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">會這樣問實在是很多人在投資的過程中常常會忘了這件事,看似稀鬆平常的持續上漲,卻會在下跌時驚訝不已,若你手上的標的是「<span style="color: red;">聽來的</span>」,其實無論上漲或是下跌,都只是運氣使然,與賭博無異。而或許是時間寶貴,所以投資都想賺快錢(怪了!投資沒有耐心等待,但排隊買東西再久卻都會有耐心</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">?</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">!)而賺快錢的唯一途徑就是單筆投資,只要金額夠大,就算獲利率不高,相乘之下的獲利金額也很可觀。當然了,若是下跌的虧損金額也會很可觀。因此,單筆投資僅有對上漲的期待,卻害怕下跌的到來。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">為何下跌時也能笑得出來</span></b><b><span face=""Microsoft JhengHei UI",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">若你願意用時間來換取未來的可能獲利,那「<span style="color: #0070c0;">定期定額</span>」會是值得的投資策略,這樣說好了,運用定期定額的策略的投資者,對市場上漲是開心的,只不過由於分批投資的緣故,賺的當然沒有單筆投資來的多。有趣的是,當市場下跌時也是開心的,因為雖然虧損,但同時卻能用更便宜的價格買到股數或單位數,能有效壓低平均購入成本。試問,去哪找的到無論上漲或下跌都能讓人開心的投資策略</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">?</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">當然了</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">,</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">這並不適用所有投資標的,而這部分留待未來再與各位分享。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">若你能接受需用時間配合的定期定額投資策略,接著我們再來討論投資管理的問題,常發現一些有趣的現象,例如積極的單筆投資策略會讓人頻繁盯盤,有時會不小心忽略了自己原本的工作。而相對消極的定期定額投資策略卻也會不小心忘了它的存在(可能金額太少),或許幾年後才會猛然想起來,若能幸運獲利也就罷了,但若虧損可能就不容易救了。其實分散投資的定期定額策略,雖然因分散投資而降低波動風險,但當累積到一定的金額時,就相當於一個大單筆,屆時定期定額與單筆並無不同,因此定期檢視就成了可否保存獲利的關鍵。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">而</span><span face="標楷體" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">定期定值</span><span face="標楷體" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">其實就是透過自動的定期定額配合手動的加減碼,讓獲利確實落袋,甚至能累積下一次加碼的所需資金,可謂一舉兩得。(詳細的基本操作策略可參考文末的連結。)<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">了解投資工具+確認投資策略+享受時間價值=未來的獲利可期<o:p></o:p></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><br /></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"></p><p class="MsoNormal" style="background: none; line-height: 20.4pt; mso-layout-grid-align: none; mso-pagination: widow-orphan; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #212529; font-size: 15pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">延伸閱讀<span lang="EN-US">:</span></span></b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #212529; font-size: 15pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: none; line-height: 20.4pt; mso-layout-grid-align: none; mso-pagination: widow-orphan; text-autospace: none;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #212529; font-size: 15pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><a href="https://vocus.cc/georgechiangpudding/5d5e547ffd8978000194f142" target="_blank"><span lang="EN-US" style="color: #ff485a;"><span lang="EN-US">【懶人投資研究室】定期定值法的基本觀念(</span></span><span lang="EN-US" style="color: #ff485a;"><span lang="EN-US">一)</span></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="background: none; line-height: 20.4pt; mso-layout-grid-align: none; mso-pagination: widow-orphan; text-autospace: none;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #212529; font-size: 15pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><a href="https://vocus.cc/georgechiangpudding/5d663ce9fd8978000114a342" target="_blank"><span lang="EN-US" style="color: #ff485a;"><span lang="EN-US">【懶人投資研究室】定期定值法的基本觀念(</span></span><span lang="EN-US" style="color: #ff485a;"><span lang="EN-US">二)</span></span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #212529; font-size: 15pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><a href="https://vocus.cc/georgechiangpudding/5d70d3f8fd897800017cd504" target="_blank"><span lang="EN-US" style="color: #ff485a;"><span lang="EN-US">【懶人投資研究室】定期定值法的基本觀念(</span></span><span lang="EN-US" style="color: #ff485a;"><span lang="EN-US">三)</span></span></a></span><span lang="EN-US"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxqJz-ZeVpLMbGivsFcC4hoZxcGhbZXL_VM4m62IC8l63zhC1xcOIJw8dEEuZyzm-fkPy60n3D-yXnBrXqQZQKa1pKwvuHAa-Dvp9VK-jNjQT_i4F7d1qC31ZAy4k-0hAmztKsvNlZ11M/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxqJz-ZeVpLMbGivsFcC4hoZxcGhbZXL_VM4m62IC8l63zhC1xcOIJw8dEEuZyzm-fkPy60n3D-yXnBrXqQZQKa1pKwvuHAa-Dvp9VK-jNjQT_i4F7d1qC31ZAy4k-0hAmztKsvNlZ11M/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><br /><p></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span><span lang="EN-US"><o:p></o:p></span></p><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"></span></b><p></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-40325191004377403432021-01-17T00:27:00.003-08:002021-01-18T06:37:04.020-08:00【投資理財】如何避免投資的「近因偏誤」<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2dswD3NOxtTU_-8pFZ2Ye8yLhwQpmNS18-DI68F_3TnY77Gh3kiZn2r9XVD21qg_9Odtdrz7D21PHUINosIgyn0HNEC6cXqmNA4dx9L7XJt0h0NHAWR4IK3uEfj1NLjs__2Owtl4Xc90/s2048/raphael-rychetsky-li9JfUHQfOY-unsplash.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2dswD3NOxtTU_-8pFZ2Ye8yLhwQpmNS18-DI68F_3TnY77Gh3kiZn2r9XVD21qg_9Odtdrz7D21PHUINosIgyn0HNEC6cXqmNA4dx9L7XJt0h0NHAWR4IK3uEfj1NLjs__2Owtl4Xc90/s320/raphael-rychetsky-li9JfUHQfOY-unsplash.jpg" width="320" /></a></div><br /><p></p><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: #333333; font-size: 14pt; mso-font-kerning: 0pt;">作者:</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">駱潤生<span lang="EN-US" style="mso-font-kerning: 0pt;">(Lawrence)CFP</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: Calibri;">®<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: Calibri;">圖片:</span><span lang="EN-US">Photo by <a href="https://unsplash.com/@raphaelfyi?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Raphael
Rychetsky</a> on <a href="https://unsplash.com/s/photos/farm?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #333333; font-size: 14pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">「家人曾在股市慘賠,叫我千萬不要投資股市,因為股市風險太高了。」<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">「長輩親戚都是靠買房致富的,我一有資金就買房。」<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">這是常聽到朋友的說法</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">……</span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">行為金融學中有一種「近因偏誤」,在說明投資人在過往的投資經驗中,對整個投資市場和投資工具的印象和體驗,會形成一種定見,而且會認為將持續下去。「近因偏誤」通常會造成投資人過度保守或是過度承擔風險。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">例如<span lang="EN-US">80</span>年代的美國,是股市的黃金十年,美國股市期間共上漲了將近<span lang="EN-US">400%</span>,<span lang="EN-US">90</span>年代又因網路科技快速發展而延續漲勢。而奇怪的是,美國家庭投資股票及股票型基金卻持續減少,錯失了絕佳的成長機會。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">究其原因,部份是由於<span lang="EN-US">70</span>年代的悲慘記憶所延續的信心不足所造成的。當時國內財政赤字,高通膨高失業率;外部又有越戰、中東石油危機等內憂外患,近十年股市零成長,並伴隨著多次大跌的恐慌,在那期間的投資人,歷經這長期的負面經驗,到他們成長為社會中堅或經濟較寬裕後,卻因有了股市充滿風險的印象,而不敢投入股市,這觀念甚至會影響到下一代。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">近期一點的例子,<span lang="EN-US">2008</span>年金融海嘯後,相信大多數人也因為餘悸猶存不敢投入股市,沒有跟上美國長達<span lang="EN-US">10</span>年以上的牛市,而錯失了資產成長的美好機會。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt;">相反的,若印象經驗中大都是美好的,也可能會過度承擔風險!<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">80</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">年代的日本,因二戰後大力發展製造業,經濟來到了頂峰,「日本製造」成了品質保證。日本三菱地產斥巨資購買了美國紐約的洛克菲勒中心大廈並插上日本國旗,更是引起世界的轟動。但物極必反,好景不常。美國為解決美日貿易逆差,主導五國聯合干預外匯市場的「廣場協議」,促使日圓升值。雖然因為多數人購買進口商品的購買力增強,短期出現了一波榮景,但卻導致出口產業失去競爭力而倒閉,勞動製造業大量外移。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">日本政府採取了寬鬆的貨幣政策來因應,連續下調利率,用極低利率來放貸,而來自銀行的大量貸款又流入了房市。當時僅東京都的地價就相當於美國全國的土地價格,而美國的面積則是東京的<span lang="EN-US">1.5</span>萬倍。<span lang="EN-US">1991</span>年後,房產和金融泡沫相繼發生,經濟崩盤,日本「失落的二十年」,至今元氣未復。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">在那個日本人自信爆棚的時期,所有人都認為繁榮終將持續而瘋狂投入市場炒股買房。怎會料到<span lang="EN-US">1992</span>年,股價暴跌到<span lang="EN-US">1990</span>的三分之一,東京地價更是跌到了泡沫時期的七分之一。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">但綜觀不同時空</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">……</span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -24pt;"><!--[if !supportLists]--><span lang="EN-US" style="color: #0070c0; font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;">2008</span><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">年海嘯後十年,日本房市不見起色但股市卻漲了近三倍。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -24pt;"><!--[if !supportLists]--><span lang="EN-US" style="color: #0070c0; font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">新興市場股市在<span lang="EN-US">1990</span>年代共上漲了<span lang="EN-US">185%</span>。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -24pt;"><!--[if !supportLists]--><span lang="EN-US" style="color: #0070c0; font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #0070c0; font-size: 14pt;">2000</span><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt;">年到<span lang="EN-US">2009</span>年美國股市失落的十年,當時<span lang="EN-US">S&P500</span>指數的年化報酬率只有<span lang="EN-US">1.4%</span>,國際股市年化報酬率則有<span lang="EN-US">3.9%</span>,但新興市場股市的年化報酬率則是驚人的<span lang="EN-US">16.2%</span>。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt;">所以市場是難以捉摸的!<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">從美國最大的獨立投資諮詢公司之一<span lang="EN-US">Callan</span>所統計的圖表</span><span style="font-size: 18.6667px;">:</span></p>
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZL8brKYjHThXAJ7a__ncXiW8vaMFIZQfAeK7aZLRBXtTToCluuRhlEuIFgehLRlNrWgWUGxL6Fpyl4G2u5sm-J_uO1MSrCWSNREepqGtyt1wYVYl3kY3WW3jhaGJjbKmo54AAFZKqQ5E/s1526/C48BE6F6-959A-4E18-A554-7D26B7F31E70.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="776" data-original-width="1526" height="326" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZL8brKYjHThXAJ7a__ncXiW8vaMFIZQfAeK7aZLRBXtTToCluuRhlEuIFgehLRlNrWgWUGxL6Fpyl4G2u5sm-J_uO1MSrCWSNREepqGtyt1wYVYl3kY3WW3jhaGJjbKmo54AAFZKqQ5E/w640-h326/C48BE6F6-959A-4E18-A554-7D26B7F31E70.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">可以清楚看到</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">2000-2019</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">年,全世界各類資產的周期。</span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: red; font-size: 10pt;">[</span><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 10pt;">包括大型股(<span lang="EN-US">S</span>&<span lang="EN-US">P 500</span>),小型股(<span lang="EN-US">Russell 2000</span>),在美國以外已開發市場股票(<span lang="EN-US">MSCI World ex USA</span>),新興市場股票(<span lang="EN-US">MSCI</span>新興市場),美國固定收益(彭博巴克萊美國綜合債券指數),高收益債券(彭博巴克萊高收益債券指數),全球除美國外固定收益(<span lang="EN-US">Bloomberg Barclays Global Aggregate ex US Bond Index</span>),房地產(<span lang="EN-US">FTSE EPRA Nareit</span>開發的<span lang="EN-US">REIT</span>指數),或現金等價物(<span lang="EN-US">90</span>天期國庫券)是由美國政府財政部支持的短期債務。<span lang="EN-US">]<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">由圖可知,過去<span lang="EN-US">20</span>年間不同市場及資產的輪動,你會發現,要想精準預測出每年表現最好的投資標的是非常困難的。如果你死守著單一市場,或是單一產業,因</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體;">爲</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Microsoft JhengHei Light";">「近因偏誤」造成的過度保守或是過度承擔風險,都會造成投資上的失敗。</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;">Vanguard</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">創辦人約翰柏格曾說:「與其在稻草堆裡找<span lang="EN-US">1</span>根針,不如買下整堆稻草。」對於全球各類資產進行分散投資的投資人來說,確實才可以分散風險,並掌握到全世界的成長。<span lang="EN-US" style="mso-no-proof: yes;"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt;"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTecoKtg5-2tLHCgcLPu-sNNSWbiEo371LbzsTsE4SsOCfsQ2AgHcRRUYtaSXu9xiJHTXBXb66CQmOEAw7KdTjNRjlY46cFxhiegKzTsYBW0Vo8pkawQlMXk7K9BZz0tFfFwmFELYITyc/s2048/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTecoKtg5-2tLHCgcLPu-sNNSWbiEo371LbzsTsE4SsOCfsQ2AgHcRRUYtaSXu9xiJHTXBXb66CQmOEAw7KdTjNRjlY46cFxhiegKzTsYBW0Vo8pkawQlMXk7K9BZz0tFfFwmFELYITyc/s320/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" /></a><div class="separator" style="clear: both; text-align: center;"><br /></div></div><br /><p></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: Arial;">駱潤生(<span lang="EN-US">Lawrence Lo</span>),具有法律背景的財金碩士,目前是臺灣與中國兩岸國際認證理財規劃顧問(<span lang="EN-US">CFP®</span>),並兼任臺灣理財規劃產業發展促進會(<span lang="EN-US">TFPA</span>)副理事長,阿爾發機器人理財投資顧問經理。致力推廣正確理財觀念,
並提供<span lang="EN-US">ETF</span>資產配置、退休金規劃等相關諮詢試算服務。</span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: Arial;">歡迎來信諮詢討論<span lang="EN-US">:<a href="mailto:camel40tw@gmail.com">camel40tw@gmail.com</a></span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 10pt;"><o:p></o:p></span></p><br /><p></p>
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<br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-67050880979893044572020-12-30T19:57:00.003-08:002020-12-30T20:00:35.936-08:00【國際大小事】「英國脫歐」提醒我的人生四件事<p> </p><h3><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; line-height: 300%; mso-themecolor: text1;">作者<span lang="EN-US"> : </span>蔣竣植<span lang="EN-US"> (CFP)</span></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; font-weight: normal; line-height: 300%; mso-bidi-font-weight: bold; mso-themecolor: text1;"><o:p></o:p></span></h3>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">英國人從投票確認要脫離歐盟那天起,到今日也過了一千六百多天。常在想英國人在這段期間是如何度過的?當初在投票前可能也不曾想過是這樣的結果,而這個</span><span face=""新細明體",serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">脫離</span><span face=""新細明體",serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">的流程會延宕那麼長的時間,甚至對生活及工作等造成極大的影響。在地球另一端看似與「英國脫歐」無關的我們,又該學習到什麼?其實至少有四個面向可供我們思考:<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -24pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><span style="color: #2b00fe;">公投內容:是否攸關未來</span><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">民主意識的抬頭,相信未來漸漸會有許多可供民眾透過公民投票來決定的議題,對投票這個動作而言,只不過是選票上的一段問句,然後你只要決定投下贊成與否即可,接著政府會依多數決而開始執行後續的政策。但,我們在投票之前,是否有確實了解為何會有這個議題產生<span lang="EN-US">?</span>是真的值得由公民來決定、還是僅是政客當初的選舉政見<span lang="EN-US">?<o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">當初英國前首相卡麥隆<span lang="EN-US">(</span></span><span face=""Arial",sans-serif" lang="EN-US" style="background: none; color: #202122; font-size: 11.5pt;">David William Donald Cameron</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">)</span><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">在競選連任時的對手正是目前的英國首相強森</span><span face=""Arial",sans-serif" lang="EN-US" style="background: none; color: #202122; font-size: 11.5pt;">(Alexander Boris de Pfeffel Johnson</span>)<span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">,而民眾當初對卡麥隆在第一任時的施政頗有微詞,連任之路或許不是那麼順遂,此時對手強森又提出了只要當選就舉辦英國脫歐公投的政見,迫使卡麥隆也隨即提出相同的政見來抗衡。與其說</span><span face=""新細明體",serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">英國脫歐公投</span><span face=""新細明體",serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">這政見的重要,不如說是選舉的手段之一吧<span lang="EN-US">!</span>競選連任成功的卡麥隆打從心底也不覺得這公投會通過,所以無論是政見或是上任後的執行不過是跑流程罷了,沒甚麼大不了<span lang="EN-US">!<o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">民眾在選擇贊成與不贊成的選項後,後果及影響又是為何?是否在選前有審慎評估、討論<span lang="EN-US">?</span>選後的分析又發現到年長者支持脫歐的比例較高,年輕的反而支持留歐的比例較高,但這脫歐的選舉結果卻是影響年輕人未來的工作及生活,導致當時出現了未來若公投的議題會關係到未來,能否加重年輕人的投票權重這樣的聲音<span lang="EN-US">!</span>這類議題可不是就算選錯了人,幾年後還可以重選一次那樣地單純,而是有著深遠的影響。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -24pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><span style="color: #2b00fe;">網路做票:操控投票意志</span><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">早期,選舉期間的「買票文化」一直被人所詬病,只要塞個錢給民眾,基於良心大多會投給該候選人,讓「選賢與能」的制度反而成了「資金雄厚與否」的競爭。隨著網路科技的發達,早先所購買民眾投票意志的錢,已省去了逐戶發放的困擾,改將資金轉投在做數據分析的相關公司,例如「劍橋分析」等針對社群媒體的大數據分析公司,透過分析後了解每個人的喜好及思維,再透過客製化的影片、廣告等以扭轉或強化個人的投票意志,引導民眾投下金主們所期待的選舉結果。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">隨著資訊的發達,「獨立思考」反而成了現代人急需培養的能力。你從網路上所看到的每一則影片或新聞,可不每個人都看的到,或許只有包括你在內的特定族群才會看到。這樣的訊息接收誤判,卻有著「資訊同溫層」的風險,會誤認為大家的想法都與你相同,等到出現不同的結果時,憤怒與崩潰的心情卻要久久才能平復。原來,現在比過去還要更容易操控選舉<span lang="EN-US">……<o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -24pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><span style="color: #2b00fe;">突發事件:重大風險控管</span><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">在比半數多那麼一點的<span lang="EN-US">51.9%</span>通過支持英國脫歐後,隨著這幾年英國和歐盟談判的風風雨雨,一些企業因擔心萬一無法達成協議導致出現「硬脫歐」,因此提早撤離英國,讓部分民眾失去了工作,可謂是僅少了距離感的「蝴蝶效應」。昨天不過是在家附近投個票,今天卻沒了工作<span lang="EN-US">?</span>這一切可否歸類於極端的重大風險<span lang="EN-US">?</span>是否百年難得一遇<span lang="EN-US">?</span>但既然發生了就得面對,不是嗎<span lang="EN-US">?</span></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-size: 14pt;"><br /></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span style="font-size: 14pt;">其實仔細想想,除了公投的影響,目前我們每個人的工作都該有風險意識才對,你我所待的產業可能隨時被某個科技所取代、可能因某件事而衰退、甚至是被迫消失</span><span lang="EN-US" style="font-size: 14pt;">(</span><span style="font-size: 14pt;">例如</span><span lang="EN-US" style="font-size: 14pt;">2020</span><span style="font-size: 14pt;">的新冠肺炎事件所造成的影響</span><span lang="EN-US" style="font-size: 14pt;">)</span><span style="font-size: 14pt;">。未來可能甚少有份工作能讓你待上一輩子,既然工作內容被取代或消失只是時間早晚的差別,我們是否該趁早提升或培養工作能力、專業技能等,努力別讓自己在未來的某一天說出</span><span lang="EN-US" style="font-size: 14pt;">:</span><span style="font-size: 14pt;">「天啊</span><span lang="EN-US" style="font-size: 14pt;">!</span><span style="font-size: 14pt;">怎麼會這樣</span><span lang="EN-US" style="font-size: 14pt;">?</span><span style="font-size: 14pt;">」</span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -24pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><span style="color: #2b00fe;">投資工具:賭一把的思維</span><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">確定公投通過的當天,英鎊兌美元呈現<span lang="EN-US">90</span>度垂直下墜式的貶值,因為這投票結果實在太過令人驚訝。不過這同時也意味著影響匯率市場的投資變數並不亞於股票市場的投資變數,可能是某個政治人物的一句話,也可能是某個突發事件,任何一個細微的風吹草動都有可能影響匯率的波動。又,跌了那麼深,能否趁低撿便宜<span lang="EN-US">?</span>從圖上走勢看起來似乎有這樣的味道,不過這也要看你操作的時間長短,因為在<span lang="EN-US">2020</span>年<span lang="EN-US">3</span>月肺炎疫情相對嚴峻之際,英鎊對美元的匯率又貶至較公投時更低的價格。或許,別碰你不瞭解的投資工具,才是持盈保泰的獲利關鍵吧<span lang="EN-US">?<o:p></o:p></span></span></p><p class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRK9-fNSJhjvIuxbcIRA-bNxWXiv77d7CxHtTYv4-5f37EDSz-o5ZJCu4zSMucMLhHij4N0TDMeo29Ft8lTuLj3i8YWqhJ2aFf3euD4X_sqZUYDy__dnWeXGvraMefmWaXFhrI2bf-Z-c/s1333/2.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="682" data-original-width="1333" height="328" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRK9-fNSJhjvIuxbcIRA-bNxWXiv77d7CxHtTYv4-5f37EDSz-o5ZJCu4zSMucMLhHij4N0TDMeo29Ft8lTuLj3i8YWqhJ2aFf3euD4X_sqZUYDy__dnWeXGvraMefmWaXFhrI2bf-Z-c/w640-h328/2.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"></div><p></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">英鎊兌美元歷史走勢 <span lang="EN-US">(</span>圖片來源<span lang="EN-US"> : </span>基智網<span lang="EN-US">)<o:p></o:p></span></span></p><p align="center" class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; text-align: center;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span lang="EN-US"><br /></span></span></p><p class="MsoNormal"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">除非手上握有水晶球,否則沒人可預知未來的結果。無論你的選擇是甚麼,公投的結果本來就該由全國民眾來承擔,只是並非每個人都扛的住這樣的風險。許多看似單純的政治議題,仔細研究後其實大多是民生議題,影響著未來的你我。原來,政治離我們那麼的近<span lang="EN-US">……<o:p></o:p></span></span></p><h3><br /></h3><div><div class="graf--p" data-block="true" data-editor="edh5" data-offset-key="7t6k2-0-0" style="background-color: none; box-sizing: border-box; color: #212529; font-family: "Microsoft JhengHei fixed", "Helvetica Neue", "Microsoft JhengHei", Helvetica, "Segoe UI", Tahoma, Arial, sans-serif; font-size: 20px; letter-spacing: 0px; line-height: 1.7em; margin: 12px auto 40px; max-width: 740px; padding: 0px; white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7t6k2-0-0" style="box-sizing: border-box;"><span data-offset-key="7t6k2-0-0" style="box-sizing: border-box;">歡迎報名:</span></div></div><div class="graf--p" data-block="true" data-editor="edh5" data-offset-key="2nndv-0-0" style="background-color: none; box-sizing: border-box; color: #212529; font-family: "Microsoft JhengHei fixed", "Helvetica Neue", "Microsoft JhengHei", Helvetica, "Segoe UI", Tahoma, Arial, sans-serif; font-size: 20px; letter-spacing: 0px; line-height: 1.7em; margin: 12px auto 40px; max-width: 740px; padding: 0px; white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2nndv-0-0" style="box-sizing: border-box;"><a class="linkstyle__DefaultLink-zmac07-0 bulJNq" href="https://vocus.cc/georgechiangpudding/5dbe1892fd897800018a8614" style="background-color: none; border-bottom: 1px solid; box-sizing: border-box; color: #ff485a; cursor: pointer; position: relative; text-decoration-line: none;" target="_blank"><span data-offset-key="2nndv-0-0" style="box-sizing: border-box;"><span data-text="true" style="box-sizing: border-box;">【阿植聊財經】國際政經情勢與投資展望_2021.01~2021.12(線上課程)</span></span></a></div></div></div>
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<br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-4754226480842427692020-12-27T02:49:00.005-08:002021-02-01T05:02:39.367-08:00【一位CFP的日常】如何「拒當下流老人、堅守中流人生、追求上流生活」? 財務執行力是關鍵!<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYEAMWrgM9bGmgmnlBMHaMRGWKO3hQ9RxLeJX1kb4QnDkOFH8fPisWQzsGJH3Mly_2ybJ7mSvlq4siB6o-zgu8Y1k5zmxnk-sJSeBAV_BWLrRO_Gxa9apoOowNKVLDgyK7MDh9ZyH0hzE/s1951/photo-1546188994-07c34f6e5e1b.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1300" data-original-width="1951" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYEAMWrgM9bGmgmnlBMHaMRGWKO3hQ9RxLeJX1kb4QnDkOFH8fPisWQzsGJH3Mly_2ybJ7mSvlq4siB6o-zgu8Y1k5zmxnk-sJSeBAV_BWLrRO_Gxa9apoOowNKVLDgyK7MDh9ZyH0hzE/s320/photo-1546188994-07c34f6e5e1b.jpg" width="320" /></a></div><br /><p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">作者 : 蔣竣植 (CFP)<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">圖片</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;">:</span><span lang="EN-US">Photo by <a href="https://unsplash.com/@drew_beamer?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Drew
Beamer</a> on <a href="https://unsplash.com/s/photos/future?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">「老師!退休金離我太遙遠了啦!你確定要跟我們聊這話題?」學生在課堂上問著。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">期待卻又怕養不起的未來<o:p></o:p></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> <span></span></span></p><a name='more'></a><p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">的確,別說二十出頭準備進職場的年輕人,就算是三十多歲有些社會歷練的年輕人,也依舊對思考退休金這議題感到有些遙遠,除此之外,也還有很多財務現況有待解決,退休金的規劃排序可能在遙遠的另一端。問題是,人生有哪一個時段不會「為錢所困」,可以優雅地、集中精神規劃退休金?其實並沒有這樣的時間,是吧?既然如此,那關鍵就回到是否能夠讓資金重新分配了!
<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">先等一下,我發現其實大家對「未來」有著矛盾的期待,例如:<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">你問一位刷卡消費的人為何花那麼多錢?<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">他會回答:「等下個月薪水下來應該就付得出卡費!」<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">(</span><span face=""微軟正黑體",sans-serif" style="color: red; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">其實,每個月的薪資卻都處於不足以支付卡費的狀態......</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">)<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> <o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">你問一位貸款買房的朋友,為何頭幾年使用只還息不還本的「寬限期」?<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">他會回答:「目前資金比較緊,五年後相信會好一些!」<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">(<span style="color: red;">其實,現在若不改變現有的收支問題,五年後房貸的本利攤還只會讓財務狀況變得更糟罷了......</span>)<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> <o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">你問一位投資虧損但卻不肯停損的朋友,在堅持什麼?<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">他會回答:「我覺得它之後應該會漲回來。」<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">(<span style="color: red;">其實,縱使多年後漲回到你的本金,但寶貴的時間價值卻回不來了......</span>)<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> <o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;">
</p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;">是否發現「未來」彷彿是一帖藥,可解決「目前」的所有問題?<o:p></o:p></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">但你卻同時又可能會說:「我不敢奢望我的未來能有多大的改變!」<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">很矛盾吧!若「未來」是個人,想必他心裡面應該會吶喊著:「你到底想要我怎樣?」 <o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">唯有「退休」這件事是確定會發生<o:p></o:p></span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #0070c0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></b></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">若不改變「現在」,就不會有「未來」可言,將會一直處於「現在」的狀態,相信這也不是你我所希望的景象。而未來可能有很多計畫,例如結婚、生子、買車、買房、退休等,其中僅有「退休」這一項,時間或年紀到了就會執行,與其他可有選擇執行時間點的項目有所不同。<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">你可能會說</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;">:</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">「我應該沒打算退休喔!會一直工作到離開那一天……」<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">真不知該用浪漫還是可憐來形容,能否工作這件事會隨著年齡而提高失業的風險,往往不是你想做就能做,也要看是否有老闆願意持續雇用,否則也不會有中年失業危機這類的景象發生。其實這也是另一個矛盾的問題,常嚷嚷著不想工作或是想換工作,卻覺得可能需要工作一輩子</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;">?</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><br /></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">既然「退休」這個攸關財務的人生規劃是確定會發生的,越早開始執行財務方面規劃是必須的。較年輕的,雖然可供規劃退休的資金無法太多,但卻有著一段很長的時間可供複利滾存;較年長的,可供複利的時間或許短了許多,但可供規劃的資金理論上應該會較為豐沛。我們總要挑個時間點開始行動,對吧</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;">?</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal"><span lang="EN-US"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFvMH6G_F96asTAU1jCJDpI5Li0Gr7p1hvjm9-lEPQz15GIiCsxr22v1D-xm7sz9nVQHF4jGmyX3_nHUrHa_ZqSCTGZt-DPpOQLQ0Z4_HOOK865VOtR_T-Z1K_6uEBcFxdNfUKbW4tqVU/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFvMH6G_F96asTAU1jCJDpI5Li0Gr7p1hvjm9-lEPQz15GIiCsxr22v1D-xm7sz9nVQHF4jGmyX3_nHUrHa_ZqSCTGZt-DPpOQLQ0Z4_HOOK865VOtR_T-Z1K_6uEBcFxdNfUKbW4tqVU/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><br /><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><br /></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p><p>
<span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-font-family: 微軟正黑體; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span></p>
<div class="line-it-button" data-color="default" data-count="true" data-lang="zh_Hant" data-size="large" data-type="share-a" data-url="https://cfphelpyou.blogspot.com/2020/12/cfp_27.html" data-ver="3" style="display: none;"></div><script async="async" defer="defer" src="https://d.line-scdn.net/r/web/social-plugin/js/thirdparty/loader.min.js"></script><br />
<br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-59117194365601785882020-12-20T06:08:00.003-08:002020-12-20T06:09:32.529-08:00【閱讀時光】迪士尼的價值行銷法則:活用七個步驟,打造絕對吸引顧客把錢花光光的獲利策略<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicabiyXyke5ZOzUZerjeBqCL9qIUnU1x87cxLjmfiIWDKbiRmlkIezVfBEwF9GNTSeOTX5cTe7f18FZrf_qgCtZYuat42JCLh4Lfcf1S5fEidIQDKGKJPJPKQhO-oh2c4oM8q7Dk1DZCU/s831/3.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="831" data-original-width="607" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicabiyXyke5ZOzUZerjeBqCL9qIUnU1x87cxLjmfiIWDKbiRmlkIezVfBEwF9GNTSeOTX5cTe7f18FZrf_qgCtZYuat42JCLh4Lfcf1S5fEidIQDKGKJPJPKQhO-oh2c4oM8q7Dk1DZCU/s320/3.jpg" /></a></div><div class="separator" style="clear: both; text-align: center;">圖片來源 : 網路</div><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p><h3 style="margin-left: 21pt; mso-para-margin-left: 2.0gd;"><span style="font-weight: normal;"><span face="微軟正黑體, sans-serif" lang="ZH-CN" style="font-size: 14pt; line-height: 300%;">本書作者:</span><span face="微軟正黑體, sans-serif" lang="ZH-CN" style="font-size: 13.5pt; line-height: 300%;">嶋田</span><span face="微軟正黑體, sans-serif" lang="ZH-CN" style="font-size: 13.5pt; line-height: 300%;">亘克</span></span></h3><h3 style="margin-left: 21pt; mso-para-margin-left: 2.0gd;"><span style="font-weight: normal;">出版公司:<span face="微軟正黑體, sans-serif" lang="ZH-CN" style="font-size: 13.5pt; text-align: center;">遠足文化</span></span></h3><h3 style="margin-left: 21pt; mso-para-margin-left: 2.0gd;"><span style="font-weight: normal;">出版日期:<span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt; text-align: center;">2020/0</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt; text-align: center;">1</span></span></h3><h3 style="margin-left: 21pt; mso-para-margin-left: 2.0gd;"><b style="text-align: center;"><span face="微軟正黑體, sans-serif" lang="ZH-CN" style="font-size: 14pt;">書摘作者:蔣竣植(</span></b><b style="text-align: center;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">CFP</span></b><b style="text-align: center;"><span face="微軟正黑體, sans-serif" lang="ZH-CN" style="font-size: 14pt;">)</span></b></h3><div><b style="text-align: center;"><span face="微軟正黑體, sans-serif" lang="ZH-CN" style="font-size: 14pt;"><br /></span></b></div><div class="separator" style="clear: both; text-align: center;">
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">去過迪士尼樂園玩的朋友們,若當天園區內人潮較多的時候,會自豪這一趟是值得的,因為大家都有相同的喜好。若當天人潮較少的時候,也會開心自己當天的運氣真好,相信可盡情玩樂!無論人潮多寡,你也從來不會對樂園有怨言或質疑,而是保有愉悅的感受,這是為什麼?<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> <span></span></span></p><a name='more'></a><p></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #2b00fe;">販賣幸福的遊樂場</span><span lang="EN-US"><o:p></o:p></span></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">東京迪士尼賣的是什麼?不單單是實體的遊樂設施,或是夢幻般的卡通人物出現在你我的身邊,而是在園區遊玩的過程中所產生的「幸福感」,而這樣的氛圍及感受,就是讓遊客願意一再光臨的關鍵。因此,在東京迪士尼的新進員工訓練,反覆被灌輸園區的商品就是<b><span style="color: red;">「顧客的幸福」</span></b>,而員工的責任就是<b><span style="color: red;">「提供快樂」</span></b>。但「幸福、快樂」卻是沒有形體的心靈感受,其實執行起來卻並非易事。<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> </span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #2b00fe;">延伸需求<span lang="EN-US">&</span>創造需求</span><span lang="EN-US"><o:p></o:p></span></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">作者提到自己老家的小酒館能扳倒對街大型連鎖便利商店,看似相似的客群,但老家的小店卻能提供由啤酒箱堆疊而成的簡易飲酒桌椅與一人份的下酒小菜,一個較大型連鎖便利商店更加「便利性」的舉動,讓不可能化為可能,這就是所謂對目標客群的「延伸、創造需求」。該如何擴大目標客群?可嘗試思考四件事<span lang="EN-US">:<o:p></o:p></span></span></p><p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span lang="EN-US"><br /></span></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">自家商品或服務的目標客群?<span lang="EN-US"><o:p></o:p></span></span></b></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">如何拓展這個目標客群?<span lang="EN-US"><o:p></o:p></span></span></b></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">這群顧客為何選擇我們?<span lang="EN-US"><o:p></o:p></span></span></b></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--></span><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #bf9000;">該採什麼對策才能擴大這個目標客群?</span><span lang="EN-US"><o:p></o:p></span></span></b></p><p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">相信沒有人會嫌生意做太大,因此在目標客群穩定的情況之下,如何創造其他客群的需求,就是行銷部門重要的功課,作者建議從三步驟思考:<span lang="EN-US"><o:p></o:p></span></span></p><p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l3 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">針對商品或服務,是否有不存在或幾乎沒有的客群?<span lang="EN-US"><o:p></o:p></span></span></b></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l3 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">如何透過自家商品或服務,讓每一位顧客變得比現在更加幸福?<span lang="EN-US"><o:p></o:p></span></span></b></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l3 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--></span><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #bf9000;">思考<span lang="EN-US">1</span>和<span lang="EN-US">2</span>的問題後,找出實際上你認為最有可能獲得的目標客群</span><span lang="EN-US"><o:p></o:p></span></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> </span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #2b00fe;">提供客製化商品</span><span lang="EN-US"><o:p></o:p></span></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">確定目標客群後,依其所追求的價值提供獨特的商品或服務,這在「圈粉」中屬於很重要的環節。書中提到在經調查後發現大學生的這類客群在玩樂時所在乎的是「一群朋友能一起玩樂,回到飯店後能依舊有室內活動且費用合理」,讓作者在當時設計了一系列符合大學生的旅遊與住宿方案,成功讓來園的遊客較前一年增加近六倍的人潮。而很多「圈粉」的行為不一定是從零開始發想,可考慮從競爭對手現有的方案或策略去延伸及調整,有機會獲得不錯的效果。<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> </span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #2b00fe;">新舊客戶的行銷策略差異</span><span lang="EN-US"><o:p></o:p></span></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">開發新客戶一直都是行銷單位的重點目標,但茫茫大海誰會是潛在客戶?迪士尼透過在購物中心辦展的活動,吸引民眾前來逛逛,並透過索取資料、拍照、觀看影片等類體驗在樂園遊玩的幸福感,藉此喚起想至迪士尼遊玩的慾望,也就增加購票的機會了。作者提供兩個方法增加首購人數:<span lang="EN-US"><o:p></o:p></span></span></p><p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l2 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">提升商品的購買慾望<span lang="EN-US"><o:p></o:p></span></span></b></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l2 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><b><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--></span><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #bf9000;">利用價格創造出買到就是賺到的感受</span><span lang="EN-US"><o:p></o:p></span></span></b></p><p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l2 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">另外,在吸引的過程中,針對不同族群提供該族群的購買方案與購買的好處,能有效加速購買的流程。<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> </span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">舊客戶能否再次光顧,甚至定期光顧,亦是企業需要持續思考的行銷問題,文中提到常見的定期回診看牙、定期回廠驗車等,就是透過</span><b><span style="color: red;"><span face="新細明體, serif" style="font-size: 14pt;">「</span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">提早提醒、預約</span><span face="新細明體, serif" style="font-size: 14pt;">」</span></span></b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">的模式,讓客戶能再次光顧。當然了,在每次的服務體驗中都需是好的感受,也才會有回頭的機會。作者建議「誰成為第一個回頭客?」這件事攸關重要,一樣必須要先確立「目標客群」後,再來設計回頭的行銷策略,才能有效吸引客戶再次購買。<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> </span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #2b00fe;">將顧客未來的需求化為故事</span><span lang="EN-US"><o:p></o:p></span></span></b></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">華特<span lang="EN-US">·</span>迪士尼曾說:<b><span style="color: red;">「工作不是為了自己。而是了解每個人所追求的東西,為了他們而工作。」</span></b></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">試著找出商品或服務的價值,再透過一連串的故事讓顧客藉由商品或服務實現未來的夢想。相關的細節就留待各位去翻閱了。<span lang="EN-US"><o:p></o:p></span></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> </span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">最後附上作者建議的行銷七大步驟:<span lang="EN-US"><o:p></o:p></span></span></p><p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">銷售的目的?<span lang="EN-US"><o:p></o:p></span></span></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">銷售的對象?<span lang="EN-US"><o:p></o:p></span></span></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">銷售的商品?<span lang="EN-US"><o:p></o:p></span></span></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">團隊的成員?<span lang="EN-US"><o:p></o:p></span></span></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">5.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">銷售的形式?<span lang="EN-US"><o:p></o:p></span></span></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">6.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">銷售的時機?<span lang="EN-US"><o:p></o:p></span></span></span></p>
<p align="left" class="MsoNormal" style="margin-left: 36pt; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; tab-stops: list 36.0pt; text-align: left; text-indent: -18pt;"><span style="color: #bf9000;"><!--[if !supportLists]--><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">7.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--></span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><span style="color: #bf9000;">銷售的策略?</span><span lang="EN-US"><o:p></o:p></span></span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> </span></p>
<p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">你,找到商品或服務的價值了嗎?<span lang="EN-US"><o:p></o:p></span></span></b></p><p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></b></p><p align="left" class="MsoNormal" style="mso-pagination: widow-orphan; text-align: left;"><b><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></b></p>
<div class="graf--p" data-block="true" data-editor="6mfoa" data-offset-key="dp9n7-0-0" style="background-color: none; box-sizing: border-box; color: #212529; font-family: "Microsoft JhengHei fixed", "Helvetica Neue", "Microsoft JhengHei", Helvetica, "Segoe UI", Tahoma, Arial, sans-serif; font-size: 20px; letter-spacing: 0px; line-height: 1.7em; margin: 12px auto 40px; max-width: 740px; padding: 0px; text-align: left; white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dp9n7-0-0" style="box-sizing: border-box;"><span data-offset-key="dp9n7-0-0" style="box-sizing: border-box; font-weight: bold;">閱讀後若對本書有興趣,歡迎點擊我與博客來合作的連結購買:</span></div></div><h3><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: xx-small; line-height: 300%;"><u><a class="linkstyle__DefaultLink-zmac07-0 bulJNq" href="https://www.books.com.tw/exep/assp.php/georgechiang/products/0010845751?utm_source=georgechiang&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-202012" style="border-bottom: 1px solid; box-sizing: border-box; color: #ff485a; cursor: pointer; font-family: "Microsoft JhengHei fixed", "Helvetica Neue", "Microsoft JhengHei", Helvetica, "Segoe UI", Tahoma, Arial, sans-serif; letter-spacing: 0px; position: relative; text-align: left; white-space: pre-wrap;" target="_blank"><span data-offset-key="1pafh-0-0" style="box-sizing: border-box;"><span data-text="true" style="box-sizing: border-box;">https://www.books.com.tw/exep/assp.php/georgechiang/products/0010845751?utm_source=georgechiang&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-202012</span></span></a> </u></span></h3></div><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7mbMmFy7yDXuwajPygEN8wd8b9nV-5Nk2BX2ID9KWjWAyPHHf01Czwcxd2AvvLX3lRGBizSlKU3aZXbli1gK5sUjX6OJI4pXesVbxiKAH9ILTG_PaBm7Gzed-JX72Wm4bkI9UyZkOtKw/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7mbMmFy7yDXuwajPygEN8wd8b9nV-5Nk2BX2ID9KWjWAyPHHf01Czwcxd2AvvLX3lRGBizSlKU3aZXbli1gK5sUjX6OJI4pXesVbxiKAH9ILTG_PaBm7Gzed-JX72Wm4bkI9UyZkOtKw/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><div><br /></div><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span><span lang="EN-US"><o:p></o:p></span></p><p><br /></p>
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<br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-8448539135840257272020-12-20T01:37:00.003-08:002020-12-20T01:38:43.189-08:00【投資穩穩學】借錢來投資? 你只有「短線」一途!<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdn-lolwe18A8z6j_E_1mhQ2GqwpVvqDtJZ2-Y0-iHRy3ONBsQKaYowEYSBO283iAiAmrOsshvs5THUEHnKSAlXZ1yPQ5g_VwIB5XZioaY_DyDyJ1c4TaYK3aZsmCXxNLFLb373MAuzFw/s1950/photo-1517526013420-1902517cab7e.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1300" data-original-width="1950" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdn-lolwe18A8z6j_E_1mhQ2GqwpVvqDtJZ2-Y0-iHRy3ONBsQKaYowEYSBO283iAiAmrOsshvs5THUEHnKSAlXZ1yPQ5g_VwIB5XZioaY_DyDyJ1c4TaYK3aZsmCXxNLFLb373MAuzFw/s320/photo-1517526013420-1902517cab7e.jpg" width="320" /></a></div><br /><p></p><p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">作者 : 蔣竣植 (CFP)<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">圖片 : </span><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Photo
by Ruth Enyedi on Unsplash</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">「目前市場的投資交易量至少有3~4成的資金來自於借貸、當沖!」任職於營業員的小陳嚴肅地分析 <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">「看來大家都想趁著這一波來賺一筆!」我默默地回道。<span style="color: #00b0f0;"> <o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p><span></span></o:p></span></p><a name='more'></a><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span><p></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家庭財務諮詢的案例中,不乏有債務較多例子,若是信用卡的卡債,就會建議透過一些方式改善消費習慣,以降低未來卡費的持續堆疊;若是學貸這一類有政府補助的負債,雖然利率不高,但由於未來可能仍有例如車貸、房貸等債務堆疊,所以也會建議設定目標加速清償。而最特別的應該屬於「個人信貸」這個負債項目,其中常見的原因並非「個人應急」而借,反而是為了投資股市而借,當然也因為投資的結果不如預期,才讓財務報表中的負債欄位出現了數字。
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">就負債的分類中,個人信用貸款的還款期限偏向短期(一般不超過七年),而利率較房貸的利率為高,怎麼看都應該是屬於「應急」之用,以解燃眉之火。偏偏熱鬧的股市有如一場迷幻的盛宴,而資金就成了能否入場的門票,那除了透過自有資金,剩下就只有借貸一途了!
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">為何會想要借錢投資?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">一直以來學習到的觀念都是投資要用<b><span style="color: #0070c0;">「閒錢」</span></b>,而且必須要<b><span style="color: #0070c0;">「專款專用」</span></b>,否則容易因投資失利而影響財務狀況,甚至是現有的生活。尷尬的是,大部分並沒有「閒錢」的存在,很多投資的資金都是從他處「暫時挪用」而來,其金額或許不會太多,投資起來也就無法太過「盡興」。但若無其他資產可供挪用,在高漲的投資氛圍與低利率的借貸誘惑,再配合賺取利差似乎不會太過困難的高度自信,借錢投資就成了一個極為方便取得資金進入股市的選項。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">借錢投資的風險?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">看似與自有資金沒有太大差異的投資模式,其實存在著極大的風險。我們藉由投資心理學來比較一下這兩套資金有何不同。今天假設有兩筆錢:自有資金&借貸資金,同時存在於股市當中,在持續上漲與持續下跌的過程中,那一筆錢會較急著想賣出?<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #00b0f0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">若股票持續上漲<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #00b0f0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">一般而言「借貸資金」會想先賣出,因為在股市上漲時,雖然基於貪念常會希望能多擺一陣子,期待未來能賺更多,但借貸資金畢竟是借來的,存在著利息與還款的壓力,有可能因運氣不佳就因為多擺一陣子而回跌,那還不如就提早獲利了結。
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #00b0f0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">若股票持續下跌<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><b><span face=""微軟正黑體",sans-serif" style="color: #00b0f0; font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">其實也不太需要持續太久的時間,就會想將「借貸資金」早早認賠賣出,畢竟借的錢總是要還的,當初之所以會借也是希望能透過股市賺到比借的還多的錢,現在遇到下跌反而虧更多,與期待的不同,當然要趕緊賣出,否則到時虧損持續放大還得了?
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">說到這,相信各位應該發現到結論了,無論上漲或是下跌,對投資人而言,借貸資金總是較自有資金的投資部位來的「坐立難安」,造成借貸資金的操作因壓力使然,僅存「短線」一途,需時刻頻繁盯盤而無中、長線穩健獲利的可能。
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">有多少錢就做多少事,你的投資心理素質或許還撐不起借貸投資所帶來壓力。<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">「十次車禍,九次快!」我來改寫一下好了:「十次借貸投資,九次虧!」<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 115%; margin-bottom: 10pt; mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; line-height: 115%; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">覺得我太保守?那就別讓我發現你的負債欄位有因投資帶來的個人信貸,好嗎?<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-ansi-language: ZH-TW; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom: 5.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 5.0pt; margin: 5pt 0cm; mso-layout-grid-align: none; mso-pagination: widow-orphan; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="color: black; mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 18.0pt;">想多聽聽財務上的建議<span lang="EN-US">?</span>歡迎來信討論</span><span face=""Microsoft JhengHei UI",sans-serif" lang="EN-US" style="color: black; mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 18.0pt;">~</span><span lang="EN-US"><a href="mailto:georgechiang@mail2000.com.tw" target="_blank"><b><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 18.0pt;">georgechiang@mail2000.com.tw</span></b></a></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbbJmE9LhY92_Y-MsHC_BaEtjv00brBVKN06kqAsyfy4hLiFxfqq6TniEaNr_TOG_fO0K4RNHAQQ3dkspE8WwPHpEa3_Qg6EbI9Dn101Mt1ThgUGkUZCoP0RxLxL9qSqCml1AYFGcFBiM/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbbJmE9LhY92_Y-MsHC_BaEtjv00brBVKN06kqAsyfy4hLiFxfqq6TniEaNr_TOG_fO0K4RNHAQQ3dkspE8WwPHpEa3_Qg6EbI9Dn101Mt1ThgUGkUZCoP0RxLxL9qSqCml1AYFGcFBiM/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><br /><p></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span><span lang="EN-US"><o:p></o:p></span></p>
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<br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-15741898921463598342020-12-12T05:47:00.002-08:002020-12-12T05:53:21.598-08:00【一位CFP的日常】將家中的物品「藏」起來,並非真正的斷捨離!-談個人倉儲的三個財務迷思<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfukP3IhoUqcYOjcnXsC6O3-aFE9GGRbDRgT-lA88afQAvJWY-pTOXet8VaIsNeqEycAK8mp73_o_kQl_2NEa0-bW6D_REavMVj6zUW_HbCMqTwvoIRcOKNJcILdUPLC2OMim6NQ_XITk/s2048/jan-tinneberg-FWF-p5Va5hI-unsplash.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1383" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfukP3IhoUqcYOjcnXsC6O3-aFE9GGRbDRgT-lA88afQAvJWY-pTOXet8VaIsNeqEycAK8mp73_o_kQl_2NEa0-bW6D_REavMVj6zUW_HbCMqTwvoIRcOKNJcILdUPLC2OMim6NQ_XITk/s320/jan-tinneberg-FWF-p5Va5hI-unsplash.jpg" width="320" /></a></div><br /><p></p><h3><p class="MsoNormal"><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">作者<span lang="EN-US"> : </span>蔣竣植<span lang="EN-US"> (CFP)<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt;">圖片</span><span face=""Microsoft JhengHei UI",sans-serif" style="font-size: 14pt;">:</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 10pt;">Photo by <a href="https://unsplash.com/@craft_ear?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Jan
Tinneberg</a> on <a href="https://unsplash.com/s/photos/desire?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span></p><p class="MsoNormal"><br /></p></h3>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">「最近我把房間不常用的東西都搬到外面的出租倉儲,感覺房間變大、更清爽了!」元浩興奮地說著。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">近幾年出現了不少「個人倉儲空間」的廣告,標榜著「不需要換大房子,再多的東西也放得下」的思維,只要願意多付個租金,就能讓一直捨不得丟的東西能有個較佳的棲身之處。聽起來還不錯,對嗎?其實魔鬼藏在細節裡,很多財務上的邏輯問題就跑出來了,讓我們來聊聊吧!<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo2; mso-para-margin-left: 0gd; text-indent: -24pt;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="color: #2b00fe; mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><span style="color: #2b00fe;">什麼東西會放進個人倉儲?</span><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></p><p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo2; mso-para-margin-left: 0gd; text-indent: -24pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><span style="color: #2b00fe;"><br /></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">可能是你覺得有紀念價值的物品,例如收藏的公仔玩具、球鞋等,也可能是原先早已被鞋子、衣服、包包等塞爆的櫃子,藉著倉儲市場的出現,有機會能稍稍舒緩家中收納的空間壓力。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">而這樣讓我聯想到銀行的「保險箱」機制,相信也有些民眾會將貴重物品,例如珠寶、鑽石、金條等,或是房契、地契等有價證券,放置於定期租用的保險箱中,但不同的是,之所以會願意負擔銀行保險箱的租金,其關鍵就在於認為所保存的東西有增值的效果,所以花這一點錢或許不算什麼。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">但,我們個人倉儲內所存放的物品,是否同樣有增值的可能?若否,那原本的物品本來就會因折舊而貶值,你還會為了這些為資產表中屬於減項的物品另外租房子讓它們住?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l1 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -24pt;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; font-size: 14pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="color: #2b00fe; mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: #2b00fe;"><!--[endif]--></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><span style="color: #2b00fe;">實際需負擔的費用有哪些?</span><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></p><p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l1 level1 lfo1; mso-para-margin-left: 0gd; text-indent: -24pt;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><span style="color: #2b00fe;"><br /></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">第一、租金依櫃位空間大小而有著不同的費率,但最小的倉儲空間每個月租金也至少需要張千元大鈔,若東西多的話,其租金可能不比我們在外租間雅房來得少喔!<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">第二、存放東西的倉儲地點,很難剛好就在你家隔壁,若有段距離的話,未來若要取用,油錢、計程車車資等交通費用也是另一筆開銷。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">寫到這,怎有種物品被「擬人化」的錯覺?需要替這些被收納的物品再支付另一份房租和交通費用?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<h3 style="margin-left: 24pt; mso-list: l1 level1 lfo1; text-indent: -24pt;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; font-size: 14pt; font-weight: normal; line-height: 300%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;"><span style="color: #2b00fe; mso-list: Ignore;">l<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; font-weight: normal; line-height: 300%; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-weight: bold;"><span style="color: #2b00fe;">執行後對財務又有甚麼影響?</span><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></h3>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">過去你可能曾聽過「衣櫃內的衣服永遠少一件」,但隨著線上購物的便利,衣物的數量之多,這句話可能要修正成「收納衣物的櫃子永遠少一櫃」<span lang="EN-US">......</span>隨著東西越來越多,收納的櫃子也需隨之增加,那居住的空間也會被壓縮的越來越小,最後甚至可能會萌生因一件衣服而需換更大間房子的慾望邏輯。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";">我常提到若房間中堆著許多未拆封的線上購物紙盒,就表示你買的東西只是「想要」,而非「需要」,若真的是需要的東西,早就拆開使用了不是嗎?此外,東西買了捨不得丟,然後花點錢把它另外「藏」起來,久久才去倉儲一次拿來使用,某種程度似乎也意味著這些並非「必需品」。更麻煩的是,不小心發現到家中的空間被騰出來了,下一回的購物競賽可能又要開始了<span lang="EN-US">……</span>因此,就財務上而言,直接丟棄應該才是較為划算的策略<span lang="EN-US">!<o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p> </o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><b>斷捨離,一直是改善財務的關鍵。<span lang="EN-US"><o:p></o:p></span></b></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><b>減法生活,才算真正的放過自己。<span lang="EN-US"><o:p></o:p></span></b></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: red; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><o:p><b> </b></o:p></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><b>你的房子並不小,而是東西太多!<span lang="EN-US"><o:p></o:p></span></b></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: "Times New Roman";"><b><span style="color: red;">你的財務並不糟,而是慾望太高!</span></b><span lang="EN-US" style="color: black;"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p><p class="MsoNormal" style="margin-bottom: 5.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 5.0pt; margin: 5pt 0cm; mso-layout-grid-align: none; mso-pagination: widow-orphan; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="color: black; mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 18.0pt;">想多聽聽財務上的建議<span lang="EN-US">?</span>歡迎來信討論</span><span face=""Microsoft JhengHei UI",sans-serif" lang="EN-US" style="color: black; mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 18.0pt;">~</span><span lang="EN-US"><b><span face=""微軟正黑體",sans-serif" style="mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 18.0pt;"><a href="mailto:georgechiang@mail2000.com.tw">georgechiang@mail2000.com.tw</a></span></b></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi_nOd0R91cvKDsQpEW2NckHnXBH9dkGUriz6XqfHMTR4t02V18eQBcXVJCukx1IyrjURbGS5usw1HBgI4htdjfOgtaxXQnaNbHCXKb5WpFqAyJPYi9AbcSUPhyphenhyphenRMTp1XgGw-7YqoxpBo/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi_nOd0R91cvKDsQpEW2NckHnXBH9dkGUriz6XqfHMTR4t02V18eQBcXVJCukx1IyrjURbGS5usw1HBgI4htdjfOgtaxXQnaNbHCXKb5WpFqAyJPYi9AbcSUPhyphenhyphenRMTp1XgGw-7YqoxpBo/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><br /><p></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; text-autospace: none;"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span><span lang="EN-US"><o:p></o:p></span></p>
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<br />理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-26212742369221852402020-12-06T07:29:00.002-08:002020-12-06T07:33:49.615-08:00【一位CFP的日常】兼差、投資可解決錢不夠用的問題?其實你漏了一個真正解決財務問題的關鍵步驟!<p><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipTDzu4uZwn__89w5V3F8jGB_tvMPy6HciMlWPV7XFg_dRwACNZixG3w2sIMLiCgNyWo7cofH56w3NOD2ia3XTLV9xWK7y54y5WHAHd9JSzCGDkoXk6tO0Y2mGhMfd_sj_2JOpkEsxnlw/s2048/adeolu-eletu-unRkg2jH1j0-unsplash.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1356" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipTDzu4uZwn__89w5V3F8jGB_tvMPy6HciMlWPV7XFg_dRwACNZixG3w2sIMLiCgNyWo7cofH56w3NOD2ia3XTLV9xWK7y54y5WHAHd9JSzCGDkoXk6tO0Y2mGhMfd_sj_2JOpkEsxnlw/s320/adeolu-eletu-unRkg2jH1j0-unsplash.jpg" width="320" /></a></div><br /><span face="微軟正黑體, sans-serif" style="font-size: 14pt;"><br /></span><p></p><p><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">作者</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> : </span><span face="微軟正黑體, sans-serif" style="font-size: 14pt;">蔣竣植</span><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;"> (CFP)</span></p><p><span face="微軟正黑體, sans-serif" lang="EN-US" style="font-size: 14pt;">圖片 </span><span style="font-size: 18.6667px;">: </span><span face="微軟正黑體, sans-serif" style="font-size: 10pt;">Photo
by </span><a href="https://unsplash.com/@adeolueletu?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" style="font-family: 微軟正黑體, sans-serif; font-size: 10pt;">Adeolu
Eletu</a><span face="微軟正黑體, sans-serif" style="font-size: 10pt;"> on </span><a href="https://unsplash.com/s/photos/financial-form?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText" style="font-family: 微軟正黑體, sans-serif; font-size: 10pt;">Unsplash</a></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 10pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><b style="mso-bidi-font-weight: normal;"><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><br /></span></b></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><b style="mso-bidi-font-weight: normal;"><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「為何你下了班還要兼差?」、「為何你投資的比重那麼高?」</span></b><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">這是我對諮詢的客戶很常有的疑問。<b style="mso-bidi-font-weight: normal;"><span lang="EN-US"><o:p></o:p></span></b></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span style="mso-bidi-font-weight: normal;"><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><b>「還不就是錢不夠用嘛!」</b></span></span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">民眾們總是這樣帶有無奈的回答。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">多年來的諮詢經驗,所給予的理財建議因人而異,因為每個人的財務問題不盡相同,但突然驚覺大多數的人在理財觀念上的疏漏,導致後續的理財行為看似合理,卻存在著極大的風險!<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">透過兼差或是投資以增加收入的直覺式想法,相信是許多人改善財務困境的首選作法,但這樣的風險有哪些?</span></p><p class="MsoListParagraph" style="margin-left: 30.0pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -30.0pt;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">(一)<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">以兼差為例,正職的工作可能已讓身心俱疲,下班後再兼差或</span><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">許可增加收入以緩解財務困境,但體力消耗所造成的身體損害與注意力無法集中所造成的可能意外,卻是不得不留意的風險。</span></p><p class="MsoNormal"><span lang="EN-US" style="font-family: 微軟正黑體, sans-serif; font-size: 13.5pt;"> </span></p><p class="MsoListParagraph" style="margin-left: 30.0pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-margin-top-alt: auto; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -30.0pt;"><!--[if !supportLists]--><span lang="EN-US" style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">(二)<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">而透過投資增加收入的想法,試問投資時的資金來源為何?</span><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">這是個可能的理財盲點,因為既然都沒錢了,何來的錢可供投資?投資的資金若太少,就算再高的報酬率,獲利金額其實也有限;若投資的資金較多,想必是借貸而來居多。對投資而言,借貸資金有著在一定的期間內需償還的時間壓力、有著一個較高的利率需支付的投資壓力,無論怎麼看都只有短線而無中長線的投資可能,極大的風險需要審慎應對。</span><b><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">「藉投資來改善財務狀況」</span></b><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">這樣的論述是否有效?否則一不小心會造成</span><b><span style="color: red; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">「因投資而加速財務惡化」</span></b><span style="font-family: 微軟正黑體, sans-serif; font-size: 14pt;">的窘境,那就划不來了!</span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">開源</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">與</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">節流</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">的道理相信大家都懂,但為何在面對個人財務困境時,卻只考慮到透過</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">開源</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">而非思考</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">節流</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">的可能呢<span face=""Microsoft JhengHei UI", sans-serif">?</span>據了解,這大多是勇氣的問題,畢竟</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">開源</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">是種新的嘗試,簡單<span face="微軟正黑體, sans-serif">!</span>而</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">節流</span><span face=""新細明體",serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">卻要改變你固有的生活習慣,困難<span face="微軟正黑體, sans-serif">!</span>但若願意攤開生活支出項目來檢視的話,就可從中發現到許多調整的機會,可從四大類支出來檢視</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 14pt;">:</span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">生活支出</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 14pt;">:</span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-pagination: widow-orphan; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">不良的生活習慣導致水電瓦斯費用高於平均<span face=""Microsoft JhengHei UI", sans-serif">?</span>咖啡或甜食的支出過於頻繁<span face=""Microsoft JhengHei UI", sans-serif">?</span>熱衷線上購物但未開封的紙盒卻堆在房間的一角</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 18.6667px;">?</span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">負債支出</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 14pt;">:</span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-pagination: widow-orphan; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">習慣刷卡消費導致卡債高築<span face=""Microsoft JhengHei UI", sans-serif">?</span>學貸、信貸、車貸等層層堆疊輕忽債務整併的可能</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 18.6667px;">?</span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">理財支出</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 14pt;">:</span></span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-pagination: widow-orphan; mso-para-margin-left: 0gd;"><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">投資許久的標的虧損卻不願停損出場<span face=""Microsoft JhengHei UI", sans-serif">?</span>投資資金不足但投資標的卻過於分散導致獲利不佳</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 18.6667px;">?</span></p>
<p class="MsoListParagraph" style="margin-left: 18pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -18pt;"><span style="color: #2b00fe;"><!--[if !supportLists]--><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">4.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span face=""微軟正黑體",sans-serif" style="font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">保險支出</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 14pt;">:</span></span></p>
<p class="MsoNormal" style="margin-left: 18pt; mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">保費支出比例過高、保障內容的額度、繳費期限等不符合現況及預算</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 18.6667px;">?</span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">說不定,勇敢檢視並認真調整之後會發現其實財務狀況並沒有那麼吃緊,一個月省<span lang="EN-US">3,000</span>元可能比透過兼差或投資賺<span lang="EN-US">3,000</span>元來的容易。確定檢視過支出項目沒問題後,再來找尋兼差機會或學習投資工具,並不會太遲<span face="微軟正黑體, sans-serif">!</span>理財的目的,是讓未來能變得更好,而不是讓生活因財務一團亂,你說是吧</span><span face=""Microsoft JhengHei UI", sans-serif" style="font-size: 18.6667px;">?</span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">不相信節流能擠出錢嗎<span face=""Microsoft JhengHei UI", sans-serif">?</span>那就來索取家庭財報試試其神奇的魔力吧</span><span face="微軟正黑體, sans-serif" style="font-size: 18.6667px;">!</span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">E-mail : <a href="mailto:georgechiang@mail2000.com.tw">georgechiang@mail2000.com.tw</a><o:p></o:p></span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><br /></span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifR9pyvb2zvWD9VU9fh_t5WWpH8e8RTo0g-9gVvS5GNY_p_Zf278OphXxZSY6AMjJMZVUrhqQfQXQqRrsQsvcOY7kZtgoBB7ShgCDTWhxcO6ctNWjpYO4EQqSnawg3LKelLP3hbyJodzU/s2048/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1287" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifR9pyvb2zvWD9VU9fh_t5WWpH8e8RTo0g-9gVvS5GNY_p_Zf278OphXxZSY6AMjJMZVUrhqQfQXQqRrsQsvcOY7kZtgoBB7ShgCDTWhxcO6ctNWjpYO4EQqSnawg3LKelLP3hbyJodzU/s320/%25E8%2594%25A3%25E7%25AB%25A3%25E6%25A4%258D_1.jpg" width="320" /></a></div><br /><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><br /></span><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">蔣竣植<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">學歷:國立成功大學土木工程碩士<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">經歷:科盛科技部門主管<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現職:國際認證理財規劃顧問(<span lang="EN-US">CFP</span>)、致理科技大學財金系兼任講師、財經部落客、保險公司業務主管<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;">
</span></p><div class="line-it-button" data-color="default" data-count="true" data-lang="zh_Hant" data-size="large" data-type="share-a" data-url="https://cfphelpyou.blogspot.com/2020/12/cfp_6.html" data-ver="3" style="display: none;"></div><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><script async="async" defer="defer" src="https://d.line-scdn.net/r/web/social-plugin/js/thirdparty/loader.min.js"></script><br />
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</span><p></p><p class="MsoNormal"><span face=""微軟正黑體",sans-serif" style="font-size: 10pt; mso-bidi-font-family: 微軟正黑體; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">專長:收支管理、基金投資管理、負債管理、保險規劃、退休金規劃等全方位理財規劃</span><span lang="EN-US"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: black; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>理財家醫科http://www.blogger.com/profile/12005140167987653357noreply@blogger.com0tag:blogger.com,1999:blog-1441899102750376213.post-64700804017874023902020-12-04T08:19:00.005-08:002020-12-04T08:29:34.323-08:00安枕無憂的資產配置<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinFh_5Iatxjp_GttgjXW3tpJLCF0luS4Yohf7SbSdn0KF6DIpIyDH7hd2beybFzRaNPT86KbiM-ExFF90539an-6yUGfOlxoGwVAHTW0G-zomlCbhxdumqnZWochqQZvQdq0ToEv3bKlI/s2048/jeppe-hove-jensen-b3eaH1hguOA-unsplash.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1365" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinFh_5Iatxjp_GttgjXW3tpJLCF0luS4Yohf7SbSdn0KF6DIpIyDH7hd2beybFzRaNPT86KbiM-ExFF90539an-6yUGfOlxoGwVAHTW0G-zomlCbhxdumqnZWochqQZvQdq0ToEv3bKlI/s320/jeppe-hove-jensen-b3eaH1hguOA-unsplash.jpg" /></a></div><br /><p></p><p></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">作者:駱潤生</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="background: none; color: #222222; font-size: 14pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;">CFP®<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 14pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;">圖片</span><span face=""Microsoft JhengHei UI",sans-serif" style="background: none; color: #222222; font-size: 14pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;">:</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 10pt;">Photo by <a href="https://unsplash.com/@jayhaywire?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Jeppe
Hove Jensen</a> on <a href="https://unsplash.com/s/photos/balance?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="background: white; color: #222222; font-size: 14pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">有一位年輕朋友拿他的投資組合給我看,請我給點建議。看了他持有的標的,是幾檔台股基金,他投入市場不久,這陣子因股市大漲,目前報酬不錯,他躊躇滿志的說,如此下去他的退休應該沒問題。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">這讓我想起另一位朋友的經驗,他則是投資礦業基金十多年,最近贖回了,雖然</span><span face="標楷體" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">『</span><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">被</span><span face="標楷體" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">』</span><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">堅持長期投資,但最終還是以小輸出場。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> <span></span></o:p></span></p><a name='more'></a><p></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">上面兩個例子,一個是現在進行式;一個是過去式。其實年輕朋友除了努力儲蓄之外,及早開始投資絕對是件好事,畢竟這階段的投資策略就算失敗,成本也不大,是值得繳學費的練習。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">但從另一位朋友的經驗看來,如果真要我給點建議,我會提醒他們的投資可能都過度集中了。只投資在單一市場,單一產業,會遇到兩個問題:<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -24pt;"><!--[if !supportLists]--><b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: red; font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">一、<span style="font: 7pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">過度集中的風險<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">如何解決過度集中的風險呢</span><span style="color: #313131; font-size: 18.6667px;">?</span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><span style="color: #0070c0; font-family: 微軟正黑體, sans-serif; font-size: 14pt;">【雞蛋不要放在同一個籃子裡</span><span style="color: #0070c0; font-family: 標楷體; font-size: 14pt;">】</span>,這個分散風險的觀念很容易被認同。</span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><br /></span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">但我常見到很多朋友,他們認為的分散,只是在不同銀行的對帳單中,買進不同投信的同類型基金。</span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">所以只吃雞蛋會營養失衡,要均衡攝取,才是養生之道啊。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="margin-left: 24pt; mso-list: l0 level1 lfo1; mso-pagination: widow-orphan; mso-para-margin-left: 0gd; text-indent: -24pt;"><!--[if !supportLists]--><b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: red; font-size: 14pt; mso-bidi-font-family: 微軟正黑體; mso-font-kerning: 0pt;"><span style="mso-list: Ignore;">二、<span style="font: 7pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span face=""微軟正黑體",sans-serif" style="color: red; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">價格波動風險<span lang="EN-US"><o:p></o:p></span></span></b></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">風險跟報酬是一體兩面的,通常高報酬伴隨著高風險,對於一般投資人來說,風險可能代表著虧損,但在投資實務界的眼中,風險代表著波動性。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">股神巴菲特曾說:<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="mso-pagination: widow-orphan;">
</p><p class="MsoNormal"><span style="color: #313131; font-family: 標楷體; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">「</span><span style="color: #0070c0; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">如果你無法承受股價<span lang="EN-US">50%</span>上下的波動,那你就不該投資股市。</span><span style="color: #313131; font-family: 細明體; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">」</span><span lang="EN-US" style="color: #313131; font-family: "微軟正黑體",sans-serif; font-size: 14.0pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">巴菲特靠著卓越的估值選股能力,長期投資獲取甜美的果實。他能承受波動並藉由時間來減緩波動的衝擊。但一般人不是股神,口袋不夠深,又沒那個心臟該怎麼辦呢?<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">以上兩個問題透過資產配置得以解決。資產配置濫觴於<span lang="EN-US">1952</span>年馬可維茲提出的研究報告,奠基了現代投資理論的開展。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">簡言之,要透過負相關或低度相關,不會齊漲齊跌的標的組成投資組合,所選的標的必須是長期成長,並能打敗通貨膨脹。通常是不同類別的資產,如股票,債券,不動產等,如此能有助於降低波動度,及大幅虧損的機率。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">正面來看,由於不同時期各市場及產業輪動,若將配置範圍放大到全世界的標的,效果更好,也能增加壓到寶的獲利機會。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">如<span lang="EN-US">80</span>年代是日本的天下,<span lang="EN-US">90</span>年代美國網路科技興盛,但科技泡沫後風水輪到新興市場,金融海嘯後十年又回到美股稱霸。只鐘愛一個市場容易錯失其它市場成長的機會。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">早期要做到如此規模的分散投資,可能只有大型專業投資機構才辦的到,但現代人有幸能投過<span lang="EN-US">ETF</span>這項工具,低成本的完成全球資產配置。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span face=""微軟正黑體",sans-serif" style="color: #313131; font-size: 14pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;">而資產配置是個人化的,<span lang="EN-US">30</span>歲的新鮮人跟<span lang="EN-US">60</span>歲的待退族,所能承受的風險,及對報酬的期望應該大不同,定期透過投資組合的再平衡,除了能產生低買高賣的效果,提升報酬率,更重要的是回復適合自身風險適性的平衡比例,才能讓你睡得安穩,持盈保泰的靜候財務目標的達成。</span><span lang="EN-US" style="color: #313131; font-family: "HelveticaNeue",serif; mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span lang="EN-US" style="color: #313131; font-family: "HelveticaNeue",serif; mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><span lang="EN-US" style="color: #313131; font-family: "HelveticaNeue",serif; mso-bidi-font-family: 新細明體; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p> </o:p></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQMNfH5LP4xpfo572aaYCVJVMb1DZyJYYyysZYgzwRvlWPBDUOtuPRlKNQe2Ivc1G34SwsmilRKbO6zhqDe8PZXN9sgSyEzzqFCWUPS8fCaJUsuHQeP09H7Tc2R191ie9r64ZCg4Zie2o/s2048/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1366" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQMNfH5LP4xpfo572aaYCVJVMb1DZyJYYyysZYgzwRvlWPBDUOtuPRlKNQe2Ivc1G34SwsmilRKbO6zhqDe8PZXN9sgSyEzzqFCWUPS8fCaJUsuHQeP09H7Tc2R191ie9r64ZCg4Zie2o/s320/%25E9%25A7%25B1%25E6%25BD%25A4%25E7%2594%259F.jpg" /></a></div><br /><p></p>
<p class="MsoNormal" style="mso-pagination: widow-orphan;"><b><span face=""微軟正黑體",sans-serif" style="color: #222222; font-size: 10pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;">駱潤生(<span lang="EN-US">Lawrence Lo</span>)</span></b><span face=""微軟正黑體",sans-serif" lang="EN-US" style="color: #222222; font-size: 10pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;"><br />
</span><span face=""微軟正黑體",sans-serif" style="background: none; color: #222222; font-size: 10pt; mso-bidi-font-family: Arial; mso-font-kerning: 0pt;">具有法律背景的財金碩士,目前是臺灣與中國兩岸國際認證理財規劃顧問(<span lang="EN-US">CFP®</span>),並兼任臺灣理財規劃產業發展促進會(<span lang="EN-US">TFPA</span>)副理事長。致力推廣正確理財觀念,並提供理財、保險、退休金、租稅及財產轉移、信託等相關規劃服務。</span><span face=""微軟正黑體",sans-serif" lang="EN-US" style="font-size: 10pt; mso-bidi-font-family: 新細明體; mso-font-kerning: 0pt;"><o:p></o:p></span></p><br /><p></p>
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