{"id":1100,"date":"2020-05-21T01:27:58","date_gmt":"2020-05-20T17:27:58","guid":{"rendered":"https:\/\/valueinmind.co\/?p=1100"},"modified":"2023-08-25T10:15:00","modified_gmt":"2023-08-25T02:15:00","slug":"what-i-regret-the-most-after-graduation","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/what-i-regret-the-most-after-graduation\/","title":{"rendered":"\u5927\u5b78\u7562\u696d\u5f8c\uff0c\u6211\u624d\u767c\u73fe\u6c92\u505a\u9019\u4ef6\u4e8b\uff0c\u8b93\u6211\u640d\u5931\u4e86$18,000\uff0c\u597d\u5f8c\u6094\uff01"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1100\" class=\"elementor elementor-1100\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1de68629 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1de68629\" data-element_type=\"section\">\n\t\t\t\t\t\t<div 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class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__fcba144\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__fcba144\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7be5d5da elementor-widget elementor-widget-text-editor\" data-id=\"7be5d5da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked 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.elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>\u5982\u679c\u4f60\u4e0d\u662f\u4e00\u540d\u5927\u5b78\u751f\uff0c\u4f60\u53ef\u4ee5\u9078\u64c7\uff1a<\/p><ul><li>\u4e0d\u8b80\u9019\u7bc7\u6587\u7ae0<\/li><li>\u8b80\u9019\u7bc7\u6587\u7ae0\uff0c\u5b78\u7fd2\u4f7f\u7528\u6587\u7ae0\u4e2d\u63d0\u5230\u7684\u65b9\u6cd5\uff0c\u904b\u7528\u5230\u4f60\u7684\u751f\u6d3b\u4e2d<\/li><li>\u628a\u9019\u7bc7\u6587\u7ae0\u5206\u4eab\u7d66\u4f60\u6240\u8a8d\u8b58\u7684\u5927\u5b78\u751f\uff0c\u5e6b\u52a9\u4ed6\u5011\u907f\u958b\u6211\u66fe\u7d93\u72af\u4e0b\u7684\u932f\u8aa4<\/li><\/ul><p>\u5982\u679c\u4f60\u662f\u4e00\u540d\u5927\u5b78\u751f\uff0c\u800c\u4e14\u6b63\u5728\u8b80\u8457\u9019\u7bc7\u6587\u7ae0\uff0c\u90a3\u9ebd\u606d\u559c\u4f60\uff01<\/p><p>\u5982\u679c\u4f60\u8b80\u5b8c\u9019\u7bc7\u6587\u7ae0\uff0c\u800c\u4e14\u9084\u6309\u7167\u6587\u7ae0\u4e2d\u7684\u6b65\u9a5f\u53bb\u505a\uff0c\u90a3\u4f60\u5728\u5927\u5b78\u7562\u696d\u4ee5\u5f8c\uff0c\u4f60\u5728\u5927\u5b78\u5f8c\u6094\u6c92\u505a\u7684\u4e8b\u5c07\u6703\u6e1b\u5c11\u4e00\u4ef6\uff01\u800c\u6587\u4e2d\u5185\u5bb9\u5305\u62ec\uff1a<\/p><ul><li>\u6d6a\u8cbb$18,000\u7684\u6545\u4e8b<\/li><li>\u4ec0\u9ebd\u662f\u7406\u8ca1<\/li><li>\u7406\u8ca1\u7684\u7b2c\u4e00\u6b65<\/li><li>\u5982\u4f55\u958b\u59cb\u7ba1\u7406\u91d1\u9322<\/li><li>\u589e\u52a0\u6536\u5165\u7684\u65b9\u5f0f<\/li><li>\u5927\u5b78\u751f\u9069\u5408\u7684\u6295\u8cc7\u985e\u578b<\/li><\/ul><p>[tqb_quiz id=&#8217;1482&#8242;]<\/p><h2><span style=\"color: #3b7abb;\">\u5c0f\u7de8\u5728\u5927\u5b78\u7684\u5c0f\u6545\u4e8b<\/span><\/h2><h6>\u00a0<\/h6><p>\u5c0f\u7de8\u66fe\u7d93\u4e5f\u662f\u5927\u5b78\u751f\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1105 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5927\u5b78\u7562\u696d.png\" alt=\"\u5927\u5b78\u7562\u696d\u751f\u9ad8\u8209\u7562\u696d\u8b49\u66f8\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5927\u5b78\u7562\u696d.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5927\u5b78\u7562\u696d-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5927\u5b78\u7562\u696d-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5c0f\u7de8\u5f88\u5e78\u904b\uff0c\u56e0\u70ba\u6211\u4f86\u81ea\u4e00\u500b\u5bb6\u5883\u4e0d\u932f\u7684\u5bb6\u5ead\u3002\u4e0a\u5927\u5b78\u7684\u4e09\u5e74\uff0c\u6211\u4e0d\u5fc5\u53bb\u6253\u5de5\uff0c\u7238\u7238\u6bcf\u4e00\u500b\u6708\u90fd\u6703\u6309\u6642\u532f\u8db3\u5920\u7684\u751f\u6d3b\u8cbb\u7d66\u6211\u3002<\/p><p>\u6211\u66fe\u7d93\u554f\u904e\u6211\u7684\u670b\u53cb\u5011\uff0c\u4ed6\u5011\u4e00\u500b\u6708\u7684\u751f\u6d3b\u8cbb\u662f\u591a\u5c11\u9322\u3002\u554f\u4e86\u5e7e\u500b\uff0c\u6211\u624d\u767c\u73fe\u6211\u6bcf\u500b\u6708\u7684\u751f\u6d3b\u8cbb\u5e73\u5747\u6bd4\u4ed6\u5011\u591a$500\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u4e5f\u5c31\u662f\u5982\u679c\u6211\u6bcf\u500b\u6708\u5c11\u62ff$500\uff0c\u6211\u4e00\u6a23\u80fd\u5920\u4e0d\u5fc5\u6253\u5de5\uff0c\u5728\u5927\u5b78\u904e\u5f97\u597d\u597d\u7684\u3002<\/p><p>\u6211\u8a18\u5f97\uff0c\u6211\u5728\u5927\u5b78\u7684\u751f\u6d3b\u975e\u5e38\u5730\u958b\u5fc3\u3001\u611c\u610f\u3002\u6211\u7d93\u5e38\u53bb\u6bd4\u8f03\u8cb4\u7684\u9910\u5ef3\u5403\u98ef\uff0c\u6709\u6642\u9084\u6703\u8acb\u670b\u53cb\u5403\u98ef\u3002\u670b\u53cb\u751f\u65e5\u7576\u7136\u5c11\u4e0d\u4e86\u9001\u86cb\u7cd5\u548c\u79ae\u7269\u3002<\/p><p>\u5e7e\u4e4e\u6bcf\u500b\u6708\u90fd\u6703\u7db2\u8cfc\uff0c\u6709\u6642\u5019\u8cb7\u8b77\u819a\u54c1\u3001\u6709\u6642\u5019\u8cb7\u8863\u670d\u3001\u6709\u6642\u5019\u8cb7\u4e00\u4e9b\u770b\u8d77\u4f86\u5f88\u53ef\u611b\u7684\u5c0f\u5bb6\u5177\u3002<\/p><p>\u6709\u6642\u5019\u4e5f\u6703\u548c\u670b\u53cb\u53bb\u4e00\u65e5\u6e38\u6216\u8005\u5c0f\u65c5\u884c\uff0c\u4e00\u8d77\u7559\u4e0b\u4e86\u8a31\u591a\u7f8e\u597d\u7684\u56de\u61b6\u3002<\/p><p>\u5c31\u5728\u5c0f\u7de8\u525b\u525b\u8003\u5b8c\u5927\u5b78\u4e2d\u7684\u6700\u5f8c\u4e00\u500b\u8003\u8a66\u5f8c\uff0c\u7238\u7238\u5c31\u544a\u8a34\u6211\uff0c\u56e0\u70ba\u6211\u4e5f\u5b8c\u6210\u5b78\u696d\uff0c\u8981\u958b\u59cb\u6b65\u5165\u793e\u6703\u5de5\u4f5c\u4e86\uff0c\u6240\u4ee5\u4ed6\u6c7a\u5b9a\u8b93\u6211\u7d93\u6fdf\u7368\u7acb\uff0c\u4e0d\u518d\u7d66\u6211\u96f6\u7528\u9322\u3002<\/p><p>\u5927\u5b78\u4e09\u5e74\uff0c\u4e00\u517136\u500b\u6708\u3002\u5982\u679c\u6211\u4e4b\u524d\u6bcf\u4e00\u500b\u6708\u90fd\u628a$500\u5b58\u4e0b\u4f86\uff0c\u90a3\u6211\u9019\u500b\u6642\u5019\u6703\u5b58\u4e0b$18,000\u3002\u4f60\u4ee5\u70ba\u9019\u6642\u6211\u7684\u9280\u884c\u5e33\u6236\u88e1\u6709\u81f3\u5c11$18,000\u7684\u5b58\u6b3e\u55ce\uff1f\u90a3\u4f60\u5c31\u932f\u4e86\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1106 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8aaa\u4e0d.png\" alt=\"\u4f60\u7684\u7b54\u6848\u662f\u4e0d\u5c0d\u7684\uff0c\u662f\u932f\u7684\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8aaa\u4e0d.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8aaa\u4e0d-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8aaa\u4e0d-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u90a3\u500b\u6642\u5019\uff0c\u6211\u7684\u9280\u884c\u5e33\u6236\u88e1\u53ea\u6709$1,800\u3002<\/p><p>\u6211\u9078\u64c7\u4e0d\u5728\u5bb6\u9109\u5de5\u4f5c\uff0c\u800c\u662f\u4f86\u5230\u9996\u90fd\u7576\u201c\u5317\u6f02\u201d\u3002\u53ef\u4ee5\u60f3\u8c61\uff0c\u4ee5$1,800\u7684\u5b58\u6b3e\uff0c\u6211\u4e00\u958b\u59cb\u79df\u623f\u3001\u627e\u5de5\u4f5c\u3001\u652f\u4ed8\u65e5\u5e38\u958b\u92b7\u8cbb\u7528\u7684\u6642\u5019\u662f\u6709\u591a\u9ebd\u5730\u56f0\u96e3\u3002<\/p><p>\u6211\u8d85\u7d1a\u5f8c\u6094\u81ea\u5df1\u5728\u5927\u5b78\u7684\u6642\u5019\u6c92\u6709\u5b58\u9322\uff0c\u6c92\u6709\u505a\u597d\u7406\u8ca1\u7684\u529f\u8ab2\uff0c\u5f9e\u800c\u5c0e\u81f4\u6211\u7684$18,000\u5c31\u9019\u6a23\u98db\u8d70\u4e86\u3002<\/p><p>\u5982\u679c\u4e0d\u60f3\u50cf\u6211\u4e00\u6a23\u767d\u767d\u6d6a\u8cbb$18,000\uff0c\u90a3\u9ebd\u5c31\u5f9e\u73fe\u5728\u958b\u59cb\u5b78\u7fd2\u7406\u8ca1\u5427\uff01<\/p><blockquote><p><a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-accounting-handbook\/\"><strong>\u9ede\u64ca\u514d\u8cbb\u9818\u53d6\u4eca\u5e74\u6700\u65b0\u7684\u300a\u6700\u5168\u8a18\u5e33\u672c\u300b\uff0c\u5b78\u7fd2\u898f\u5283\u4f60\u7684\u751f\u6d3b\u958b\u92b7\uff0c\u9081\u5411\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\u5427\uff01<\/strong><\/a><\/p><\/blockquote><h2><span style=\"color: #3b7abb;\">\u4ec0\u9ebd\u662f\u7406\u8ca1\uff1f<\/span><\/h2><h6>\u00a0<\/h6><p>\u807d\u5230\u3010\u7406\u8ca1\u3011\u9019\u500b\u8a5e\uff0c\u8a31\u591a\u4eba\u99ac\u4e0a\u6703\u806f\u60f3\u5230\u3010\u6295\u8cc7\u3011\u3001\u3010\u8cb7\u80a1\u7968\u3011\u3001\u3010\u91d1\u878d\u5e02\u5834\u3011\u4e4b\u985e\u7684\u8a5e\u8a9e\uff0c\u66f4\u8a8d\u70ba\u3010\u7406\u8ca1\u3011\u548c\u81ea\u5df1\u4e00\u9ede\u95dc\u4fc2\u90fd\u6c92\u6709\u3002<\/p><p>\u5c0f\u7de8\u5c31\u662f\u56e0\u70ba\u6c92\u6709\u7406\u8ca1\uff0c\u6240\u4ee5\u624d\u8b93\u81ea\u5df1\u8207$18,000\u64e6\u80a9\u800c\u904e\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1107 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9322\u5305\u6c92\u6709\u6c92\u6709\u9322.png\" alt=\"\u9322\u5305\u5185\u4e00\u9ede\u73fe\u91d1\u90fd\u6c92\u6709\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9322\u5305\u6c92\u6709\u6c92\u6709\u9322.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9322\u5305\u6c92\u6709\u6c92\u6709\u9322-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9322\u5305\u6c92\u6709\u6c92\u6709\u9322-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u7406\u8ca1\u5176\u5be6\u5c31\u662f\u3010\u7ba1\u7406\u9322\u8ca1\u3011\u3002<\/p><p>\u7ba1\u7406\u9322\u8ca1\u7684\u65b9\u6cd5\u6709\u5343\u5343\u842c\u842c\u7a2e\u3002\u6700\u57fa\u672c\u7684\u5c31\u662f\u5b58\u9322\uff0c\u4f60\u53ef\u4ee5\u5b58\u5728\u92ea\u64b2\u6eff\u88e1\u3001\u85cf\u5728\u5e8a\u5e95\u3001\u5b58\u5728\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u88e1\uff0c\u76ee\u7684\u662f\u70ba\u4e86\u4e0d\u8981\u8b93\u9322\u5728\u4f60\u7ba1\u7406\u4e0d\u7576\u7684\u60c5\u6cc1\u4e0b\u5c31\u9019\u6a23\u98db\u8d70\u4e86\u3002<\/p><p>\u6295\u8cc7\u4e5f\u662f\u7ba1\u7406\u9322\u8ca1\u7684\u5176\u4e2d\u4e00\u7a2e\u65b9\u6cd5\u3002\u4f60\u53ef\u4ee5\u6295\u8cc7\u5728\u5404\u7a2e\u4e0d\u540c\u7684\u91d1\u878d\u5546\u54c1\uff0c\u5982\uff1a\u80a1\u7968\u3001\u57fa\u91d1\u3001\u5916\u532f\u3001\u9ec3\u91d1\u7b49\u7b49\uff0c\u76ee\u7684\u662f\u70ba\u4e86\u80fd\u5920\u8b93\u4f60\u7ba1\u7406\u7684\u9322\u8b8a\u5f97\u66f4\u591a\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u70ba\u4ec0\u9ebd\u4f60\u5fc5\u9808\u5b78\u6703\u7406\u8ca1\uff1f<\/span><\/h3><p>\u8eab\u70ba\u5927\u5b78\u751f\u7684\u4f60\uff0c\u7372\u5f97\u91d1\u9322\u5e76\u4e0d\u662f\u4ec0\u9ebd\u96e3\u4e8b\u3002\u76f8\u4fe1\u4f60\u53ea\u9700\u8981\u8207\u7236\u6bcd\u901a\u500b\u96fb\u8a71\uff0c\u4ed6\u5011\u901a\u5e38\u90fd\u6703\u7d66\u4f60\u4e86\u3002<\/p><p>\u4f46\u662f\uff0c\u6b65\u5165\u793e\u6703\u958b\u59cb\u5de5\u4f5c\u5f8c\uff0c\u4f60\u5fc5\u9808\u52aa\u529b\u5de5\u4f5c\u4e00\u500b\u6708\uff0c\u9084\u5f97\u9762\u5c0d\u4f86\u81ea\u540c\u4e8b\u7684\u7af6\u722d\u58d3\u529b\u3001\u8001\u95c6\u7684\u9ad8\u8981\u6c42\u3001\u5ba2\u6236\u7684\u4e0d\u53ef\u7406\u55bb\u7b49\u7b49\uff0c\u624d\u80fd\u5920\u9818\u5230\u85aa\u6c34\u3002<\/p><p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5728\u5927\u5b78\u7372\u5f97\u751f\u6d3b\u8cbb\u7684\u65b9\u5f0f\u771f\u7684\u662f\u7c21\u55ae\u5f97\u591a\u3002<\/p><p>\u7576\u7136\uff0c\u534a\u5de5\u534a\u8b80\u7684\u540c\u5b78\u5011\u6703\u6bd4\u8f03\u8f9b\u82e6\uff0c\u9700\u8981\u517c\u9867\u5b78\u696d\u548c\u5de5\u4f5c\u3002<\/p><p>\u4e0d\u7ba1\u662f\u8f15\u9b06\u5730\u5f9e\u7236\u6bcd\u90a3\u88e1\u7372\u5f97\u751f\u6d3b\u8cbb\uff0c\u9084\u662f\u8f9b\u8f9b\u82e6\u82e6\u534a\u5de5\u534a\u8b80\u8cfa\u53d6\u751f\u6d3b\u8cbb\uff0c\u4f60\u5011\u7684\u76ee\u6a19\u5f88\u660e\u78ba\uff0c\u90a3\u5c31\u662f\u2014\u2014\u4e0d\u8981\u56e0\u70ba\u7ba1\u7406\u4e0d\u7576\u800c\u8b93\u9322\u5f9e\u4f60\u8eab\u908a\u98db\u8d70\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u7406\u8ca1\u7684\u597d\u8655<\/span><\/h3><p>\u9664\u4e86\u4e0d\u8b93\u672c\u8a72\u4e56\u4e56\u8eba\u5728\u9280\u884c\u5e33\u6236\u88e1\u7684\u9322\u8207\u4f60\u64e6\u80a9\u800c\u904e\uff0c\u7406\u8ca1\u7a76\u7adf\u80fd\u5920\u5e36\u7d66\u4f60\u4ec0\u9ebd\u597d\u8655\u5462\uff1f<\/p><h4>\u5e6b\u52a9\u4f60\u898f\u5283\u4eba\u751f<\/h4><p>\u5176\u5be6\u7406\u8ca1\u548c\u6211\u5011\u4eba\u751f\u7684\u6574\u9ad4\u898f\u5283\u662f\u606f\u606f\u76f8\u95dc\u7684\u3002\u5f9e\u4f60\u7684\u6536\u5165\u548c\u652f\u51fa\u7684\u6bd4\u4f8b\uff0c\u5c31\u80fd\u770b\u51fa\u4f60\u7684\u751f\u6d3b\u8cea\u91cf\uff0c\u4e5f\u9593\u63a5\u770b\u5f97\u51fa\u4f60\u7684\u751f\u6d3b\u898f\u5283\u3002<\/p><p>\u8a31\u591a\u4eba\u7684\u5922\u60f3\u5c31\u662f\u5e0c\u671b\u80fd\u5920\u9054\u5230\u8ca1\u52d9\u81ea\u7531\uff0c\u53ef\u662f\u537b\u9072\u9072\u6c92\u6709\u5236\u5b9a\u51fa\u4e00\u500b\u53ef\u884c\u7684\u8a08\u5283\uff0c\u66f4\u6c92\u6709\u4ed8\u51fa\u5be6\u969b\u7684\u884c\u52d5\u3002\u96e3\u9053\u9019\u500b\u53ea\u662f\u4e00\u500b\u5634\u4e0a\u8aaa\u8aaa\u7684\u5922\u60f3\u800c\u5df2\u55ce\uff1f<\/p><p>\u6709\u7684\u4eba\u65e9\u65e9\u5c31\u8a2d\u5b9a\u4e86\u4e00\u4e9b\u4eba\u751f\u7684\u76ee\u6a19\uff0c\u6bd4\u5982\uff1a\u8981\u5728\u5e7e\u6b72\u7d50\u5a5a\u3001\u5e7e\u6b72\u751f\u5b69\u5b50\u3001\u5e7e\u6b72\u8cfa\u7684\u4eba\u751f\u7684\u7b2c\u4e00\u6876\u91d1\u3001\u5e7e\u6b72\u8cb7\u4e00\u9593\u623f\u5b50\u7b49\u7b49\u3002<\/p><p>\u5927\u5b78\u7562\u696d\u4ee5\u5f8c\uff0c\u9664\u4e86\u61c9\u4ed8\u5e73\u6642\u7684\u751f\u6d3b\u958b\u92b7\uff0c\u5982\uff1a\u6c34\u96fb\u8cbb\u3001\u4f19\u98df\u8cbb\u3001\u623f\u79df\u3001\u4ea4\u901a\u8cbb\u3001\u5b78\u8cb8\u3001\u4fdd\u96aa\u8cbb\u7b49\u7b49\uff0c\u4f60\u9084\u5fc5\u9808\u5b58\u5230\u8db3\u5920\u7684\u9322\u4f86\u652f\u4ed8\u7d50\u5a5a\u3001\u5ea6\u871c\u6708\u3001\u8cb7\u623f\u5b50\u3001\u61f7\u5b55\u671f\u9593\u3001\u990a\u5c0f\u5b69\u7b49\u7b49\u7684\u8cbb\u7528\u3002<\/p><p>\u600e\u9ebd\u624d\u80fd\u5b58\u5230\u9019\u7b46\u9322\uff1f\u7576\u7136\u662f\u900f\u904e\u7406\u8ca1\u7684\u65b9\u5f0f\u4e86\uff01<\/p><p>\u4eba\u751f\u4e0d\u540c\u968e\u6bb5\u6709\u4e0d\u540c\u7684\u7406\u8ca1\u76ee\u6a19\u548c\u65b9\u5f0f\u3002\u7406\u8ca1\u662f\u61c9\u8a72\u548c\u81ea\u5df1\u7684\u4eba\u751f\u968e\u6bb5\u8207\u8a08\u5283\u4e00\u8d77\u898f\u5283\u3001\u4e00\u8d77\u4fee\u6b63\u3001\u4e00\u8d77\u6539\u9032\u3002<\/p><h4>\u8b93\u4f60\u672a\u96e8\u7da2\u7e46<\/h4><p>\u7406\u8ca1\u7576\u4e2d\u4e5f\u5305\u62ec\u4e86\u5132\u84c4\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1109 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4.png\" alt=\"\u628a\u9322\u5b58\u653e\u5230\u5c0f\u8c6c\u64b2\u6eff\u4e2d\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u8a31\u591a\u7684\u5927\u5b78\u751f\u5c31\u548c\u5c0f\u7de8\u4ee5\u524d\u8b80\u5927\u5b78\u7684\u6642\u5019\u4e00\u6a23\uff0c\u90fd\u662f\u5e36\u8457\u201c\u6709\u591a\u5c11\u82b1\u591a\u5c11\u201d\u7684\u89c0\u5ff5\uff0c\u4e0d\u5920\u7528\u4e86\u624d\u5411\u7236\u6bcd\u8981\u3002<\/p><p>\u5176\u5be6\uff0c\u8eab\u70ba\u5927\u5b78\u751f\u7684\u4f60\uff0c\u61c9\u8a72\u900f\u904e\u7406\u8ca1\uff0c\u990a\u6210\u5132\u84c4\u7684\u7fd2\u6163\u3002<\/p><p>\u5728\u5927\u5b78\u7684\u6642\u5019\uff0c\u6211\u5011\u96e3\u514d\u6703\u9762\u81e8\u4e00\u4e9b\u7dca\u6025\u7684\u7a81\u767c\u72c0\u6cc1\uff0c\u9700\u8981\u82b1\u4e00\u7b46\u9322\uff0c\u6bd4\u5982\u5403\u932f\u6771\u897f\u7009\u809a\u5b50\uff0c\u8981\u53bb\u770b\u91ab\u751f\u3001\u624b\u6a5f\u88ab\u5077\uff0c\u9700\u8981\u8cb7\u65b0\u7684\u3001\u96fb\u8166\u51fa\u73fe\u554f\u984c\u9700\u8981\u7dad\u4fee\u7b49\u7b49\u3002<\/p><p>\u9019\u500b\u6642\u5019\uff0c\u4f60\u53ef\u4ee5\u4e0d\u5fc5\u5411\u7236\u6bcd\u8981\u9322\u4f86\u61c9\u4ed8\uff0c\u4f7f\u7528\u81ea\u5df1\u7684\u5b58\u6b3e\u89e3\u6c7a\u554f\u984c\uff0c\u4e0d\u589e\u52a0\u7236\u6bcd\u7684\u8ca0\u64d4\uff0c\u4e5f\u4e0d\u8b93\u4ed6\u5011\u64d4\u5fc3\u3002<\/p><p>\u9664\u6b64\u4e4b\u5916\uff0c\u5728\u4f60\u5927\u5b78\u7562\u696d\u5373\u5c07\u8e0f\u5165\u793e\u6703\u5de5\u4f5c\uff0c\u81ea\u5df1\u53c8\u6709\u5132\u84c4\u7684\u6642\u5019\uff0c\u4f60\u5c31\u53ef\u4ee5\u5728\u6c92\u6709\u7d93\u6fdf\u58d3\u529b\u7684\u60c5\u6cc1\u4e0b\u79df\u4e00\u500b\u689d\u4ef6\u8f03\u597d\u7684\u623f\u9593\u3002\u5982\u679c\u5b58\u6b3e\u5920\u591a\uff0c\u5de5\u4f5c\u53ca\u751f\u6d3b\u4e0a\u53c8\u6709\u9700\u8981\uff0c\u4f60\u751a\u81f3\u9084\u53ef\u4ee5\u7528\u81ea\u5df1\u7684\u9322\u8cb7\u4e00\u8f1b\u7d93\u6fdf\u5be6\u60e0\u7684\u570b\u7522\u8eca\u4ee3\u6b65\u3002<\/p><p>\u76f8\u4fe1\u7236\u6bcd\u770b\u898b\u4f60\u9019\u822c\u7368\u7acb\uff0c\u6709\u80fd\u529b\u628a\u91d1\u9322\u5206\u914d\u597d\u3001\u7ba1\u7406\u597d\uff0c\u4ed6\u5011\u80af\u5b9a\u6703\u70ba\u4f60\u611f\u5230\u9a55\u50b2\u3002<\/p><h4>\u5e6b\u52a9\u4f60\u589e\u957f\u8ca1\u5bcc<\/h4><p>\u7406\u8ca1\u7684\u76ee\u7684\u9664\u4e86\u7559\u4f4f\u91d1\u9322\uff0c\u4e5f\u53ef\u4ee5\u8b93\u6211\u5011\u7684\u8cc7\u7522\u5e73\u7a69\u7684\u589e\u503c\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1110 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u5347.png\" alt=\"\u7bad\u982d\u5411\u4e0a\u6307\uff0c\u4ee3\u8868\u589e\u503c\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u5347.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u5347-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u5347-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u4e5f\u8a31\u73fe\u5728\u7684\u4f60\u4e5f\u548c\u4ee5\u524d\u7684\u5c0f\u7de8\u4e00\u6a23\uff0c\u6c92\u6709\u5b58\u6b3e\uff0c\u66f4\u4e0d\u80fd\u8ac7\u4ec0\u9ebd\u589e\u503c\u3002<\/p><p>\u5176\u5be6\uff0c\u5982\u679c\u4f60\u53bb\u6aa2\u8996\u4f60\u6bcf\u5929\u7684\u958b\u92b7\uff0c\u76f8\u4fe1\u4f60\u80fd\u5920\u627e\u5230\u53ef\u4ee5\u6e1b\u5c11\u958b\u92b7\u7684\u5730\u65b9\uff0c\u5f9e\u800c\u5b58\u4e0b\u4e00\u4e9b\u9322\u3002\u53ea\u8981\u4f60\u5b58\u5230\u4e86\u4e00\u7b46\u9322\uff0c\u5c31\u53ef\u4ee5\u60f3\u8fa6\u6cd5\u8b93\u9322\u518d\u751f\u9322\u3002<\/p><p>\u5982\u679c\u4f60\u5411\u653f\u5e9c\u501f\u4e86\u6559\u80b2\u8cb8\u6b3e (PTPTN)\uff0c\u90a3\u4f60\u662f\u600e\u9ebd\u7ba1\u7406\u548c\u4f7f\u7528\u9019\u7b46\u9322\u7684\u5462\uff1f\u4f60\u6709\u6c92\u6709\u60f3\u904e\u4ee5\u5f8c\u4f60\u8981\u600e\u9ebd\u9084\u50b5\u5462\uff1f<\/p><p>\u5176\u5be6\uff0c\u5728\u4f60\u7684\u5bb6\u5ead\u53ef\u4ee5\u652f\u4ed8\u4f60\u7684\u5b78\u8cbb\u548c\u751f\u6d3b\u8cbb\u7684\u60c5\u6cc1\u4e0b\uff0c\u6700\u597d\u7684\u65b9\u6cd5\u5c31\u662f\u5229\u7528\u9019\u7b46\u8cb8\u6b3e\u53bb\u6295\u8cc7\uff0c\u800c\u6700\u7c21\u55ae\u7684\u6295\u8cc7\u5c31\u662f\u628a\u9322\u653e\u5728\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\uff08Fixed Deposit, FD\uff09\u3002PTPTN\u7684\u8cb8\u6b3e\u5229\u606f\u5f88\u4f4e\uff0c\u53ea\u67091%\u3002\u5982\u679c\u4f60\u5728\u7562\u696d\u5f8c\u4e00\u5e74\u4e4b\u5167\u9084\u6e05\u8cb8\u6b3e\uff0c\u4f60\u5247\u53ef\u4ee5\u88ab\u8c41\u514d\u511f\u9084\u5229\u606f\u3002\u99ac\u4f86\u897f\u4e9eFD\u5b58\u6b3e\u7684\u5e74\u5229\u7387\u7d043%\uff0c\u4f60\u628a\u5f9eFD\u8cfa\u4f86\u7684\u9322\u62ff\u53bb\u9084\u8cb8\u6b3e\uff0c\u9084\u6709\u5269\u4f59\u7684\u5462\uff01<\/p><p>\u4f46\u662f\uff0c\u5982\u679c\u8003\u616e\u901a\u8ca8\u81a8\u8139\u7684\u554f\u984c\uff0cFD\u7684\u5229\u606f\u53ea\u9ad8\u51fa\u901a\u81a8\u7387\u4e00\u9ede\u9ede\uff0c\u6240\u4ee5\u5982\u679c\u771f\u60f3\u70ba\u81ea\u5df1\u7684\u8cc7\u7522\u589e\u503c\uff0c\u5c31\u5fc5\u9808\u505a\u5225\u7684\u6295\u8cc7\u4e86\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u7406\u8ca1\u7684\u7b2c\u4e00\u6b65\u8207\u9322\u6c92\u6709\u95dc\u4fc2<\/span><\/h2><h6>\u00a0<\/h6><p>\u5148\u4e0d\u7ba1\u4f60\u6709\u6c92\u6709\u5b58\u9322\u7684\u7fd2\u6163\u3002<\/p><p>\u9996\u5148\uff0c\u4f60\u8981\u505a\u7684\u4e8b\u60c5\uff0c\u90a3\u51fa\u4e00\u5f35\u7d19\u548c\u7b46\uff0c\u6216\u8005\u5728\u96fb\u8166\u6253\u958b\u4e00\u500b\u65b0\u7684Word\u6a94\u3002\u7136\u5f8c\u6309\u7167\u4ee5\u4e0b\u7684\u6b65\u9a5f\u505a\u3002<\/p><h3><span style=\"color: #62c3c9;\">Step 1\uff1a\u8a2d\u7acb\u660e\u78ba\u7684\u76ee\u6a19<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1111 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u76ee\u6a19.png\" alt=\"\u660e\u78ba\u7684\u76ee\u6a19\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u76ee\u6a19.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u76ee\u6a19-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u76ee\u6a19-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u201c\u6211\u8981\u904e\u5f97\u5f88\u597d\u201c\u3001\u201c\u6211\u8981\u8cfa\u5f88\u591a\u9322\u201d\u3001\u201c\u6211\u8981\u4f4f\u5927\u623f\u5b50\u201d&#8230;\u9019\u4e9b\u7b97\u662f\u76ee\u6a19\u55ce\uff1f\u662f\uff0c\u4f46\u662f\u9019\u4e9b\u76ee\u6a19\u90fd\u4e0d\u5920\u660e\u78ba\u3002<\/p><p>\u9762\u5c0d\u4ee5\u4e0a\u9019\u7a2e\u4e0d\u660e\u78ba\u7684\u201c\u76ee\u6a19\u201d\uff0c\u6211\u5011\u7121\u6cd5\u8a55\u65b7\u4ec0\u9ebd\u6642\u5019\u7b97\u9054\u6a19\u3002\u4ec0\u9ebd\u6642\u5019\u7b97\u904e\u5f97\u597d\u3001\u591a\u5c11\u9322\u624d\u7b97\u591a\u3001\u623f\u5b50\u591a\u5927\u624d\u7b97\u5927\uff1f\u3002\u7528\u4e00\u500b\u5f62\u5bb9\u8a5e\u4f86\u8861\u91cf\u76ee\u6a19\u7c21\u76f4\u592a\u6a21\u7cca\u4e86\u3002<\/p><p>\u771f\u6b63\u7684\u76ee\u6a19\u662f\u5fc5\u9808\u66f4\u52a0\u7684\u660e\u78ba\uff0c\u66f4\u52a0\u7684\u5177\u9ad4\u3002\u6bd4\u5982\uff1a\u6211\u8981\u5728\u7562\u696d\u5f8c\u96e2\u9109\u80cc\u4e95\u5de5\u4f5c\u6642\uff0c\u79df\u4e00\u9593\u55ae\u4eba\u623f\u3001\u5de5\u4f5c\u4e00\u5e74\u5f8c\u8981\u5e36\u4e00\u5bb6\u4eba\u5230\u6cf0\u570b\u65c5\u884c\u4e00\u500b\u661f\u671f\u3001\u5169\u5e74\u5f8c\u6709$15,000\u7684\u5b58\u6b3e\u3001\u5728\u4e94\u5e74\u5f8c\u8cb7\u4e0b\u5728A\u5340\u7684\u4e00\u9593\u96d9\u5c64\u6392\u5c4b\u3001\u7d50\u5a5a\u904e\u5f8c\u8981\u5230\u6b50\u6d32\u5ea6\u871c\u6708\u4e00\u500b\u6708\u3001\u572855\u6b72\u9000\u4f11\u5e76\u4e14\u9054\u5230\u8ca1\u52d9\u81ea\u7531\u3002\u5982\u679c\u4f60\u505a\u5230\u4e86\uff0c\u5c31\u7b97\u662f\u9054\u6a19\uff1b\u5982\u679c\u505a\u4e0d\u5230\uff0c\u5c31\u662f\u5931\u6557\u3002<\/p><p>\u5beb\u4e0b\u4eba\u751f\u4e2d5-10\u500b\u91cd\u5927\u53c8\u660e\u78ba\u7684\u76ee\u6a19\u5f8c\uff0c\u6211\u5011\u99ac\u4e0a\u5c31\u9032\u884c\u4e0b\u4e00\u6b65\u3002<\/p><h3><span style=\"color: #62c3c9;\">Step 2\uff1a\u5236\u5b9a\u8a08\u5283<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1108 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u5283.png\" alt=\"\u8a08\u5283\u7684\u82f1\u6587\u662fplan\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u5283.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u5283-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u5283-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u6709\u4e86\u78ba\u7acb\u7684\u76ee\u6a19\uff0c\u4f60\u5c31\u53ef\u4ee5\u5236\u5b9a\u76f8\u61c9\u7684\u8a08\u5283\u4f86\u5b8c\u6210\u76ee\u6a19\uff0c\u4e0d\u8b93\u81ea\u5df1\u6d6a\u8cbb\u6642\u9593\u548c\u7cbe\u529b\u5728\u8207\u76ee\u6a19\u80cc\u9053\u800c\u99b3\u7684\u4e8b\u60c5\u4e0a\u3002<\/p><p>\u8981\u9054\u5230\u4e00\u500b\u5927\u76ee\u6a19\uff0c\u4f60\u5fc5\u9808\u5236\u5b9a\u5e7e\u500b\u5927\u5927\u5c0f\u5c0f\u7684\u8a08\u5283\uff0c\u4f86\u5e6b\u52a9\u4f60\u4e00\u6b65\u4e00\u811a\u5370\u5730\u5b8c\u6210\u76ee\u6a19\u3002<\/p><p>\u9019\u6a23\u4e00\u4f86\uff0c\u5b8c\u6210\u4e00\u500b\u5927\u76ee\u6a19\u5e76\u4e0d\u662f\u4ec0\u9ebd\u96e3\u4e8b\uff0c\u56e0\u70ba\u4f60\u77e5\u9053\uff0c\u53ea\u8981\u4f60\u505a\u5230\u4f60\u6240\u8a2d\u5b9a\u4e0b\u4f86\u7684\u5c0f\u8a08\u5283\u548c\u5927\u8a08\u5283\uff0c\u4f60\u5c31\u53ef\u4ee5\u9054\u5230\u4f60\u7684\u5927\u76ee\u6a19\u4e86\u3002<\/p><p>\u4f60\u53ef\u4ee5\u4e0b\u8f09\u4ee5\u4e0b\u9019\u500b\u76ee\u6a19\u53ca\u8a08\u5283\u5236\u5b9a\u6a21\u677f\uff0c\u88e1\u9762\u4e5f\u6709\u4f8b\u5b50\u6559\u4f60\u8a2d\u5b9a\u53ef\u884c\u7684\u8a08\u5283\uff0c\u5e6b\u52a9\u4f60\u5be6\u73fe\u4f60\u7684\u76ee\u6a19\u3002<\/p><div class=\"wp-block-file alignleft\"><a href=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u76ee\u6a19\u548c\u8a08\u5283\u6a21\u677f.docx\"><strong><span class=\"has-inline-color has-vivid-cyan-blue-color\">\u76ee\u6a19\u548c\u8a08\u5283\u6a21\u677f<\/span><\/strong><\/a><a class=\"wp-block-file__button\" href=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u76ee\u6a19\u548c\u8a08\u5283\u6a21\u677f.docx\" download=\"\">Download<\/a><\/div><h2><span style=\"color: #3b7abb;\">\u5982\u4f55\u958b\u59cb\u7ba1\u7406\u91d1\u9322\uff0c\u5f9e\u800c\u5e6b\u52a9\u4f60\u5b8c\u6210\u7406\u60f3\uff1f<\/span><\/h2><h6>\u00a0<\/h6><p>\u6709\u4e86\u660e\u78ba\u7684\u76ee\u6a19\u548c\u8a08\u5283\uff0c\u5982\u679c\u4f60\u4e0d\u53bb\u4ed8\u51fa\u5be6\u969b\u7684\u884c\u52d5\u53bb\u5be6\u8e10\u5b83\u5011\uff0c\u90a3\u4f60\u6240\u505a\u7684\u4e5f\u53ea\u662f\u5f92\u52de\u3002<\/p><p>\u53ea\u8981\u4f60\u958b\u59cb\u5be6\u8e10\uff0c\u4f60\u5c31\u6703\u53d6\u5f97\u767c\u5c55\uff0c\u767c\u5c55\u4e86\u624d\u6703\u6709\u6539\u8b8a\u3002<\/p><p>\u5be6\u8e10\u8a08\u5283\u662f\u6bd4\u8f03\u8271\u96e3\u7684\u4e00\u4ef6\u4e8b\uff0c\u56e0\u70ba\u5b83\u9700\u8981\u52d5\u529b\u3001\u4fe1\u5fc3\u3001\u5805\u6301\u53ca\u81ea\u5f8b\u624d\u80fd\u5b8c\u6210\u3002<\/p><p>\u4f46\u662f\uff0c\u5be6\u8e10\u7406\u8ca1\u4e5f\u6c92\u6709\u90a3\u9ebd\u96e3\u3002\u4f60\u53ef\u4ee5\u5f9e\u57f9\u990a\u7c21\u55ae\u7684\u7fd2\u6163\u958b\u59cb\uff0c\u6bd4\u5982\uff1a\u8a18\u9304\u65e5\u5e38\u958b\u92b7\uff0c\u6216\u8005\u6212\u6389\u4e0d\u826f\u7684\u7fd2\u6163\u3002<\/p><p>\u904e\u5f8c\uff0c\u4f60\u53ef\u4ee5\u901a\u904e\u6e1b\u5c11\u958b\u652f\u53ca\u589e\u52a0\u6536\u5165\u4f86\u5e6b\u52a9\u4f60\u64c1\u6709\u66f4\u591a\u53ef\u4ee5\u88ab\u4f60\u59a5\u5584\u7ba1\u7406\u7684\u91d1\u9322\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u8a18\u9304\u65e5\u5e38\u958b\u92b7<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1113 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6bcf\u500b\u6708\u8a18\u5e33.png\" alt=\"\u628a\u4e00\u500b\u6708\u6240\u6709\u7684\u82b1\u8cbb\u548c\u652f\u51fa\u90fd\u4e00\u4e00\u5217\u51fa\u4f86\uff0c\u8a08\u7b97\u652f\u51fa\u7e3d\u6578\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6bcf\u500b\u6708\u8a18\u5e33.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6bcf\u500b\u6708\u8a18\u5e33-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6bcf\u500b\u6708\u8a18\u5e33-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u8a18\u9304\u65e5\u5e38\u958b\u92b7\u53ef\u4ee5\u662f\u8eab\u70ba\u5927\u5b78\u751f\u7684\u4f60\u5728\u7406\u8ca1\u7684\u8def\u4e0a\u9081\u51fa\u7684\u7b2c\u4e00\u6b65\u3002<\/p><p>\u4f60\u53ef\u4ee5\u5c07\u65e5\u5e38\u958b\u92b7\u6b78\u985e\u70ba\u4f19\u98df\u8cbb\u3001\u4f4f\u5bbf\u8cbb\u3001\u4ea4\u901a\u8cbb\u3001\u8cfc\u7269\u3001\u5065\u8eab\u7b49\u7b49\uff0c\u5229\u7528<a href=\"https:\/\/rich01.com\/exce-3\/\" target=\"_blank\" rel=\"noopener\">\u8a18\u8cecExcel<\/a>\u6216\u8a18\u8cecapp\u4f86\u8a18\u9304\u4f60\u6bcf\u5929\u7684\u958b\u92b7\u3002<\/p><p>\u5343\u842c\u5225\u5c0f\u770b\u8a18\u9304\u65e5\u5e38\u958b\u92b7\u9019\u4ef6\u4e8b\uff0c\u56e0\u70ba\u9019\u4e0d\u662f\u6bcf\u500b\u4eba\u90fd\u6301\u4e4b\u4ee5\u6052\u5730\u53bb\u505a\u7684\u3002<\/p><p>\u8a18\u9304\u65e5\u5e38\u958b\u92b7\u80fd\u8b93\u4f60\u6e05\u695a\u770b\u5230\u4f60\u7684\u9322\u90fd\u82b1\u5728\u54ea\u88e1\uff0c\u7136\u5f8c\u9032\u884c\u53cd\u601d\uff0c\u5f9e\u800c\u77e5\u9053\u8981\u6e1b\u5c11\u54ea\u4e00\u65b9\u9762\u6d88\u8cbb\uff0c\u4e26\u5c0d\u63a5\u4e0b\u4f86\u7684\u65e5\u5b50\u5236\u5b9a\u7701\u9322\u8a08\u5283\u3002<\/p><p>\u8a18\u9304\u53ea\u662f\u500b\u958b\u59cb\uff0c\u660e\u667a\u7684\u63a7\u5236\u958b\u92b7\u624d\u662f\u771f\u6b63\u7684\u76ee\u7684\u3002\u901a\u904e\u8a18\u9304\u65e5\u5e38\u958b\u92b7\uff0c\u6709\u6548\u7ba1\u7406\u9322\u8ca1\u7684\u7fd2\u6163\u4fbf\u53ef\u4ee5\u6162\u6162\u5730\u88ab\u57f9\u990a\u8d77\u4f86\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u6212\u6389\u4e0d\u826f\u7fd2\u6163<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1114 size-full aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6212\u70df.png\" alt=\"\" width=\"780\" height=\"496\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6212\u70df.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6212\u70df-300x191.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6212\u70df-768x488.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u7406\u8ca1\u5176\u5be6\u4e5f\u548c\u751f\u6d3b\u65b9\u5f0f\u6709\u5bc6\u5207\u7684\u95dc\u7cfb\u3002\u8a31\u591a\u4e0d\u826f\u7fd2\u6163\u5982\uff1a\u62bd\u7159\u3001\u559d\u9152\u3001\u8ced\u535a\u7b49\u7b49\uff0c\u90fd\u662f\u6703\u8b93\u6211\u5011\u82b1\u8cbb\u975e\u5e38\u591a\u91d1\u9322\u7684\u7fd2\u6163\u3002<\/p><p>\u5047\u8a2d\u4e00\u5305\u7159\uff0820\u6839\uff09\u7684\u50f9\u683c\u70ba$10\uff0c\u4f60\u4e00\u5929\u8981\u62bd\u5169\u6839\uff0c\u6240\u4ee5\u4f60\u4e00\u500b\u6708\u5c31\u5fc5\u9808\u62bd3\u5305\u7159\uff0c\u4e00\u500b\u6708\u82b1\u8cbb$30\u5728\u62bd\u70df\u3002\u5927\u5b78\u56db\u5e74\u4e0b\u4f86\uff0c\u4f60\u4e00\u5171\u6703\u82b1$1440\u5728\u62bd\u70df\u3002\u6b64\u5916\uff0c\u62bd\u70df\u3001\u559d\u9152\u6703\u640d\u5bb3\u5065\u5eb7\u51fa\u72c0\u6cc1\uff0c\u4ee5\u5f8c\u9084\u4e0d\u77e5\u9053\u4f60\u8981\u82b1\u8cbb\u591a\u5c11\u9322\u5728\u91ab\u85e5\u8cbb\u4e0a\u5462\uff01<\/p><p>\u6240\u4ee5\uff0c\u6539\u4e86\u4e0d\u826f\u7fd2\u6163\uff0c\u4e0d\u50c5\u8b93\u4f60\u64c1\u6709\u5065\u5eb7\u7684\u751f\u6d3b\uff0c\u66f4\u8b93\u4f60\u64c1\u6709\u66f4\u591a\u7684\u91d1\u9322\u53bb\u597d\u597d\u5229\u7528\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u88fd\u4f5c\u9810\u7b97<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1116 size-full aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/2020\u5e74\u8ca1\u653f\u9810\u7b97.png\" alt=\"\u88fd\u4f5c2020\u5e74\u7684\u8ca1\u653f\u9810\u7b97\" width=\"780\" height=\"534\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/2020\u5e74\u8ca1\u653f\u9810\u7b97.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/2020\u5e74\u8ca1\u653f\u9810\u7b97-300x205.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/2020\u5e74\u8ca1\u653f\u9810\u7b97-768x526.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5f9e\u7236\u6bcd\u90a3\u88e1\u9818\u5230\u96f6\u7528\u9322\u5f8c\uff0c\u4f46\u5728\u82b1\u9322\u4e4b\u524d\uff0c\u4f60\u53ef\u4ee5\u5229\u7528\u201c<a href=\"https:\/\/valueinmind.co\/6-jars-financial-management-system\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u516d\u500b\u7f50\u5b50\u5b58\u9322\u6cd5<\/a>\u201d\u4f86\u88fd\u4f5c\u6bcf\u500b\u6708\u7684\u82b1\u9322\u9810\u7b97\uff0c\u628a\u91d1\u9322\u5148\u5206\u914d\u597d\u3002<\/p><p>\u9019\u6a23\u4e00\u4f86\uff0c\u4f60\u5c31\u80fd\u6e05\u695a\u77e5\u9053\uff0c\u9019\u500b\u6708\u4f60\u53ef\u4ee5\u82b1\u591a\u5c11\u9322\u5728\u5a1b\u6a02\u6d3b\u52d5\u3001\u8cb7\u66f8\u3001\u6350\u9322\u7b49\u7b49\u3002<\/p><p>\u5728\u201c\u751f\u6d3b\u5fc5\u9808\u5e33\u6236\u201d\u4e2d\uff0c\u4f60\u53ef\u4ee5\u5148\u9810\u8a2d\u597d\u6bcf\u4e00\u9805\u82b1\u8cbb\u7684\u6578\u984d\u3002\u6bd4\u5982\uff0c\u79df\u91d1$500\u3001\u4f19\u98df\u8cbb$600\u3001\u4ea4\u901a\u8cbb$100\u7b49\u7b49\u3002\u8a2d\u4e0b\u9019\u4e9b\u6578\u76ee\u5f8c\uff0c\u4f60\u5fc5\u9808\u63a7\u5236\u81ea\u5df1\u7684\u82b1\u8cbb\uff0c\u4e0d\u8b93\u81ea\u5df1\u82b1\u8d85\u51fa\u6240\u8a2d\u4e0b\u7684\u6578\u76ee\u3002<\/p><p>\u53e6\u4e00\u65b9\u9762\uff0c\u516d\u500b\u7f50\u5b50\u4e2d\u4e5f\u6709\u7528\u4f86\u5132\u84c4\u7684\u201c\u9577\u671f\u5132\u84c4\u518d\u82b1\u6389\u5e33\u6236\u201d\uff0c\u5b83\u53ef\u4ee5\u5e6b\u52a9\u4f60\u5b8c\u6210\u4f60\u6240\u5236\u5b9a\u7684\u76ee\u6a19\u548c\u8a08\u5283\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u6e1b\u5c11\u652f\u51fa<\/span><\/h3><p>\u5982\u679c\u63d0\u5230\u5b58\u9322\uff0c\u60f3\u5fc5\u5927\u5bb6\u7b2c\u4e00\u500b\u60f3\u5230\u7684\u65b9\u6cd5\u5c31\u662f\u6e1b\u5c11\u652f\u51fa\uff0c\u80fd\u7701\u5247\u7701\u4e86\u3002<\/p><p>\u8981\u6e1b\u5c11\u652f\u51fa\uff0c\u6700\u5bb9\u6613\u7684\u65b9\u6cd5\u5c31\u662f\uff1a\u6bcf\u7576\u4f60\u60f3\u8cb7\u4e00\u4ef6\u7269\u54c1\u6642\uff0c\u5148\u554f\u554f\u81ea\u5df1\uff0c\u9019\u662f\u5fc5\u9700\u54c1\u55ce\uff1f\u503c\u5f97\u55ce\uff1f<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1118 size-full\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u62d2\u7d55.png\" alt=\"\u5728\u8cb7\u6771\u897f\u4e4b\u524d\uff0c\u5148\u505c\u4e0b\u4f86\u60f3\u4e00\u60f3\uff0c\u662f\u5426\u771f\u7684\u6709\u9700\u8981\u8cb7\" width=\"780\" height=\"519\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u62d2\u7d55.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u62d2\u7d55-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u62d2\u7d55-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5728\u8cb7\u50f9\u683c\u6bd4\u8f03\u9ad8\u7684\u7269\u54c1\u4e4b\u524d\uff0c\u7d66\u81ea\u5df1\u8a2d\u5b9a\u4e00\u6bb5\u7b49\u5f85\u6642\u9593\uff0c\u6bd4\u5982\u8aaa\u7b49\u5f851\u5929\uff0c\u8b93\u6642\u9593\u4f86\u6c96\u6de1\u4f60\u60f3\u8cb7\u4e0b\u5b83\u7684\u6c96\u52d5\uff0c\u5c11\u4e86\u6c96\u52d5\u4f60\u4fbf\u80fd\u66f4\u660e\u667a\u7684\u505a\u51fa\u9078\u64c7\u3002<\/p><p>\u9664\u6b64\u4e4b\u5916\uff0c\u4f60\u4e5f\u53ef\u4ee5\u5728\u53bb\u8d85\u5e02\u524d\u5beb\u4e00\u500b\u8cfc\u7269\u6e05\u55ae\uff0c\u8b93\u4f60\u53ea\u8cb7\u6e05\u55ae\u4e0a\u7684\u7269\u54c1\u3002\u9019\u6a23\u4e00\u4f86\uff0c\u4f60\u5c31\u4e0d\u6703\u6f2b\u7121\u76ee\u7684\u5730\u901b\u8d85\u5e02\uff0c\u5c0e\u81f4\u4f60\u5728\u901b\u7684\u904e\u7a0b\u4e2d\u4e0d\u5c0f\u5fc3\u8cb7\u4e0b\u4e00\u4e9b\u4e0d\u9700\u8981\u7684\u6771\u897f\u3002\u8cb7\u4e86\u8a72\u8cb7\u7684\uff0c\u76f4\u63a5\u201c\u6253\u9053\u56de\u5e9c\u201d\uff0c\u907f\u514d\u518d\u88ab\u8a98\u60d1\u3002<\/p><p>\u5982\u679c\u4f60\u4e4b\u524d\u5411\u653f\u5e9c\u501f\u4e86\u6559\u80b2\u8cb8\u6b3e (PTPTN)\uff0c\u4e26\u4e14\u8003\u53d6\u4e86\u512a\u7570\u7684\u6210\u7e3e\uff0c\u5728\u7279\u5b9a\u7684\u689d\u4ef6\u4e0b\uff0c\u4f60\u53ef\u4ee5\u88ab\u8c41\u514d\u511f\u9084\u8cb8\u6b3e\uff0c\u6e1b\u5c11\u4e00\u5927\u7b46\u7684\u652f\u51fa\uff01<\/p><h3><span style=\"color: #62c3c9;\">\u589e\u52a0\u6536\u5165<\/span><\/h3><p>\u60f3\u8981\u5b58\u4e0b\u66f4\u591a\u7684\u9322\uff0c\u6700\u76f4\u63a5\u7684\u65b9\u6cd5\u5c31\u662f\u589e\u52a0\u4f60\u7684\u6536\u5165\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"444\" class=\"wp-image-1120 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u64c1\u6709\u5f88\u591a\u9322.png\" alt=\"\u7537\u4eba\u8cfa\u5230\u4e86\u5f88\u591a\u9322\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u64c1\u6709\u5f88\u591a\u9322.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u64c1\u6709\u5f88\u591a\u9322-300x171.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u64c1\u6709\u5f88\u591a\u9322-768x437.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u4f60\u53ef\u4ee5\u9078\u64c7\u5728\u5b78\u6821\u5047\u671f\u7684\u6642\u5019\u6253\u5de5\uff0c\u8cfa\u53d6\u5916\u5feb\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4f60\u9084\u53ef\u4ee5\u8d81\u9019\u500b\u6a5f\u6703\u63a5\u89f8\u8a31\u591a\u4e0d\u540c\u9818\u57df\u7684\u4eba\uff0c\u5f9e\u800c\u64f4\u5927\u81ea\u5df1\u7684\u4eba\u8108\u3002\u4ee5\u5f8c\u4f60\u958b\u59cb\u5de5\u4f5c\u7684\u6642\u5019\uff0c\u4ed6\u5011\u6709\u53ef\u80fd\u6703\u5728\u4f60\u60f3\u4e0d\u5230\u7684\u5730\u65b9\u5e6b\u4f60\u4e00\u628a\u5462\uff01<\/p><p>\u53e6\u4e00\u500b\u589e\u52a0\u6536\u5165\u7684\u65b9\u5f0f\u662f\u6295\u8cc7\u3002\u5c0d\u65bc\u5927\u5b78\u751f\uff0c\u6295\u8cc7\u65b9\u9762\u7d93\u9a57\u6bd4\u8f03\u5c11\uff0c\u751a\u81f3\u6709\u53ef\u80fd\u5b8c\u5168\u6c92\u6709\u63a5\u89f8\u904e\u3002\u5c0f\u7de8\u6703\u5728\u6587\u7ae0\u63a5\u4e0b\u4f86\u7684\u90e8\u5206\u8ac7\u5230\u9069\u5408\u5927\u5b78\u751f\u7684\u6295\u8cc7\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u589e\u52a0\u6536\u5165\u7684\u5176\u4e2d\u4e00\u7a2e\u65b9\u5f0f\uff0c\u5c31\u662f\u6295\u8cc7<\/span><\/h2><h6>\u00a0<\/h6><p>\u4f60\u5011\u77e5\u9053\u55ce\uff1f\u6295\u8cc7\u662f\u8d8a\u65e9\u958b\u59cb\u8d8a\u597d\u7684\u3002<\/p><p>\u8b93\u6211\u5011\u4f86\u505a\u4e00\u500b\u5047\u8a2d\u3002<\/p><p>\u5047\u8a2d\u4f60\u6bcf\u5e74\u7528$10,000\u4f86\u6295\u8cc7\uff0c\u6295\u8cc7\u7684\u5831\u916c\u662f\u4e00\u5e748%\uff0c\u4f86\u5230\u7b2c\u5341\u5e74\u7684\u6642\u5019\uff0c\u4f60\u5c31\u6703\u64c1\u6709\u5927\u7d04$156,000\u4e86\u3002\u4f60\u7e7c\u7e8c\u628a\u9019\u7b46\u9322\u7559\u5728\u6295\u8cc7\u4e2d\uff0c\u4e0d\u53d6\u51fa\u4f86\uff0c\u4e5f\u4e0d\u7e7c\u7e8c\u6295\u5165\u8cc7\u91d1\uff0c\u90a3\u9ebd\u4e8c\u5341\u5e74\u5f8c\uff0c\u4f60\u7684$156,000\u6703\u8b8a\u6210$730,000\u3002<\/p><p>\u4f60\u7684\u670b\u53cb\uff0cB\uff0c\u5728\u4f60\u6295\u8cc7\u5230\u7b2c\u5341\u5e74\uff08\u4e5f\u5c31\u662f\u4f60\u5df2\u7d93\u64c1\u6709$156,000\uff0c\u5e76\u4e14\u4e0d\u518d\u7e7c\u7e8c\u6ce8\u5165\u8cc7\u91d1\uff09\u7684\u6642\u5019\u958b\u59cb\u6295\u8cc7\u3002\u4ed6\u4e5f\u548c\u4f60\u4e00\u6a23\u6bcf\u5e74\u7528$10,000\u4f86\u6295\u8cc7\uff0c\u6295\u8cc7\u7684\u5831\u916c\u662f\u4e00\u5e748%\u3002\u552f\u4e00\u7684\u5340\u5225\u662f\uff0c\u4ed6\u9023\u6bcf\u5e74\u90fd\u6703\u6295\u5165$10,000\u7684\u8cc7\u91d1\uff0c\u9023\u7e8c\u4e8c\u5341\u5e74\uff0c\u671f\u9593\u4e5f\u5f9e\u672a\u53d6\u51fa\u4e00\u5206\u9322\u3002<\/p><p>\u90a3B\u5728\u6295\u8cc7\u7684\u7b2c\u4e8c\u5341\u5e74\uff08\u4e5f\u5c31\u662f\u4f60\u7684\u7b2c\u4e09\u5341\u5e74\uff09\uff0c\u4ed6\u5728\u9019\u9805\u6295\u8cc7\u4e2d\u7e8d\u7a4d\u7684\u8ca1\u5bcc\u662f\u591a\u5c11\u5462\uff1f<\/p><p>\u60f3\u5fc5\u4f60\u4e00\u5b9a\u6703\u89ba\u5f97B\u80fd\u5920\u7372\u5f97\u66f4\u591a\u7684\u9322\u5427\uff0c\u7562\u7adf\u4ed6\u5b58\u6bd4\u4f60\u591a\u5341\u5e74\u7684\u9322\u3002<\/p><p>\u7576\u4f60\u5728\u7b2c\u4e09\u5341\u5e74\u7684\u6642\u5019\u64c1\u6709\u63a5\u8fd1$730,000\u3002\u96d6\u7136B\u6bd4\u4f60\u5b58\u591a\u5341\u5e74\u7684\u9322\uff0c\u4f46\u662fB\u5728\u4ed6\u6295\u8cc7\u7684\u7b2c\u4e8c\u5341\u5e74\u7684\u6642\u5019\uff0c\u53ea\u64c1\u6709\u63a5\u8fd1$500,000\u3002<\/p><p>\u96d6\u7136\u8eab\u70ba\u5927\u5b78\u751f\u7684\u4f60\uff0c\u6c92\u6709\u904e\u591a\u7684\u8cc7\u91d1\uff0c\u4f46\u662f\u4f60\u5011\u6709\u7684\u662f\u6642\u9593\u7684\u672c\u9322\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1121 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6642\u9593\u7684\u91cd\u8981\u6027.png\" alt=\"\u6642\u9593\u5c31\u662f\u5e74\u8f15\u4eba\u548c\u5927\u5b78\u751f\u6700\u5927\u7684\u8cc7\u7522\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6642\u9593\u7684\u91cd\u8981\u6027.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6642\u9593\u7684\u91cd\u8981\u6027-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6642\u9593\u7684\u91cd\u8981\u6027-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u96d6\u7136\u6295\u8cc7\u662f\u8d8a\u65e9\u958b\u59cb\u6295\u8cc7\u8d8a\u597d\uff0c\u4f46\u662f\u5728\u771f\u6b63\u6295\u958b\u59cb\u6295\u8cc7\u4e4b\u524d\uff0c\u8acb\u4f60\u52d9\u5fc5\u5148<a href=\"https:\/\/valueinmind.co\/zh\/courses\/?utm_source=marketing&amp;utm_medium=website_blog&amp;utm_campaign=blog-post-what-i-regret-the-most-after-graduation\" target=\"_blank\" rel=\"noopener\">\u5b78\u7fd2\u5982\u4f55\u6295\u8cc7<\/a>\u3001\u5efa\u7acb\u597d\u6295\u8cc7\u57fa\u790e\u3001\u638c\u63e1\u91d1\u878d\u65b9\u9762\u7684\u77e5\u8b58\u3001\u77ad\u89e3\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u64d4\u80fd\u529b\u3002<\/p><p>\u5982\u679c\u4f60\u5c31\u8b80\u7684\u79d1\u7cfb\u662f\u91d1\u878d\uff0c\u76f8\u4fe1\u4f60\u5c0d\u6295\u8cc7\u65b9\u9762\u7684\u77e5\u8b58\u662f\u6709\u4e00\u5b9a\u7684\u57fa\u790e\u7684\uff0c\u4f46\u4e0d\u4ee3\u8868\u4f60\u5c31\u4e0d\u9700\u8981\u518d\u8ddf\u9032\u4e86\u3002\u4f60\u4f9d\u7136\u8981\u63a5\u6536\u5927\u91cf\u8ca1\u7d93\u65b0\u805e\uff0c\u5b78\u7fd2\u65b0\u7684\u7d93\u6fdf\u7406\u8ad6\uff0c\u8207\u6642\u4e26\u9032\u3002<\/p><p>\u6c92\u6709\u63a5\u89f8\u904e\u91d1\u878d\u77e5\u8b58\u7684\u5b78\u751f\uff0c\u66f4\u52a0\u61c9\u8a72\u4e0b\u66f4\u591a\u7684\u529f\u592b\uff0c\u505a\u597d\u529f\u8ab2\uff0c\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u6295\u8cc7\u65b9\u5f0f\uff0c\u5343\u842c\u4e0d\u8981\u5306\u5fd9\u5165\u5834\uff0c\u4e5f\u4e0d\u8981\u592a\u597d\u9ad8\u9a16\u9060\u548c\u6025\u529f\u8fd1\u5229\u3002<\/p><p>\u96d6\u7136\u4f60\u4e0d\u80fd\u99ac\u4e0a\u958b\u59cb\u6295\u8cc7\uff0c\u5229\u7528\u6642\u9593\u4f86\u8b93\u9322\u751f\u66f4\u591a\u7684\u9322\uff0c\u4f46\u597d\u5728\u65bc\u4f60\u6bd4\u5225\u4eba\u65e9\u610f\u8b58\u5230\u6295\u8cc7\u7684\u91cd\u8981\u6027\uff0c\u4e26\u4e14\u6bd4\u5225\u4eba\u65e9\u5b78\u6703\u6295\u8cc7\u7684\u6280\u80fd\u3002\u5148\u82b1\u6642\u9593\u5b78\u7fd2\u76f8\u95dc\u7684\u77e5\u8b58\uff0c\u9072\u5e7e\u500b\u6708\u624d\u958b\u59cb\u6295\u8cc7\uff1b\u7e3d\u597d\u904e\u73fe\u5728\u5306\u5fd9\u958b\u59cb\uff0c\u5230\u6700\u5f8c\u8667\u4e86\u4e00\u7b46\u9322\u5427\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u5927\u5b78\u751f\u9069\u5408\u4ec0\u9ebd\u985e\u578b\u7684\u6295\u8cc7\uff1f<\/span><\/h2><h6>\u00a0<\/h6><p>\u5927\u5b78\u751f\u64c1\u6709\u7684\u8cc7\u91d1\u5c11\uff0c\u6240\u4ee5\u6bd4\u8f03\u9069\u5408\u77ed\u671f\uff0c\u9580\u6abb\u4f4e\uff0c\u9748\u6d3b\u5ea6\u9ad8\uff0c\u98a8\u96aa\u4e2d\u4f4e\u7684\u6295\u8cc7\u3002<\/p><p>\u5728\u5132\u84c4\u548c\u6295\u5165\u77ed\u671f\u6295\u8cc7\u4e00\u6bb5\u6642\u9593\uff0c\u7d2f\u7a4d\u4e86\u8f03\u591a\u7684\u8cc7\u91d1\u5f8c\uff0c\u518d\u9078\u64c7\u4e00\u4e9b\u4e2d\u9577\u671f\u7684\u6295\u8cc7\u3002\u5e02\u5834\u4e0a\u6709\u8a31\u591a\u9069\u5408\u5927\u5b78\u751f\u7684\u6295\u8cc7\uff0c\u6bd4\u5982\uff1a\u5b9a\u671f\u5b58\u6b3e\uff0cREITs\uff0c\u4fe1\u8a17\u57fa\u91d1\uff0c\u80a1\u7968\u7b49\u7b49\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u5b9a\u671f\u5b58\u6b3e (Fixed Deposit, FD)<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1122 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5728\u9280\u884c\u8fa6\u7406\u624b\u7e8c.png\" alt=\"\u5ba2\u6236\u5728\u9280\u884c\u8fa6\u7406\u5b9a\u671f\u5b58\u6b3e\u7684\u958b\u6236\u624b\u7e8c\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5728\u9280\u884c\u8fa6\u7406\u624b\u7e8c.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5728\u9280\u884c\u8fa6\u7406\u624b\u7e8c-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5728\u9280\u884c\u8fa6\u7406\u624b\u7e8c-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5b9a\u671f\u5b58\u6b3e\uff08FD\uff09\u662f\u8b93\u4f60\u628a\u9322\u5b58\u5165\u9280\u884c\u5e33\u6236\u4e00\u6bb5\u6642\u9593\u3002\u5b58\u671f\u5728\u4e00\u958b\u59cb\u5c31\u5b9a\u4e86\u4e0b\u4f86\uff0c\u53ef\u4ee5\u662f\u4e00\u500b\u6708\uff0c\u5169\u500b\u6708\uff0c\u534a\u5e74\uff0c\u4e00\u5e74\u7b49\u7b49\u3002<\/p><p>FD\u9748\u6d3b\u5ea6\u4f4e\uff0c\u9019\u610f\u5473\u8457\uff0c\u4f60\u628a\u9322\u5b58\u5165\u5f8c\uff0c\u5728\u6307\u5b9a\u7684\u5b58\u671f\u5167\u4e0d\u80fd\u628a\u9322\u53d6\u51fa\uff0c\u5426\u5247\u4f60\u5931\u53bb\u90e8\u5206\u7684\u5229\u606f\uff0c\u6216\u8005\u7121\u6cd5\u5f97\u5230\u5229\u606f\u3002<\/p><p>FD\u7684\u5b58\u671f\u8d8a\u9577\uff0c\u5229\u606f\u8d8a\u9ad8\u3002\u4f46\u662f\uff0c\u5927\u5b78\u751f\u4e0d\u61c9\u8a72\u9078\u64c7\u592a\u9577\u671f\u7684\u5b9a\u671f\u5b58\u6b3e\uff0c\u56e0\u70ba\u4e00\u65e6\u5229\u7387\u4e0a\u5347\uff0c\u4f60\u5c31\u7121\u6cd5\u4eab\u6709\u8f03\u9ad8\u7684\u5229\u606f\u3002<\/p><h4>\u5b9a\u671f\u5b58\u6b3e\u7684\u6295\u8cc7\u65b9\u5f0f<\/h4><p>\u76ee\u524d\u6709\u5169\u7a2e\u65b9\u5f0f\u53ef\u4ee5\u5b58\u653eFD\uff1a<\/p><p>\u7b2c\u4e00\uff0c\u5728\u7db2\u4e0a\u9280\u884c\u89aa\u81ea\u52d5\u624b\u628a\u9280\u884c\u5e33\u6236\u88e1\u7684\u9322\u5b58\u653e\u5230\u5b9a\u671f\u5b58\u6b3e\u7684\u5e33\u6236\u5167<\/p><p>\u7b2c\u4e8c\uff0c\u628a\u9322\u5e36\u5230\u9280\u884c\uff0c\u8b93\u9280\u884c\u8077\u54e1\u5e6b\u4f60\u5b58\u653e\u5230\u5b9a\u671f\u5b58\u6b3e\u7684\u5e33\u6236\u5167<\/p><p>\u9019\u5169\u500b\u4e0d\u540c\u7684\u5b58\u653e\u65b9\u5f0f\u6709\u4e0d\u540c\u7684\u5229\u7387\uff0c\u4e5f\u6709\u4e0d\u540c\u7684\u597d\u8655\u53ca\u58de\u8655\u3002<\/p><p>\u9280\u884c\u6642\u4e0d\u6642\u6703\u505a\u5b9a\u671f\u5b58\u6b3e\u7684\u4fc3\u92b7\u3002\u6709\u7684\u6642\u5019\uff0c\u4fc3\u92b7\u50c5\u9650\u65bc\u7db2\u4e0a\u5b9a\u671f\u5b58\u6b3e (eFD)\uff1b\u6709\u7684\u6642\u5019\u5247\u662f\u8981\u4f60\u89aa\u81ea\u5230\u9280\u884c\u8fa6\u7406\u5b9a\u671f\u5b58\u6b3e\u7684\u5e33\u6236\uff0c\u624d\u80fd\u4eab\u6709\u8f03\u9ad8\u7684\u5229\u7387\u3002\u00a0<\/p><p>\u60f3\u5fc5\u5927\u5bb6\u90fd\u77e5\u9053\uff0c\u5230\u9280\u884c\u53bb\u8fa6\u7406\u624b\u7e8c\uff0c\u7d93\u5e38\u8981\u62ff\u865f\u78bc\uff0c\u7b49\u4e0a\u4e00\u6bb5\u6642\u9593\uff0c\u624d\u8f2a\u5230\u4f60\u3002<\/p><p>\u7db2\u4e0a\u5b9a\u671f\u5b58\u6b3e\u5c31\u80fd\u5e6b\u52a9\u4f60\u89e3\u6c7a\u9019\u500b\u554f\u984c\uff0c\u8b93\u4f60\u76f4\u63a5\u5728\u5bb6\u5c31\u80fd\u5920\u99ac\u4e0a\u901a\u904e\u7db2\u4e0a\u9280\u884c\u8fa6\u7406\u6709\u95dc\u7684\u624b\u7e8c\u3002<\/p><h4>\u5b9a\u671f\u5b58\u6b3e\u7684\u597d\u8655\u53ca\u58de\u8655<\/h4><p>FD\u8207\u5176\u5b83\u91d1\u878d\u5546\u54c1\u7684\u6700\u5927\u5340\u5225\u5c31\u662f\uff0c\u5b83\u662f\u7121\u98a8\u96aa\u7684\u6295\u8cc7\u3002<\/p><p>\u5728\u4f60\u5b58\u5165FD\u5f8c\uff0c\u5176\u5229\u606f\u4e0d\u6703\u96a8\u8457\u5e02\u5834\u7684\u6ce2\u52d5\u800c\u6539\u8b8a\u3002\u5b58\u5165\u6642\u5e74\u5229\u7387\u70ba3%\uff0c\u90a3\u4f60\u7684FD\u671f\u6eff\u4e00\u5e74\u6642\uff0c\u4f60\u5c31\u6703\u7372\u5f973%\u7684\u5229\u606f\u3002<\/p><p>\u6b64\u5916\uff0cFD\u662f\u53d7\u5230\u99ac\u4f86\u897f\u4e9e\u5b58\u6b3e\u4fdd\u9669\u673a\u6784 (PIDM) \u7684\u4fdd\u8b77\u3002\u82e5\u9280\u884c\u5012\u9589\u4e86\uff08\u9019\u500b\u60c5\u6cc1\u5e7e\u4e4e\u4e0d\u53ef\u80fd\u767c\u751f\uff09\uff0cPIDM\u4e5f\u6703\u5c0d\u4f60<a href=\"https:\/\/www.pidm.gov.my\/PIDM\/media\/downloads\/2018\/Brochures\/CHI\/DIS-CHINESE.pdf\" target=\"_blank\" rel=\"noopener\">\u4f5c\u51fa\u76f8\u5c0d\u7684\u8ce0\u511f<\/a>\u3002<\/p><p>\u4f46\u662f\uff0c\u82e5\u8207\u5176\u5b83\u91d1\u878d\u5546\u54c1\u76f8\u6bd4\uff0cFD\u7684\u5229\u7387\u7b97\u662f\u6700\u4f4e\u7684\uff0c\u6709\u6642\u751a\u81f3\u4f4e\u65bc\u901a\u8ca8\u81a8\u8139\u7387\u3002<\/p><p>\u4f60\u53ef\u4ee5\u9ede\u64ca<a href=\"https:\/\/www.imoney.my\/fixed-deposit\" target=\"_blank\" rel=\"noreferrer noopener\">\u9019\u88e1<\/a>\uff0c\u67e5\u770b\u99ac\u4f86\u897f\u4e9e\u5404\u5927\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u4fe1\u8a17\u57fa\u91d1<\/span><\/h3><h6>\u00a0<\/h6><p>\u4fe1\u8a17\u57fa\u91d1\u662f\u4e00\u9593\u57fa\u91d1\u516c\u53f8\u6216\u6a5f\u69cb\u5411\u6295\u8cc7\u8005\u96c6\u5408\u8cc7\u91d1\uff0c\u518d\u628a\u7e3d\u548c\u7684\u8cc7\u91d1\u4ea4\u7531\u5c08\u696d\u7684\u6295\u8cc7\u6a5f\u69cb\u9032\u884c\u6295\u8cc7\uff0c \u6536\u76ca\u548c\u98a8\u96aa\u90fd\u662f\u6839\u64da\u51fa\u8cc7\u7684\u6bd4\u4f8b\u5171\u540c\u5206\u4eab\uff0c\u5171\u540c\u627f\u64d4\u3002<\/p><p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u80a1\u7968\u5c31\u50cf\u4e00\u584a\u86cb\u7cd5\uff0c\u4f60\u5f88\u60f3\u5403\u53ef\u662f\u6c92\u9322\u8cb7\u4e0b\u4e00\u6574\u584a\u3002\u4fe1\u6258\u57fa\u91d1\u5c31\u8ca0\u8cac\u6536\u96c6\u4e00\u5806\u50cf\u4f60\u60f3\u8cb7\u86cb\u7cd5\u5403\u7684\u4eba\u7684\u9322\uff0c\u7136\u5f8c\u518d\u6839\u64da\u4f60\u51fa\u7684\u9322\u7684\u6bd4\u4f8b\uff0c\u5206\u7d66\u4f60\u591a\u5927\u53e3\u7684\u86cb\u7cd5\u3002\u57fa\u91d1\u7684\u6295\u8cc7\u6d89\u53ca\u8a31\u591a\u6295\u8cc7\u7522\u54c1\uff0c\u5c31\u597d\u50cf\u86cb\u7cd5\u6709\u8a31\u591a\u7a2e\u53e3\u5473\uff0c\u4f60\u53ef\u4ee5\u7528\u4e0d\u540c\u7684\u6a19\u6e96\u53bb\u5206\u985e\u548c\u505a\u9078\u64c7\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1123 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u86cb\u7cd5.png\" alt=\"\u4e94\u9854\u516d\u8272\uff0c\u4e0d\u540c\u53e3\u5473\u7684\u86cb\u7cd5\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u86cb\u7cd5.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u86cb\u7cd5-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u86cb\u7cd5-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h4>\u00a0<\/h4><h4>\u57fa\u91d1\u7684\u5206\u985e<\/h4><h5><span style=\"color: #606161;\">\u80a1\u7968\u57fa\u91d1\uff08Equity Fund\uff09<\/span><\/h5><p>80%\u4ee5\u4e0a\u7684\u57fa\u91d1\u90fd\u6295\u8cc7\u5728\u80a1\u7968\u4e0a\u3002\u6295\u8cc7\u7684\u7522\u696d\u591a\u6a23\u5316\u4ee5\u5206\u6563\u98a8\u96aa\u3002\u6bd4\u8d77\u76f4\u63a5\u6295\u8cc7\u80a1\u7968\uff0c\u6295\u8cc7\u98a8\u96aa\u4f4e\u4e86\u8a31\u591a\uff0c\u4f46\u662f\u548c\u5176\u4ed6\u57fa\u91d1\u76f8\u6bd4\uff0c\u5b83\u7684\u98a8\u96aa\u6bd4\u8f03\u9ad8\u3002<\/p><h5><span style=\"color: #606161;\">\u50b5\u5238\u57fa\u91d1\uff08Bond Fund\uff09<\/span><\/h5><p>80%\u4ee5\u4e0a\u7684\u57fa\u91d1\u90fd\u6295\u8cc7\u5728\u50b5\u5238\u4e0a\u3002\u98a8\u96aa\u8f03\u4f4e\uff0c\u56e0\u6b64\u6536\u76ca\u4e5f\u76f8\u5c0d\u7684\u8f03\u7a69\u5b9a\u548c\u4f4e\u3002<\/p><h5><span style=\"color: #606161;\">\u914d\u7f6e\u57fa\u91d1\/\u6df7\u5408\u57fa\u91d1\uff08Allocation Fund\/ Balanced Fund\uff09<\/span><\/h5><p>\u6295\u8cc7\u5728\u80a1\u7968\u8207\u50b5\u5238\u4e0a\u3002\u98a8\u96aa\u662f\u4f9d\u64da\u80a1\u7968\u548c\u50b5\u5238\u7684\u6bd4\u4f8b\u4f86\u5b9a\u3002\u914d\u7f6e\u57fa\u91d1\u88e1\u5305\u62ec\u4e86\u5e73\u8861\u578b\u57fa\u91d1\uff08Balanced Fund\uff09\uff0c\u4e5f\u5c31\u662f\u80a1\u548c\u50b5\u5206\u5225\u5360\u4e86\u5927\u7d0450%\uff0c\u9084\u6709\u504f\u80a1\u578b\u57fa\u91d1\uff0c\u80a1\u7968\u7684\u6bd4\u4f8b\u5360\u4e8650%-70%\u3002\u504f\u80a1\u578b\u57fa\u91d1\u7684\u98a8\u96aa\u5c31\u6bd4\u5e73\u8861\u578b\u57fa\u91d1\u9ad8\u4e86\u3002<\/p><h5><span style=\"color: #606161;\">\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\uff08Money Market Fund\uff09<\/span><\/h5><p>\u53ea\u6295\u8cc7\u5728\u77ed\u671f\u8ca8\u5e63\u5e02\u5834\u6bd4\u5982\u77ed\u671f\u570b\u50b5\uff08Treasury bill\uff09\uff0c \u4e2d\u592e\u9280\u884c\u7968\u64da\uff08Central Bank Bill)\uff0c\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\u7b49\u7b49\u3002\u6295\u8cc7\u6210\u672c\u4f4e\uff0c\u6d41\u52d5\u6027\u597d\uff0c\u98a8\u96aa\u4f4e\u3002\u901a\u5e38\u53ea\u53d7\u5e02\u5834\u5229\u7387\uff08market interest rate\uff09\u5f71\u97ff\u3002<\/p><h5><span style=\"color: #606161;\">\u6307\u6578\u57fa\u91d1\uff08Index Funds\uff09<\/span><\/h5><p>\u6295\u8cc7\u5c0d\u8c61\u662f\u7279\u5b9a\u6307\u6578\u7684\u6210\u4efd\u80a1\u3002\u6307\u6578\u7684\u4f8b\u5b50\u5305\u62ec\u4e86\u6a19\u6e96\u666e\u723e500\u6307\u6578\uff08Standard &amp; Poor\u2019s 500, S&amp;P 500\uff09\uff0c\u7d0d\u65af\u9054\u514b100\u6307\u6578\uff08NASDAQ 100\uff09\uff0c\u65e5\u7d93225\u6307\u6578\uff08JPN 225\uff09\u7b49\u7b49\u3002\u8cbb\u7528\u4f4e\uff0c\u6536\u76ca\u7684\u53ef\u9810\u6e2c\u6027\u8f03\u5f37\uff0c\u6536\u76ca\u7a69\u5b9a\uff0c\u9069\u5408\u9577\u671f\u6295\u8cc7\u3002<\/p><h5><span style=\"color: #606161;\">\u4ea4\u6613\u578b\u958b\u653e\u5f0f\u6307\u6578\u57fa\u91d1\uff08Exchange-traded Fund, ETF)<\/span><\/h5><p>\u662f\u5728\u8b49\u5238\u4ea4\u6613\u6240\uff08Stock Exchange\uff09\u4e0a\u5e02\u4ea4\u6613\u7684\u6307\u6578\u57fa\u91d1\u3002ETF\u8207\u6307\u6578\u57fa\u91d1\u5dee\u5225\u662fETF\u901a\u904e\u8b49\u5238\u8cec\u6236\u4ea4\u6613\uff0c\u6240\u4ee5\u6210\u672c\u8f03\u4f4e\u3002\u6295\u8cc7\u8005\u53ef\u4ee5\u901a\u904e\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u9032\u884c\u57fa\u91d1\u7684\u7533\u8cfc\uff08\u8cb7\uff09\u548c\u8d16\u56de\uff08\u8ce3\uff09\uff0c\u4e5f\u53ef\u4ee5\u5728\u4e8c\u7d1a\u5e02\u5834\u4ea4\u6613\u3002\u800c\u4e14ETF\u53ef\u4ee5\u50cf\u80a1\u7968\u5feb\u901f\u4ea4\u6613\uff0c\u6d41\u52d5\u6027\u6bd4\u4e00\u822c\u57fa\u91d1\u9ad8\u8a31\u591a\u3002<\/p><h4>\u57fa\u91d1\u6295\u8cc7<\/h4><p>\u5728\u9078\u64c7\u57fa\u91d1\u6295\u8cc7\u6642\uff0c\u5fc5\u9808\u5148\u6c7a\u5b9a\u4f60\u662f\u60f3\u8981\u505a\u4e00\u6b21\u6027\u6295\u8cc7\uff0c\u9084\u662f\u5b9a\u671f\u6295\u8cc7\u3002<\/p><p>\u5927\u5b78\u751f\u8cc7\u91d1\u4e0d\u591a\uff0c\u6240\u4ee5\u5efa\u8b70\u505a\u5b9a\u671f\u6295\u8cc7\u3002\u56e0\u70ba\u4e00\u6b21\u6027\u6295\u8cc7\u9700\u8981\u5177\u5099\u64c7\u6642\u7684\u80fd\u529b\uff0c\u98a8\u96aa\u8f03\u9ad8\uff0c\u9700\u8981\u5c0d\u7522\u54c1\u6709\u8db3\u5920\u7684\u4e86\u89e3\uff0c\u4e5f\u8981\u89c0\u5bdf\u5e02\u5834\u7684\u74b0\u5883\u548c\u53cd\u61c9\u3002\u800c\u5927\u5b78\u751f\u66ab\u6642\u9084\u6c92\u7d93\u9a57\uff0c\u6240\u4ee5\u9078\u64c7\u5b9a\u6295\u6703\u5206\u6563\u4e00\u4e9b\u98a8\u96aa\uff0c\u6bd4\u8f03\u9069\u5408\u5927\u5b78\u751f\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1124\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u597d.png\" alt=\"\u5f88\u597d\uff0c\u5f88\u68d2\uff0c\u5f88\u9069\u5408\" width=\"780\" height=\"520\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u597d.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u597d-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u597d-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u63a5\u4e0b\u4f86\u5c31\u8981\u770b\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u4e86\u3002\u98a8\u96aa\u662f\u9700\u8981\u6839\u64da\u500b\u4eba\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u5c0d\u672a\u4f86\u7684\u671f\u8a31\u7b49\u7b49\u7684\u56e0\u7d20\u505a\u8003\u616e\u3002\u7576\u4f60\u4e86\u89e3\u4e86\u81ea\u5df1\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\uff0c\u5c31\u53ef\u4ee5\u9078\u64c7\u5408\u9069\u7684\u57fa\u91d1\u985e\u578b\u3002<\/p><p>\u5982\u679c\u4f60\u4e0d\u60f3\u627f\u64d4\u592a\u591a\u7684\u98a8\u96aa\uff0c\u53ea\u60f3\u4fdd\u5b88\u7684\u6295\u8cc7\uff0c\u90a3\u4f60\u53ef\u4ee5\u9078\u64c7<a href=\"https:\/\/www.youtube.com\/watch?v=QuQELUlpMSk\" target=\"_blank\" rel=\"noreferrer noopener\">\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1<\/a>\uff08Money Market Fund\uff09\u6216\u50b5\u5238\u57fa\u91d1\uff08Bond Fund\uff09\u3002\u82e5\u4f60\u60f3\u505a\u7a69\u5065\u7684\u6295\u8cc7\uff0c\u53ef\u4ee5\u9078\u64c7\u80a1\u7968\u57fa\u91d1\uff08Equity Fund\uff09\uff0c\u5e73\u8861\u578b\u57fa\u91d1\uff08Balanced Fund\uff09\u6216\u504f\u80a1\u578b\u57fa\u91d1\u3002<\/p><p>\u800c\u5982\u679c\u4f60\u80fd\u627f\u53d7\u8f03\u9ad8\u7684\u98a8\u96aa\uff0c\u4f60\u4fbf\u53ef\u4ee5\u9078\u64c7\u504f\u80a1\u57fa\u91d1\u6216\u662f\u5176\u4ed6\u8f03\u9ad8\u98a8\u96aa\u7684\u6295\u8cc7\u7522\u54c1\uff0c\u6bd4\u5982\u80a1\u7968\u3002<\/p><p>\u9078\u64c7\u4e86\u5408\u9069\u7684\u57fa\u91d1\u985e\u578b\u5f8c\uff0c\u4fbf\u53ef\u4ee5\u958b\u59cb\u9078\u64c7\u7522\u54c1\u3002\u9078\u64c7\u7522\u54c1\u6642\u53ef\u4ee5\u53c3\u8003\u4ee5\u4e0b\u7684\u6a19\u6e96\u3002<\/p><ol><li><strong>\u696d\u7e3e<\/strong>\uff1a\u5efa\u8b70\u5b78\u751f\u5011\u9078\u64c7\u696d\u7e3e\u8f03\u70ba\u7a69\u5b9a\u7684\u57fa\u91d1\u505a\u6295\u8cc7\u3002\u5b78\u751f\u53ef\u4ee5\u89c0\u5bdf\u7522\u54c1\u6bcf\u5e74\u7684\u76c8\u5229\u662f\u591a\u5c11\uff0c\u9084\u6709\u590f\u666e\u6bd4\u7387\uff08Sharpe Ratio\uff09\u3002\u6ce8\uff1aSharpe Ratio \u662f\u8a08\u7b97\u57fa\u91d1\u7684\u98a8\u96aa\u6bcf\u589e\u52a0\u4e00\u55ae\u4f4d\uff0c\u57fa\u91d1\u7684\u5831\u916c\u7387\u6703\u589e\u52a0\u591a\u5c11\u3002Sharpe Ratio\u8d8a\u9ad8\uff0c\u5831\u916c\u7387\u8d8a\u597d\u3002<\/li><li><strong>\u57fa\u91d1\u7d93\u7406<\/strong>\uff1a\u67e5\u770b\u57fa\u91d1\u7d93\u7406\u7ba1\u7406\u7684\u7522\u54c1\u696d\u7e3e\u6b77\u53f2\u548c\u7a69\u5b9a\u6027\uff0c\u6700\u597d\u662f\u9078\u64c7\u9078\u80a1\u80fd\u529b\u597d\u7684\u57fa\u91d1\u7d93\u7406\u3002<\/li><li><strong>\u57fa\u91d1\u898f\u6a21<\/strong>\uff1a\u4e0d\u540c\u7a2e\u985e\u7684\u57fa\u91d1\uff0c\u6709\u4e0d\u540c\u5927\u5c0f\u7684\u898f\u6a21\u3002\u5982\u679c\u662f\u4e3b\u52d5\u5f0f\u7ba1\u7406\u57fa\u91d1\uff0c\u5efa\u8b70\u9078\u64c7\u7684\u57fa\u91d1\u898f\u6a21\u4e0d\u8981\u592a\u5927\uff0c\u56e0\u70ba\u6703\u6bd4\u8f03\u96e3\u7ba1\u7406\uff0c\u98a8\u96aa\u4e5f\u6bd4\u8f03\u9ad8\u3002<\/li><li><strong>\u6210\u7acb\u5e74\u9650<\/strong>\uff1a\u6700\u597d\u662f\u6210\u7acb\u4e86\u81f3\u5c11\u4e09\u5e74\u7684\u57fa\u91d1\uff0c\u56e0\u70ba\u53ef\u4ee5\u66f4\u597d\u5730\u89c0\u5bdf\u57fa\u91d1\u5f80\u5e74\u7684\u56de\u916c\u548c\u7a69\u5b9a\u6027\uff0c\u907f\u514d\u8e29\u4e86\u50e5\u5e78\u5f97\u5230\u9ad8\u56de\u916c\u7684\u57fa\u91d1\u96f7\u3002<\/li><li><strong>\u57fa\u91d1\u516c\u53f8\u7684\u5be6\u529b<\/strong>\uff1a\u5f9e\u57fa\u91d1\u516c\u53f8\u5c0d\u6295\u8cc7\u505a\u7684\u7814\u7a76\uff0c\u54e1\u5de5\u7684\u8cea\u91cf\u548c\u7ba1\u7406\u7b49\u7b49\u4fbf\u80fd\u5927\u7d04\u4e86\u89e3\u516c\u53f8\u7684\u5be6\u529b\u3002<\/li><li><strong>\u738b\u724c\u57fa\u91d1\uff08Optional\uff09<\/strong>\uff1a\u770b\u770b\u57fa\u91d1\u662f\u5426\u662f\u57fa\u91d1\u516c\u53f8\u7684\u738b\u724c\u57fa\u91d1\u3002\u5982\u679c\u662f\u738b\u724c\u57fa\u91d1\uff0c\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u6703\u653e\u66f4\u591a\u7684\u5fc3\u601d\uff0c\u56e0\u70ba\u57fa\u91d1\u7684\u8868\u73fe\u6703\u5c0d\u57fa\u91d1\u516c\u53f8\u7684\u8072\u8b7d\u5e36\u4f86\u5f88\u5927\u7684\u5f71\u97ff\u3002<\/li><li><strong>\u6a5f\u69cb\u6295\u8cc7\u8005\u8207\u54e1\u5de5\u6301\u6709\u6bd4\u4f8b\uff08Optional\uff09<\/strong>\uff1a\u6a5f\u69cb\u6295\u8cc7\u8005\u6bd4\u8f03\u5c08\u696d\uff0c\u5982\u679c\u4ed6\u5011\u4e5f\u6295\u8cc7\u4e86\uff0c\u76f8\u4fe1\u57fa\u91d1\u4e0d\u6703\u5dee\u5230\u54ea\u88e1\u3002\u9084\u6709\u5c31\u662f\u8a72\u57fa\u91d1\u516c\u53f8\u7684\u54e1\u5de5\u5c0d\u516c\u53f8\u5167\u90e8\u7684\u4e86\u89e3\u66f4\u6df1\uff0c\u5982\u679c\u54e1\u5de5\u672c\u8eab\u4e5f\u6301\u6709\u90a3\u4e00\u500b\u57fa\u91d1\uff0c\u90a3\u9ebd\u8a72\u57fa\u91d1\u6703\u8f03\u70ba\u503c\u5f97\u76f8\u4fe1\u3002<\/li><\/ol><p>\u63a5\u4e0b\u4f86\uff0c\u5c31\u662f\u69cb\u5efa\u57fa\u91d1\u7d44\u5408\u3002<\/p><p>\u525b\u958b\u59cb\u5982\u679c\u6c92\u90a3\u9ebd\u591a\u7684\u8cc7\u91d1\uff0c\u53ef\u4ee5\u5148\u5b9a\u6295\u4e00\u500b\u57fa\u91d1\u3002\u7576\u4f60\u6709\u4e86\u66f4\u591a\u7684\u8cc7\u91d1\uff0c\u9084\u60f3\u505a\u7b2c\u4e09\u6b21\u7684\u98a8\u96aa\u5206\u6563\uff08\u7b2c\u4e00\u6b21\uff1a\u5b9a\u6295\uff0c\u7b2c\u4e8c\u6b21\uff1a\u57fa\u91d1\u672c\u8eab\u7684\u80a1\u7968\u98a8\u96aa\u5206\u6563\uff0c\u7b2c\u4e09\u6b21\uff1a\u57fa\u91d1\u7d44\u5408\u7684\u57fa\u91d1\u98a8\u96aa\u5206\u6563\uff09\uff0c\u4fbf\u53ef\u4ee5\u518d\u6295\u8cc7\u5225\u7684\u57fa\u91d1\u7522\u54c1\u3002<\/p><p>\u4f60\u53ef\u4ee5\u9078\u64c7\u7d50\u5408\u4e00\u4e9b\u4e3b\u52d5\u7ba1\u7406\u548c\u88ab\u52d5\u7ba1\u7406\u7684\u57fa\u91d1\u3001\u4e0d\u540c\u98a8\u683c\u7684\u57fa\u91d1\u7d44\u5408\u3001\u4e0d\u540c\u7684\u57fa\u91d1\u7d93\u7406\u7684\u57fa\u91d1\u7d44\u5408\u7b49\u7b49\u3002\u53ef\u662f\u5206\u6563\u5f97\u8d8a\u591a\uff0c\u56de\u916c\u53ef\u80fd\u4e5f\u6703\u8ddf\u8457\u6e1b\u5c11\u3002<\/p><h4>\u5927\u5b78\u751f\u6bd4\u8f03\u9069\u5408\u6295\u8cc7\u6307\u6578\u57fa\u91d1\u6216ETF<\/h4><p>\u5728\u9019\u88e1\uff0c\u7d66\u5927\u5b78\u751f\u5c0f\u5c0f\u7684\u5efa\u8b70\uff0c\u5efa\u8b70\u5927\u5b78\u751f\u9078\u64c7\u6295\u8cc7\u6307\u6578\u57fa\u91d1\u6216ETF\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1126\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF.png\" alt=\"ETF\u8868\u73fe\u597d\" width=\"780\" height=\"435\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF-300x167.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF-768x428.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u6295\u8cc7\u5728\u6307\u6578\u57fa\u91d1\u7684\u597d\u8655\u662f\u8f03\u5bb9\u6613\u7406\u89e3\uff0c\u53ea\u9700\u89c0\u5bdf\u548c\u7406\u89e3\u5e02\u5834\u7684\u8d70\u5411\u548c\u8da8\u52e2\u3002\u518d\u8aaa\uff0c\u6307\u6578\u57fa\u91d1\u7684\u696d\u7e3e\u900f\u660e\u5ea6\u8f03\u9ad8\u3002\u57fa\u672c\u4e0a\u53ea\u9700\u8981\u6839\u64da\u57fa\u91d1\u8ddf\u8e64\u7684\u76ee\u6a19\u6307\u6578\u7684\u6f32\u6216\u8dcc\uff0c\u5c31\u80fd\u9810\u6e2c\u81ea\u5df1\u6295\u8cc7\u7684\u57fa\u91d1\u51c8\u503c\u7684\u8b8a\u5316\u3002<\/p><p>\u5df4\u83f2\u7279\u66fe\u5728\u300a\u81f4\u80a1\u6771\u4fe1\u4e2d\u300b\u5efa\u8b70\u666e\u901a\u6295\u8cc7\u8005\u9577\u671f\u6295\u8cc7\u6307\u6578\u57fa\u91d1\uff0c\u4ed6\u4e5f\u66fe\u6279\u8a55\u8a31\u591a\u57fa\u91d1\u7d93\u7406\u62bd\u53d6\u4e86\u9ad8\u984d\u7684\u50ad\u91d1\uff0c\u4f46\u6295\u8cc7\u7684\u6210\u7e3e\u53bb\u5e73\u5e73\u7121\u5947\u3002<\/p><p>\u9019\u88e1\u4fbf\u63d0\u5230\u4e86\u6295\u8cc7\u57fa\u91d1\u7684\u5169\u500b\u91cd\u9ede\uff0c\u7b2c\u4e00\u500b\u91cd\u9ede\u4fbf\u662f\u6295\u8cc7\u57fa\u91d1\u6700\u5927\u7684\u7f3a\u9ede\uff1a\u7ba1\u7406\u8cbb\u7528\u9ad8\u3002<\/p><p>\u5047\u8a2d\u57fa\u91d1\u5229\u7387\u67098%\uff0c\u6263\u9664\u7ba1\u7406\u8cbb\u7b49\u96dc\u8cbb5%\uff0c\u53ea\u52693%\u3002\u518d\u7b97\u7b97\u901a\u8ca8\u81a8\u8139\uff0c\u9084\u6709\u50cf\u4f60\u60f3\u8c61\u4e2d\u90a3\u9ebd\u597d\u8cfa\u55ce\uff1f<\/p><p>\u56e0\u6b64\uff0c\u5b78\u751f\u5982\u679c\u60f3\u6295\u8cc7\u57fa\u91d1\uff0c\u4e00\u5b9a\u8981\u52e4\u596e\u9ede\uff0c\u70ba\u81ea\u5df1\u7684\u57fa\u91d1\u6295\u8cc7\u505a\u7814\u7a76\uff0c\u7136\u5f8c\u5728\u7db2\u4e0a\u5e73\u81fa\uff0c\u5982\uff1a<a href=\"https:\/\/www.fundsupermart.com.my\/\" target=\"_blank\" rel=\"noreferrer noopener\">fundsupermart<\/a>\u53ca<a href=\"https:\/\/www.eunittrust.com.my\/\" target=\"_blank\" rel=\"noreferrer noopener\">eunittrust<\/a>\uff0c\u81ea\u5df1\u505a\u8cb7\u8ce3\uff0c\u56e0\u70ba\u5e73\u81fa\u62bd\u53d6\u7684\u50ad\u91d1\u548c\u7522\u751f\u7684\u624b\u7e8c\u8cbb\u5c31\u6bd4\u8f03\u5c11\u3002<\/p><p>\u5982\u679c\u4f60\u4ea4\u7d66\u5225\u4eba\u5e6b\u4f60\u7ba1\u7406\u800c\u81ea\u5df1\u4ec0\u9ebd\u4e5f\u4e0d\u505a\uff0c\u4ee3\u7406\u4eba\u4e5f\u4e0d\u80fd\u6e05\u695a\u7684\u89e3\u91cb\u4f60\u7684\u9322\u662f\u600e\u9ebd\u6295\u8cc7\u7684\u8a71\uff0c\u57fa\u91d1\u6295\u8cc7\u5c31\u8b8a\u6210\u9ad8\u98a8\u96aa\u7684\u6295\u8cc7\u4e86\uff0c\u56e0\u70ba\u4f60\u5c0d\u9322\u8ca1\u7684\u53bb\u5411\u6beb\u7121\u6982\u5ff5\uff0c\u5c31\u597d\u50cf\u628a\u9322\u4e82\u4e1f\u4e00\u6a23\u3002<\/p><p>\u7b2c\u4e8c\u500b\u91cd\u9ede\u4fbf\u662f\u9577\u671f\u5805\u6301\u6295\u8cc7\uff0c\u57fa\u91d1\u7684\u6536\u76ca\u9577\u671f\u4f86\u770b\u6703\u8f03\u70ba\u7a69\u5b9a\u3002\u5982\u679c\u5fc3\u614b\u6c92\u90a3\u9ebd\u5805\u6301\uff0c\u4e00\u8667\u5c31\u8ce3\uff0c\u80af\u5b9a\u5f88\u96e3\u8cfa\u9322\u3002<\/p><p>\u800cETF\u4fbf\u7d50\u5408\u4e86\u6307\u6578\u57fa\u91d1\u548c\u80a1\u7968\u7684\u597d\u8655\uff0c\u4e26\u4e14\u6210\u672c\u6bd4\u4e00\u822c\u57fa\u91d1\u4f86\u5f97\u4f4e\u3002\u9084\u6709\uff0cETF\u7684\u9748\u6d3b\u5ea6\u9ad8\uff0c\u6bd4\u8d77\u5728\u8b49\u5238\u516c\u53f8\u6216\u9280\u884c\u505a\u7533\u8cfc\u548c\u8d16\u56de\uff08\u8cb7\u8ce3\uff09\u66f4\u5feb\u901f\u3002\u6240\u4ee5\u4e8c\u9078\u4e00\u7684\u8a71\uff0c\u5efa\u8b70\u9078\u64c7ETF\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u623f\u5730\u7522\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\uff08Real Estate Investment Trusts, REITs\uff09<\/span><\/h3><p>\u623f\u5730\u7522\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\uff08Real Estate Investment Trusts, REITs\uff09\u662f\u4e00\u9593\u516c\u53f8\u6216\u6a5f\u69cb\u96c6\u5408\u6295\u8cc7\u8005\u7684\u8cc7\u91d1\uff0c\u518d\u628a\u8cc7\u91d1\u4ea4\u7531\u6295\u8cc7\u6a5f\u69cb\u53bb\u6295\u8cc7\u5728\u623f\u5730\u7522\u4e0a\uff0c\u4e26\u9032\u884c\u7d93\u71df\u8207\u7ba1\u7406\u3002\u6536\u76ca\u662f\u6309\u7167\u51fa\u8cc7\u7684\u6bd4\u4f8b\u5206\u914d\uff0c\u5b9a\u671f\u7d66\u6295\u8cc7\u8005\u5206\u7d05\u3002\u00a0<\/p><p>REITs\u5c31\u597d\u50cf\u4fe1\u8a17\u57fa\u91d1\uff0c\u53ea\u662fREITs\u50c5\u5c08\u6ce8\u65bc\u623f\u5730\u7522\u4e0a\uff0c\u6bd4\u5982\u516c\u5bd3\u3001\u9152\u5e97\u3001\u5de5\u5ee0\u3001\u8fa6\u516c\u6a13\u3001\u91ab\u9662\u7b49\u7b49\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"428\" class=\"wp-image-1128 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u623f\u5730\u7522.png\" alt=\"\u57ce\u5e02\u4e2d\u6709\u8a31\u591a\u623f\u5730\u7522\u8b93\u6295\u8cc7\u8005\u6295\u8cc7\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u623f\u5730\u7522.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u623f\u5730\u7522-300x165.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u623f\u5730\u7522-768x421.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h4>\u00a0<\/h4><h4>REITs\u6295\u8cc7<\/h4><p>\u99ac\u4f86\u897f\u4e9e\u76ee\u524d\u53ea\u6709\u80a1\u6b0a\u578bREITs\u3002\u80a1\u6b0a\u578bREITs\u4e3b\u8981\u7684\u6536\u5165\u4f86\u6e90\u662f\u79df\u91d1\u3002\u8981\u6536\u53d6\u79df\u91d1\u5c31\u5fc5\u9808\u6301\u6709\u623f\u5730\u7522\uff0c\u6240\u4ee5REITs\u901a\u5e38\u90fd\u9078\u64c7\u9577\u671f\u6301\u6709\u623f\u5730\u7522\u518d\u7b49\u5408\u9069\u7684\u6642\u6a5f\u8ce3\u51fa\uff0c\u4e26\u4e0d\u4e00\u5b9a\u6703\u983b\u7e41\u5730\u505a\u623f\u5730\u7522\u8cb7\u8ce3\u3002<\/p><p>REITs\u7684\u597d\u8655\u662f\u5206\u7d05\u7684\u6bd4\u4f8b\u9ad8\uff0c90%\u7684\u6536\u5165\u90fd\u6703\u5316\u4f5c\u5206\u7d05\u5b9a\u671f\u5206\u767c\u3002\u9019\u9ebd\u9ad8\u7684\u5206\u7d05\u9084\u5f97\u611f\u8b1d\u99ac\u4f86\u897f\u4e9e\u7684\u653f\u7b56\uff0c\u56e0\u70ba\u6cd5\u5f8b\u898f\u5b9aREITs\u5fc5\u9808\u628a\u81f3\u5c1190%\u7684\u6536\u76ca\u5206\u7d66\u6295\u8cc7\u4eba\uff0c\u5426\u5247\u653f\u5e9c\u5c07\u6703\u5f81\u6536\u4f01\u696d\u7a05\u3002<\/p><p>REITs\u7684\u98a8\u96aa\u8f03\u4f4e\uff0c\u6536\u76ca\u7a69\u5b9a\uff0c\u518d\u52a0\u4e0a\u5b83\u7684\u9580\u6abb\u4f4e\uff0c\u6d41\u52d5\u6027\u8207\u900f\u660e\u5ea6\u53c8\u9ad8\uff0c\u66f4\u9069\u5408\u5927\u5b78\u751f\u6295\u8cc7\u3002<\/p><p>\u53ea\u662f\uff0cREITs\u9084\u662f\u5b58\u5728\u4e00\u5b9a\u7684\u98a8\u96aa\u3002\u901a\u8ca8\u81a8\u8139\u548c\u5229\u7387\u5c0d\u623f\u5730\u7522\u4e5f\u662f\u6703\u7522\u751f\u5f71\u97ff\uff0c\u7576\u5229\u7387\u4e0a\u6f32\uff0c\u5c0d\u623f\u5730\u7522\u7684\u9700\u6c42\u6703\u4e0b\u964d\uff0cREITs\u5e02\u5834\u50f9\u683c\u53ef\u80fd\u6703\u8b8a\u4f4e\uff0c\u9019\u5c07\u5f71\u97ffREITs\u7684\u6536\u76ca\u3002<\/p><p>\u53e6\u4e00\u65b9\u9762\uff0c\u570b\u5bb6\u7684\u653f\u7b56\u4e5f\u6703\u5f71\u97ffREITs\u7684\u6536\u76ca\u3002\u56e0\u70ba\u6cd5\u5f8b\u898f\u5b9aREITs\u5fc5\u9808\u628a\u81f3\u5c1190%\u7684\u51c8\u5229\u6f64\u5206\u7d66\u6295\u8cc7\u4eba\uff0c\u6240\u4ee5\u6536\u76ca\u624d\u6703\u90a3\u9ebd\u9ad8\u3002\u5982\u679c\u653f\u7b56\u6709\u8b8a\u52d5\uff0cREITs\u7684\u6536\u76ca\u4e5f\u6703\u8ddf\u8457\u88ab\u5f71\u97ff\u3002<\/p><p>\u6240\u4ee5\u5728\u6295\u8cc7REITs\u4e4b\u524d\uff0c\u8981\u505a\u597d\u529f\u8ab2\uff0c\u9078\u597d\u5408\u9069\u7684REITs\u3002\u8981\u9078\u600e\u6a23\u7684REITs\u6bd4\u8f03\u597d\u5462\uff1f<\/p><ol><li><strong>\u5206\u7d05\u7387\uff08Dividend payout\uff09\u4e0a\u5347<\/strong>\uff1a\u67e5\u770b\u904e\u53bb\u9577\u671fREITs\u7d66\u6295\u8cc7\u8005\u7684\u5206\u7d05\u662f\u5426\u6709\u9032\u6b65\uff0c\u81f3\u5c11\u4e5f\u9078\u64c7\u5206\u7d05\u6c92\u6e1b\u5c11\u7684REITs\u3002<\/li><li><strong>\u6642\u6642\u6539\u5584\u623f\u5730\u7522\u6216\u8a08\u5283<\/strong>\uff1a\u89c0\u5bdfREITs\u7ba1\u7406\u4eba\u662f\u5426\u6709\u5728\u6539\u5584\u623f\u5730\u7522\u7684\u7d44\u5408\uff0c\u4e26\u4ee5\u6295\u8cc7\u8005\u7684\u89d2\u5ea6\u53bb\u63d0\u5347REITs\u7684\u6536\u76ca\u3002<\/li><li><strong>\u597d\u5730\u6bb5<\/strong>\uff1a\u623f\u5730\u7522\u5728\u597d\u7684\u5730\u6bb5\u53ef\u4ee5\u5438\u5f15\u66f4\u591a\u76ee\u6a19\u6d88\u8cbb\u8005\uff0c\u4fbf\u53ef\u4ee5\u6536\u53d6\u66f4\u9ad8\u7684\u79df\u91d1\uff0c\u6536\u76ca\u4e5f\u6bd4\u8f03\u9ad8\u3002<\/li><li><strong>\u51fa\u79df\u7387\uff08occupancy rate\uff09\u548c\u5408\u7d04\u6eff\u671f<\/strong>\uff1a\u51fa\u79df\u7387\u8d8a\u9ad8\uff0c\u6536\u76ca\u8d8a\u591a\u3002\u9084\u6709\u79df\u6236\uff0c\u79df\u6236\u6700\u597d\u662f\u4f86\u81ea\u4e0d\u540c\u7684\u884c\u696d\uff0c\u56e0\u70ba\u7576\u67d0\u500b\u884c\u696d\u8868\u73fe\u4e0d\u592a\u597d\uff0c\u51fa\u79df\u7387\u6703\u53d7\u5f71\u97ff\u3002\u5982\u679c\u6709\u4e0d\u540c\u884c\u696d\u7684\u79df\u6236\uff0c\u98a8\u96aa\u5c31\u6703\u88ab\u5206\u6563\u3002\u518d\u4f86\u4fbf\u662f\u79df\u7d04\uff0c\u79df\u7d04\u6700\u597d\u662f\u9577\u671f\u4e26\u5728\u4e0d\u540c\u7684\u968e\u6bb5\u671f\u6eff\uff0c\u56e0\u70ba\u5982\u679c\u592a\u591a\u7684\u79df\u7d04\u5728\u540c\u6642\u671f\u6eff\u7d04\uff0c\u540c\u6642\u8981\u627e\u90a3\u9ebd\u591a\u7684\u65b0\u79df\u5ba2\u662f\u6bd4\u8f03\u56f0\u96e3\u3002<\/li><\/ol><h4>\u5982\u4f55\u8cb7\u5165REITs\uff1f<\/h4><p>\u9078\u597d\u4e86\u5fc3\u5100\u7684REITs\u5f8c\uff0c\u63a5\u4e0b\u4f86\u5c31\u53ef\u4ee5\u958b\u500b\u6295\u8cc7\u6236\u53e3\u8cb7\u5165REITs\u4e86\u3002<\/p><p>REITs\u548c\u80a1\u7968\u4e00\u6a23\uff0c\u90fd\u662f\u5728\u80a1\u7968\u4ea4\u6613\u6240\u8cb7\u8ce3\u7684\u3002\u4f60\u53ef\u4ee5\u89aa\u81ea\u5230\u672c\u5730\u9280\u884c<a href=\"https:\/\/www.youtube.com\/watch?v=kezQApKN1Lk\" target=\"_blank\" rel=\"noreferrer noopener\">\u958b\u500b\u6295\u8cc7\u6236\u53e3<\/a>\u9032\u884c\u6295\u8cc7\u6216\u8005\u9078\u64c7\u5728\u7db2\u4e0a\u4ea4\u6613\u5e73\u81fa\uff0c\u5982\uff1a<a href=\"https:\/\/www.youtube.com\/watch?v=e6NlE2gH714\" target=\"_blank\" rel=\"noreferrer noopener\">Rakuten Trade \u958b\u6236\u53e3<\/a>\u958b\u59cb\u6295\u8cc7\u3002<\/p><p>\u6bcf\u4e00\u5bb6 <a href=\"https:\/\/www.malaysiastock.biz\/Listed-Companies.aspx?type=S&amp;s1=14&amp;s2=48\" target=\"_blank\" rel=\"noreferrer noopener\">REITs\u516c\u53f8<\/a>\u90fd\u6703\u6709\u4e0d\u540c\u7684\u4ee3\u78bc\u6216\u540d\u7a31\u3002\u4f60\u53ea\u9700\u8981\u5728\u80a1\u7968\u5e73\u81fa\u5167\u8f38\u5165\u76f8\u5c0d\u7684\u4ee3\u78bc\u6216\u540d\u7a31\uff0c\u5c31\u53ef\u4ee5\u8cb7\u5165 REITs\u4e86\u3002<\/p><p>\u5982\u679c\u4f60\u5c0d\u623f\u5730\u7522\u6709\u8208\u8da3\u548c\u4fe1\u5fc3\uff0c\u6295\u8cc7\u5728REITs\u662f\u4e0d\u932f\u7684\u9078\u64c7\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u80a1\u7968<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" class=\"wp-image-1130 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7814\u7a76\u80a1\u7968-1.png\" alt=\"\u7537\u4eba\u5728\u5206\u6790\u80a1\u7968\u7684\u6f32\u8dcc\" \/><\/figure><\/div><p>\u80a1\u7968\u662f\u4f01\u696d\u516c\u53f8\u70ba\u4e86\u6e4a\u96c6\u4e00\u7b46\u8cc7\u91d1\uff0c\u767c\u884c\u7d66\u6295\u8cc7\u8005\u7684\u6301\u80a1\u8b49\u660e\u3002\u6295\u8cc7\u8005\u4e5f\u662f\u6240\u8b02\u7684\u80a1\u6771\uff0c\u501f\u8457\u80a1\u7968\u53ef\u4ee5\u7372\u53d6\u80a1\u606f\u548c\u7d05\u5229\u3002<\/p><p>\u6bcf\u4e00\u80a1\u7684\u80a1\u7968\u90fd\u4ee3\u8868\u80a1\u6771\u5c0d\u4f01\u696d\u64c1\u6709\u4e00\u500b\u55ae\u4f4d\u7684\u6240\u6709\u6b0a\uff0c\u800c\u4e14\u6bcf\u4e00\u4efd\u80a1\u7968\u6240\u4ee3\u8868\u7684\u6240\u6709\u6b0a\u662f\u5e73\u7b49\u7684\u3002\u6240\u6709\u6b0a\u662f\u6307\u51fa\u5e2d\u80a1\u6771\u5927\u6703\uff0c\u9078\u8209\u516c\u53f8\u8463\u4e8b\u6703\uff0c\u53c3\u8207\u516c\u53f8\u7684\u5927\u6c7a\u7b56\u7b49\u7684\u6b0a\u5229\u3002\u7576\u4f60\u64c1\u6709\u80a1\u7968\u7684\u6578\u91cf\u8d8a\u591a\uff0c\u4fbf\u4ee3\u8868\u4f60\u5728\u4f01\u696d\u88cf\u7684\u5206\u91cf\u8d8a\u5927\u3002<\/p><p>\u80a1\u7968\u53ef\u4ee5\u8f49\u8b93\uff0c\u8cb7\u8ce3\u6216\u4f5c\u50f9\u62b5\u62bc\uff0c\u4f46\u4e0d\u53ef\u4ee5\u8981\u6c42\u4f01\u696d\u6b78\u9084\u4f60\u539f\u5148\u6295\u8cc7\u7684\u8cc7\u91d1\u3002<\/p><h4>\u80a1\u7968\u7684\u5206\u985e<\/h4><h5><span style=\"color: #606161;\">\u512a\u5148\u80a1\uff08Preferred Stock\/ Preference Shares\uff09<\/span><\/h5><p>\u6709\u56fa\u5b9a\u7684\u80a1\u606f\u6536\u76ca\uff0c\u6700\u5148\u62ff\u5230\u4f01\u696d\u7684\u80a1\u606f\u3002\u5982\u679c\u516c\u53f8\u8981\u89e3\u6563\uff0c\u4f01\u696d\u7684\u8cc7\u7522\u5728\u511f\u9084\u6240\u6709\u50b5\u52d9\u5f8c\u9084\u6709\u5269\u4f59\u7684\uff0c\u4fbf\u53ef\u4ee5\u5148\u62ff\u5230\u9019\u5269\u4f59\u7684\u8cc7\u7522\u3002<\/p><h5><span style=\"color: #606161;\">\u666e\u901a\u80a1\uff08Common Stock\/ Ordinary Shares\uff09<\/span><\/h5><p>\u80a1\u606f\u8981\u6839\u64da\u4f01\u696d\u7684\u76c8\u5229\u4f86\u6c7a\u5b9a\uff0c\u6240\u4ee5\u662f\u4e0d\u56fa\u5b9a\u7684\uff0c\u800c\u4e14\u5fc5\u9808\u7b49\u512a\u5148\u80a1\u80a1\u6771\u53d6\u5f97\u4e86\u80a1\u606f\u5f8c\uff0c\u666e\u901a\u80a1\u80a1\u6771\u624d\u80fd\u5f97\u5230\u80a1\u606f\u5206\u914d\u3002\u9084\u6709\uff0c\u511f\u9084\u50b5\u52d9\u5269\u4f59\u7684\u8cc7\u7522\u5728\u512a\u5148\u80a1\u6771\u62ff\u5230\u5f8c\uff0c\u624d\u5206\u914d\u7d66\u666e\u901a\u80a1\u80a1\u6771\u3002<\/p><h4>\u80a1\u7968\u6295\u8cc7<\/h4><p>\u512a\u5148\u80a1\u7684\u80a1\u606f\u6bd4\u666e\u901a\u80a1\u4f4e\uff0c\u8f03\u4f4e\u7684\u6536\u76ca\u5c31\u6c92\u50cf\u666e\u901a\u80a1\u90a3\u9ebd\u5438\u5f15\u4eba\u3002\u800c\u4e14\uff0c\u512a\u5148\u80a1\u662f\u6295\u5165\u672c\u91d1\u5f8c\u6c38\u4e0d\u511f\u9084\uff0c\u6709\u5229\u6f64\u5c31\u512a\u5148\u6d3e\u767c\u80a1\u606f\u800c\u5df2\u3002<\/p><p>\u512a\u5148\u80a1\u4e3b\u8981\u662f\u70ba\u64c1\u6709\u5927\u91cf\u73fe\u91d1\u548c\u5728\u672a\u4f86\u9700\u8981\u7a69\u5b9a\u7684\u73fe\u91d1\u6d41\uff08cash flow\uff09\u7684\u6a5f\u69cb\u800c\u8a2d\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u512a\u5148\u80a1\u548c\u666e\u901a\u4eba\u6c92\u4ec0\u9ebd\u95dc\u4fc2\u3002\u5927\u591a\u6578\u5927\u5bb6\u8cb7\u5f97\u5230\u7684\u90fd\u662f\u666e\u901a\u80a1\u3002<\/p><p>\u5409\u9686\u5761\u8b49\u5238\u4ea4\u6613\u6240\uff08Kuala Lumpur Stock Exchange\/ Bursa Malaysia, KLSE\uff09\u4e3b\u8981\u5206\u70ba\u5169\u500b\u677f\u584a\uff1a\u4e3b\u677f\uff08Main Board\uff09\u548c\u5275\u696d\u677f\uff08Ace Board\uff09\u3002\u4e3b\u677f\u548c\u5275\u696d\u677f\u7684\u5dee\u5225\u53ea\u662f\u4e0a\u5e02\u7684\u689d\u4ef6\u3002<\/p><p>\u60f3\u5728\u4e3b\u677f\u4e0a\u5e02\u53ef\u4ee5\u901a\u904e\u5e7e\u7a2e\u65b9\u6cd5\u3002\u4f46\u4e0d\u7ba1\u901a\u904e\u54ea\u7a2e\u65b9\u6cd5\uff0c\u4e0a\u5e02\u516c\u53f8\u90fd\u5fc5\u9808\u64c1\u6709\u597d\u7684\u8ca1\u653f\u57fa\u790e\uff0c\u6bd4\u5982\u8db3\u5920\u7684\u6d41\u52d5\u8cc7\u91d1\uff08Working Capital\uff09\uff0c\u8db3\u5920\u7684\u73fe\u91d1\u6d41\uff08Operating Cash Flow\uff09\uff0c\u6c92\u6709\u7d2f\u7a4d\u7684\u8667\u640d\uff08Accumulated Loss\uff09\u3002\u56e0\u6b64\uff0c\u5c0d\u65bc\u5927\u5b78\u751f\uff0c\u6700\u597d\u662f\u9078\u64c7\u8f03\u70ba\u7a69\u5b9a\u7684\u4e3b\u677f\u4e0a\u5e02\u516c\u53f8\u505a\u6295\u8cc7\u3002<\/p><p>\u6295\u8cc7\u5fc5\u9808\u5f97\u614e\u91cd\uff0c\u800c\u5927\u5b78\u751f\u5927\u591a\u6578\u90fd\u6c92\u6709\u6295\u8cc7\u7684\u7d93\u9a57\u3002\u5982\u679c\u4f60\u5c0d\u81ea\u5df1\u7684\u5224\u65b7\u6c92\u6709\u4fe1\u5fc3\uff0c \u4f60\u53ef\u4ee5\u5148\u9ede<a href=\"https:\/\/valueinmind.co\/stock-investment-for-beginners\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9019\u88e1<\/a>\u514d\u8cbb\u5b78\u7fd2\u80a1\u7968\u7684\u57fa\u672c\u77e5\u8b58\u548c\u64cd\u4f5c\uff0c\u904e\u5f8c\u518d\u4e0b\u8f09\u4e00\u500b\u64c1\u6709\u5229\u7528\u865b\u64ec\u5e33\u6236\u8cb7\u8ce3\u80a1\u7968\u529f\u80fd\u7684\u8edf\u4ef6\uff0c\u6bd4\u5982eToro\uff08\u7533\u8acb\u9023\u7d50\uff1a<a href=\"https:\/\/bit.ly\/3fRX8Bo\" target=\"_blank\" rel=\"noreferrer noopener\">\u7b80\u4f53<\/a>\uff1b<a href=\"https:\/\/bit.ly\/3dZNNpz\" target=\"_blank\" rel=\"noreferrer noopener\">\u7e41\u9ad4<\/a>\uff1b<a href=\"https:\/\/bit.ly\/2Zfratc\" target=\"_blank\" rel=\"noreferrer noopener\">\u82f1\u6587<\/a>\uff09\uff0c\u5148\u7df4\u7fd2\u4e86\u624d\u958b\u59cb\u6295\u8cc7\u3002<\/p><p>\u5728\u9078\u64c7\u80a1\u7968\u524d\uff0c\u4f60\u5fc5\u9808\u5148\u7814\u7a76\u4e0a\u5e02\u516c\u53f8\uff0c\u505a\u57fa\u672c\u9762\uff08Fundamental\uff09\u548c\u6280\u8853\u9762\uff08Technical\uff09\u7684\u5206\u6790\uff0c\u591a\u8b80\u4e9b\u8ca1\u7d93\u65b0\u805e\uff0c\u8da8\u52e2\u548c\u8d70\u5411\u4e00\u6bb5\u6642\u9593\uff0c\u7136\u5f8c\u6a21\u64ec\u81ea\u5df1\u6295\u8cc7\u7684\u7d44\u5408\uff0c\u7576\u4f60\u5c0d\u81ea\u5df1\u7684\u5224\u65b7\u6709\u4e86\u4fe1\u5fc3\u624d\u4e0b\u5834\u3002<\/p><p>\u6295\u8cc7\u80a1\u7968\u6709\u5f88\u591a\u65b9\u9762\u9700\u8981\u4f60\u6162\u6162\u53bb\u63a2\u7d22\uff0c\u4f60\u5fc5\u9808\u53bb\u884c\u52d5\uff0c\u53bb\u5617\u8a66\uff0c\u7136\u5f8c\u5728\u9019\u8dcc\u8dcc\u649e\u649e\u4e4b\u4e2d\u6162\u6162\u627e\u5230\u9069\u5408\u81ea\u5df1\u7684\u65b9\u5f0f\u3002\u7576\u4f60\u627e\u5230\u4e86\u5408\u9069\u7684\u65b9\u5f0f\uff0c\u6295\u8cc7\u5c31\u4e0d\u6703\u50cf\u4f60\u60f3\u7684\u90a3\u9ebd\u56f0\u96e3\u4e86\u3002<\/p><h4>\u5982\u4f55\u8cb7\u5165\u80a1\u7968\uff1f<\/h4><p>\u9078\u597d\u4e86\u5fc3\u5100\u7684\u80a1\u7968\u5f8c\uff0c\u63a5\u4e0b\u4f86\u5c31\u662f\u958b\u500b\u6295\u8cc7\u6236\u53e3\u8cb7\u5165\u80a1\u7968\u4e86\u3002<\/p><p>\u80a1\u7968\u90fd\u662f\u5728\u80a1\u7968\u4ea4\u6613\u6240\u8cb7\u8ce3\u7684\u3002\u4f60\u53ef\u4ee5\u89aa\u81ea\u5230\u672c\u5730\u9280\u884c<a href=\"https:\/\/www.youtube.com\/watch?v=kezQApKN1Lk\" target=\"_blank\" rel=\"noreferrer noopener\">\u958b\u500b\u6295\u8cc7\u6236\u53e3<\/a>\u9032\u884c\u6295\u8cc7\u6216\u8005\u9078\u64c7\u5728\u7db2\u4e0a\u4ea4\u6613\u5e73\u81fa\uff0c\u5982<a href=\"https:\/\/www.youtube.com\/watch?v=_fzmqMm-C7U\" target=\"_blank\" rel=\"noreferrer noopener\">eToro<\/a>\uff08\u7533\u8acb\u9023\u7d50\uff1a<a href=\"https:\/\/bit.ly\/3fRX8Bo\" target=\"_blank\" rel=\"noreferrer noopener\">\u7b80\u4f53<\/a>\uff1b<a href=\"https:\/\/bit.ly\/3dZNNpz\" target=\"_blank\" rel=\"noreferrer noopener\">\u7e41\u9ad4<\/a>\uff1b<a href=\"https:\/\/bit.ly\/2Zfratc\" target=\"_blank\" rel=\"noreferrer noopener\">\u82f1\u6587<\/a>\uff09\uff0c<a href=\"https:\/\/www.youtube.com\/watch?v=iQnV5onXAk8\" target=\"_blank\" rel=\"noreferrer noopener\">Interactive Brokers<\/a>\u6216<a href=\"https:\/\/www.youtube.com\/watch?v=e6NlE2gH714\" target=\"_blank\" rel=\"noreferrer noopener\">Rakuten Trade<\/a>\u958b\u6236\u53e3\u958b\u59cb\u6295\u8cc7\u3002<\/p><p>\u6700\u5f8c\uff0c\u628a\u9322\u532f\u5165\u6295\u8cc7\u6236\u53e3\u5f8c\uff0c\u4f60\u5c31\u53ef\u4ee5\u958b\u59cb\u8cb7\u5165\u80a1\u7968\u4e86\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u7e3d\u7d50<\/span><\/h2><h6>\u00a0<\/h6><p>\u5982\u679c\u4f60\u6210\u529f\u4e86\u770b\u5230\u6587\u7ae0\u7684\u9019\u500b\u90e8\u5206\uff0c\u90a3\u5c0f\u7de8\u771f\u7684\u5f88\u70ba\u4f60\u958b\u5fc3\u3002\u56e0\u70ba\u4f60\u6bd4\u6211\u63d0\u65e9\u5e7e\u5e74\u767c\u73fe\u7406\u8ca1\u9019\u500b\u91cd\u8981\u7684\u77e5\u8b58\u3002<\/p><p>\u4e0d\u8981\u89ba\u5f97\u73fe\u5728\u9084\u65e9\uff0c\u9084\u4e0d\u9700\u8981\u7406\u8ca1\uff0c\u56e0\u70ba\u751f\u6d3b\u4e2d\u5f88\u591a\u6642\u5019\u90fd\u662f\u9700\u8981\u9322\u53bb\u89e3\u6c7a\u554f\u984c\u3002\u5225\u4ee5\u70ba\u4f60\u9084\u5e74\u8f15\u3002\u5c0f\u7de8\u525b\u525b\u5927\u5b78\u7562\u696d\u4e0d\u4e45\uff0c\u958b\u59cb\u5de5\u4f5c\uff0c\u4f46\u662f\u9019\u5e7e\u5e74\u767c\u73fe\u81ea\u5df1\u96e2\u4e09\u5341\u6b72\u8d8a\u4f86\u8d8a\u8fd1\uff0c\u4f46\u662f\u7acb\u4e0b\u7684\u4eba\u751f\u76ee\u6a19\u53c8\u9084\u672a\u9054\u6210\uff0c\u771f\u7684\u662f\u592a\u53ef\u6015\u4e86\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1131 size-full\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9a5a\u8a1d.png\" alt=\"\u89ba\u5f97\u53ef\u6015\uff0c\u614c\u5f35\" width=\"780\" height=\"519\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9a5a\u8a1d.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9a5a\u8a1d-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9a5a\u8a1d-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5c31\u5f9e\u73fe\u5728\u958b\u59cb\uff0c\u597d\u597d\u5229\u7528\u3010\u7406\u8ca1\u3011\u9019\u500b\u5de5\u5177\uff0c\u8b93\u9322\u4e56\u4e56\u5730\u8eba\u5728\u4f60\u7684\u5e33\u6236\u4e2d\u3002<\/p><p>\u7b49\u4f60\u5b78\u6703\u4e86\u6295\u8cc7\u7684\u77e5\u8b58\u548c\u6280\u5de7\uff0c\u7b49\u4f60\u5b58\u5230\u4e00\u5b9a\u6578\u984d\u7684\u8cc7\u91d1\uff0c\u518d\u958b\u59cb\u6295\u8cc7\u3002<\/p><p>\u76e1\u91cf\u505a\u597d\u81ea\u5df1\u6240\u80fd\u505a\u7684\uff0c\u90a3\u9ebd\u5728\u672a\u4f86\u6709\u4e00\u5929\u4f60\u56de\u9996\uff0c\u624d\u4e0d\u6703\u5f8c\u6094\u4f60\u6d6a\u8cbb\u4e86\u591a\u5c11\u6642\u5149\uff0c\u591a\u5c11\u6a5f\u6703\u3002<\/p><p>\u5982\u679c\u4f60\u5728\u5ff5\u5927\u5b78\u7684\u6642\u5019\u6709\u597d\u7684\u7406\u8ca1\u7d93\u9a57\uff0c\u4e5f\u6b61\u8fce\u4f60\u5011\u5728\u6587\u7ae0\u5e95\u4e0b\u7559\u8a00\u5206\u4eab\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u514d\u8cac\u8072\u660e<\/span><\/h2><p>\u6b64\u6587\u7ae0\u5167\u5bb9\u50c5\u4f5c\u70ba\u6559\u5b78\u3001\u5206\u4eab\u53ca\u53c3\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u5c08\u696d\u7684\u6295\u8cc7\u5efa\u8b70\u3002\u7531\u65bc\u500b\u4eba\u7684\u60c5\u6cc1\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u806f\u4fc2\u6211\u5011\u6216\u54a8\u8a62\u4f60\u7684\u7406\u8ca1\u898f\u5283\u5e2b\u4ee5\u53d6\u5f97\u5c08\u696d\u7684\u5efa\u8b70\u3002<\/p><p>\u672c\u6587\u7ae0\u7531<a href=\"https:\/\/edupath.my\/\" target=\"_blank\" rel=\"noopener\">Edupath\u5347\u5b66\u4e4b\u8def\u63d0\u4f9b<\/a>\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u6587\u7ae0\u5f88\u9577\uff0c\u4f60\u53ef\u4ee5\u5f9e\u9019\u88e1\u8df3\u8f49\u81f3\u4f60\u60f3\u770b\u7684\u6a19\u984c \u5982\u679c\u4f60\u4e0d\u662f\u4e00\u540d\u5927\u5b78\u751f\uff0c\u4f60\u53ef\u4ee5\u9078\u64c7\uff1a \u4e0d\u8b80\u9019\u7bc7\u6587\u7ae0 \u8b80\u9019\u7bc7\u6587\u7ae0\uff0c\u5b78\u7fd2\u4f7f [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":14596,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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