{"id":1297,"date":"2020-05-31T05:31:16","date_gmt":"2020-05-30T21:31:16","guid":{"rendered":"https:\/\/valueinmind.co\/?p=1297"},"modified":"2023-08-25T10:09:28","modified_gmt":"2023-08-25T02:09:28","slug":"investments-that-everyone-should-know","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/investments-that-everyone-should-know\/","title":{"rendered":"5\u500b\u9023\u4e0d\u61c2\u6295\u8cc7\u7684\u4eba\u90fd\u77e5\u9053\u7684\u91d1\u878d\u5546\u54c1\uff0c\u4f60\u8a8d\u8b58\u5e7e\u500b\uff1f | \u6295\u8cc7\u65b0\u624b\u61f6\u4eba\u5305"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1297\" class=\"elementor elementor-1297\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1446b86c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1446b86c\" 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class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__3735cc1\" 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__3735cc1\" 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-52d07202 elementor-widget elementor-widget-text-editor\" data-id=\"52d07202\" 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>\u201c\u6295\u8cc7\u201d\u9019\u4e00\u500b\u8a5e\u532f\uff0c\u807d\u8d77\u4f86\u5c31\u597d\u50cf\u548c\u201c\u5f88\u591a\u9322\u201d\u3001\u201c\u5f88\u5bb9\u6613\u5c31\u8667\u9322\u201d\u3001\u201c\u80a1\u7968\u8ca1\u7d93\u201d\u4e4b\u985e\u7684\u8a5e\u6302\u52fe\u3002<\/p><p>\u8a31\u591a\u4eba\u90fd\u5c0d\u9019\u500b\u8a5e\u532f\u4e0d\u611f\u8208\u8da3\uff0c\u6b8a\u4e0d\u77e5\u9019\u4e00\u8a5e\u8207\u6211\u5011\u7684\u751f\u6d3b\u606f\u606f\u76f8\u95dc\u3002<\/p><p>\u5982\u679c\u4f60\u662f\u4e00\u540d\u5927\u5b78\u751f\uff0c\u4f4f\u5728\u6821\u5916\u79df\u4f86\u7684\u623f\u9593\uff0c\u5176\u5be6\u4f60\u5c31\u5df2\u7d93\u53c3\u8207\u4e86\u6295\u8cc7\u7684\u74b0\u7bc0\u3002\u4f46\u662f\uff0c\u4f60\u5e76\u4e0d\u662f\u6295\u8cc7\u7372\u5229\u7684\u4e00\u65b9\uff1b\u4f60\u7684\u623f\u6771\u624d\u662f\u3002<\/p><p>\u5982\u679c\u4f60\u628a\u9322\u5b58\u653e\u5728\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u4e2d\uff0c\u5c31\u662f\u4e00\u500b\u6295\u8cc7\u7684\u52d5\u4f5c\u3002<\/p><p>\u5176\u5be6\uff0c\u6295\u8cc7\u5f88\u7c21\u55ae\uff0c\u4e5f\u53ef\u4ee5\u5f88\u8907\u96dc\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1305 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u8907\u96dc.png\" alt=\"\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u8907\u96dc.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u8907\u96dc-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5f88\u8907\u96dc-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u7db2\u8def\u4e0a\u6295\u8cc7\u8cc7\u8a0a\u591a\u5f97\u8b93\u4f60\u773c\u82b1\u7e5a\u4e82\uff1a\u5404\u6a23\u91d1\u878d\u5546\u54c1\u7684\u597d\u58de\u3001\u6700\u65b0\u7684\u5e02\u5834\u52d5\u5411\u3001\u4e0d\u540c\u7684\u6295\u8cc7\u7b56\u7565&#8230;\u00a0<\/p><p>\u4f46\u662f\uff0c\u9762\u5c0d\u8457\u904e\u591a\u7684\u8cc7\u8a0a\uff0c\u4f60\u4e0d\u77e5\u8a72\u600e\u9ebd\u7be9\u9078\u9069\u5408\u4f60\u7684\u4fe1\u606f\uff0c\u8a31\u591a\u5c08\u696d\u8853\u8a9e\u4e5f\u8b93\u4f60\u6478\u4e0d\u7740\u982d\u7dd2\u3002\u6295\u8cc7\u5230\u5e95\u5305\u542b\u4e86\u4ec0\u9ebd\uff1f\u70ba\u4ec0\u9ebd\u90a3\u9ebd\u96e3\u61c2\uff1f<\/p><p>\u5225\u64d4\u5fc3\uff01\u6211\u5011\u5148\u5f9e\u6700\u57fa\u672c\u7684\u958b\u59cb\u3002\u53ea\u8981\u4f60\u8a8d\u8b58\u90195\u500b\u91d1\u878d\u5546\u54c1\uff0c\u5225\u4eba\u5728\u548c\u4f60\u8ac7\u8ad6\u6295\u8cc7\u7684\u4e8b\u60c5\u7684\u6642\u5019\uff0c\u4f60\u90fd\u80fd\u7406\u89e3\u5c0d\u65b9\u5728\u8aaa\u4ec0\u9ebd\uff0c\u5e76\u4e14\u53ef\u4ee5\u53c3\u8207\u8a0e\u8ad6\uff01<\/p><p>\u6b64\u5916\uff0c\u90195\u7a2e\u91d1\u878d\u5546\u54c1\u7684\u6982\u5ff5\u548c\u64cd\u4f5c\u90fd\u6bd4\u8f03\u7c21\u55ae\uff0c\u9069\u5408\u6b63\u958b\u59cb\u8981\u5b78\u7fd2\u6295\u8cc7\u7684\u670b\u53cb\u5011\u3002\u800c\u7576\u4e2d\u5185\u5bb9\u5305\u62ec\uff1a<\/p><ul><li>\u6295\u8cc7\u524d\u9700\u77e5<\/li><li>\u4ec0\u9ebd\u662f\u7dca\u6025\u9810\u5099\u91d1<\/li><li>\u958b\u59cb\u6295\u8cc7\u91d1\u878d\u5546\u54c1<\/li><li>\u91d1\u878d\u7522\u54c1\u7684\u7a2e\u985e\u548c\u4ecb\u7d39<\/li><\/ul><blockquote><p class=\"p1\"><a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-investment-4-tips\/\"><span class=\"s1\"><b>\u60f3\u8981\u5b78\u7fd2\u5982\u4f55\u6295\u8cc7\uff1f\u99ac\u4e0a\u4e0b\u8f09\u514d\u8cbb\u7684\u300a<\/b><\/span><span class=\"s1\"><b>\u6295\u8cc7\u5165\u9580\u653b\u7565\u300b\uff0c\u5e6b\u52a9\u4f60\u5b78\u7fd2\u6295\u8cc7\u7684\u95dc\u9375\uff0c\u6210\u70ba\u6295\u8cc7\u8d0f\u5bb6\uff01<\/b><\/span><\/a><\/p><\/blockquote><h2><span style=\"color: #3b7abb;\">\u5728\u6295\u8cc7\u5728\u4efb\u4f55\u4efb\u4f55\u91d1\u878d\u5546\u54c1\u524d\uff0c\u5148\u56de\u7b54\u9019\u500b\u554f\u984c<\/span><\/h2><h6>\u00a0<\/h6><p>\u4f60\u76ee\u524d\u662f\u5426\u64c1\u6709\u76f8\u7b49\u4e8e\u4f606\u500b\u6708\u7684\u751f\u6d3b\u8cbb\u7684\u7dca\u6025\u5099\u7528\u91d1\uff1f<\/p><p>\u5982\u679c\u6709\uff0c\u4f60\u53ef\u4ee5\u653e\u5fc3\u958b\u59cb\u6295\u8cc7\u3002<\/p><p>\u5982\u679c\u6c92\u6709\uff0c\u90a3\u4f60\u5c31\u5fc5\u9808\u5148\u5b58\u4e0b\u9019\u7b46\u7dca\u6025\u5099\u7528\u91d1\u4e86\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u4ec0\u9ebd\u662f\u7dca\u6025\u5099\u7528\u91d1\uff1f<\/span><\/h2><h6>\u00a0<\/h6><p>\u7dca\u6025\u5099\u7528\u91d1\u662f\u80fd\u5920\u8b93\u4f60\u5728\u9762\u5c0d\u7dca\u6025\u72c0\u6cc1\u6642\uff0c\u80fd\u5920\u99ac\u4e0a\u52d5\u7528\u7684\u4e00\u7b46\u8cc7\u91d1\uff0c\u8b93\u4f60\u7528\u65bc\u7dad\u6301\u4f60\u7684\u751f\u6d3b\uff0c\u6216\u5e6b\u52a9\u4f60\u89e3\u6c7a\u7dca\u6025\u7684\u554f\u984c\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1306 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7dca\u6025\u5099\u7528\u91d1\u7684\u5132\u84c4.png\" alt=\"\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7dca\u6025\u5099\u7528\u91d1\u7684\u5132\u84c4.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7dca\u6025\u5099\u7528\u91d1\u7684\u5132\u84c4-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7dca\u6025\u5099\u7528\u91d1\u7684\u5132\u84c4-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h3><span style=\"color: #62c3c9;\">\u7406\u60f3\u6578\u984d<\/span><\/h3><h6>\u00a0<\/h6><p>\u55ae\u8eab\u4eba\u58eb\uff1a3 &#8211; 6\u500b\u6708\u7684\u751f\u6d3b\u8cbb\uff08\u6839\u64da\u4f60\u7684\u4fdd\u5b88\u7a0b\u5ea6\uff09<\/p><p>\u5047\u8a2d\u4f60\u4e00\u500b\u6708\u7684\u751f\u6d3b\u8cbb\u70ba$2000\uff0c\u90a3\u4f60\u5728\u6295\u8cc7\u524d\u5fc5\u9808\u5b58\u4e0b\u81f3\u5c11$6000\u70ba\u7dca\u6025\u5099\u7528\u91d1\u3002<\/p><p>\u6709\u5bb6\u5ead\u7684\u4eba\u58eb\uff1a1 &#8211; 2 \u5e74\u7684\u751f\u6d3b\u8cbb\uff08\u6839\u64da\u4f60\u7684\u4fdd\u5b88\u7a0b\u5ea6\uff09<\/p><p>\u5047\u8a2d\u4f60\u4e00\u500b\u6708\u7684\u5bb6\u5ead\u958b\u92b7\u662f$6000\uff0c\u90a3\u4f60\u5728\u6295\u8cc7\u524d\u5fc5\u9808\u5b58\u4e0b\u81f3\u5c11$72,000\u4f5c\u70ba\u7dca\u6025\u5099\u7528\u91d1\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u5132\u5b58\u65b9\u5f0f<\/span><\/h3><h6>\u00a0<\/h6><p>\u4f60\u5fc5\u9808\u5c07\u5b9a\u671f\u5b58\u6b3e\u5b58\u653e\u5728\u5132\u84c4\u5e33\u6236\u6216\u5b9a\u671f\u5b58\u6b3e\u5e33\u6236\uff0c\u56e0\u70ba\u5fc5\u9808\u662f\u80fd\u5920\u99ac\u4e0a\u88ab\u52d5\u7528\u7684\u3002<\/p><p>\u4f60\u53ef\u4ee5\u628a\u7dca\u6025\u5099\u7528\u91d1\u5206\u62103\u4efd\uff1a1\u4efd\u653e\u51651\u500b\u6708\u7684 \u5b9a\u671f\u5b58\u6b3e (FD)\uff0c1\u4efd\u653e\u51653\u500b\u6708\u7684FD\uff0c1\u4efd\u653e\u51656\u500b\u6708\u7684FD\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1309\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e09\u500b\u90e8\u5206.png\" alt=\"\u628a\u5b9a\u671f\u5b58\u6b3e\u5206\u6210\u4e09\u500b\u90e8\u5206\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e09\u500b\u90e8\u5206.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e09\u500b\u90e8\u5206-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e09\u500b\u90e8\u5206-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u9047\u5230\u7dca\u6025\u72c0\u6cc1\u7e7c\u7e8c\u7528\u9322\u7684\u6642\u5019\uff0c\u53ef\u4ee5\u5148\u89e3\u9396\u7b2c\u4e00\u4efd\uff0c\u4e5f\u5c31\u662f1\u500b\u6708\u7684FD\u3002<\/p><p>\u5982\u679c\u9019\u88e1\u7684\u6b3e\u9805\u4e0d\u5920\uff0c\u4f60\u53ef\u4ee5\u518d\u89e3\u9396\u7b2c\u4e8c\u4efdFD\uff0c\u6700\u5f8c\u624d\u89e3\u9396\u7b2c\u4e09\u4efdFD\u3002<\/p><p>\u5c07\u7dca\u6025\u5099\u7528\u91d1\u653e\u5165\u5b9a\u671f\u5b58\u6b3e\u53ef\u4ee5\u5728\u672a\u52d5\u7528\u7684\u60c5\u6cc1\u4e0b\uff0c\u8cfa\u53d6\u5229\u606f\uff0c\u628a\u91d1\u9322\u7684\u50f9\u503c\u6700\u5927\u5316\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u958b\u59cb\u6295\u8cc7\u91d1\u878d\u5546\u54c1<\/span><\/h2><h6>\u00a0<\/h6><p>\u5b58\u4e0b\u7684\u7dca\u6025\u5099\u7528\u91d1\u6578\u984d\u8aaa\u5927\u4e0d\u5927\uff0c\u8aaa\u5c0f\u4e5f\u4e0d\u5c0f\uff0c\u4f46\u5343\u842c\u4e0d\u8981\u52d5\u7528\u7dca\u6025\u5099\u7528\u91d1\u4f86\u9032\u884c\u6295\u8cc7\uff01<\/p><p>\u6709\u4e86\u7dca\u6025\u5099\u7528\u91d1\uff0c\u4f60\u63a5\u4e0b\u4f86\u53ef\u4ee5\u5728\u6bcf\u500b\u6708\u5206\u914d\u4e00\u5b9a\u7684\u6578\u984d\u9032\u884c\u5b9a\u671f\u5b9a\u984d\u7684\u6295\u8cc7\u4e86\u3002<\/p><p>\u4f46\u662f\uff0c\u5343\u842c\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4f60\u5fc5\u9808\u5728\u638c\u63e1\u4e00\u5b9a\u7684\u6295\u8cc7\u77e5\u8b58\u53ca\u6280\u5de7\uff0c\u5c0d\u4f60\u6240\u8981\u6295\u8cc7\u7684\u91d1\u878d\u5546\u54c1\u6709\u4e00\u5b9a\u77ad\u89e3\u7684\u60c5\u6cc1\u4e0b\uff0c\u624d\u958b\u59cb\u6295\u8cc7\u3002<\/p><h2><span style=\"color: #3b7abb;\">5\u7a2e\u6700\u5e38\u898b\u7684\u91d1\u878d\u5546\u54c1\u7684\u7a2e\u985e\u53ca\u4ecb\u7d39<\/span><\/h2><h6>\u00a0<\/h6><p>\u4ee5\u4e0b\u7684\u8aac\u660e\u9069\u7528\u65bc\u99ac\u4f86\u897f\u4e9e\u7684\u60c5\u6cc1\u3002<\/p><h3><span style=\"color: #62c3c9;\">1. \u5b9a\u671f\u5b58\u6b3e (Fixed Deposit\uff0c\u7c21\u7a31FD)<\/span><\/h3><h6>\u00a0<\/h6><p>\u5e74\u5316\u5831\u916c\uff1a2-4%\u00a0<\/p><p>\u5b9a\u671f\u5b58\u6b3e\u4e5f\u88ab\u7a31\u70baFD\u3002<\/p><p>\u9577\u8a71\u77ed\u8aaa\uff0cFD\u5c31\u662f\uff0c\u4f60\u628a\u4e00\u7b46\u9322\u5b58\u5165\u9280\u884c\u7684FD\uff0c\u5728\u898f\u5b9a\u7684\u671f\u9593\u5167\u4e0d\u628a\u9322\u53d6\u51fa\u7684\u60c5\u6cc1\u4e0b\uff0c\u7d93\u904e\u4e00\u6bb5\u6642\u9593\u5f8c\uff0c\u4f60\u5c07\u6703\u5f97\u5230\u6307\u5b9a\u7684\u5229\u606f\u3002<\/p><p>\u4f60\u53ef\u4ee5\u5230 <a href=\"https:\/\/ringgitplus.com\/en\/fixed-deposit\/\" target=\"_blank\" rel=\"noreferrer noopener\">ringgitplus<\/a>, <a href=\"https:\/\/www.imoney.my\/fixed-deposit\" target=\"_blank\" rel=\"noreferrer noopener\">imoney<\/a>\u548c<a href=\"https:\/\/loanstreet.com.my\/learning-centre\/best-fixed-deposit-promos\" target=\"_blank\" rel=\"noreferrer noopener\">loanstreet<\/a>\u6bd4\u8f03\u5404\u5927\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff0c\u627e\u51fa\u6700\u503c\u5f97\u5b58\u653e\u5b9a\u671f\u5b58\u6b3e\u7684\u9280\u884c\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1310\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9280\u884c\u63d0\u6b3e\u6a5f.png\" alt=\"\u628a\u4e00\u7b46\u9322\u5b58\u5165\u9280\u884c\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9280\u884c\u63d0\u6b3e\u6a5f.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9280\u884c\u63d0\u6b3e\u6a5f-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9280\u884c\u63d0\u6b3e\u6a5f-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h4>\u5b9a\u671f\u5b58\u6b3e\u7684\u7b97\u6cd5<\/h4><p>\u6bcf\u5bb6\u9280\u884c\u6240\u63d0\u4f9b\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u606f\u90fd\u4e0d\u4e00\u6a23\uff0c\u5229\u606f\u4e5f\u8ddf\u8457\u4f60\u6240\u9078\u64c7\u7684\u5b58\u6b3e\u671f\u9650\u800c\u6539\u8b8a\u3002\u90a3\u9ebd\u4f60\u5230\u5e95\u5b58\u5165\u4e86\u9019\u7b46\u9322\u5f8c\uff0c\u671f\u6eff\u5f8c\u9762\u80fd\u5f97\u5230\u591a\u5c11\u5229\u606f\u5462\uff1f<\/p><p>\u5047\u8a2d\u4f60\u4eca\u5929\u5c07\u672c\u91d1$10,000\u5b58\u5165\u4e86\u4e00\u500b\u5e74\u5229\u7387\u70ba 3% p.a. (per annum, \u4e00\u5e74) \u7684\u5b9a\u671f\u5b58\u6b3e\uff0c\u5e76\u9078\u64c79\u500b\u6708\u7684\u671f\u9650\u3002\u90a3\u4f60\u7684\u5b9a\u671f\u5b58\u6b3e\u57289\u500b\u6708\u5f8c\u5230\u671f\u6642\uff0c\u4f60\u6703\u5f97\u5230\u591a\u5c11\u7684\u5229\u606f\u5462\uff1f<\/p><p>$10,000\u76843%\u662f$300\uff0c\u4f46\u662f\u9019\u500b$300\u662f\u5b58\u653e\u4e00\u5e74\u6240\u5f97\u7684\u5229\u606f\u3002<\/p><p>\u6240\u4ee5\uff0c\u6211\u5011\u5fc5\u9808\u5c07$300\u9664\u4ee512\uff0c\u4e58\u4e0a9\uff0c\u5f97\u5230$225\uff0c\u4e5f\u5c31\u662f\u4f60\u6240\u5f97\u7684\u5229\u606f\u3002<\/p><p>\u4ee5\u4e0b\u662f\u8a08\u7b97\u6240\u5f97\u5229\u606f\u7684\u65b9\u7a0b\u5f0f\uff1a<\/p><p>\u6240\u5f97\u5229\u606f = [\u672c\u91d1 x \u5e74\u5229\u7387 x \u5b58\u653e\u671f\u9650 (\u6708\u4efd)] \/ 12<\/p><p>\u6ce8\u610f\uff1a\u5982\u679c\u5b58\u653e\u671f\u9650\u662f\u5169\u5e74\uff0c\u8acb\u63db\u7b97\u621024\u500b\u6708\u7528\u65bc\u8a08\u7b97\u3002<\/p><h4>\u5b9a\u671f\u5b58\u6b3e\u7684\u597d\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u7121\u98a8\u96aa<\/strong><\/li><\/ol><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\u6642\uff0c\u4f60\u5c31\u6703\u7372\u5f973%\u7684\u5229\u606f\u3002<\/p><p>\u6b64\u5916\uff0cFD\u662f\u6536\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><ol start=\"2\"><li><strong>\u5feb\u901f\u53d6\u51fa\u5b58\u6b3e<\/strong><\/li><\/ol><p>\u82e5\u767c\u751f\u4e86\u4ec0\u9ebd\u7dca\u6025\u7684\u72c0\u6cc1\uff0c\u4f60\u9700\u8981\u7528\u5230\u5927\u91cf\u7684\u9322\uff0c\u90a3\u4f60\u53ef\u4ee5\u99ac\u4e0a\u53d6\u6d88\u4f60\u7684FD\uff0c\u5c31\u53ef\u4ee5\u99ac\u4e0a\u628a\u9322\u53d6\u51fa\u4e86\u3002<\/p><p>\u5728FD\u672a\u5230\u671f\u524d\u53d6\u51fa\u5b58\u6b3e\uff0c\u5e76\u4e0d\u6703\u906d\u53d7\u5230\u4efb\u4f55\u7684\u7f70\u6b3e\u3002\u4f60\u53ea\u4e0d\u904e\u662f\u7121\u6cd5\u7372\u5f97\u5229\u606f\uff0c\u6216\u662f\u53ea\u7372\u5f97\u5c11\u90e8\u5206\u7684\u5229\u606f\u7f77\u4e86\u3002\uff08\u6ce8\uff1a\u4e0d\u540c\u7684\u9280\u884c\u6709\u4e0d\u540c\u7684\u689d\u6b3e\u8207\u689d\u4ef6\uff09<\/p><ol start=\"3\"><li><strong>\u57f9\u990a\u5132\u84c4\u7684\u7fd2\u6163<\/strong><\/li><\/ol><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"438\" class=\"wp-image-1311\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4-1.png\" alt=\"\u57f9\u990a\u5132\u84c4\u7684\u7fd2\u6163\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4-1.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4-1-300x168.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5132\u84c4-1-768x431.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u82e5\u60f3\u5f97\u5230FD\u7684\u5229\u606f\uff0c\u90a3\u4f60\u5c31\u5fc5\u9808\u5c07\u5b58\u5165FD\u7684\u9322\u653e\u5728\u9280\u884c\u4e00\u6bb5\u6642\u9593\uff0c\u4e0d\u80fd\u53d6\u51fa\u3002<\/p><p>\u9019\u6a23\u4e00\u4f86\uff0c\u6211\u5011\u80fd\u5920\u6709\u6548\u63a7\u5236\u6211\u7684\u6d88\u8cbb\u6b32\u671b\uff0c\u4e0d\u8f15\u6613\u52d5\u7528\u5b58\u6b3e\u4f86\u8cfc\u8cb7\u6602\u8cb4\u7684\u7269\u54c1<\/p><ol start=\"4\"><li><strong>\u7121\u9700\u5177\u5099\u5c08\u696d\u7684\u7406\u8ca1\u6295\u8cc7\u77e5\u8b58<\/strong><\/li><\/ol><p>\u4f60\u53ea\u9700\u8981\u627e\u51fa\u63d0\u4f9b\u6700\u9ad8\u7684\u5b9a\u671f\u5b58\u6b3e\u5e74\u5229\u7387\u7684\u9280\u884c\uff0c\u5e76\u4e14\u7b26\u5408\u5176\u898f\u5b9a\u7684\u6700\u4f4e\u5b58\u5165\u6578\u984d\uff0c\u90a3\u4f60\u5c31\u53ef\u4ee5\u5230\u9280\u884c\u958b\u6236\u6295\u8cc7\u4e86\u3002<\/p><p>\u82e5\u4f60\u6709\u8a72\u9280\u884c\u7684\u7db2\u4e0a\u9280\u884c\u6236\u53e3\uff0c\u4f60\u4e5f\u53ef\u4ee5\u76f4\u63a5\u5728\u7db2\u4e0a\u9280\u884c\u76f4\u63a5\u5b58\u5165\u5b9a\u671f\u5b58\u6b3e\u3002<\/p><h4>\u5b9a\u671f\u5b58\u6b3e\u7684\u58de\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u4f4e\u5831\u916c<\/strong><\/li><\/ol><p>\u5176\u5b83\u91d1\u878d\u5546\u54c1\u5982\u57fa\u91d1\u3001\u80a1\u7968\u3001\u623f\u5730\u7522\u7b49\u7b49\u7684\u5831\u916c\u6bd4\u5b9a\u671f\u5b58\u6b3e\u7684\u9ad8\u5f97\u591a\u3002<\/p><p>\u5b9a\u671f\u5b58\u6b3e\u7684\u5831\u916c\u751a\u81f3\u4f4e\u65bc<a href=\"https:\/\/www.statista.com\/statistics\/319033\/inflation-rate-in-malaysia\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u901a\u8ca8\u81a8\u8139\u7387<\/a>\uff0c\u90a3\u9019\u5c31\u6703\u8b93\u4f60\u7684\u9322\u8d8a\u5b58\u8d8a\u5c11\u4e86\u3002<\/p><h3><span style=\"color: #62c3c9;\">2. \u80a1\u7968 (Stock)<\/span><\/h3><h6>\u00a0<\/h6><p>\u5e74\u5316\u5831\u916c\uff1a10% &#8211; 15%\u00a0<\/p><p>\u9577\u8a71\u77ed\u8aaa\uff0c<a href=\"https:\/\/valueinmind.co\/stock-investment-for-beginners\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6295\u8cc7\u80a1\u7968<\/a>\u5c31\u662f\u4f60\u8cb7\u4e86\u4e00\u5bb6\u516c\u53f8\u4e00\u90e8\u5206\u7684\u80a1\u7968\u3002\u5728\u516c\u53f8\u8cfa\u9322\u7684\u524d\u63d0\u4e0b\uff0c\u4f60\u53ef\u4ee5\u4ee5\u5169\u7a2e\u6a21\u5f0f\u7372\u5229\uff1a<\/p><ol><li>\u516c\u53f8\u6309\u7167\u4f60\u6301\u6709\u7684\u80a1\u4efd\u5206\u7d05\uff08\u767c\u653e\u80a1\u606f\uff09\u7d66\u8eab\u70ba\u80a1\u6771\u7684\u4f60\u3002<\/li><li>\u516c\u53f8\u5c07\u8cfa\u4f86\u7684\u9322\u7559\u5728\u516c\u53f8\uff0c\u4f7f\u80a1\u7968\u5347\u503c\u3002\u7576\u4f60\u8ce3\u51fa\u624b\u4e2d\u7684\u80a1\u7968\uff0c\u5c31\u80fd\u901a\u904e\u5dee\u50f9\u4f86\u8cfa\u53d6\u5229\u6f64\u3002<\/li><\/ol><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1312\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u80a1\u7968.png\" alt=\"\u6295\u8cc7\u80a1\u7968\u5c31\u662f\u8cb7\u4e86\u4e00\u5bb6\u516c\u53f8\u4e00\u90e8\u5206\u7684\u80a1\u7968\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u80a1\u7968.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u80a1\u7968-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u80a1\u7968-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h4>\u80a1\u7968\u7684\u7b97\u6cd5<\/h4><p>2015\u5e74\uff0c\u4f60\u5728<a href=\"https:\/\/www.marketwatch.com\/investing\/stock\/tsla\" target=\"_blank\" rel=\"noreferrer noopener\">\u7279\u65af\u62c9 (Tesla)<\/a> \u80a1\u50f9\u70ba\u4e00\u80a1250\u7f8e\u91d1\u7684\u6642\u5019\uff0c\u8cb7\u5165\u4e86100\u80a1\uff0c\u6240\u4ee5\u4f60\u7684\u672c\u91d1\u70ba 25,000\u7f8e\u91d1\u3002<\/p><p>5\u5e74\u5f8c\uff0c\u4e5f\u5c31\u662f2020\u5e74\u521d\uff0c\u7279\u65af\u62c9\u80a1\u50f9\u6f32\u81f3800\u7f8e\u91d1\uff0c\u4f60\u8ce3\u6389\u4e86\u624b\u4e0a\u7684100\u80a1\uff0c\u5f97\u5230\u4e8680,000\u7f8e\u91d1\u3002<\/p><p>80,000\u7f8e\u91d1 &#8211; 25,000\u7f8e\u91d1 = 55,000\u7f8e\u91d1<\/p><p>55,000\u7f8e\u91d1\u5c31\u662f\u4f60\u8ce3\u51fa\u80a1\u7968\u6240\u8cfa\u53d6\u7684\u5dee\u50f9\uff0c\u4f46\u9019\u9084\u672a\u7b97\u4e0a5\u5e74\u4f86\u4f60\u6240\u6536\u5230\u7684\u80a1\u606f\uff08\u5982\u6709\uff09\u3002<\/p><p>\u9664\u6b64\u4e4b\u5916\uff0c\u6211\u5011\u4e5f\u5fc5\u9808\u8003\u616e\u90195\u5e74\u4f86\u7684\u901a\u8ca8\u81a8\u8139\u7387\u4ee5\u53ca\u8cb7\u8ce3\u80a1\u7968\u6240\u9700\u7684\u4ea4\u6613\u8cbb\u3002<\/p><h4>\u6295\u8cc7\u80a1\u7968\u7684\u597d\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u9ad8\u6536\u76ca<\/strong><\/li><\/ol><p>\u5982\u679c\u6211\u5011\u771f\u7684\u5f88\u5e78\u904b\u5730\u5728\u65e9\u8d77\u5c31\u8cb7\u5230\u4e86\u7279\u65af\u62c9\u80a1\u7968\uff0c\u90a35\u5e74\u4e0b\u4f86\u7684\u6295\u8cc7\u7e3d\u5171\u5e36\u4f86\u4e86\u81f3\u5c11220%\u7684\u5831\u916c\uff0c\u4e5f\u5c31\u662f\u5e73\u5747\u6bcf\u5e74\u63a5\u8fd144%\u7684\u5831\u916c\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1313\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u6f32.png\" alt=\"\u4e0d\u505c\u4e0a\u6f32\u7684\u9ad8\u6536\u76ca\u5831\u916c\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u6f32.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u6f32-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u4e0a\u6f32-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><ol start=\"2\"><li><strong>\u62b5\u6297\u901a\u8ca8\u81a8\u8139<\/strong><\/li><\/ol><p>\u901a\u8ca8\u81a8\u8139\u7387\u70ba\u4e00\u5e742 &#8211; 3%\u3002\u4ee5\u7279\u65af\u62c9\u80a1\u7968\u70ba\u4f8b\u5b50\uff0c\u6bcf\u5e7444%\u7684\u6536\u76ca\u5728\u6263\u9664\u4e86\u901a\u8ca8\u81a8\u8139\u7387\u5f8c\uff0c\u4f60\u4f9d\u7136\u80fd\u5920\u7372\u5f9740%\u7684\u5831\u916c\u3002<\/p><ol start=\"3\"><li><strong>\u5bb9\u6613\u5957\u73fe<\/strong><\/li><\/ol><p>\u5982\u679c\u4f60\u4eca\u5929\u6025\u9700\u7528\u9322\uff0c\u53ef\u4ee5\u99ac\u4e0a\u5c07\u80a1\u7968\u8ce3\u51fa\uff0c\u5e76\u4e14\u5728\u4e0b\u4e00\u500b\u4ea4\u6613\u65e5\u6536\u5230\u80a1\u6b3e\u3002 \u53ef\u4ee5\u96a8\u6642\u8cb7\u5165\u8ce3\u51fa\u3002<\/p><ol start=\"4\"><li><strong>\u88ab\u52d5\u6536\u5165\u4f86\u6e90<\/strong><\/li><\/ol><p>\u90e8\u5206\u516c\u53f8\u6bcf\u5e74\u90fd\u6703\u6d3e\u767c\u80a1\u606f\uff0c\u8b93\u4f60\u4ec0\u9ebd\u90fd\u4e0d\u5fc5\u505a\u5c31\u80fd\u7372\u5f97\u5206\u7d05\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4e00\u4e9b\u516c\u53f8\u6703\u5c07\u5229\u6f64\u4ee5\u80a1\u7968\u7684\u5f62\u5f0f\u914d\u7d66\u80a1\u6771\uff0c\u8b93\u4f60\u4e0d\u5fc5\u51fa\u9322\u5c31\u80fd\u5f97\u5230\u516c\u53f8\u66f4\u591a\u7684\u80a1\u7968\u3002<\/p><h4>\u6295\u8cc7\u80a1\u7968\u7684\u58de\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u50f9\u683c\u4e0d\u7a69\u5b9a<\/strong><\/li><\/ol><p>\u80a1\u50f9\u53d7\u5230\u653f\u6cbb\u56e0\u7d20\u3001\u7d93\u6fdf\u56e0\u7d20\u3001\u516c\u53f8\u7684\u76c8\u8667\u3001\u516c\u53f8\u7684\u6c7a\u7b56\u3001\u516c\u53f8\u9818\u5c0e\u7684\u767c\u8a00\u6216\u884c\u70ba\u7b49\u7b49\u7684\u56e0\u7d20\u5f71\u97ff\uff0c\u6240\u4ee5\u6ce2\u52d5\u8f03\u5927\u3002\u4e00\u5929\u5167\u7684\u6f32\u8dcc\u53ef\u4ee5\u9054\u523010%\u4e4b\u591a\u3002<\/p><ol start=\"2\"><li><strong>\u9700\u8981\u9577\u671f\u6301\u6709\u624d\u80fd\u7522\u751f\u9ad8\u6536\u76ca<\/strong><\/li><\/ol><p>\u5e76\u4e0d\u662f\u6240\u6709\u80a1\u7968\u90fd\u50cf\u7279\u65af\u62c9\u4e00\u6a23\uff0c\u6301\u67095\u5e74\u5c31\u80fd\u8cfa\u9322200%\u4ee5\u4e0a\u7684\u5831\u916c\u3002<\/p><p>\u62ff\u9ea5\u7576\u52de\u7684\u80a1\u7968\u4f5c\u70ba\u4f8b\u5b50\u3002\u57281999\u5e74\uff0c\u9ea5\u7576\u52de1\u80a1\u70ba40\u7f8e\u91d1\u300220\u5e74\u5f8c\uff0c\u4e5f\u5c31\u662f2019\u5e74\uff0c\u9ea5\u7576\u52de1\u80a1\u70ba160\u7f8e\u91d1\u3002<\/p><p>\u901920\u5e74\uff0c\u9ea5\u7576\u52de\u80a1\u50f9\u6f32\u4e86400%\uff1b\u6301\u670920\u5e74\uff0c\u4e00\u5e74\u7684\u5e73\u5747\u5831\u916c\u70ba20%<\/p><h4>\u70ba\u4f55\u6703\u8667\u640d\uff1f<\/h4><h6>\u00a0<\/h6><p>\u4f60\u662f\u4e0d\u662f\u7d93\u5e38\u6703\u807d\u898b\u5f88\u591a\u4eba\u53eb\u4f60\u4e0d\u8981\u8cb7\u80a1\u7968\uff0c\u56e0\u70ba\u73a9\u80a1\u7968\u6703\u8667\u5f88\u591a\u9322\uff1f<\/p><p>\u5176\u5be6\uff0c\u6295\u8cc7\u80a1\u7968\u5e76\u4e0d\u662f\u4e00\u500b\u4e0d\u5c0f\u5fc3\u5c31\u8840\u672c\u7121\u6b78\u7684\u3002\u4ee5\u4e0b\u9019\u5169\u7a2e\u60c5\u6cc1\u6703\u5c0e\u81f4\u4f60\u9762\u81e8\u8667\u640d\uff1a<\/p><ol><li><strong>\u9ad8\u8cb7\u4f4e\u8ce3<\/strong><\/li><\/ol><p>\u9019\u662f\u6700\u5e38\u898b\u7684\u8667\u640d\u4e86\u3002\u8a31\u591a\u6295\u8cc7\u8005\u5728\u67d0\u53ea\u80a1\u7968\u5927\u6f32\u6642\u8cb7\u9032\uff0c\u4ee5\u70ba\u80a1\u7968\u6703\u6f32\u7684\u66f4\u9ad8\uff0c\u80fd\u5920\u5e36\u4f86\u8c50\u539a\u7684\u6536\u76ca\u3002\u600e\u9ebd\u77e5\u9053\u5f8c\u4f86\u80a1\u50f9\u958b\u59cb\u4e0b\u8dcc\uff0c\u77ed\u671f\u5167\u90fd\u7121\u6cd5\u56de\u5347\u5230\u7576\u521d\u8cb7\u9032\u7684\u50f9\u683c\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1322\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u58de\u8655.png\" alt=\"\u80a1\u50f9\u958b\u59cb\u4e0b\u8dcc\uff0c\u77ed\u671f\u5167\u90fd\u7121\u6cd5\u56de\u5347\u5230\u7576\u521d\u8cb7\u9032\u7684\u50f9\u683c\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u58de\u8655.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u58de\u8655-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u58de\u8655-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u9019\u6642\uff0c\u9019\u4e9b\u6295\u8cc7\u8005\u958b\u59cb\u64d4\u5fc3\uff0c\u4ee5\u70ba\u80a1\u50f9\u4e0d\u6703\u518d\u56de\u5347\u4e86\uff0c\u4e5f\u4e0d\u9858\u610f\u770b\u898b\u8667\u640d\uff0c\u6240\u4ee5\u4e7e\u8106\u5c31\u628a\u80a1\u7968\u8ce3\u4e86\u3002<\/p><ol start=\"2\"><li><strong>\u516c\u53f8\u7834\u7522<\/strong><\/li><\/ol><p>\u5be6\u969b\u4e0a\uff0c\u4e00\u5bb6\u4e0a\u5e02\u516c\u53f8\u5e76\u4e0d\u6703\u5728\u4e00\u591c\u4e4b\u9593\u5c31\u7a81\u7136\u7834\u7522\u5012\u9589\uff0c\u8b93\u6295\u8cc7\u8005\u8840\u672c\u7121\u6b78\u7684\u3002<\/p><p>\u5982\u679c\u4e00\u5bb6\u516c\u53f8\u9023\u7e8c\u5169\u4e09\u5e74\u90fd\u5728\u8667\u640d\uff0c\u51fa\u73fe\u5012\u9589\u7684\u98a8\u96aa\uff0c\u80a1\u5e02\u5c31\u6703\u767c\u51fa\u9000\u5e02\u98a8\u96aa\u8b66\u544a\u3002\u5982\u679c\u516c\u53f8\u4f9d\u7136\u6301\u7e8c\u8667\u640d\uff0c\u516c\u53f8\u624d\u6703\u5ba3\u4f48\u9000\u5e02\u3002<\/p><p>\u6240\u4ee5\u6295\u8cc7\u4eba\u9084\u662f\u6709\u8db3\u5920\u7684\u6642\u9593\u5c07\u624b\u4e2d\u7684\u80a1\u7968\u8ce3\u6389\u6216\uff0c\u6e1b\u4f4e\u640d\u5931\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u50b5\u5238 (Bond)\u00a0<\/span><\/h3><h6>\u00a0<\/h6><p>\u5e74\u5316\u5831\u916c\uff1a3% &#8211; 6%\u00a0<\/p><p>\u9577\u8a71\u77ed\u8aaa\uff0c<a href=\"https:\/\/valueinmind.co\/zh\/what-is-bond\/\">\u50b5\u5238<\/a>\u5c31\u662f\u4e00\u5f35\u501f\u64da\u3002<\/p><p>\u7576\u4f60\u4ee51000\u7f8e\u91d1\u8cb7\u4e86\u516c\u53f8A\u6240\u767c\u884c\u7684\u50b5\u5238\uff0c\u5c31\u4ee3\u8868\u4e86\u4f60\u501f\u4e861000\u7f8e\u91d1\u7d66\u516c\u53f8A\u3002<\/p><p>\u4f60\u6240\u6301\u6709\u7684\u50b5\u5238\u8a18\u9304\u4e86\u4f60\u501f\u7d66\u516c\u53f8A\u7684\u91d1\u984d\uff081000\u7f8e\u91d1\uff09\u3001\u516c\u53f8A\u9084\u6b3e\u7684\u65e5\u671f\u53ca\u516c\u53f8A\u9700\u8981\u5411\u4f60\u652f\u4ed8\u7684\u5229\u606f\uff08\u9762\u984d\u5229\u7387\uff09\u3002<\/p><p>\u516c\u53f8A\u5c07\u6703\u6bcf\u500b\u6708\u6216\u6bcf\u5e74\u767c\u653e\u50b5\u606f\u7d66\u4f60\uff0c\u5e76\u4e14\u5728\u9084\u6b3e\u65e5\u5c07\u4f60\u7684\u672c\u91d1\u6b78\u9084\u3002<\/p><p>\u767c\u884c\u50b5\u5238\u7684\u53ef\u4ee5\u662f\u653f\u5e9c\u3001\u91d1\u878d\u6a5f\u69cb\u6216\u516c\u53f8\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1314\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u653f\u5e9c\u6a5f\u69cb\u6216\u9280\u884c.png\" alt=\"\u653f\u5e9c\u3001\u91d1\u878d\u6a5f\u69cb\u6216\u516c\u53f8\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u653f\u5e9c\u6a5f\u69cb\u6216\u9280\u884c.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u653f\u5e9c\u6a5f\u69cb\u6216\u9280\u884c-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u653f\u5e9c\u6a5f\u69cb\u6216\u9280\u884c-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u6709\u6642\u5019\u50b5\u5238\u7684\u9762\u984d\u548c\u5e02\u50f9\u6709\u5dee\u5225\u3002<\/p><p>\u5982\u679c\u5e02\u50f9\u9ad8\u65bc\u50b5\u5238\u9762\u984d\uff0c\u90a3\u9ebd\u6295\u8cc7\u4eba\u5c31\u5fc5\u9808\u7d66\u66f4\u591a\u7684\u9322\u624d\u80fd\u8cb7\u5230\u50b5\u5238\u3002\u4f46\u662f\u516c\u53f8A\u53ea\u9700\u8981\u4ed8\u50b5\u5238\u9762\u984d\u4e0a\u7684\u91d1\u984d\u7d66\u4f60\uff0c\u9019\u88e1\u5c31\u6703\u7522\u751f\u4e86\u8667\u640d\u3002<\/p><p>\u5982\u679c\u5e02\u50f9\u4f4e\u65bc\u50b5\u5238\u9762\u984d\uff0c\u90a3\u9ebd\u6295\u8cc7\u4eba\u53ef\u4ee5\u4ee5\u66f4\u5c11\u7684\u9322\u5c31\u80fd\u8cb7\u5230\u50b5\u5238\u3002\u7136\u800c\uff0c\u516c\u53f8A\u9700\u8981\u4ed8\u50b5\u5238\u9762\u984d\u4e0a\u7684\u91d1\u984d\u7d66\u4f60\uff0c\u6240\u4ee5\u4f60\u5c31\u53ef\u4ee5\u5f9e\u4e2d\u7372\u53d6\u66f4\u591a\u7684\u6536\u76ca\u4e86\u3002<\/p><h4>\u50b5\u5238\u7684\u7b97\u6cd5<\/h4><h6>\u00a0<\/h6><p>1000\u7f8e\u91d1\u8cb7\u4e86\u4e00\u5f35\u50b5\u5238\uff0c\u9084\u6b3e\u65e5\u671f\u662f5\u5e74\u5f8c\uff0c\u5229\u606f\u70ba5%\u3002\u4f60\u6bcf\u4e00\u5e74\u6703\u6536\u523050\u7f8e\u91d1\u7684\u50b5\u606f\uff0c\u70ba\u671f5\u5e74\u3002<\/p><p>\u5230\u4e86\u9084\u6b3e\u65e5\u671f\uff0c\u4f60\u5c31\u53ef\u4ee5\u53d6\u56de1000\u7f8e\u91d1\u7684\u672c\u91d1\u4e86\u3002<\/p><h4>\u6295\u8cc7\u50b5\u5238\u7684\u597d\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u98a8\u96aa\u8f03\u4f4e<\/strong><\/li><\/ol><p>\u5c31\u7b97\u80a1\u5e02\u6301\u7e8c\u8d70\u4f4e\uff0c\u7576\u50b5\u5238\u5230\u671f\u65e5\u4f86\u81e8\u7684\u6642\u5019\uff0c\u516c\u53f8\u4e00\u5b9a\u8981\u5c0d\u50b5\u6b0a\u4eba\u511f\u9084\u672c\u91d1\u548c\u5229\u606f\u3002\u6295\u8cc7\u4eba\u53ef\u4ee5\u6210\u529f\u907f\u958b\u516c\u53f8\u80a1\u50f9\u4e0b\u8dcc\u6240\u5e36\u4f86\u7684\u8667\u640d\u3002<\/p><ol start=\"2\"><li><strong>\u53ef\u9810\u6e2c\u7684\u6536\u76ca<\/strong><\/li><\/ol><p>\u5728\u8cfc\u8cb7\u50b5\u5238\u7684\u6642\u5019\uff0c\u50b5\u5238\u4e0a\u6703\u986f\u793a\u9762\u984d\u5229\u7387\uff0c\u4f60\u5c31\u80fd\u9810\u6e2c\u5230\u4f60\u7e3d\u5171\u80fd\u5920\u5f9e\u4e2d\u8cfa\u53d6\u591a\u5c11\u7684\u6536\u76ca\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1315\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u53ef\u4ee5\u9810\u6e2c.png\" alt=\"\u53ef\u4ee5\u9810\u6e2c\u7684\u6536\u76ca\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u53ef\u4ee5\u9810\u6e2c.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u53ef\u4ee5\u9810\u6e2c-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u53ef\u4ee5\u9810\u6e2c-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h4>\u6295\u8cc7\u50b5\u5238\u7684\u58de\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u5229\u606f\u8f03\u4f4e<\/strong><\/li><\/ol><p>\u96d6\u7136\u50b5\u5238\u7684\u5229\u606f\u6bd4\u5b9a\u5b58\u4f86\u5f97\u9ad8\uff0c\u4f46\u662f\u537b\u6bd4\u80a1\u7968\u4f86\u5f97\u4f4e\u3002\u82e5\u518d\u7b97\u4e0a\u901a\u8ca8\u81a8\u8139\u7387\uff0c\u90a3\u4f60\u771f\u6b63\u7372\u5f97\u7684\u5831\u916c\u5c31\u662f\u50c5\u50c5\u76841-3%\u3002<\/p><ol start=\"2\"><li><strong>\u7121\u6cd5\u5f9e\u80a1\u5e02\u4e0a\u6f32\u4e2d\u7372\u5229<\/strong><\/li><\/ol><p>\u5c31\u7b97\u516c\u53f8\u7684\u80a1\u7968\u5927\u6f32\uff0c\u4f60\u6240\u5f97\u5230\u7684\u5229\u606f\u4f9d\u7136\u662f\u50b5\u5238\u4e0a\u986f\u793a\u7684\u9762\u984d\u5229\u7387\u3002<\/p><h4>\u70ba\u4f55\u8667\u640d\uff1f<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u5230\u671f\u65e5\u524d\u8ce3\u51fa\u50b5\u5238<\/strong><\/li><\/ol><p>\u5982\u679c\u4f60\u5728\u5230\u671f\u65e5\u524d\u8ce3\u51fa\u50b5\u5238\uff0c\u6703\u5c0d\u4f60\u9020\u6210\u4e00\u4e9b\u7684\u8667\u640d\u3002<\/p><ol start=\"2\"><li><strong>\u516c\u53f8\u5012\u9589<\/strong><\/li><\/ol><p>\u5982\u679c\u767c\u884c\u50b5\u5238\u7684\u516c\u53f8\u5012\u9589\uff0c\u90a3\u9ebd\u4f60\u5c31\u7121\u6cd5\u7d22\u56de\u6295\u8cc7\u7684\u672c\u91d1\u4e86\u3002<\/p><p>\u4e00\u822c\u4e0a\uff0c\u516c\u53f8\u6240\u767c\u884c\u7684\u50b5\u5238\u6bd4\u653f\u5e9c\u6a5f\u69cb\u6240\u767c\u884c\u50b5\u5238\u7684\u98a8\u96aa\u4f86\u5f97\u9ad8\uff0c\u56e0\u70ba\u516c\u53f8\u6703\u6709\u5012\u9589\u7684\u98a8\u96aa\uff0c\u5728\u516c\u53f8\u7121\u6cd5\u76c8\u5229\u7684\u60c5\u6cc1\u4e0b\u53ef\u80fd\u4e5f\u7121\u6cd5\u767c\u653e\u50b5\u606f\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u57fa\u91d1 (Fund)<\/span><\/h3><h6>\u00a0<\/h6><p>\u5e74\u5316\u5831\u916c\uff1a8 &#8211; 10% \/ \u5e74 \uff08\u80a1\u7968\u578b\u57fa\u91d1\uff09<\/p><p>\u9577\u8a71\u77ed\u8aaa\uff0c\u6295\u8cc7\u57fa\u91d1\u5c31\u662f\uff0c\u7576\u4f60\u4e0d\u77e5\u9053\u61c9\u8a72\u8cb7\u54ea\u4e00\u53ea\u80a1\u7968\u624d\u597d\uff0c\u90a3\u4f60\u5c31\u627e\u500b\u6703\u6295\u8cc7\u7684\u4eba\u5e6b\u4f60\u8cb7\u80a1\u7968\u3002<\/p><p>\u4f60\u6240\u6295\u5165\u7684\u9322\u548c\u5176\u4ed6\u6295\u8cc7\u8005\u7684\u9322\u6703\u4ea4\u7531\u4e00\u500b\u5c08\u696d\u7684\u57fa\u91d1\u7d93\u7406\u4f86\u6295\u9032\u4ed6\u6240\u9078\u64c7\u7684\u80a1\u7968\u7d44\u5408\u4e2d\u3002\u8cfc\u8cb7\u57fa\u91d1\u5c31\u610f\u5473\u8457\u4f60\u8cfc\u8cb7\u4e86\u5341\u53ea\u3001\u751a\u81f3\u767e\u53ea\u80a1\u7968\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1316\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8cb7\u5165\u5f88\u591a\u4e0d\u540c\u7684\u80a1\u7968.png\" alt=\"\u8cfc\u8cb7\u57fa\u91d1\u5c31\u610f\u5473\u8457\u4f60\u8cfc\u8cb7\u4e86\u5341\u53ea\u3001\u751a\u81f3\u767e\u53ea\u80a1\u7968\u3002\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8cb7\u5165\u5f88\u591a\u4e0d\u540c\u7684\u80a1\u7968.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8cb7\u5165\u5f88\u591a\u4e0d\u540c\u7684\u80a1\u7968-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8cb7\u5165\u5f88\u591a\u4e0d\u540c\u7684\u80a1\u7968-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u57fa\u91d1\u4e5f\u4e0d\u662f\u53ea\u6709\u80a1\u7968\u578b\u57fa\u91d1\uff0c\u5b83\u4e5f\u53ef\u4ee5\u662f\u50b5\u5238\u578b\u57fa\u91d1\u3001\u8ca8\u5e63\u578b\u57fa\u91d1\u3001\u8cb4\u91d1\u5c6c\u57fa\u91d1\u7b49\u7b49\u3002<\/p><h4>\u57fa\u91d1\u7684\u7b97\u6cd5<\/h4><h6>\u00a0<\/h6><p>\u5047\u8a2d\u57fa\u91d1A\u57282000\u5e74\u7684\u50f9\u683c\u70ba10\u7f8e\u91d1\uff0c\u4f60\u5728\u9019\u500b\u6642\u5019\u6295\u8cc7\u4e86\u57fa\u91d1A\u3002<\/p><p>10\u5e74\u5f8c\uff0c\u4e5f\u5c31\u662f2010\u5e74\uff0c\u57fa\u91d1A\u7684\u50f9\u683c\u70ba20\u7f8e\u91d1\u3002\u4f60\u5728\u9019\u500b\u6642\u5019\u8ce3\u51fa\uff0c\u5728\u9084\u672a\u6263\u9664\u901a\u8ca8\u81a8\u8139\u7387\u3001\u624b\u7e8c\u8cbb\u3001\u7ba1\u7406\u8cbb\u53ca\u92b7\u552e\u8cbb\u7b49\u7b49\u7684\u60c5\u6cc1\u4e0b\uff0c\u4f60\u80fd\u5920\u7372\u5229100%\u3002<\/p><h4>\u6295\u8cc7\u57fa\u91d1\u7684\u597d\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u98a8\u96aa\u4f4e<\/strong><\/li><\/ol><p>\u80a1\u7968\u578b\u57fa\u91d1\u542b\u6709\u6578\u5341\u53ea\u80a1\u7968\uff0c\u6295\u5165\u7684\u8cc7\u91d1\u4e5f\u5206\u6563\u5728\u9019\u4e9b\u80a1\u7968\u4e2d\u3002\u7576\u4e00\u4e9b\u80a1\u7968\u4e0b\u8dcc\u7684\u6642\u5019\uff0c\u5176\u5b83\u4e0a\u6f32\u7684\u80a1\u50f9\u53ef\u4ee5\u62b5\u6d88\u8667\u640d\uff0c\u4e0d\u6703\u9020\u6210\u5de8\u5927\u7684\u8667\u640d\u3002<\/p><ol start=\"2\"><li><strong>\u7bc0\u7701\u6642\u9593<\/strong><\/li><\/ol><p>\u4f60\u4e0d\u5fc5\u82b1\u6642\u9593\u53bb\u7814\u7a76\u516c\u53f8\u7684\u8ca1\u52d9\u5831\u8868\u3001\u4e0d\u5fc5\u8ffd\u8e64\u5e02\u5834\u8cc7\u8a0a\u3001\u4e0d\u5fc5\u7169\u60f1\u61c9\u8a72\u8cfc\u8cb7\u54ea\u53ea\u80a1\u7968\uff0c\u56e0\u70ba\u9019\u4e9b\u4e8b\u60c5\u90fd\u7531\u57fa\u91d1\u7d93\u7406\u70ba\u4f60\u4ee3\u52de\u4e86\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1317\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7bc0\u7701\u6642\u9593.png\" alt=\"\u8cfc\u8cb7\u57fa\u91d1\u53ef\u4ee5\u7bc0\u7701\u7814\u7a76\u80a1\u7968\u7684\u6642\u9593\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7bc0\u7701\u6642\u9593.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7bc0\u7701\u6642\u9593-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7bc0\u7701\u6642\u9593-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h4>\u6295\u8cc7\u57fa\u91d1\u7684\u58de\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u6602\u8cb4\u7684\u8cbb\u7528<\/strong><\/li><\/ol><p>\u8cfc\u8cb7\u57fa\u91d1\u9700\u8981\u652f\u4ed8\u5404\u7a2e\u8cbb\u7528\uff0c\u5982\u624b\u7e8c\u8cbb\u3001\u7ba1\u7406\u8cbb\u3001\u8f49\u63db\u8cbb\u7b49\u7b49\u3002\u5982\u679c\u57fa\u91d1\u51fa\u73fe\u4e86\u8667\u640d\uff0c\u90a3\u4f60\u9084\u662f\u9700\u8981\u652f\u4ed8\u9019\u4e9b\u8cbb\u7528\u3002<\/p><ol start=\"2\"><li><strong>\u964d\u4f4e\u6295\u8cc7\u672c\u91d1<\/strong><\/li><\/ol><p>\u5047\u8a2d\u4f60\u6295\u8cc7\u4e86$100\uff0c\u4f46\u662f\u7531\u65bc\u4f60\u9700\u8981\u5148\u4ed8 0 &#8211; 5%\u7684\u92b7\u552e\u8cbb\uff0c\u5c0e\u81f4\u4f60\u5728\u9084\u6c92\u958b\u59cb\u8cfa\u9322\u7684\u6642\u5019\uff0c\u5c31\u5df2\u7d93\u5148\u8667\u640d\u4e86\u3002<\/p><p>\u5047\u8a2d\u4f60\u7d66\u4e865%\u7684\u92b7\u552e\u8cbb\uff0c\u4f60\u5c31\u5269\u4e0b$95\u7684\u672c\u91d1\u3002\u5982\u679c\u4f60\u8981\u5f9e$95\u56de\u5347\u5230$100\uff0c\u5247\u9700\u89815.27%<\/p><ol start=\"3\"><li><strong>\u9700\u8981\u9577\u671f\u6301\u6709\u624d\u80fd\u7372\u5229<\/strong><\/li><\/ol><p>\u540c\u4e00\u500b\u6642\u671f\uff0c\u57fa\u91d1\u4e2d\u4e00\u4e9b\u80a1\u7968\u4e0a\u6f32\uff0c\u4e00\u4e9b\u80a1\u7968\u4e0b\u8dcc\uff0c\u5c0e\u81f4\u57fa\u91d1\u7684\u6574\u9ad4\u8868\u73fe\u4e0d\u6703\u4e0a\u6f32\u5f97\u592a\u591a\uff0c\u4e5f\u4e0d\u6703\u8667\u640d\u5f97\u592a\u5927\u3002<\/p><p>\u9019\u6a23\u4e00\u4f86\uff0c\u57fa\u91d1\u7684\u589e\u9577\u9700\u8981\u4e00\u6bb5\u8f03\u9577\u6642\u9593\u624d\u80fd\u88ab\u9ad4\u73fe\u51fa\u4f86\u3002<\/p><h4>\u4e0d\u60f3\u652f\u4ed8\u8cfc\u8cb7\u57fa\u91d1\u7684\u8cbb\u7528\uff0c\u4f46\u662f\u537b\u60f3\u6295\u8cc7\u57fa\u91d1\uff1f<\/h4><h6>\u00a0<\/h6><p>\u90a3\u4f60\u53ef\u4ee5\u8003\u616e\u6295\u8cc7ETF (Exchange Traded Fund)\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"435\" class=\"wp-image-1318\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF-1.png\" alt=\"\u6295\u8cc7ETF\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF-1.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF-1-300x167.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/ETF-1-768x428.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>ETF\u662f\u4ea4\u6613\u578b\u6307\u6578\u57fa\u91d1\u3002\u5b83\u662f\u6839\u64da\u6bd4\u4f8b\u8cfc\u8cb7\u80a1\u7968\u6307\u6578\u3001\u50b5\u5238\u6307\u6578\u6216\u8cb4\u91d1\u5c6c\u6307\u6578\u7684\u6210\u5206\u80a1\u3002<\/p><p>\u6211\u5011\u4ee5\u6a19\u6e96\u666e\u723e500\u6307\u6578 (S&amp;P 500)\u4f5c\u70ba\u4f8b\u5b50\u3002\u5047\u8a2d\u4eca\u5929\u4f60\u8cfc\u8cb7\u4e86\u6a19\u6e96\u666e\u723e500\u6307\u6578\u57fa\u91d1\uff0c\u5c31\u610f\u5473\u8457\u4f60\u8cfc\u8cb7\u4e86\u6a19\u6e96\u666e\u723e500\u6307\u6578\u6240\u6709\u7684500\u53ea\u6210\u5206\u80a1\u3002<\/p><h4>ETF\u7684\u597d\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u6295\u8cc7\u6210\u672c\u8f03\u4f4e<\/strong><\/li><\/ol><p>ETF\u4e0d\u9700\u8981\u57fa\u91d1\u7d93\u7406\u7684\u7ba1\u7406\uff0c\u5e6b\u52a9\u6211\u5011\u7701\u4e0b\u4e00\u5927\u7b46\u624b\u7e8c\u8cbb\u548c\u7ba1\u7406\u8cbb\u3002<\/p><ol start=\"2\"><li><strong>\u9ad8\u900f\u660e\u5316<\/strong><\/li><\/ol><p>\u7531\u65bcETF\u6295\u8cc7\u7684\u662f\u6307\u6578\uff0c\u6295\u8cc7\u4eba\u53ef\u4ee5\u76f4\u63a5\u4e0a\u7db2\u67e5\u8a62\u6307\u6578\u7684\u6210\u5206\u80a1\u53ca\u5176\u5360\u6bd4\uff0c\u5e76\u4e14\u505a\u51fa\u9069\u7576\u7684\u9810\u6e2c\u53ca\u6295\u8cc7\u6c7a\u7b56\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u623f\u5730\u7522 (Property)<\/span><\/h3><h6>\u00a0<\/h6><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1319\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u623f\u5730\u7522.png\" alt=\"\u6295\u8cc7\u5728\u623f\u5730\u7522\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u623f\u5730\u7522.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u623f\u5730\u7522-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6295\u8cc7\u623f\u5730\u7522-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u9577\u8a71\u77ed\u8aaa\uff0c\u6295\u8cc7\u623f\u5730\u7522\u6709\u5169\u7a2e\u6a21\u5f0f\uff1a<\/p><ol><li>\u4f60\u8cb7\u4e86\u4e00\u9593\u623f\u5b50\uff0c5\u5e74\u5f8c\uff0c\u623f\u5b50\u7684\u50f9\u9322\u6f32\u4e8620%\uff0c\u4f60\u8ce3\u51fa\u623f\u5b50\u5f8c\u5c31\u80fd\u8cfa\u53d620%\u7684\u5dee\u50f9\u3002<\/li><li>\u4f60\u4ed8\u4e86\u9996\u4ed8\uff0c\u8cb7\u4e86\u4e00\u9593\u623f\u5b50\uff0c\u628a\u623f\u9593\u79df\u7d66\u4e865\u500b\u4eba\u3002\u6bcf\u500b\u6708\u7684\u623f\u79df\u80fd\u5920\u8ca0\u64d4\u623f\u8cb8\uff0c\u9084\u6709\u591a\u51fa\u7684\u9322\u3002\u79df\u5ba2\u6240\u7d66\u7684\u79df\u91d1\u80fd\u5920\u5e6b\u4f60\u4ed8\u6e05\u623f\u8cb8\u3002\u9019\u5c31\u7b49\u65bc\u4f60\u4ee5\u9996\u4ed8\u7684\u9322\uff0c\u76f4\u63a5\u8cb7\u4e86\u4e00\u500b\u623f\u5b50\u3002<\/li><\/ol><h4>\u6295\u8cc7\u623f\u5730\u7522\u7684\u56de\u5831\u7b97\u6cd5<\/h4><h6>\u00a0<\/h6><p>\u9019\u88e1\u6240\u8ac7\u8ad6\u7684\u662f\u901a\u904e\u79df\u91d1\u8cfa\u53d6\u5831\u916c\u7684\u623f\u5730\u7522\u6295\u8cc7\u3002\u5728\u8a08\u7b97\u4e4b\u524d\uff0c\u4f60\u5fc5\u9808\u5148\u627e\u51fa\u4ee5\u4e0b\u9805\u76ee\u7684\u6578\u64da\uff1a<\/p><p><strong>\u5168\u5e74\u79df\u91d1\u6536\u76ca<\/strong>\uff1a\u6bcf\u6708\u7684\u79df\u91d1 x 12<\/p><p><strong>\u5168\u5e74\u958b\u652f<\/strong>\uff1a\u623f\u8cb8\u5229\u606f\u3001\u7dad\u4fee\u8207\u4fdd\u990a\u8cbb\u7528\u3001\u4fdd\u96aa\u3001\u7269\u696d\u7ba1\u7406\u8cbb\u3001\u5ee3\u544a\u8cbb\u3001\u9580\u724c\u7a05\u3001\u79df\u91d1\u5728\u7a7a\u7f6e\u671f\u9593\u7684\u640d\u5931\u7b49\u7b49<\/p><p><strong>\u8cb7\u623f\u7e3d\u6210\u672c<\/strong>\uff1a\u623f\u5b50\u7684\u5e02\u50f9\u3001\u8cb8\u6b3e\u6210\u672c\u3001\u5370\u82b1\u7a05\u3001\u5f8b\u5e2b\u8cbb\u7b49\u7b49<\/p><p><strong>\u56de\u5831\u7b97\u6cd5<\/strong> = [ (\u5168\u5e74\u79df\u91d1\u6536\u76ca &#8211; \u5168\u5e74\u958b\u652f) \/ \u8cb7\u623f\u7e3d\u6210\u672c ] x 100<\/p><p>\uff08\u7b97\u6cd5\u53d6\u81ea<a href=\"https:\/\/www.propsocial.my\/topic\/1238\/chinese\/malaysia-property-investment-5-ways-to-make-money-from-real-estate-posted-by-propsocial-editor\" target=\"_blank\" rel=\"noreferrer noopener\">Propsocial<\/a>\uff09<\/p><h4>\u6295\u8cc7\u623f\u5730\u7522\u7684\u597d\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u8cb7\u4e86\u53ef\u4ee5\u81ea\u5df1\u4f4f<\/strong><\/li><\/ol><p>\u8cb7\u4e0b\u7684\u623f\u5b50\u662f\u81ea\u5df1\u548c\u5bb6\u4eba\u7684\u907f\u98a8\u6e2f\uff0c\u8b93\u6211\u5011\u53ef\u4ee5\u6709\u4e00\u500b\u5b89\u5168\u8212\u9069\u7684\u5730\u65b9\u751f\u6d3b\u3002<\/p><ol start=\"2\"><li><strong>\u88ab\u52d5\u6536\u5165<\/strong><\/li><\/ol><p>\u5982\u679c\u4f60\u5c07\u623f\u9593\u51fa\u79df\uff0c\u6bcf\u500b\u6708\u53ef\u4ee5\u6536\u53d6\u79df\u91d1\uff0c\u5275\u9020\u591a\u4e00\u4efd\u6536\u5165\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"441\" class=\"wp-image-1321\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6536\u53d6\u79df\u91d1.png\" alt=\"\u628a\u623f\u9593\u51fa\u79df\uff0c\u6bcf\u500b\u6708\u53ef\u4ee5\u6536\u53d6\u79df\u91d1\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6536\u53d6\u79df\u91d1.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6536\u53d6\u79df\u91d1-300x170.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6536\u53d6\u79df\u91d1-768x434.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h4>\u6295\u8cc7\u623f\u5730\u7522\u7684\u58de\u8655<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u6d41\u52d5\u6027\u4f4e<\/strong><\/li><\/ol><p>\u5982\u679c\u4f60\u7a81\u7136\u6025\u9700\u7528\u9322\uff0c\u4f60\u5e76\u4e0d\u80fd\u5728\u77ed\u6642\u9593\u5185\u628a\u623f\u5b50\u8ce3\u6389\u5957\u73fe\uff0c\u56e0\u70ba\u623f\u5c4b\u4e2d\u4ecb\u4e5f\u9700\u8981\u82b1\u6642\u9593\u5c0b\u627e\u8cb7\u5bb6\u6216\u79df\u6236\u3002\u4f46\u662f\uff0c\u4f60\u4e5f\u53ef\u4ee5\u9078\u64c7\u628a\u623f\u5b50\u62b5\u62bc\u7d66\u9280\u884c\u5957\u73fe\uff0c\u904e\u5f8c\u518d\u7e7c\u7e8c\u4f9b\u623f\u5b50\u3002<\/p><ol start=\"2\"><li><strong>\u984d\u5916\u7684\u8cbb\u7528<\/strong><\/li><\/ol><p>\u623f\u5b50\u4f4f\u4e45\u4e86\uff0c\u96e3\u514d\u6703\u51fa\u73fe\u5c4b\u9802\u6f0f\u6c34\u3001\u6c34\u7ba1\u5835\u585e\u3001\u767d\u87fb\u4fb5\u8755\u7b49\u7b49\u7684\u554f\u984c\u3002\u9019\u4e9b\u554f\u984c\u90fd\u9700\u8981\u82b1\u4e00\u7b46\u8cbb\u7528\uff0c\u8acb\u5c08\u696d\u4eba\u58eb\u4f86\u89e3\u6c7a\u3002<\/p><h4>\u70ba\u4f55\u8667\u640d\uff1f<\/h4><h6>\u00a0<\/h6><ol><li><strong>\u623f\u5730\u7522\u8dcc\u50f9<\/strong><\/li><\/ol><p>\u4e00\u4e9b\u623f\u5730\u7522\u7531\u65bc\u4f4d\u7f6e\u4e0d\u4f73\u3001\u4ea4\u901a\u4e0d\u4fbf\u3001\u5468\u570d\u5efa\u7acb\u4e86\u5de5\u5ee0\u3001\u4f9b\u5927\u65bc\u6c42\u7684\u56e0\u7d20\uff0c\u800c\u5c0e\u81f4\u50f9\u683c\u4e0b\u8dcc\u7684\u554f\u984c\u3002<\/p><ol start=\"2\"><li><strong>\u7121\u6cd5\u51fa\u79df<\/strong><\/li><\/ol><p>\u8cb7\u4e86\u5e7e\u9593\u623f\u5b50\u60f3\u51fa\u79df\uff0c\u537b\u56e0\u70ba\u4e00\u76f4\u6c92\u6709\u79df\u5ba2\u79df\u4e0b\uff0c\u6295\u8cc7\u8005\u6bcf\u500b\u6708\u5c31\u5fc5\u9808\u88ab\u623f\u8cb8\u58d3\u5f97\u5598\u4e0d\u904e\u6c23\u3002<\/p><h2><span style=\"color: #3b7abb;\">\u7e3d\u7d50<\/span><\/h2><h6>\u00a0<\/h6><p>\u5c0d\u9019\u4e9b\u91d1\u878d\u5546\u54c1\u6709\u4e86\u57fa\u672c\u7684\u8a8d\u8b58\uff0c\u4f60\u5c31\u53ef\u4ee5\u627e\u51fa\u4f60\u6bd4\u8f03\u611f\u8208\u8da3\u7684\u4f86\u9032\u884c\u6df1\u5165\u7684\u7814\u7a76\u3002<\/p><p>\u4f60\u53ef\u4ee5\u900f\u904e\u95b1\u8b80<a href=\"https:\/\/rich01.com\/blog-page_30\/\" target=\"_blank\" rel=\"noopener\">\u4e00\u7cfb\u5217\u7684\u66f8\u7c4d<\/a>\u3001\u89c0\u770b<a href=\"https:\/\/valueinmind.co\/different-investment-options-for-beginners\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8996\u983b<\/a>\u3001\u53c3\u52a0<a href=\"https:\/\/valueinmind.co\/zh\/courses\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8ab2\u7a0b<\/a>\u7b49\u7b49\u7684\u65b9\u5f0f\u4f86\u7814\u7a76\u4f60\u611f\u8208\u8da3\u7684\u91d1\u878d\u5546\u54c1\u3002<\/p><p>\u8acb\u8b39\u8a18\uff0c\u4e0d\u7ba1\u5e02\u5834\u597d\u9084\u662f\u4e0d\u597d\uff0c\u4e0d\u7ba1\u5225\u4eba\u600e\u9ebd\u8aaa\uff1b\u4e0d\u719f\u6089\u7684\u6771\u897f\uff0c\u5343\u842c\u4e0d\u8981\u78b0\u3002<\/p><pre>\u5ef6\u4f38\u95b2\u8b80\uff1a<a href=\"https:\/\/valueinmind.co\/invest-yourself-or-with-the-help-of-experts\/\" target=\"_blank\" rel=\"noopener\">\u6295\u8cc7\u81ea\u5df1\u4f86\uff0c\u9084\u662f\u4ea4\u7d66\u6295\u8cc7\u5c08\u5bb6\u6bd4\u8f03\u597d\uff1f<\/a><\/pre><h2><span style=\"color: #3b7abb;\">\u514d\u8cac\u8072\u660e<\/span><\/h2><h6>\u00a0<\/h6><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>[tqb_quiz id=&#8217;1482&#8242;]<\/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 \u201c\u6295\u8cc7\u201d\u9019\u4e00\u500b\u8a5e\u532f\uff0c\u807d\u8d77\u4f86\u5c31\u597d\u50cf\u548c\u201c\u5f88\u591a\u9322\u201d\u3001\u201c\u5f88\u5bb9\u6613\u5c31\u8667\u9322\u201d\u3001\u201c\u80a1 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":14782,"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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