{"id":31780,"date":"2022-01-17T12:06:31","date_gmt":"2022-01-17T04:06:31","guid":{"rendered":"https:\/\/valueinmind.co\/?p=31780"},"modified":"2023-08-24T15:42:41","modified_gmt":"2023-08-24T07:42:41","slug":"create-financial-plan","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/create-financial-plan\/","title":{"rendered":"\u5236\u5b9a\u500b\u4eba\u7406\u8ca1\u898f\u5283\u76845\u500b\u6b65\u9a5f\uff5c\u5c0f\u8cc7\u65cf\u7406\u8ca1\u898f\u5283\u6307\u5357"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31780\" class=\"elementor elementor-31780\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c4f0a95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c4f0a95\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div 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tabindex=\"0\" aria-controls=\"elementor-toc__95e5528\" 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__95e5528\" 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-44e7dbd content elementor-widget elementor-widget-text-editor\" data-id=\"44e7dbd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><strong style=\"color: #282364; font-size: 30px;\"><br \/>\u7406\u8ca1\u898f\u5283 \u6b65\u9a5f1\uff1a\u5236\u5b9a\u8ca1\u52d9\u76ee\u6a19<\/strong><\/h2><figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-31791\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-setting-goals-1024x683.webp\" alt=\"\u7406\u8ca1\u898f\u5283 - \u8a2d\u5b9a\u8ca1\u52d9\u76ee\u6a19\" width=\"1024\" height=\"683\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-setting-goals-1024x683.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-setting-goals-300x200.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-setting-goals-768x512.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-setting-goals-1536x1024.webp 1536w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-setting-goals-2048x1365.webp 2048w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-setting-goals-610x407.webp 610w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>\u7576\u4e00\u500b\u4eba\u60f3\u8981\u958b\u59cb\u7406\u8ca1\u7684\u6642\u5019\uff0c\u4ed6\u5fc5\u5b9a\u6709\u60f3\u8981\u9054\u6210\u7684\u76ee\u6a19\u3002\u9019\u500b\u76ee\u6a19\u53ef\u4ee5\u662f\u8cfc\u8cb7\u4e00\u8f1b\u8eca\u3001\u5b58\u5230\u4eba\u751f\u7b2c\u4e00\u6876\u91d1\u3001\u751a\u81f3\u662f\u60f3\u8981\u9054\u6210\u8ca1\u52d9\u81ea\u7531\u3002<\/p><p>\u5728\u4f60\u5236\u5b9a\u8ca1\u52d9\u76ee\u6a19\u7684\u6642\u5019\uff0c\u4f60\u5fc5\u9808\u6e05\u695a\u9019\u500b\u76ee\u6a19\u7684\u6642\u9650\uff0c\u56e0\u70ba\u4e0d\u540c\u7684\u6642\u9650\u5c07\u6703\u6709\u4e0d\u540c\u7684\u505a\u6cd5\u53bb\u9054\u6210\u3002\u901a\u5e38\u76ee\u6a19\u7684\u6642\u9650\u5206\u70ba\u4e09\u7a2e\uff1a<strong>\u77ed\u671f\u76ee\u6a19\u3001\u4e2d\u671f\u76ee\u6a19\u548c\u9577\u671f\u76ee\u6a19<\/strong>\u3002<\/p><p><strong>\u77ed\u671f\u76ee\u6a19\uff1a<\/strong>\u4f60\u53ef\u4ee5\u5148\u60f3\u50cf\u81ea\u5df1\u60f3\u8981\u5728<strong>\u4e00\u5e74\u5167<\/strong>\u9054\u6210\u4ec0\u9ebc\u8ca1\u52d9\u76ee\u6a19\u3002\u5b83\u53ef\u4ee5\u662f\u7e73\u6e05\u67d0\u500b\u50b5\u52d9\u3001\u8cfc\u8cb7\u67d0\u500b\u6602\u8cb4\u7684\u7269\u54c1\u3001\u5c0f\u65c5\u884c\u3001\u6216\u63d0\u9ad8\u81ea\u5df1\u7684\u5b58\u6b3e\u984d\u3002<\/p><p><strong>\u4e2d\u671f\u76ee\u6a19\uff1a<\/strong>\u4f60\u53ef\u4ee5\u8003\u616e\u81ea\u5df1\u672a\u4f86<strong>\u4e09\u5230\u4e94\u5e74<\/strong>\u6703\u9047\u5230\u6216\u7d93\u6b77\u7684\u4e8b\u60c5\uff0c\u7136\u5f8c\u5236\u5b9a\u5408\u9069\u7684\u76ee\u6a19\u7d66\u8a72\u4ef6\u4e8b\u3002\u4f8b\u5982\u4f60\u6253\u7b97\u5728\u4e09\u5e74\u5f8c\u8cfc\u8cb7\u623f\u5b50\uff0c\u90a3\u4f60\u4e5f\u9700\u8981\u8003\u91cf\u8cfc\u8cb7\u623f\u5c4b\u7684\u982d\u671f\u8cbb\u7528\u3001\u88dd\u4fee\u8cbb\u7528\u3001\u5bb6\u5177\u8cbb\u7528\u7b49\u7b49\u3002<\/p><p><strong>\u9577\u671f\u76ee\u6a19\uff1a<\/strong>\u9577\u671f\u76ee\u6a19\u901a\u5e38\u662f\u8a2d\u7acb\u7d66<strong>\u4e94\u5e74\u4ee5\u4e0a<\/strong>\uff0c\u672a\u4f86\u7684\u81ea\u5df1\u3002\u4f60\u5e0c\u671b\u9019\u6bb5\u6642\u9593\u7684\u81ea\u5df1\u53ef\u4ee5\u904e\u600e\u9ebc\u6a23\u7684\u751f\u6d3b\uff1f\u9084\u662f\u4f60\u5c0d\u9000\u4f11\u751f\u6d3b\u6709\u4ec0\u9ebc\u671f\u5f85\uff1f\u5982\u679c\u4f60\u60f3\u63d0\u65e9\u9000\u4f11\u7684\u8a71\uff0c\u53ef\u4ee5\u958b\u59cb\u8a08\u7b97\u81ea\u5df1\u9000\u4f11\u9700\u8981\u7684\u591a\u5c11\u8cc7\u91d1\u4f86\u7dad\u6301\u76ee\u524d\u6216\u66f4\u597d\u7684\u751f\u6d3b\u54c1\u8cea\u4e86\u3002<\/p><p>\u5728\u8a2d\u7acb\u76ee\u6a19\u4e4b\u524d\uff0c\u5927\u5bb6\u53ef\u4ee5\u53c3\u8003<a href=\"https:\/\/www.mindtools.com\/pages\/article\/smart-goals.htm\" target=\"_blank\" rel=\"noopener\">SMART\u76ee\u6a19\u7ba1\u7406\u6cd5\u5247<\/a>\u3002\u6839\u64da\u9019\u500b\u6cd5\u5247\u4f86\u5236\u5b9a\u76ee\u6a19\u7684\u8a71\uff0c\u6703\u8b93\u4f60\u66f4\u6709\u6548\u7387\u5730\u7ba1\u7406\u76ee\u6a19\u3002<strong>SMART\u4ee3\u8868\u7684\u662fSpecific\u3001Measurable\u3001Attainable\u3001Relevant\u548cTime-Bound\u3002<\/strong>\u5047\u8a2d\u6211\u60f3\u8981\u8cfc\u8cb7\u4e00\u9593\u5c0f\u516c\u5bd3\uff0c\u6211\u8a72\u5982\u4f55\u4f7f\u7528SMART\u6cd5\u5247\u4f86\u7ba1\u7406\u9019\u500b\u76ee\u6a19\u5462\uff1f<\/p><ul><li><strong>Specific\uff08\u660e\u78ba\u7684\uff09<\/strong>\u4ee3\u8868\u8a2d\u5b9a\u76ee\u6a19\u7684\u6642\u5019\u9700\u8981<strong>\u975e\u5e38\u5177\u9ad4<\/strong>\u3002\u9019\u6642\u6211\u53ef\u4ee5\u5148\u53bb\u770b\u623f\uff0c\u5c0b\u627e\u81ea\u5df1\u5fc3\u5100\u7684\u516c\u5bd3\uff0c\u78ba\u5b9a\u516c\u5bd3\u7684\u50f9\u9322\u3002<\/li><\/ul><ul><li><strong>Measurable\uff08\u53ef\u8861\u91cf\u7684\uff09<\/strong>\u4ee3\u8868\u76ee\u6a19\u9700\u8981<strong>\u53ef\u4ee5\u88ab\u8861\u91cf<\/strong>\uff0c\u9019\u6a23\u4f60\u7684\u76ee\u6a19\u6703\u66f4\u660e\u78ba\u3002\u9019\u6642\u6211\u53ef\u4ee5\u8a2d\u4e0b\u6211\u60f3\u5b58\u5230RM30,000\u7684\u8cfc\u5c4b\u982d\u671f\u9322\u7684\u76ee\u6a19\u3002<\/li><\/ul><ul><li><strong>Attainable\uff08\u53ef\u9054\u6210\u7684\uff09<\/strong>\u4ee3\u8868\u4f60\u6240\u5236\u5b9a\u7684\u76ee\u6a19\u5fc5\u9808\u662f<strong>\u53ef\u4ee5\u88ab\u5be6\u73fe\u7684<\/strong>\uff0c\u5207\u8a18\u4e0d\u8981\u4e0d\u5207\u5be6\u969b\u3002\u5047\u8a2d\u6211\u6bcf\u500b\u6708\u53ef\u4ee5\u5b58\u81f3\u5c11RM1000\uff0c\u9019\u662f\u6709\u53ef\u80fd\u53ef\u4ee5\u5b58\u5230RM30,000\u7684\u982d\u671f\u9322\u7684\u3002<\/li><\/ul><ul><li><strong>Relevant\uff08\u76f8\u95dc\u7684\uff09<\/strong>\u4ee3\u8868\u4f60\u8a2d\u5b9a\u7684\u76ee\u6a19\u9700\u8981<strong>\u548c\u5176\u4ed6\u76ee\u6a19\u6709\u6240\u95dc\u806f<\/strong>\uff0c\u610f\u7fa9\u624d\u6703\u6700\u5927\u5316\u3002\u5047\u8a2d\u6211\u4e00\u76f4\u90fd\u5f88\u60f3\u8981\u6709\u81ea\u5df1\u7684\u79c1\u4eba\u7a7a\u9593\uff0c\u4e5f\u60f3\u5229\u7528\u9019\u500b\u7a7a\u9593\u4f86\u5275\u696d\uff0c\u90a3\u8cfc\u8cb7\u4e00\u9593\u5c0f\u516c\u5bd3\u662f\u548c\u9019\u4e9b\u76ee\u6a19\u6709\u76f8\u95dc\u6027\u7684\u3002<\/li><\/ul><ul><li><strong>Time-bound\uff08\u6709\u6642\u9650\u7684\uff09<\/strong>\u4ee3\u8868\u76ee\u6a19\u9700\u8981<strong>\u8a2d\u5b9a\u6642\u9593\u7bc4\u570d<\/strong>\uff0c\u9019\u6a23\u624d\u80fd\u78ba\u4fdd\u6bcf\u500b\u76ee\u6a19\u90fd\u8981\u5728\u4e00\u500b\u671f\u9650\u5167\u5b8c\u6210\uff0c\u8b93\u4f60\u53ef\u4ee5\u5c08\u6ce8\u5728\u5b83\u7684\u8eab\u4e0a\u3002\u9019\u6642\u6211\u53ef\u4ee5\u8a2d\u4e0b\u6211\u60f3\u8981\u57283\u5e74\u5167\u8cfc\u8cb7\u5230\u4e00\u9593\u5c0f\u516c\u5bd3\u3002<\/li><\/ul><p>\u770b\u5b8c\u4ee5\u4e0a\u4f8b\u5b50\uff0c\u5927\u5bb6\u662f\u5426\u89ba\u5f97\u901a\u904eSMART\u6cd5\u5247\u8a2d\u7acb\u76ee\u6a19\u6703\u8b93\u76ee\u6a19\u66f4\u52a0\u6e05\u6670\u5462\uff1f<\/p><p>\u5728\u64c1\u6709\u6e05\u6670\u76ee\u6a19\u7684\u60c5\u6cc1\u4e0b\uff0c\u6703\u8b93\u4f60\u66f4\u52a0\u5bb9\u6613\u884c\u52d5\u4f86\u9054\u6210\u76ee\u6a19\u3002\u5982\u679c\u76ee\u6a19\u592a\u904e\u6a21\u7cca\uff0c\u53cd\u800c\u6703\u8b93\u4eba\u4e0d\u77e5\u5f9e\u4f55\u958b\u59cb\uff0c\u4e5f\u4e0d\u77e5\u5982\u4f55\u624d\u7b97\u662f\u9054\u6210\u76ee\u6a19\u4e86\u3002<\/p><h2><span style=\"color: #282364;\"><strong><br \/>\u7406\u8ca1\u898f\u5283 \u6b65\u9a5f2\uff1a\u5be9\u8996\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1<\/strong><\/span><\/h2><figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"alignnone wp-image-31793\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-evaluate-financial-1024x683.webp\" alt=\"\u7406\u8ca1\u898f\u5283 - \u5be9\u8996\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\" width=\"1024\" height=\"683\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-evaluate-financial-1024x683.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-evaluate-financial-300x200.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-evaluate-financial-768x512.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-evaluate-financial-1536x1024.webp 1536w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-evaluate-financial-2048x1365.webp 2048w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-evaluate-financial-610x407.webp 610w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>\u5236\u5b9a\u8ca1\u52d9\u76ee\u6a19\u5f8c\uff0c\u5927\u5bb6\u53ef\u4ee5\u5148\u5be9\u8996\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\u3002<\/p><p>\u4f60\u53ef\u4ee5\u5148<strong>\u89c0\u5bdf\u81ea\u5df1\u6bcf\u500b\u6708\u7684\u73fe\u91d1\u6d41<\/strong>\uff0c\u4e5f\u5c31\u662f\u7a69\u5b9a\u53ca\u6301\u7e8c\u7684\u73fe\u91d1\u6d41\u5165\u6216\u6d41\u51fa\u3002\u63a5\u8457\uff0c\u4f60\u53ef\u4ee5\u5f9e\u4e2d<strong>\u7d00\u9304\u6bcf\u500b\u6708\u7684\u56fa\u5b9a\u6536\u5165\u4f86\u6e90\uff0c\u9084\u6709\u56fa\u5b9a\u7684\u958b\u92b7\u9805\u76ee<\/strong>\u3002\u6b64\u5916\uff0c\u4f60\u4e5f\u53ef\u4ee5<strong>\u7559\u5fc3\u6bcf\u500b\u81e8\u6642\u652f\u51fa<\/strong>\uff0c\u56e0\u70ba\u5b83\u5011\u6703\u70ba\u4f60\u7684\u9000\u4f11\u8a08\u756b\u5e36\u4f86\u4e9b\u8a31\u5f71\u97ff\u3002\u53ea\u8981\u641e\u6e05\u695a\u5b83\u5011\u662f\u6301\u7e8c\u958b\u92b7\u3001\u9084\u662f\u53ea\u662f\u4e00\u6b21\u6027\u7684\u610f\u5916\u958b\u92b7\uff0c\u4f60\u5c31\u53ef\u4ee5\u5728\u8a08\u756b\u8981\u591a\u5c11\u7684\u9000\u4f11\u91d1\u6642<strong>\u505a\u4e00\u9ede\u7de9\u885d\u8a08\u7b97<\/strong>\u3002<\/p><p>\u7576\u4f60\u8a08\u7b97\u597d\u7e3d\u6536\u5165\u548c\u7e3d\u958b\u92b7\u5f8c\uff0c\u4f60\u53ef\u4ee5\u628a\u7e3d\u6536\u5165\u6e1b\u53bb\u7e3d\u958b\u92b7\u3002\u5982\u679c\u7b54\u6848\u662f\u6b63\u6578\u7684\u8a71\uff0c\u90a3\u5c31\u4ee3\u8868\u4f60\u6bcf\u500b\u6708\u90fd\u6709\u9918\u9322\u53ef\u4ee5\u62ff\u53bb\u5b58\u6216\u662f\u6295\u8cc7\uff1b\u5982\u679c\u7b54\u6848\u662f\u96f6\u7684\u8a71\uff0c\u90a3\u5c31\u4ee3\u8868\u4f60\u662f\u4e00\u500b\u6708\u5149\u65cf\uff0c\u751f\u6d3b\u8655\u5728\u5920\u7528\u7684\u60c5\u6cc1\uff0c\u4f46\u53ea\u8981\u958b\u92b7\u591a\u4e00\u9ede\u4f60\u5c31\u6703\u6c92\u8fa6\u6cd5\u62ff\u51fa\u9322\u4e86\uff1b\u5982\u679c\u7b54\u6848\u662f\u8ca0\u6578\u7684\u8a71\uff0c\u90a3\u5c31\u4ee3\u8868\u4f60\u53ef\u80fd\u8655\u5728\u9677\u5165\u50b5\u52d9\u7684\u56f0\u5883\u4e2d\u3002<\/p><p>\u5728\u5f97\u5230\u4e86\u7b54\u6848\u5f8c\uff0c\u4f60\u5c31\u6703\u4e86\u89e3\u81ea\u5df1\u76ee\u524d\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c<strong>\u505a\u51fa\u4e00\u4e9b\u958b\u6e90\u7bc0\u6d41\u7684\u8abf\u6574\uff0c\u79fb\u9664\u4e0d\u5fc5\u8981\u7684\u82b1\u8cbb<\/strong>\u3002<\/p><p><strong>\u6700\u597d\u4e86\u89e3\u81ea\u5df1\u8ca1\u52d9\u72c0\u6cc1\u7684\u65b9\u6cd5\u662f\u8a18\u5e33\u3002<a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-accounting-handbook\/\">\u8d95\u7dca\u9818\u53d6\u4eca\u5e74\u6700\u65b0\u7684\u300a\u6700\u5168\u8a18\u8cec\u672c\u300b\uff0c\u6559\u4f60\u5982\u4f55\u505a\u597d\u7406\u8ca1\u898f\u5283\uff0c\u907f\u958b\u4e0d\u5fc5\u8981\u7684\u82b1\u8cbb\uff01<\/a><\/strong><\/p><p>\u00a0<\/p><h2><span style=\"color: #282364;\"><strong>\u7406\u8ca1\u898f\u5283 \u6b65\u9a5f3\uff1a\u505a\u597d\u7406\u8ca1\u57fa\u790e<\/strong><\/span><\/h2><figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"alignnone wp-image-31795\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-risk-management-1024x683.webp\" alt=\"\u7406\u8ca1\u898f\u5283 - \u505a\u597d\u7406\u8ca1\u57fa\u790e\" width=\"1024\" height=\"683\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-risk-management-1024x683.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-risk-management-300x200.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-risk-management-768x512.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-risk-management-1536x1024.webp 1536w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-risk-management-2048x1365.webp 2048w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-risk-management-610x407.webp 610w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>\u5728\u9019\u500b\u6b65\u9a5f\u88e1\uff0c\u6211\u5c07\u6703\u544a\u8a34\u5927\u5bb6\u7406\u8ca1\u5165\u9580\u65b0\u624b\u9700\u8981\u505a\u597d\u7684\u7406\u8ca1\u57fa\u790e\u3002<\/p><p><strong>\u7b2c\u4e00\uff0c\u5b58\u597d\u7dca\u6025\u5132\u5099\u91d1\u3002<\/strong><\/p><p>\u7dca\u6025\u5132\u5099\u91d1\u6307\u7684\u662f\u4e00\u7b46\u53ef\u4ee5\u7528\u4f86<strong>\u61c9\u4ed8\u7dca\u6025\u60c5\u6cc1\u7684\u6d41\u52d5\u8cc7\u91d1<\/strong>\u3002\u5728\u6211\u5011\u7684\u4eba\u751f\u7576\u4e2d\uff0c\u96a8\u6642\u90fd\u53ef\u80fd\u767c\u751f\u4e00\u4e9b\u610f\u5916\u6216\u7dca\u6025\u72c0\u6cc1\u3002\u5c24\u5176\u662f\u8fd1\u5e74\u4f86\u7684\u75ab\u60c5\uff0c\u5c0e\u81f4\u4e0d\u5c11\u4eba\u5931\u696d\uff0c\u5982\u679c\u9019\u6642\u5019\u6709\u4e00\u7b46\u7dca\u6025\u5132\u5099\u91d1\u53ef\u4ee5\u8b93\u4ed6\u5011\u61c9\u6025\u7684\u8a71\uff0c\u76f8\u4fe1\u53ef\u4ee5\u6e1b\u7de9\u4ed6\u5011\u7684\u8ca1\u52d9\u58d3\u529b\u3002<\/p><p>\u90a3\u5b58\u591a\u5c11\u9322\u4f5c\u70ba\u7dca\u6025\u5132\u5099\u91d1\u624d\u7b97\u662f\u8db3\u5920\u7684\u5462\uff1f\u4e00\u822c\u63a8\u85a6\u6700\u597d\u662f<strong>\u81f3\u5c11\u4e09\u500b\u6708\u7684\u751f\u6d3b\u8cbb<\/strong>\uff0c\u4f46\u9084\u662f\u9700\u8981\u6839\u64da\u5927\u5bb6\u7684\u80fd\u529b\u8207\u9700\u6c42\u53bb\u505a\u6c7a\u5b9a\u3002<\/p><p>\u5982\u679c\u4f60\u5b58\u4e86\u4e09\u500b\u6708\u7684\u751f\u6d3b\u8cbb\u4f5c\u70ba\u7dca\u6025\u5132\u5099\u91d1\uff0c\u90a3\u7576\u4f60\u5931\u53bb\u5de5\u4f5c\u7684\u6642\u5019\uff0c\u4f60\u9084\u6709\u4e09\u500b\u6708\u7684\u6642\u9593\u7dad\u6301\u76ee\u524d\u7684\u751f\u6d3b\u54c1\u8cea\uff0c\u4e5f\u53ef\u4ee5\u8d81\u6a5f\u5c0b\u627e\u65b0\u5de5\u4f5c\uff1b\u5982\u679c\u4f60\u5b58\u4e86\u534a\u5e74\u7684\u751f\u6d3b\u8cbb\u4f5c\u70ba\u7dca\u6025\u5132\u5099\u91d1\uff0c\u90a3\u4f60\u7121\u6cd5\u5de5\u4f5c\u5f8c\u9084\u6703\u6709\u516d\u500b\u6708\u7684\u6642\u9593\u4f11\u606f\u3002<\/p><p>\u9019\u5c31\u662f\u7dca\u6025\u5132\u5099\u91d1\u7684\u7528\u8655\u3002<\/p><p><strong>\u7b2c\u4e8c\uff0c\u8cb7\u597d\u4fdd\u96aa\u3002<\/strong><\/p><p>\u8cfc\u8cb7\u4fdd\u96aa\u5176\u5be6\u4e5f\u662f\u7406\u8ca1\u4e2d\u91cd\u8981\u7684\u4e00\u74b0\u3002\u5982\u4eca\u7684<a href=\"https:\/\/www.chinatimes.com\/hottopic\/20210628001885-260809?chdtv\" target=\"_blank\" rel=\"noopener\">\u91ab\u85e5\u8cbb\u975e\u5e38\u9f90\u5927<\/a>\uff0c\u4fdd\u5065\u85e5\u54c1\u90fd\u975e\u5e38\u8cb4\uff0c\u5982\u679c\u6c92\u6709\u8cfc\u8cb7\u4fdd\u96aa\u7684\u8a71\uff0c\u9019\u4e9b\u8cbb\u7528\u53ef\u80fd\u6703\u8b93\u4eba\u9677\u5165\u8ca0\u50b5\u7576\u4e2d\uff01\u518d\u4f86\uff0c\u610f\u5916\u548c\u660e\u5929\uff0c\u6211\u5011\u90fd\u4e0d\u77e5\u9053\u54ea\u4e00\u500b\u5148\u4f86\uff0c\u5982\u679c\u610f\u5916\u4e0d\u5e78\u9020\u6210\u7576\u4e8b\u4eba\u6210\u70ba\u6b98\u75be\u4eba\u58eb\uff0c\u6c38\u9060\u7121\u6cd5\u5de5\u4f5c\uff0c\u90a3\u8a72\u7576\u4e8b\u4eba\u672a\u4f86\u7684\u751f\u6d3b\u8cbb\u8981\u600e\u9ebc\u8fa6\u5462\uff1f<\/p><p>\u6240\u4ee5\uff0c<strong>\u4fdd\u96aa\u5176\u5be6\u662f\u4e00\u7a2e\u4fdd\u8b77\u81ea\u5df1\u548c\u81ea\u5df1\u7684\u8ca1\u52d9\u7684\u7522\u54c1<\/strong>\u3002\u4f8b\u5982\u7576\u4f60\u4e0d\u5e78\u60a3\u75c5\uff0c\u9700\u8981\u5165\u4f4f\u91ab\u9662\u6642\uff0c\u4f60\u4e0d\u9700\u8981\u628a\u4f60\u7684\u5b58\u6b3e\u90fd\u737b\u51fa\u4f86\uff0c\u767d\u767d\u6d6a\u8cbb\u4e86\u5b58\u6b3e\u7684\u6642\u9593\uff0c\u4fdd\u96aa\u5c07\u6703\u70ba\u4f60\u4ed8\u8cbb\u3002<\/p><p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u7576\u4f60\u8cfc\u8cb7\u4fdd\u96aa\u6642\uff0c<strong>\u78ba\u4fdd\u4f60\u4e86\u89e3\u4fdd\u55ae\u7684\u5167\u5bb9<\/strong>\u3002\u9019\u662f\u56e0\u70ba\u4fdd\u55ae\u4e0a\u5176\u5be6\u90fd\u6703\u6e05\u695a\u5730\u5217\u660e\u5b83\u5728\u4ec0\u9ebd\u60c5\u6cc1\u4e0b\u6703\u8ce0\u9322\u548c\u4e0d\u6703\u8ce0\u9322\uff0c\u53ea\u6709\u4e86\u89e3\u4fdd\u96aa\uff0c\u4f60\u624d\u80fd\u907f\u514d\u88ab\u4fdd\u96aa\u4ee3\u7406\u6b3a\u9a19\u3002<\/p><p>\u5982\u679c\u4f60\u60f3\u8981\u4e86\u89e3\u61c9\u8a72\u5148\u8cfc\u8cb7\u4ec0\u9ebc\u4fdd\u96aa\uff0c\u53ef\u4ee5\u53c3\u8003\u300c<a href=\"https:\/\/valueinmind.co\/types-of-insurances-you-need\/\">\u8cb7\u4fdd\u96aa\u4e5f\u6709\u5148\u5f8c\u4e4b\u5206 | \u8cb7\u4fdd\u96aa\u7684\u9806\u5e8f\u6b63\u78ba\uff0c\u624d\u80fd\u7372\u5f97\u6700\u5927\u7684\u4fdd\u969c<\/a>\u300d\u3002<\/p><p>\u4ee5\u4e0a\u63d0\u5230\u7684\u5169\u7a2e\u7406\u8ca1\u65b9\u6cd5\uff0c\u5176\u5be6\u90fd\u662f\u4e00\u7a2e<strong>\u98a8\u96aa\u898f\u5283<\/strong>\uff0c\u5b83\u5011\u90fd\u5e6b\u52a9\u6211\u5011\u66f4\u597d\u5730\u8f49\u79fb\u98a8\u96aa\uff0c\u4ee5\u514d\u52d5\u7528\u5230\u6211\u5011\u7684\u8cc7\u7522\u3002<\/p><h2><span style=\"color: #282364;\"><strong><br \/>\u7406\u8ca1\u898f\u5283 \u6b65\u9a5f4\uff1a\u958b\u59cb\u5236\u5b9a\u500b\u4eba\u7406\u8ca1\u898f\u5283<\/strong><\/span><\/h2><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31798\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-planning-1024x683.webp\" alt=\"\u7406\u8ca1\u898f\u5283 - \u958b\u59cb\u5236\u5b9a\u7406\u8ca1\u898f\u5283\" width=\"1024\" height=\"683\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-planning-1024x683.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-planning-300x200.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-planning-768x512.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-planning-1536x1024.webp 1536w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-planning-2048x1365.webp 2048w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-planning-610x407.webp 610w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>\u505a\u597d\u4e86\u7406\u8ca1\u57fa\u790e\uff0c\u6211\u5011\u5c31\u53ef\u4ee5\u5f80\u6211\u5011\u7684\u8ca1\u52d9\u76ee\u6a19\u51fa\u767c\u3002<\/p><p>\u9996\u5148\uff0c\u6211\u5011\u9700\u8981<strong>\u4e86\u89e3\u73fe\u5be6\u8207\u7406\u60f3\u4e4b\u9593\u7684\u8ddd\u96e2<\/strong>\u3002\u5728\u7406\u8ca1\u898f\u5283\u6b65\u9a5f2\u7684\u6642\u5019\uff0c\u76f8\u4fe1\u4f60\u4e5f\u4e86\u89e3\u4e86\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u628a\u5b83\u548c\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\u505a\u500b\u6bd4\u5c0d\uff0c\u5169\u8005\u4e4b\u9593\u76f8\u5dee\u591a\u5c11\u5462\uff1f\u9019\u500b\u8ddd\u96e2\u76f8\u4fe1\u662f\u53ef\u4ee5\u901a\u904e<strong>\u63d0\u9ad8\u6536\u5165\u3001\u63d0\u9ad8\u5b58\u6b3e\u3001\u6e1b\u4f4e\u958b\u92b7<\/strong>\u89e3\u6c7a\u7684\u3002<\/p><p>\u90a3\u5230\u5e95\u8981\u5982\u4f55\u505a\u597d\u7406\u8ca1\u5206\u914d\u624d\u80fd\u9054\u5230\u8ca1\u52d9\u76ee\u6a19\u5462\uff1f<\/p><p>\u9019\u88e1\u63a8\u85a6\u6700\u7c21\u55ae\u7684\u7406\u8ca1\u65b9\u6cd5\u2014\u2014<a href=\"https:\/\/valueinmind.co\/6-jars-financial-management-system\/\">\u516d\u7f50\u5b50\u5b58\u9322\u6cd5<\/a>\u3002\u9019\u516d\u7f50\u5b50\u5206\u5225\u70ba\uff1a<\/p><ul><li><strong>\u751f\u6d3b\u5fc5\u9808\u5e33\u6236 (Necessity Account, 55%)<\/strong><\/li><\/ul><ul><li><strong>\u73a9\u6a02\u5e33\u6236 (Play Account, 10%)<\/strong><\/li><\/ul><ul><li><strong>\u8ca1\u52d9\u81ea\u7531\u5e33\u6236 (Financial Freedom Account, 10%)<\/strong><\/li><\/ul><ul><li><strong>\u6559\u80b2\u5e33\u6236 (Education Account, 10%)<\/strong><\/li><\/ul><ul><li><strong>\u9577\u671f\u5132\u84c4\u518d\u82b1\u6389\u5e33\u6236 (Long-Term Saving For Spending Account, 10%)<\/strong><\/li><\/ul><ul><li><strong>\u5949\u737b\u5e33\u6236 (Give Account, 5%)<\/strong><\/li><\/ul><p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/LUZlk3nGAeY\" width=\"560\" height=\"450\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p><p>\u7576\u4f60\u9818\u53d6\u4e86\u6bcf\u500b\u6708\u7684\u6536\u5165\u5f8c\uff0c\u4f60\u53ef\u4ee5\u8ddf\u96a8\u4ee5\u4e0a\u7684\u7f50\u5b50\u548c\u5176\u5df4\u4ed9\u7387\u9032\u884c\u5206\u914d\u3002\u4e0d\u904e\u5176\u5be6\u9019\u516d\u7f50\u5b50\u548c\u5b83\u7684\u5df4\u4ed9\u7387<strong>\u53ef\u4ee5\u6839\u64da\u4f60\u7684\u9700\u6c42\u6539\u8b8a<\/strong>\uff0c\u5982\u679c\u4f60\u89ba\u5f97\u4f60\u4e0d\u9700\u8981\u90a3\u9ebc\u591a\u7f50\u5b50\uff0c\u4f60\u53ef\u4ee5\u505a\u4e00\u4e9b\u9069\u7576\u8abf\u6574\u3002\u4f8b\u5982\u4f60\u53ea\u9700\u8981\u751f\u6d3b\u5fc5\u9700\u5e33\u6236\u3001\u9577\u671f\u5132\u84c4\u5e33\u6236\u548c\u5949\u737b\u5e33\u6236\u800c\u5df2\uff0c\u90a3\u4f60\u53ef\u4ee5\u6839\u64da\u9019\u4e09\u500b\u7f50\u5b50\u518d\u9032\u884c\u5408\u7406\u7684\u7406\u8ca1\u5206\u914d\u3002<\/p><p>\u9664\u4e86\u5b58\u9322\u4ee5\u5916\uff0c\u4f60\u4e5f\u53ef\u4ee5<strong>\u5b78\u7fd2\u4e00\u4e9b\u6295\u8cc7\u7406\u8ca1\u65b9\u6cd5<\/strong>\u3002\u73fe\u5728\u5e02\u5834\u4e0a\u6709\u63d0\u4f9b\u8a31\u591a\u4e0d\u540c\u985e\u578b\u7684\u6295\u8cc7\u7522\u54c1\u4ee5\u53ca\u6295\u8cc7\u7b56\u7565\uff0c<strong>\u9078\u64c7\u9069\u5408\u4f60\u7684\u6295\u8cc7\u7522\u54c1\u548c\u7b56\u7565<\/strong>\u5f8c\uff0c\u80fd\u5354\u52a9\u4f60\u66f4\u5feb\u901f\u9054\u6210\u8ca1\u52d9\u76ee\u6a19\u3002<\/p><p>\u5982\u679c\u4f60\u60f3\u4e86\u89e3\u6295\u8cc7\u7522\u54c1\u7684\u8a71\uff0c\u63a8\u85a6\u4f60\u95b1\u8b80\u9019\u7bc7\u300c<a href=\"https:\/\/valueinmind.co\/zh\/investments-that-everyone-should-know\/\">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<\/a>\u300d\u3002<\/p><p>\u9019\u7bc7\u6587\u7ae0\u4ecb\u7d39\u4e865\u7a2e\u91d1\u878d\u7522\u54c1\uff1a<\/p><ol><li><a href=\"https:\/\/ringgitplus.com\/en\/fixed-deposit\/\" target=\"_blank\" rel=\"noopener\">\u5b9a\u671f\u5b58\u6b3e<\/a><\/li><\/ol><ol start=\"2\"><li><a href=\"https:\/\/valueinmind.co\/zh\/what-is-bond\/\">\u50b5\u5238<\/a><\/li><\/ol><ol start=\"3\"><li>\u57fa\u91d1<\/li><\/ol><ol start=\"4\"><li>\u80a1\u7968<\/li><\/ol><ol start=\"5\"><li><a href=\"https:\/\/valueinmind.co\/zh\/3-mistakes-you-want-to-avoid-first-time-buying-a-house\/\">\u623f\u5730\u7522<\/a><\/li><\/ol><p>\u6bcf\u500b\u6295\u8cc7\u7522\u54c1\u90fd\u6709\u5404\u81ea\u7684\u98a8\u96aa\uff0c<strong>\u901a\u5e38\u56de\u916c\u8d8a\u9ad8\uff0c\u98a8\u96aa\u4e5f\u96a8\u8457\u8d8a\u9ad8<\/strong>\uff01<\/p><p>\u96d6\u7136\u6295\u8cc7\u662f\u7406\u8ca1\u7684\u5176\u4e2d\u4e00\u500b\u65b9\u6cd5\uff0c\u4e5f\u53ef\u4ee5\u70ba\u4f60\u5e36\u4f86\u6295\u8cc7\u56de\u916c\uff0c\u4f46\u6bcf\u500b\u6295\u8cc7\u90fd\u5e36\u4f86\u4e00\u5b9a\u7684\u98a8\u96aa\uff0c\u4e5f\u6709\u53ef\u80fd\u6703\u8b93\u4f60\u8667\u9322\u3002\u56e0\u6b64\uff0c\u8a18\u5f97\u5148\u5b78\u7fd2\u6295\u8cc7\u77e5\u8b58\uff0c\u624d\u4f86\u9032\u884c\u6295\u8cc7\u3002<\/p><h2><span style=\"color: #282364;\"><strong><br \/>\u7406\u8ca1\u898f\u5283 \u6b65\u9a5f5\uff1a\u6bcf\u6708\u6aa2\u9a57\u7d50\u679c<\/strong><\/span><\/h2><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31800\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-review-1024x678.webp\" alt=\"\u7406\u8ca1\u898f\u5283 - \u6bcf\u6708\u6aa2\u9a57\u7d50\u679c\" width=\"1024\" height=\"678\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-review-1024x678.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-review-300x199.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-review-768x509.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-review-1536x1017.webp 1536w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-review-2048x1356.webp 2048w, https:\/\/valueinmind.co\/wp-content\/uploads\/2022\/01\/financial-plan-review-610x404.webp 610w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>\u901a\u904e\u6b65\u9a5f4\uff0c\u4f60\u5df2\u7d93\u77e5\u9053\u4e86\u4f60\u8207\u8ca1\u52d9\u76ee\u6a19\u7684\u8ddd\u96e2\uff0c\u4e26\u4e14\u4e5f\u5236\u5b9a\u4e86\u7406\u8ca1\u898f\u5283\u3002<\/p><p>\u5047\u8a2d\u4f60\u6709\u4e00\u500b\u77ed\u671f\u76ee\u6a19\uff0c\u5e0c\u671b\u5728\u4e09\u5e74\u88e1\u5b58\u5230RM30,000\u7684\u8cfc\u623f\u982d\u671f\u8cbb\u7528\uff0c\u90a3\u4f60\u53ef\u4ee5\u628aRM30,000\u9664\u4ee53\u5e74\uff0c\u5927\u6982\u4e00\u5e74\u9700\u8981\u5b58RM10,000\uff0c\u4e00\u500b\u6708\u8981\u5b58RM834\u3002<\/p><p>\u5982\u679c\u4f60\u5229\u7528\u4e86\u516d\u7f50\u5b50\u5b58\u9322\u6cd5\uff0c\u4f60\u53ef\u4ee5\u6bcf\u500b\u6708\u628aRM834\u5b58\u5165\u3010\u9577\u671f\u5132\u84c4\u518d\u82b1\u6389\u5e33\u6236\u3011\u3002<\/p><p>\u63a5\u8457\u6bcf\u500b\u6708\u5c3e\u6aa2\u9a57\u662f\u5426\u6709\u505a\u5230\uff0c\u5982\u679c\u5176\u4e2d\u5e7e\u500b\u6708\u56e0\u67d0\u4e9b\u539f\u56e0\u800c\u6c92\u6709\u505a\u5230\uff0c\u90a3\u5c31\u8981<strong>\u9032\u884c\u8abf\u6574<\/strong>\uff0c\u6bd4\u5982\u63d0\u9ad8\u63a5\u4e0b\u4f86\u5e7e\u500b\u6708\u7684\u5b58\u6b3e\u5206\u914d\u7d66\u3010\u9577\u671f\u5132\u84c4\u518d\u82b1\u6389\u5e33\u6236\u3011\uff0c\u4e00\u6b21\u5f4c\u88dc\u4e4b\u524d\u6c92\u5b8c\u6210\u8a08\u756b\u7684\u90a3\u5e7e\u6b21\u3002<\/p><p>\u5982\u679c\u9019\u500b\u76ee\u6a19\u592a\u96e3\u9054\u6210\uff0c\u4f60\u53ef\u4ee5<strong>\u8abf\u6574\u6642\u9650\u548c\u5b58\u6b3e\u6578\u76ee<\/strong>\u3002<\/p><h2><span style=\"color: #282364;\"><strong><br \/>\u500b\u4eba\u7406\u8ca1\u898f\u5283\u7bc4\u4f8b<\/strong><\/span><\/h2><p>\u60f3\u8981\u5f97\u5230\u500b\u4eba\u7406\u8ca1\u898f\u5283\u7bc4\u4f8b\uff0c\u53ef\u4ee5\u9ede\u64ca\u9818\u53d6<a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-accounting-handbook\/\">\u4eca\u5e74\u6700\u65b0\u7684\u300a\u6700\u5168\u8a18\u8cec\u672c\u300b\uff0c\u6559\u4f60\u5982\u4f55\u505a\u597d\u7406\u8ca1\u898f\u5283\uff0c\u9054\u6210\u8ca1\u52d9\u76ee\u6a19\uff01<\/a><\/p><h2><span style=\"color: #282364;\"><strong><br \/>\u7e3d\u7d50<\/strong><\/span><\/h2><p>\u5f88\u591a\u4eba\u7e3d\u89ba\u5f97\u53ea\u6709\u6709\u9322\u4eba\u624d\u53ef\u4ee5\u505a\u7406\u8ca1\u898f\u5283\uff0c\u4f46\u662f\u5176\u5be6\u5c0f\u8cc7\u65cf\u4e5f\u53ef\u4ee5\u505a\u7406\u8ca1\u898f\u5283\u3002\u672c\u7bc7\u63d0\u4f9b\u4e86\u4e0d\u540c\u7684\u6295\u8cc7\u7406\u8ca1\u65b9\u6cd5\uff0c\u4f46\u6700\u91cd\u8981\u7684\u9084\u662f\u627e\u5230\u9069\u5408\u81ea\u5df1\u7684\u65b9\u6cd5\uff0c\u56e0\u70ba\u6bcf\u500b\u4eba\u53ef\u4ee5\u627f\u53d7\u7684\u98a8\u96aa\u90fd\u4e0d\u540c\uff0c\u76ee\u6a19\u4e5f\u4e0d\u540c\u3002<\/p><p>\u5236\u5b9a\u500b\u4eba\u7406\u8ca1\u898f\u5283\u4e26\u4e0d\u96e3\uff0c\u4f60\u53ea\u9700\u8981\u627e\u500b\u6642\u9593\uff0c\u975c\u975c\u5750\u4e0b\u4f86\uff0c\u7136\u5f8c\u958b\u59cb\u5b9a\u76ee\u6a19\u3001\u5be9\u8996\u81ea\u8eab\u8ca1\u52d9\u72c0\u6cc1\u3001\u518d\u505a\u51fa\u898f\u5283\u5c31\u884c\u4e86\uff01<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-09096fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"09096fe\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e6e800\" data-id=\"1e6e800\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2945c5f elementor-widget elementor-widget-text-editor\" data-id=\"2945c5f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<pre><strong>\u3010\u5ef6\u4f38\u95b1\u8b80\u3011<\/strong><\/pre>\n<ol>\n<li><a href=\"https:\/\/valueinmind.co\/asnb-unit-trust\/\">ASNB\u4fe1\u8a17\u57fa\u91d1\uff1a\u8207\u5b9a\u5b58\u4e00\u6a23\u662f\u96f6\u98a8\u96aa\uff0c\u56de\u916c\u53c8\u6bd4\u5b9a\u5b58\u9ad8\u597d\u5e7e\u500d\u7684\u6295\u8cc7\u5de5\u5177<\/a><\/li>\n<li><a href=\"https:\/\/valueinmind.co\/what-is-etf\/\">\u5df4\u83f2\u7279\u5f37\u70c8\u5efa\u8b70\u6bcf\u500b\u4eba\u4e00\u5b9a\u8981\u6295\u8cc7S&amp;P 500 ETF\uff01\uff5c\u6307\u6578\u80a1\u7968\u578b\u57fa\u91d1 (ETF)\u5230\u5e95\u70ba\u4ec0\u9ebc\u9019\u9ebc\u597d\uff1f<\/a><\/li>\n<li><a href=\"https:\/\/valueinmind.co\/stock-investment-for-beginners\/\">\u5f9e\u96f6\u958b\u59cb\u7684\u80a1\u7968\u5165\u9580\u5927\u5168 | \u4e00\u5929\u5167\u5c31\u80fd\u514d\u8cbb\u5b78\u6703\u80a1\u7968\u6295\u8cc7\u57fa\u790e<\/a><\/li>\n<li><a href=\"https:\/\/valueinmind.co\/zh\/blog\/how-to-start-investing-in-malaysia-stock-market\/\">\u65b0\u624b\u5982\u4f55\u8cfc\u8cb7\u99ac\u80a1 I \u99ac\u80a1\u5165\u9580\u7cfb\u5217\uff08\u4e00\uff09<\/a><\/li>\n<li><a href=\"https:\/\/valueinmind.co\/zh\/high-dividend-yield-etf-with-high-fee\/\">\u9ad8\u80a1\u606fETF\u771f\u7684\u597d\u55ce\uff1f\u9ad8\u80a1\u606f\u7b49\u65bc\u9ad8\u4ea4\u6613\u6210\u672c\uff0c\u4ee5\u53f0\u80a1\u9ad8\u80a1\u606f\u985eETF\uff080056\u300100713\u300100730\u300100701\u300100731\uff09\u70ba\u4f8b<\/a><\/li>\n<\/ol>\n<h2>\u00a0<\/h2>\n<h2 style=\"font-style: normal;\"><span style=\"font-size: 30px; color: #282364;\"><span style=\"font-size: 30px; font-weight: bold;\">\u514d\u8cac\u8072\u660e<\/span><\/span><\/h2>\n<p style=\"font-size: 18px; font-style: normal; font-weight: 400;\">\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\u7e6b\u50f9\u503c\u601d\u7dad\u6216\u54a8\u8a62\u4f60\u7684\u7406\u8ca1\u898f\u5283\u5e2b\u4ee5\u53d6\u5f97\u5c08\u696d\u7684\u5efa\u8b70\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>\u300c\u4f60\u4e0d\u7406\u8ca1\uff0c\u624d\u4e0d\u7406\u4f60\u300d\u2014\u2014\u76f8\u4fe1\u9019\u53e5\u8a71\uff0c\u5927\u5bb6\u90fd\u5f88\u5e38\u807d\u5230\u5427\uff1f \u90a3\u5230\u5e95\u4ec0\u9ebc\u662f\u7406\u8ca1\u5462\uff1f \u6bcf\u500b\u4eba\u90fd\u5c0d\u5b83\u7684\u5b9a\u7fa9\u4e0d\u540c\u3002\u6211\u5c0d\u7406 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":31787,"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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