{"id":4188,"date":"2020-11-15T11:07:38","date_gmt":"2020-11-15T03:07:38","guid":{"rendered":"https:\/\/valueinmind.co\/?p=4188"},"modified":"2022-01-10T12:05:51","modified_gmt":"2022-01-10T04:05:51","slug":"invest-in-unit-trust-with-epf","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/invest-in-unit-trust-with-epf\/","title":{"rendered":"\u4f60\u77e5\u9053\u55ce\uff1f EPF\u7adf\u7136\u53ef\u4ee5\u62ff\u51fa\u4f86\u6295\u8cc7\u4fe1\u6258\u57fa\u91d1 (Unit Trust)\uff0c\u7372\u5f97\u8d85\u904e6%\u7684\u56de\u916c\uff1f\uff01"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4188\" class=\"elementor elementor-4188\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-19d074c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19d074c8\" 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-743138c0\" data-id=\"743138c0\" 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-57f64159 elementor-widget elementor-widget-text-editor\" data-id=\"57f64159\" 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 .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>\u201c \u6211\u9019\u4e00\u751f\u7576\u4e2d\u52aa\u529b\u5de5\u4f5c\uff0c\u5c31\u662f\u5e0c\u671b\u4ee5\u5f8c\u7684\u9000\u4f11\u751f\u6d3b\u53ef\u4ee5\u6709\u597d\u65e5\u5b50\u904e\uff01\u201d\u00a0\u60f3\u5fc5\u9019\u662f\u5927\u5bb6\u76ee\u524d\u5982\u6b64\u5730\u52aa\u529b\u5de5\u4f5c\u5b58\u9322\u7684\u5176\u4e2d\u4e00\u500b\u539f\u56e0\u4e4b\u4e00\u3002<\/p><p>\u99ac\u4f86\u897f\u4e9e\u4eba\u6700\u719f\u6089\u7684\u990a\u8001\u8a08\u5283\u5c31\u662f\u7531\u5927\u99ac\u516c\u7a4d\u91d1\u5c40\uff08KWSP\uff09\u6240\u7ba1\u7406\u7684\u96c7\u54e1\u516c\u7a4d\u91d1\uff08Employees Provident Fund, \u7c21\u7a31EPF\uff09\uff0c\u5c31\u662f\u70ba\u4e86\u5be6\u73fe\u99ac\u4f86\u897f\u4e9e\u4eba\u5728\u9000\u4f11\u5f8c\uff0c\u8eab\u9ad4\u548c\u7cbe\u795e\u5927\u4e0d\u5982\u524d\u7684\u60c5\u6cc1\u4e0b\uff0c\u4e0d\u5fc5\u7e7c\u7e8c\u5de5\u4f5c\u4e5f\u80fd\u5920\u9760\u8457\u5148\u524d\u7a4d\u6522\u7684\u9000\u4f11\u91d1\u4f86\u904e\u9000\u4f11\u751f\u6d3b\u3002<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u9000\u4f11\u751f\u6d3b.png\" alt=\"\u9000\u4f11\u751f\u6d3b\" \/><\/figure><h6>\u00a0<\/h6><p>\u70ba\u4e86\u5e6b\u52a9\u5927\u99ac\u4eba\u5b58\u53d6\u9019\u7b46\u9000\u4f11\u91d1\uff0c\u99ac\u4f86\u897f\u4e9e\u7684\u96c7\u54e1\u53ca\u96c7\u4e3b\u6bcf\u500b\u6708\u90fd\u5fc5\u9808\u7e73\u7d0d\u516c\u7a4d\u91d1\uff0c\u7e3d\u984d\u63a5\u8fd1\u96c7\u54e1\u7e3d\u6536\u5165\u768415%\u3002\u96c7\u54e1\u5728\u672a\u9054\u5230\u689d\u4ef6\u4e4b\u524d\uff0c\u662f\u7121\u6cd5\u5c07\u516c\u7a4d\u91d1\u53d6\u51fa\u4f86\u7684\u3002\u773e\u6240\u5468\u77e5\uff0cEPF\u4e5f\u7b97\u662f\u4e00\u9805\u6295\u8cc7\uff0c<a href=\"https:\/\/mypf.my\/investing\/retire\/epf-historical\/\" target=\"_blank\" rel=\"noopener\">\u5e73\u5747\u6bcf\u5e74\u6703\u5e36\u4f866%\u7684\u56de\u916c<\/a>\uff0c\u6bd4\u5b9a\u671f\u5b58\u6b3e\u548c\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\u7684\u8868\u73fe\u9084\u8981\u597d\u5f88\u591a\u3002<\/p><p>\u4f46\u662f\uff0c\u9019\u500b6%\uff0c\u770b\u8d77\u4f86\u597d\u50cf\u9084\u662f\u6709\u9ede\u5c11\uff0c\u5c0d\u5427\uff1f<a href=\"https:\/\/valueinmind.co\/zh\/what-is-etf\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5df4\u83f2\u7279\u63a8\u85a6\u7684 S&amp;P 500 ETF<\/a>\u4e00\u5e74\u5e73\u5747\u90fd\u67098%\u7684\u56de\u916c\uff0c\u5982\u679c\u6295\u8cc7\u5728\u5176\u5b83\u91d1\u878d\u5546\u54c1\uff0c\u9084\u80fd\u7372\u5f9710%\u4ee5\u4e0a\u7684\u56de\u916c\u5462\uff01<\/p><p style=\"font-size: 18px; font-style: normal; font-weight: 400;\">\u90a3\u9ebd\u9019\u7bc7\u6587\u7ae0\u5c07\u6703\u544a\u8a34\u4f60\u662f\u5426\u61c9\u8a72\u628aEPF\u88cf\u982d\u7684\u5b58\u6b3e\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\uff0c\u770b\u5b8c\u4e4b\u5f8c\u4f60\u6703\u66f4\u6709\u7576\u4e2d\u6982\u5ff5\u4e86\u3002\u5167\u5bb9\u5305\u542b\u4ee5\u4e0b\u5e7e\u500b\u90e8\u5206\uff1a<\/p><ul style=\"font-size: 18px; font-style: normal; font-weight: 400;\"><li style=\"font-size: 18px;\">\u632a\u7528EPF\u8cc7\u91d1\u6295\u8cc7\u4fe1\u6258\u57fa\u91d1\u7684\u689d\u4ef6<\/li><li style=\"font-size: 18px;\">\u6b64\u8209\u52d5\u662f\u5426\u4e0d\u660e\u667a<\/li><li style=\"font-size: 18px;\">\u4fe1\u6258\u57fa\u91d1\u985e\u578b<\/li><li>\u88abEPF\u5141\u8a31\u7684\u91d1\u878d\u6a5f\u69cb<\/li><li>\u7533\u8acb\u6295\u8cc7\u4fe1\u6258\u57fa\u91d1\u7684\u65b9\u6cd5\u8207\u6b65\u9a5f<\/li><li>\u628aEPF\u5b58\u6b3e\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u7684\u597d\u8655<\/li><li>\u4e0d\u61c9\u8a72\u628aEPF\u5b58\u6b3e\u6295\u8cc7\u5728\u4fe1\u6258\u57fa\u91d1\u7684\u60c5\u6cc1<\/li><\/ul><h2><strong><span style=\"color: #262262;\">\u4e0d\u60f3\u8981\u53ea\u8cfa6%\u7684\u56de\u916c\uff0c\u4f60\u53ef\u4ee5\u628aEPF\u4e2d\u7684\u9322\u62ff\u51fa\u4f86\u6295\u8cc7\uff01<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>\u201c\u4ec0\u9ebd\uff1f\uff01 EPF\u7684\u9322\u53ef\u4ee5\u62ff\u51fa\u4f86\u6295\u8cc7\u54a9\uff1f \u6211\u9084\u771f\u662f\u7b2c\u4e00\u6b21\u807d\u904e\u3002\u201d\u00a0\u4f60\u662f\u4e0d\u662f\u4e5f\u548c\u5927\u90e8\u5206\u7684\u4eba\u4e00\u6a23\uff0c\u4ee5\u70baEPF\u53ea\u80fd\u4e00\u76f4\u539f\u5c01\u4e0d\u52d5\u5730\u5b58\u5230\u9000\u4f11\u624d\u80fd\u62ff\u51fa\u4f86\u5462\uff1f<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u4ee5\u70baEPF\u53ea\u80fd\u4e00\u76f4\u539f\u5c01\u4e0d\u52d5\u5730\u5b58\u5230\u9000\u4f11\u624d\u80fd\u62ff\u51fa\u4f86.png\" alt=\"\u4ee5\u70baEPF\u53ea\u80fd\u4e00\u76f4\u539f\u5c01\u4e0d\u52d5\u5730\u5b58\u5230\u9000\u4f11\u624d\u80fd\u62ff\u51fa\u4f86\" \/><\/figure><h6>\u00a0<\/h6><p>\u4e00\u822c\u4e0a\uff0c\u5927\u5bb6\u5c0dEPF\u7b2c\u4e00\u6236\u53e3\u7684\u7406\u89e3\u5c31\u662f\u990a\u8001\u91d1\uff0c\u672a\u523055\u6b72\u524d\u662f\u4e0d\u80fd\u62ff\u51fa\u4f86\u7684\u3002\u4f46\u662f\uff0c\u5927\u99ac\u516c\u7a4d\u91d1\u5c40\u5df2\u6279\u51c6\u6703\u54e1\u5011\u53ef\u4ee5\u5f9eEPF\u7b2c\u4e00\u6236\u53e3\u4e2d\u62ff\u9322\u51fa\u4f86\u9032\u884c\u6295\u8cc7\uff0c\u8b93\u4eba\u6c11\u66f4\u597d\u5730\u7ba1\u7406\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u3002<\/p><p>\u9019\u6a23\u7684\u6279\u51c6\u80fd\u5920\u8b93\u99ac\u4f86\u897f\u4e9e\u4eba\u6709\u6a5f\u6703\u8cfa\u53d6\u66f4\u9ad8\u7684\u990a\u8001\u91d1\uff0c\u66f4\u597d\u5730\u70ba\u672a\u4f86\u7684\u9000\u4f11\u751f\u6d3b\u92ea\u8def\u3002<\/p><h2><strong><span style=\"color: #262262;\">\u5148\u770b\u770b\u81ea\u5df1\u662f\u5426\u9054\u5230\u516c\u7a4d\u91d1\u5c40\u7684\u6a19\u6e96\uff0c\u662f\u5426\u80fd\u5920\u7528EPF\u7684\u9322\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>\u8ab0\u53ef\u4ee5\u7533\u8acb\u628aEPF\u7684\u9322\u62ff\u51fa\u4f86\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\uff1f<\/p><ul><li>\u99ac\u4f86\u897f\u4e9e\u516c\u6c11<\/li><li>\u99ac\u4f86\u897f\u4e9e\u6c38\u4e45\u5c45\u6c11<\/li><li>\u5916\u7c4d\u4eba\u58eb\uff08\u57281998\u5e748\u67081\u65e5\u524d\u8a3b\u518a\u6210\u70baEPF\u6703\u54e1\uff09<\/li><li>\u57281995\u5e748\u67081\u65e5\u524d\u9818\u53d6EPF\u4e26\u96e2\u958b\u99ac\u4f86\u897f\u4e9e\uff0c\u4f46\u9078\u64c7\u91cd\u65b0\u7e73\u6b3e\u7684\u5927\u99ac\u4eba<\/li><li>55\u5d57\u4ee5\u4e0b\u7684EPF\u6703\u54e1<\/li><li>\u6709\u8db3\u5920\u7684\u516c\u7a4d\u91d1\u5b58\u6b3e\u7684\u6703\u54e1<\/li><\/ul><p>\u90a3\u4f60\u61c9\u8a72\u8981\u6709\u591a\u5c11\u7684\u516c\u7a4d\u91d1\u5b58\u6b3e\uff0c\u624d\u7b26\u5408\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u7684\u689d\u4ef6\u5462\uff1f<\/p><p>\u9996\u5148\uff0c\u4f60\u7684EPF\u7b2c\u4e00\u6236\u53e3\u7684\u5b58\u6b3e\u5fc5\u9808\u9054\u5230\u516c\u7a4d\u91d1\u5c40\u8a2d\u4e0b\u7684\u300c\u57fa\u672c\u5b58\u6b3e\u300d\uff08Basic Savings\uff09\u3002<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/EPF-Basic-Savings-1-709x1024.jpg\" alt=\"EPF\u7b2c\u4e00\u6236\u53e3\u7684\u57fa\u672c\u5b58\u6b3e (Basic Savings)\" \/><\/figure><h6>\u00a0<\/h6><p>\u5982\u679c\u4f60\u6c92\u6709\u9054\u5230\u57fa\u672c\u5b58\u6b3e\uff0c\u90a3\u4f60\u662f\u4e0d\u7b26\u5408\u8cc7\u683c\u628aEPF\u7684\u9322\u62ff\u53bb\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u7684\u3002<\/p><p>\u5982\u679c\u4f60\u9054\u5230\u4e86\u57fa\u672c\u5b58\u6b3e\u7684\u6578\u984d\uff0c\u8acb\u4f60\u63a5\u4e0b\u53bb\u770b\u3002<\/p><p>\u7528EPF\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u7684\u6700\u4f4e\u6295\u8cc7\u91d1\u984d\u662fRM1,000\uff0c\u800c\u4f60\u53ef\u4ee5\u6295\u8cc7\u7684\u6578\u984d\u662f\uff1a\uff08EPF\u7b2c\u4e00\u6236\u53e3\u7684\u7e3d\u5b58\u6b3e &#8211; \u57fa\u672c\u5b58\u6b3e\uff09x 30%\u3002\u89ba\u5f97\u6709\u9ede\u96e3\u7406\u89e3\uff0c\u8acb\u770b\u4e0b\u9762\u9019\u5f35\u5716\uff1a<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/Presentation7.jpg\" alt=\"\u4f7f\u7528EPF\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u7684\u60c5\u6cc1\" \/><\/figure><h6>\u00a0<\/h6><p>\u5047\u8a2d\u5c0f\u660e\u4eca\u5e7422\u6b72\uff0c\u4ed6\u7684\u7684EPF\u7b2c\u4e00\u6236\u53e3\u6709RM12,000\uff0c\u8d85\u904e\u4e86RM10,000\u7684\u57fa\u672c\u5b58\u6b3e\u3002\u4ed6\u7b2c\u4e00\u6236\u53e3\u7684\u7e3d\u5b58\u6b3e\u6e1b\u53bb\u57fa\u672c\u5b58\u6b3e\uff0c\u4e5f\u5c31\u662fRM12,000 &#8211; RM10,000\uff0c\u5c31\u6703\u5f97\u5230RM2,000\u3002RM2,000\u768430%\u5c31\u662fRM600\uff0c\u4f4e\u65bcRM1,000\uff08\u6700\u4f4e\u6295\u8cc7\u91d1\u984d\uff09\uff0c\u6240\u4ee5\u5c0f\u660e\u662f\u4e0d\u80fd\u4f7f\u7528EPF\u7684\u9322\u4f86\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u7684\u3002<\/p><p>\u5047\u8a2d\u5c0f\u9e97\u4eca\u5e7425\u6b72\uff0c\u5979\u7684EPF\u7b2c\u4e00\u6236\u53e3\u6709RM25,000\uff0c\u8d85\u904e\u4e86RM18,000\u7684\u57fa\u672c\u5b58\u6b3e\u3002\u4ed6\u7b2c\u4e00\u6236\u53e3\u7684\u7e3d\u5b58\u6b3e\u6e1b\u53bb\u57fa\u672c\u5b58\u6b3e\uff0c\u4e5f\u5c31\u662fRM25,000 &#8211; RM18,000\uff0c\u5c31\u6703\u5f97\u5230RM7,000\u3002RM7,000\u768430%\u5c31\u662fRM2,100\uff0c\u9ad8\u65bcRM1,000\uff08\u6700\u4f4e\u6295\u8cc7\u91d1\u984d\uff09\uff0c\u6240\u4ee5\u5c0f\u9e97\u53ef\u4ee5\u4f7f\u7528EPF\u7684\u9322\u4f86\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u3002<\/p><h2><span style=\"color: #262262;\"><strong>\u5176\u5be6\uff0c\u5982\u679c\u771f\u7684\u7528EPF\u7684\u9322\u4f86\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\uff0c\u5230\u5e95\u662f\u4e0d\u662f\u660e\u667a\u4e4b\u8209\uff1f<\/strong><\/span><\/h2><h6>\u00a0<\/h6><p>\u5728\u9019\u4e4b\u524d\uff0c\u5148\u8b93\u4f60\u8a8d\u8b58\u4e00\u500b\u7d93\u6fdf\u5b78\u7684\u6982\u5ff5\uff0c\u90a3\u5c31\u662f\u6a5f\u6703\u6210\u672c\uff08Opportunity Cost)\u3002<\/p><p>\u300c\u6a5f\u6703\u6210\u672c\u300d\u7684\u610f\u601d\u662f\u7576\u4f60\u5728\u505a\u4efb\u4f55\u6c7a\u5b9a\u7684\u6642\u5019\uff0c\u4f60\u6240\u8981\u8003\u91cf\u7684\u4e0d\u53ea\u662f\u4f60\u53ef\u4ee5\u7372\u5f97\u4ec0\u9ebd\uff0c\u800c\u4f60\u4e5f\u8981\u8003\u91cf\u7684\u662f\u4f60\u6703\u5931\u53bb\u4ec0\u9ebd\u6a5f\u6703\uff0c\u518d\u4f86\u505a\u6bd4\u8f03\u3002<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8003\u91cf\u7684\u662f\u4f60\u6703\u5931\u53bb\u4ec0\u9ebd\u6a5f\u6703\uff0c\u518d\u4f86\u505a\u6bd4\u8f03.png\" alt=\"\u8003\u91cf\u7684\u662f\u4f60\u6703\u5931\u53bb\u4ec0\u9ebd\u6a5f\u6703\uff0c\u518d\u4f86\u505a\u6bd4\u8f03\" \/><\/figure><h6>\u00a0<\/h6><p>\u540c\u6a23\u7684\uff0c\u5728\u4f60\u62ff\u51faEPF\u7684\u5b58\u6b3e\u4f86\u505a\u6295\u8cc7\u7684\u4f8b\u5b50\u88e1\uff0c\u4f60\u4e0d\u53ea\u662f\u8981\u8003\u91cf\u4f60\u6295\u8cc7\u5728\u4fe1\u8a17\u57fa\u91d1\u6703\u5f97\u5230\u4ec0\u9ebd\uff1f \u4f60\u9084\u5f97\u8003\u91cf\u81ea\u5df1\u6703\u5931\u53bb\u4ec0\u9ebd\u3002<\/p><p>\u5982\u679c\u4f60\u5011\u6c92\u6709\u62ffEPF\u7684\u9322\u6295\u8cc7\u5728\u4fe1\u8a17\u57fa\u91d1\uff0c\u4f60\u5c07\u6703\u7372\u5f976%\u5de6\u53f3\u7684\u516c\u7a4d\u91d1\u5206\u7d05\uff1b\u800c\u5982\u679c\u4f60\u628aEPF\u7684\u9322\u6295\u8cc7\u5728\u4fe1\u8a17\u57fa\u91d1\uff0c\u4f60\u6709\u53ef\u80fd\u6703\u5931\u53bb6%\u5de6\u53f3\u516c\u7a4d\u91d1\u5206\u7d05\u3002<\/p><p>\u90a3\u5982\u679c\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u503c\u5f97\u55ce\uff1f\u00a0\u9019\u4e0d\u597d\u8aac\u3002<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u503c\u5f97\u55ce.png\" alt=\"\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u503c\u5f97\u55ce\" \/><\/figure><h6>\u00a0<\/h6><p>\u4f46\u662f\uff0c\u6700\u7406\u60f3\u7684\u72c0\u614b\u662f\uff1a\u4f60\u628aEPF\u7684\u9322\u62ff\u51fa\u4f86\u6295\u8cc7\u5e74\u56de\u916c\u8d85\u904eEPF\u56de\u916c\uff086%\u5de6\u53f3\uff09\u7684\u4fe1\u8a17\u57fa\u91d1\u3002<\/p><h2><strong><span style=\"color: #262262;\">\u6578\u4e0d\u52dd\u6578\u7684\u4fe1\u6258\u57fa\u91d1\uff0c\u6211\u8a72\u5982\u4f55\u9078\uff1f\u00a0<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>\u90a3\u5230\u5e95\u6709\u54ea\u500b\u4fe1\u6258\u57fa\u91d1\u662f\u53ef\u4ee5\u8b93\u6211\u5011\u6295\u8cc7\u56de\u916c\u591a\u904e6%\u7684\uff1f<\/p><p>\u4fe1\u6258\u57fa\u91d1\u6709\u5206\u6210\u4e09\u7a2e\u985e\u578b\uff1a<\/p><ol><li>\u80a1\u7968\u57fa\u91d1\uff08Equity Fund\uff09\uff1a\u6295\u8cc7\u5728\u80a1\u7968\u7684\u57fa\u91d1<\/li><li>\u6536\u76ca\u57fa\u91d1\uff08Fixed Income Fund\uff09\uff1a\u8cb7\u5165\u50b5\u5238\u7684\u57fa\u91d1<\/li><li>\u5e73\u8861\u578b\u57fa\u91d1\uff08Balance Fund\uff09\uff1a\u57fa\u91d1\u88e1\u6709\u4e00\u90e8\u5206\u662f\u80a1\u7968\uff0c\u4e00\u90e8\u5206\u662f\u50b5\u5238<\/li><\/ol><p>\u6211\u5011\u5148\u4f86\u770b\u770b\u9019\u4e9b\u57fa\u91d1\u8868\u73fe\u6700\u597d\u7684\u5e73\u574710\u5e74\u7684\u56de\u916c\u5927\u7d04\u662f\u591a\u5c11\uff1f<\/p><p>\u6839\u64da<a href=\"https:\/\/www.fsmone.com.my\/funds\/tools\/best-and-worst-performers\" target=\"_blank\" rel=\"noreferrer noopener\">Fundsupermart\u6240\u641c\u5c0b\u5230\u7684\u8cc7\u6599<\/a>\uff0c\u5728\u904e\u53bb10\u5e74\u88e1\uff0c\u8868\u73fe\u6700\u597d\u7684\u80a1\u7968\u57fa\u91d1\u5e73\u5747\u4e00\u5e74\u7684\u56de\u916c\u662f15%\uff0c\u5176\u9918\u7684\u662f9-13%\u5de6\u53f3\u3002\u5728\u6536\u76ca\u57fa\u91d1\u65b9\u9762\uff0c\u904e\u53bb10\u5e74\u8868\u73fe\u6700\u597d\u7684\u662f8%\u5de6\u53f3\u7684\u56de\u916c\u52de\uff0c\u4e00\u822c\u662f5-6%\u5de6\u53f3\u3002\u5e73\u8861\u578b\u57fa\u91d1\u7684\u56de\u916c\u5247\u5728\u80a1\u7968\u57fa\u91d1\u548c\u6536\u76ca\u57fa\u91d1\u7684\u4e2d\u9593\uff0c\u6700\u9ad8\u662f9%\u5de6\u53f3\uff0c\u4e00\u822c\u4e0a\u662f5-8%\u5de6\u53f3\u3002<\/p><p>\u90a3\u770b\u5b8c\u9019\u4e09\u7a2e\u985e\u578b\uff0c\u4f60\u8a8d\u70ba\u54ea\u4e00\u7a2e\u662f\u9069\u5408\u4f60\u628aEPF\u7684\u9322\u62ff\u51fa\u4f86\u6295\u8cc7\u7684\u57fa\u91d1\u5462\uff1f<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1.png\" alt=\"\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\" \/><\/figure><h6>\u00a0<\/h6><p>\u5e02\u5834\u4e0a\u80fd\u5920\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u7684\u65b9\u6cd5\u6709\u5f88\u591a\u7a2e\uff0c\u6bd4\u5982\u81ea\u884c\u5230\u7dda\u4e0a\u6295\u8cc7\u5e73\u53f0\u3001\u9280\u884c\u3001\u57fa\u91d1\u516c\u53f8\u7b49\u7b49\uff0c\u90fd\u53ef\u4ee5\u8cb7\u5230\u4f60\u60f3\u8981\u7684\u57fa\u91d1\u3002\u4f46\u662f\uff0c\u4e26\u975e\u6bcf\u4e00\u7a2e\u7ba1\u9053\u90fd\u662f\u53d7\u5230\u5927\u99ac\u516c\u7a4d\u91d1\u5c40\uff08KWSP\uff09\u6240\u6279\u51c6\u7684\u3002<\/p><p>\u4ee5\u4e0b\u662f10\u5bb6\u5e38\u898b\uff0c\u53c8\u6709\u548cKWSP\u5408\u4f5c\u7684\u91d1\u878d\u6a5f\u69cb\uff08\u5b8c\u6574\u7684KWSP\u5408\u4f5c\u6e05\u55ae\u8acb\u700f\u89bd<a href=\"https:\/\/www.kwsp.gov.my\/member\/investment\" target=\"_blank\" rel=\"noreferrer noopener\">\u9019\u88e1<\/a>\uff09\u3002\u7136\u800c\uff0c\u9019\u4e0d\u4ee3\u8868\u4f60\u53ef\u4ee5\u96a8\u610f\u6295\u8cc7\u5728\u4ee5\u4e0b\u91d1\u878d\u6a5f\u69cb\u65d7\u4e0b\u7684\u57fa\u91d1\u3002KWSP\u4e5f\u5217\u51fa\u4e86EPF\u6703\u54e1\u88ab\u5141\u8a31\u6295\u8cc7\u7684\u4fe1\u8a17\u57fa\u91d1\uff08\u4f60\u53ef\u4ee5\u9ede\u64ca\u4ee5\u4e0b\u91d1\u878d\u6a5f\u69cb\u7684\u9023\u7d50\uff0c\u5c31\u80fd\u67e5\u770b\u88ab\u6279\u51c6\u6295\u8cc7\u7684\u4fe1\u8a17\u57fa\u91d1\uff09\u3002<\/p><ol><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/Affin+English_01042020.pdf\/0d0a4dfd-d0f8-ffc6-5bdb-d32fa7f418a2?t=1585730625800\" target=\"_blank\" rel=\"noreferrer noopener\">Affin Hwang Asset Management Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/KIB+English_01042020.pdf\/73c2fbaa-21f7-b4db-b6fd-cd4d3bd6c680?t=1585730629327\" target=\"_blank\" rel=\"noreferrer noopener\">Kenanga Investors Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/HLAM+English_01042020.pdf\/d3097e19-eb75-3d2b-07ff-8f8f1f47b56e?t=1585730628517\" target=\"_blank\" rel=\"noreferrer noopener\">Hong Leong Asset Management Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/Amfunds+English_01042020.pdf\/677af494-474d-a5d3-27e6-b83bf68acf6c?t=1585730626180\" target=\"_blank\" rel=\"noreferrer noopener\">AmFunds Management Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/RHB+English_01042020.pdf\/05a5067c-00bc-8cfe-36c0-381811fa6876?t=1585730171470\" target=\"_blank\" rel=\"noreferrer noopener\">RHB Asset Management Sdn Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/ASNB+English_01042020.pdf\/59e18783-8dde-8ee3-fa4a-10677964c8f5?t=1585730627257\" target=\"_blank\" rel=\"noreferrer noopener\">Amanah Saham Nasional Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/Maybank+English_01042020.pdf\/a8114a86-4e45-a45a-87f3-5c7332dc2551?t=1585730166827\" target=\"_blank\" rel=\"noreferrer noopener\">Maybank Asset Management Sdn Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/Manulife_English_01042020.pdf\/7755f173-c59e-e5c7-1e9c-7aa40037c3ce?t=1585730166603\" target=\"_blank\" rel=\"noreferrer noopener\">Manulife Investment Management Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/EIB+English_01042020.pdf\/913aa32e-275a-1499-dac3-7dd07fa3dc15?t=1585730628237\" target=\"_blank\" rel=\"noreferrer noopener\">Eastspring Investments Bhd<\/a><\/li><li><a href=\"https:\/\/www.kwsp.gov.my\/documents\/20126\/270182\/Public+English_01042020.pdf\/9388dedb-6ac8-c4c9-e089-b2c6422b4b76?t=1585730170297\" target=\"_blank\" rel=\"noreferrer noopener\">Public Mutual Bhd<\/a><\/li><\/ol><h2><strong><span style=\"color: #262262;\">\u6211\u6c7a\u5b9a\u4e0d\u8981\u518d\u7e7c\u7e8c\u62ff6%\u7684\u56de\u916c\u800c\u5df2\uff0c\u6211\u8981\u628aEPF\u7684\u9322\u62ff\u51fa\u4f86\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\uff01\u00a0<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>\u5982\u679c\u4f60\u5df2\u7d93\u60f3\u6e05\u695a\u4e86\uff0c\u4e0d\u60f3\u8981\u7e7c\u7e8c\u62ffEPF\u50c5\u50c56%\u7684\u5e74\u56de\u916c\uff0c\u800c\u662f\u8981\u8cfa\u53d6\u66f4\u9ad8\u7684\u56de\u5831\uff0c\u90a3\u4f60\u5c31\u53ef\u4ee5\u6309\u7167\u4ee5\u4e0b\u7684\u6b65\u9a5f\u958b\u59cb\u9032\u884c\u7533\u8acb\u3002<\/p><h3><strong>\u65b9\u6cd5 #1 \u901a\u904e\u516c\u7a4d\u91d1\u5408\u4f5c\u7684\u6295\u8cc7\u57fa\u91d1\u7ba1\u7406\u6a5f\u69cb\uff08FMI\uff09\u7684\u6ac3\u81fa\u6216\u4ee3\u7406\u4eba\u7533\u8acb<\/strong><\/h3><h6>\u00a0<\/h6><p>\u5982\u679c\u4f60\u60f3\u8981\u8acb\u5c08\u696d\u4eba\u54e1\u5e6b\u52a9\u4f60\u7533\u8acb\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\uff0c\u4f60\u53ef\u4ee5\u5230\u8207\u516c\u7a4d\u91d1\u5408\u4f5c\u7684\u6295\u8cc7\u57fa\u91d1\u7ba1\u7406\u6a5f\u69cb\uff08FMI\uff09\u7684\u6ac3\u81fa\uff0c\u6216\u8005\u662f\u5411\u5176\u4ee3\u7406\u4eba\u9032\u884c\u7533\u8acb\u3002\u4f46\u662f\uff0c\u4f60\u5fc5\u9808\u7e73\u4ed8\u4e00\u4e9b\u92b7\u552e\u670d\u52d9\u8cbb\u7528\u3002<\/p><p>\u4f60\u9700\u8981\u6e96\u5099\u4ee5\u4e0b\u7684\u6587\u4ef6\uff1a<\/p><ul><li><a href=\"https:\/\/www.kwsp.gov.my\/o\/kwsp-theme\/css\/assets\/pdf\/SSDPMBBP_Skim_Pelaburan_Ahli_BM_14032017.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">KWSP 9N \u6295\u8cc7\u7533\u8acb\u8868\u683c<\/a>\u548c\u500b\u4eba\u8cc7\u6599<\/li><li>\u8eab\u4efd\u8b49\u526f\u672c\u6216\u8b77\u7167\uff08\u4e5f\u9069\u7528\u65bc\u57281998\u5e748\u67081\u65e5\u524d\u6210\u70baEPF\u6703\u54e1\u7684\u975e\u5927\u99ac\u4eba\uff09<\/li><\/ul><p>\u6ce8\u610f\uff1aKWSP \u6709\u6b0a\u8981\u6c42\u7533\u8acb\u4eba\u63d0\u4ea4\u984d\u5916\u6587\u4ef6\u3001KWSP \u6709\u6b0a\u62d2\u7d55\u63d0\u4ea4\u4efb\u4f55\u4e0d\u5b8c\u6574\u6216\u4e0d\u7b26\u5408\u689d\u898f\u53ca\u6587\u4ef6\u7684\u7533\u8acb\u3002<\/p><h6>\u00a0<\/h6><h3><strong>\u65b9\u6cd5 #2 \u901a\u904ei-Akaun\u00a0\u63d0\u51fa\u7533\u8acb<\/strong><\/h3><h6>\u00a0<\/h6><ul><li>\u6703\u54e1\u5fc5\u9808\u6ce8\u518a\u70ba<a href=\"https:\/\/secure.kwsp.gov.my\/member\/member\/login\" target=\"_blank\" rel=\"noreferrer noopener\">i-Akaun <\/a>\u7528\u6236<\/li><li>\u6703\u54e1\u5fc5\u9808\u767b\u8a18\u6d41\u52d5\u96fb\u8a71\u865f\u78bc\u624d\u80fd\u6536\u5230TAC \u865f\u78bc<\/li><\/ul><p>\u6210\u529f\u7533\u8acb\u6210\u70bai-Akaun\u7528\u6236\u5f8c\uff0c\u4f60\u53ef\u4ee5\u958b\u59cb\u901a\u904ei-Akaun\u4e2d\u7684EPF i-invest \u5e73\u53f0\u5728\u7dda\u4e0a\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u3002\u4f60\u53ef\u4ee5\u6309\u7167\u4ee5\u4e0b\u7684\u6b65\u9a5f\uff0c\u958b\u59cb\u6295\u8cc7\u53ca\u7ba1\u7406\u4f60\u7684\u9000\u4f11\u91d1\uff1a<\/p><p><strong>\u4e00\u3001<a href=\"https:\/\/secure.kwsp.gov.my\/member\/member\/login\" target=\"_blank\" rel=\"noreferrer noopener\">\u767b\u9304<\/a>\u4f60\u7684EPF i-Akaun\u00a0<\/strong><\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/Screenshot-2020-11-15-at-6.33.21-PM-1024x639.png\" alt=\"\u767b\u9304EPF i-akaun\" \/><\/figure><h6>\u00a0<\/h6><p><strong>\u4e8c\u3001\u9032\u884c\u8cfc\u8cb7<\/strong><\/p><ol><li>\u9ede\u64caInvestment<\/li><\/ol><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/Screenshot-2020-11-07-at-1.53.43-PM-1024x509.png\" alt=\"\u9ede\u64caInvestment\" \/><\/figure><ol start=\"2\"><li>\u9ede\u64caTransaction &gt; Buy<\/li><\/ol><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/Screenshot-2020-11-07-at-1.54.04-PM-1024x259.png\" alt=\"\u9ede\u64caTransaction &gt; Buy\" \/><\/figure><h6>\u00a0<\/h6><p><strong>\u4e09\u3001\u9078\u64c7\u4f60\u60f3\u8981\u7684\u6295\u8cc7\u57fa\u91d1\u7ba1\u7406\u6a5f\u69cb\uff08FMI\uff09\u53ca\u60f3\u8981\u8cfc\u8cb7\u7684\u57fa\u91d1<\/strong><\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/Buy-unit-trust-1024x425.png\" alt=\"\" \/><\/figure><h6>\u00a0<\/h6><p>\u56db\u3001\u6700\u5f8c\uff0c\u9ede\u64caProceed to Checkout\u4e26\u4e14\u5b8c\u6210\u6574\u500b\u8cfc\u8cb7\u57fa\u91d1\u7684\u7a0b\u5e8f\u3002<\/p><h6>\u00a0<\/h6><h3><strong>\u6eab\u99a8\u63d0\u9192<\/strong><\/h3><ol><li>\u7533\u8acb\u4e00\u7d93\u63d0\u4ea4\uff0c\u4e0d\u5f97\u64a4\u92b7\u3002<\/li><li>EPF\u6703\u54e1\u6240\u6295\u8cc7\u7684\u4fe1\u6258\u57fa\u91d1\u5fc5\u9808\u662f\u53d7\u5230\u99ac\u4f86\u897f\u4e9e\u8ca1\u653f\u90e8\u627f\u8a8d\u7684\u3002<\/li><li>EPF\u6703\u54e1\u4e0d\u5f97\u4f7f\u7528\u81ea\u5df1\u7684\u8cc7\u91d1\u505a\u4fe1\u6258\u57fa\u91d1\u4ee5\u5916\u7684\u6295\u8cc7\u3002<\/li><li>\u6240\u6709\u6295\u8cc7\u98a8\u96aa\u7531EPF\u6703\u54e1\u81ea\u884c\u627f\u64d4\uff0c\u6240\u4ee5\u4e00\u5b9a\u8981\u77ad\u89e3\u6295\u8cc7\u7684\u898f\u683c\u8207\u8a73\u60c5\u3002<\/li><li>\u6703\u54e1\u8ce3\u51fa\u624b\u4e2d\u7684\u4fe1\u6258\u57fa\u91d1\u540e\uff0c\u4ed6\u6240\u5f97\u7684\u6b3e\u9805\u5fc5\u9808\u5168\u90e8\u5b58\u5165EPF\u6236\u53e3\u5185\u3002<\/li><li>\u82e5\u6703\u54e1\u8cfc\u8cb7\u7684\u4fe1\u6258\u57fa\u91d1\u5df2\u88ab\u99ac\u4f86\u897f\u4e9e\u8ca1\u653f\u90e8\u9769\u9664\u51fa\u4fe1\u4efb\u540d\u55ae\uff0c\u4ed6\u5fc5\u9808\u99ac\u4e0a\u8ce3\u51fa\u57fa\u91d1\uff0c\u4e26\u628a\u6b3e\u9805\u5b58\u5165EPF\u7b2c\u4e00\u6236\u53e3\u3002<\/li><li>\u6703\u54e1\u5011\u7684\u6295\u8cc7\u6b3e\u9805\u4e26\u4e0d\u6b78\u7d0d\u5728\u53d7\u76ca\u4eba\u5e95\u4e0b\u3002\u82e5\u6703\u54e1\u767c\u751f\u610f\u5916\u6216\u96e2\u4e16\uff0c\u6709\u95dc\u7684\u6b3e\u9805\u4e0d\u662f\u7531\u516c\u7a4d\u91d1\u5c40\u8ca0\u8cac\uff0c\u800c\u662f\u7531\u6709\u95dc\u7684\u4fe1\u6258\u57fa\u91d1\u8ca0\u8cac\u3002<\/li><\/ol><p>Spark\u4e5f\u505a\u904e<strong>\u3010\u5982\u4f55\u5229\u7528\u516c\u7a4d\u91d1\uff08EPF\uff09\u7684\u9322\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u3011<\/strong>\u7684\u6559\u5b78\u5f71\u7247\uff0c\u6709\u8208\u8da3\u7684\u8a71\u53ef\u4ee5\u9ede\u64ca\u4ee5\u4e0b\u5f71\u7247\u4e86\u89e3\u66f4\u591a\u8a73\u60c5\uff1a<\/p><p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/WkzHLjeDm9o\" width=\"560\" height=\"450\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p><h2><span style=\"color: #262262;\"><strong>\u70ba\u4ec0\u9ebc\u4f7f\u7528i-invest\u628aEPF\u7684\u9322\u6295\u8cc7\u5728\u4fe1\u8a17\u57fa\u91d1\u6703\u66f4\u597d\uff1f<\/strong><\/span><\/h2><h6>\u00a0<\/h6><h3>#1 EPF \u6703\u54e1\u53ef\u4ee5\u81ea\u884c\u64cd\u4f5c<\/h3><h6>\u00a0<\/h6><p>EPF i-invest \u80fd\u8b93\u4f60\u81ea\u884c\u7ba1\u7406\u55ae\u4f4d\u4fe1\u6258\u57fa\u91d1\uff0c\u638c\u63e1\u4f60\u672a\u4f86\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u4e26\u8b93\u4f60\u505a\u51fa\u660e\u667a\u7684\u6c7a\u5b9a\u3002\u00a0\u4f60\u53ea\u9700\u767b\u9304EPF i-Akaun, \u900f\u904e\u7c21\u55ae\u7684\u6b65\u9a5f\u5c31\u80fd\u9078\u64c7\u81ea\u5df1\u60f3\u8981\u6295\u8cc7\u7684\u57fa\u91d1\u3002\u5e02\u5834\u88abFMI\u8a8d\u53ef\u7684\u4fe1\u8a17\u57fa\u91d1\u90fd\u5728\u9078\u9805\u4e2d\uff0c\u4f9b\u4f60\u700f\u89bd\u5e02\u5834\u4e0a\u4e0d\u540c\u7684\u57fa\u91d1\u3002<\/p><h6>\u00a0<\/h6><h3>#2 \u96a8\u6642\u5206\u6563\u6295\u8cc7<\/h3><h6>\u00a0<\/h6><p>\u5728EPF i-invest \u63a8\u51fa\u4ee5\u524d\uff0c\u6703\u54e1\u5011\u5728\u540c\u4e00\u6642\u9593\u53ea\u80fd\u9032\u884c\u4e00\u6b21\u6295\u8cc7\u3002\u82e5\u4f60\u60f3\u8981\u9032\u884c\u7b2c\u4e8c\u6b21\u6295\u8cc7\uff0c\u4f60\u5fc5\u9808\u7b49\u5f853\u500b\u6708\u7684\u6642\u9593\u3002<\/p><p>\u800c\u76ee\u524d\u7684\u65b9\u5f0f\u5247\u66f4\u5177\u5f48\u6027\uff0c\u56e0\u70bai-invest \u80fd\u8b93\u4f60\u5728\u4efb\u4f55\u6642\u9593\uff0c\u53ea\u9700\u767b\u9304EPF i-Akaun\u5c31\u80fd\u63d0\u53d6\u8cc7\u91d1\uff0c\u4e26\u81ea\u7531\u5730\u6295\u8cc7\u5728\u4e0d\u540c\u7684\u4fe1\u8a17\u57fa\u91d1\u3002<\/p><h6>\u00a0<\/h6><h3>#3 \u4f4e\u6210\u672c\u624b\u7e8c\u8cbb<\/h3><h6>\u00a0<\/h6><p>\u4f60\u53ef\u4ee5\u81ea\u884c\u64cd\u4f5c\u6295\u8cc7\u7684\u7a0b\u5e8f\uff0c\u6240\u4ee5\u4e0d\u6703\u88ab\u57fa\u91d1\u7ba1\u7406\u6a5f\u69cb\u5fb5\u8cbb\u7528\uff0c\u56e0\u6b64\u4f60\u80fd\u5920\u4ee5\u8f03\u4f4e\u6210\u672c\u9032\u884c\u4fe1\u8a17\u57fa\u91d1\u7684\u6295\u8cc7\u3002<\/p><p>\u9577\u671f\u4e0b\u4f86\uff0c\u4f60\u53ef\u4ee5\u7701\u4e0b\u4e0d\u5c11\u9322\u54e6\uff01<\/p><h6>\u00a0<\/h6><h3>#4 \u65b9\u4fbf\u76e3\u7763\u57fa\u91d1\u7684\u8868\u73fe<\/h3><h6>\u00a0<\/h6><p>\u5728\u958b\u59cb\u6295\u8cc7\u5728\u4fe1\u8a17\u57fa\u91d1\u524d\uff0c\u4f60\u53ef\u4ee5\u5728\u7db2\u4e0a\u7372\u5f97\u6709\u5229\u7684\u4fe1\u606f\u3001\u900f\u904eEPF i-invest \u5206\u6790\u5de5\u5177\u4f86\u6bd4\u8f03\u54ea\u500b\u57fa\u91d1\u8868\u73fe\u6700\u7b26\u5408\u7684\u4f60\u7684\u8ca1\u52d9\u76ee\u6a19\u3001\u4e26\u76e3\u7763\u6240\u6295\u8cc7\u7684\u4fe1\u8a17\u57fa\u91d1\u7684\u8868\u73fe\u3002<\/p><h2><strong><span style=\"color: #262262;\">\u96d6\u7136\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u6709\u8d85\u904e6%\u7684\u56de\u916c\u662f\u5f88\u597d\u7684\uff0c\u4f46\u662f\u5728\u9019\u6a23\u7684\u60c5\u6cc1\u4e0b\uff0c\u4f60\u4e0d\u61c9\u8a72\u628aEPF\u7684\u9322\u62ff\u51fa\u4f86\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>\u5982\u679c\u4eca\u65e5\u7684\u4f60\u9084\u67095-10\u5e74\u5c31\u8981\u9000\u4f11\u4e86\uff0c\u90a3\u9ebd\u9019\u500b\u9322\u5c31\u4e0d\u9069\u5408\u62ff\u4f86\u6295\u8cc7\u5728\u80a1\u7968\u57fa\u91d1\u88e1\u3002<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u4e0d\u9069\u5408\u6295\u8cc7.png\" alt=\"\u4e0d\u9069\u5408\u6295\u8cc7\" \/><\/figure><h6>\u00a0<\/h6><p>\u842c\u4e00\u4f60\u5728\u9000\u4f11\u6642\u9700\u8981\u9019\u7b46\u9322\uff0c\u9019\u6642\u537b\u525b\u597d\u9047\u5230\u4e86\u91d1\u878d\u98a8\u66b4\uff0c\u884c\u60c5\u5927\u8dcc\u5c0e\u81f4\u6295\u8cc7\u76ee\u524d\u8655\u65bc\u8667\u640d\u7684\u72c0\u614b\uff0c\u53c8\u6216\u8005\u57fa\u91d1\u8868\u73fe\u4e26\u6c92\u6709\u9054\u52306%\u7684\u56de\u916c\uff0c\u9019\u5c0d\u4f60\u4f86\u8aac\u6703\u662f\u4e00\u500b\u5de8\u5927\u7684\u640d\u5931\u3002\u00a0\u56e0\u6b64\uff0c\u5728\u63a5\u8fd1\u9000\u4f11\u5e74\u9f61\u6642\uff0c\u4f60\u5fc5\u9808\u958b\u59cb\u6e1b\u5c11\u80a1\u7968\u57fa\u91d1\u7684\u6301\u6709\u91cf\uff0c\u4ee5\u4fbf\u53ef\u4ee5\u907f\u958b\u80a1\u5e02\u4e0b\u8dcc\u7684\u98a8\u96aa\u3002<\/p><p>\u4f46\u662f\uff0c\u5982\u679c\u4f60\u9084\u670910-30\u5e74\u5de6\u53f3\u7684\u6642\u9593\u624d\u9000\u4f11\uff0c\u90a3\u5c31\u975e\u5e38\u9069\u5408\u53bb\u505a\u6295\u8cc7\u4e86\u3002<\/p><p>\u7e3d\u7684\u4f86\u8aac\uff0c\u628aEPF\u7684\u9322\u6295\u8cc7\u5728\u4fe1\u8a17\u57fa\u91d1\u53ef\u4ee5\u5e6b\u52a9\u4f60\u7372\u5f97\u66f4\u9ad8\u7684\u56de\u916c\uff0c\u4f46\u524d\u63d0\u662f\uff0c\u4f60\u5fc5\u9808\u6295\u8cc7\u8d85\u8d8a6%\u56de\u916c\u7684\u57fa\u91d1\uff0c\u9019\u7576\u4e2d\u7576\u7136\u4e5f\u5b58\u5728\u4e00\u5b9a\u7684\u98a8\u96aa\u3002<\/p><p>\u5728\u9019\u88e1\u63d0\u9192\u4f60\uff0c\u5728\u6295\u8cc7\u524d\u8acb\u505a\u597d\u8abf\u67e5\uff0c\u78ba\u4fdd\u4f60\u8981\u6295\u8cc7\u7684\u57fa\u91d1\u662f\u4ec0\u9ebd\uff0c\u4e26\u64ec\u5b9a\u4e00\u500b\u6295\u8cc7\u7b56\u7565\u8a08\u5283\uff0c\u4e4b\u5f8c\u624d\u53ef\u4ee5\u958b\u59cb\u57f7\u884c\u6295\u8cc7\u3002\u8acb\u4e0d\u8981\u5728\u4e0d\u6e05\u4e0d\u695a\u7684\u60c5\u6cc1\u4e0b\u6295\u8cc7\u3002\u5be7\u9858\u5c11\u8cfa\uff0c\u90fd\u4e0d\u8981\u56e0\u70ba\u7121\u77e5\u6216\u758f\u5ffd\u800c\u8667\u9322\uff01<\/p><h2><span style=\"color: #262262;\"><strong>\u628aEPF\u7684\u9322\u62ff\u53bb\u56de\u916c\u66f4\u597d\u7684\u4fe1\u8a17\u57fa\u91d1\uff0c\u4e0d\u4ee3\u8868\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u5c31\u4e00\u5b9a\u6709\u4fdd\u969c\u4e86\u00a0<\/strong><\/span><\/h2><h6>\u00a0<\/h6><p>\u5982\u679c\u4f60\u628aEPF\u7684\u9322\u62ff\u53bb\u6295\u8cc7\u4fe1\u8a17\u57fa\u91d1\u5f8c\uff0c\u80fd\u5920\u7372\u5f9710%\u5de6\u53f3\uff0c\u751a\u81f3\u66f4\u9ad8\u7684\u56de\u916c\uff0c\u90a3\u7684\u78ba\u662f\u4e00\u4ef6\u5f88\u68d2\u7684\u4e8b\u60c5\u3002\u4f46\u662f\uff0c\u4f60\u4e0d\u80fd\u56e0\u70ba\u9019\u6a23\u5c31\u8a8d\u70ba\uff0c\u81ea\u5df1\u7684\u9000\u4f11\u751f\u6d3b\u6703\u56e0\u70ba\u81ea\u5df1\u6709EPF\u3001\u6709\u6295\u8cc7\u5728\u4fe1\u8a17\u57fa\u91d1\uff0c\u9000\u4f11\u5f8c\u5c31\u53ef\u4ee5\u904e\u500b\u201c\u7406\u60f3\u201d\u7684\u9000\u4f11\u751f\u6d3b\uff1a\u5230\u8655\u53bb\u65c5\u884c\u3001\u5403\u904d\u5404\u5730\u7f8e\u98df\u3001\u4f4f\u5728\u90ca\u5340\u7684\u5927\u623f\u5b50\u3001\u7d93\u5e38\u8acb\u670b\u53cb\u5403\u98ef\u559d\u8336\u6558\u820a&#8230;&#8230;<\/p><figure><img decoding=\"async\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u7406\u60f3\u7684\u9000\u4f11\u751f\u6d3b.png\" alt=\"\u7406\u60f3\u7684\u9000\u4f11\u751f\u6d3b\" \/><\/figure><h6>\u00a0<\/h6><p>\u6839\u64da<a href=\"https:\/\/www.sinchew.com.my\/content\/content_2027685.html\" target=\"_blank\" rel=\"noreferrer 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src=\"https:\/\/www.youtube.com\/embed\/hq3psb-wCrc\" width=\"560\" height=\"515\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p><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: #262262;\"><strong>\u514d\u8cac\u8072\u660e<\/strong><\/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\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>\u201c \u6211\u9019\u4e00\u751f\u7576\u4e2d\u52aa\u529b\u5de5\u4f5c\uff0c\u5c31\u662f\u5e0c\u671b\u4ee5\u5f8c\u7684\u9000\u4f11\u751f\u6d3b\u53ef\u4ee5\u6709\u597d\u65e5\u5b50\u904e\uff01\u201d\u00a0\u60f3\u5fc5\u9019\u662f\u5927\u5bb6\u76ee\u524d\u5982\u6b64\u5730\u52aa\u529b\u5de5\u4f5c\u5b58\u9322\u7684\u5176\u4e2d\u4e00 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4279,"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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