{"id":50095,"date":"2023-10-04T10:37:56","date_gmt":"2023-10-04T02:37:56","guid":{"rendered":"https:\/\/valueinmind.co\/?p=50095"},"modified":"2024-01-17T08:49:42","modified_gmt":"2024-01-17T00:49:42","slug":"what-is-mutual-fund-unit-trust-fund","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/what-is-mutual-fund-unit-trust-fund\/","title":{"rendered":"\u57fa\u91d1\u662f\u4ec0\u4e48\uff1f\u5982\u4f55\u6295\u8d44\u57fa\u91d1\uff1f\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u600e\u4e48\u4e70\uff1f\u57fa\u91d1\u662f\u5982\u4f55\u8d5a\u94b1\u7684\uff1f"},"content":{"rendered":"\n<p>\u57fa\u91d1\u53ef\u4ee5\u8bf4\u662f\u5927\u90e8\u5206\u4eba\u6700\u65e9\u63a5\u89e6\u7684\u6295\u8d44\u9879\u76ee\u3002\u5f53\u6211\u4eec\u5728\u94f6\u884c\u5f00\u6237\u53e3\uff0c\u529e\u7406\u5b9a\u671f\u5b58\u6b3e\u65f6\uff0c\u94f6\u884c\u4eba\u5458\u4e00\u822c\u4e5f\u4f1a\u987a\u5e26\u4ecb\u7ecd\u94f6\u884c\u7684\u57fa\u91d1\u4ea7\u54c1\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u542c\u5230\u94f6\u884c\u4eba\u5458\u63a8\u8350\u7684\u57fa\u91d1\uff0c\u4f60\u662f\u5426\u5e38\u5e38\u4e00\u5934\u96fe\u6c34\uff1f\u7a76\u7adf\u57fa\u91d1\u662f\u4ec0\u4e48\uff1f\u5230\u5e95\u8d5a\u94b1\u5417\uff1f\u95ee\u670b\u53cb\u7684\u610f\u89c1\uff1a\u4e00\u4e9b\u4eba\u8bf4\u6295\u8d44\u57fa\u91d1\u597d\uff0c\u98ce\u9669\u88ab\u5206\u6563\uff0c\u4f4e\u98ce\u9669\u6295\u8d44\u4e0d\u7528\u6101\u3002\u4e00\u4e9b\u4eba\u53c8\u8ba4\u4e3a\u57fa\u91d1\u6536\u76ca\u592a\u4f4e\uff0c\u4e0d\u503c\u5f97\uff0c\u8fd9\u7b14\u94b1\u5b8c\u5168\u53ef\u4ee5\u6295\u8d44\u5728\u5176\u4ed6\u5730\u65b9\u3002<\/p>\n\n\n\n<p>\u6295\u8d44\u57fa\u91d1\u7709\u7709\u89d2\u89d2\u90a3\u4e48\u591a\uff0c\u7a76\u7adf\u9002\u5408\u65b0\u624b\u6295\u8d44\u5417\uff1f<\/p>\n\n\n\n<p>\u8fd9\u7bc7\u6587\u7ae0\u5c06\u548c\u4f60\u5206\u4eab\u5173\u4e8e\u57fa\u91d1\u7684\u6982\u5ff5\uff0c\u6295\u8d44\u57fa\u91d1\u6709\u4ec0\u4e48\u597d\u5904\u548c\u574f\u5904\uff1f\u5728\u9a6c\u6765\u897f\u4e9a\u5982\u4f55\u4e70\u57fa\u91d1\uff1f\u4e70\u57fa\u91d1\u7684\u6ce8\u610f\u4e8b\u9879\u7b49\u7b49\u3002\u8ba9\u4f60\u7b2c\u4e00\u6b21\u6295\u8d44\u57fa\u91d1\u4e0d\u8ff7\u832b\uff01<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u76ee\u5f55<\/h2><nav><ul><li class=\"\"><a href=\"#\u57fa\u91d1\u662f\u4ec0\u4e48\uff1f\">\u57fa\u91d1\u662f\u4ec0\u4e48\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u4e70\u57fa\u91d1\u662f\u5982\u4f55\u8d5a\u94b1\u7684\uff1f\">\u4e70\u57fa\u91d1\u662f\u5982\u4f55\u8d5a\u94b1\u7684\uff1f<\/a><ul><li class=\"\"><a href=\"#1-\u57fa\u91d1\u914d\u606f\">1.\u57fa\u91d1\u914d\u606f<\/a><\/li><li class=\"\"><a href=\"#2-\u5356\u51fa\u57fa\u91d1\u65f6\u8d5a\u7684\u5dee\u4ef7\">2.\u5356\u51fa\u57fa\u91d1\u65f6\u8d5a\u7684\u5dee\u4ef7<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u57fa\u91d1\u6295\u8d44\u56de\u62a5\u7387\">\u57fa\u91d1\u6295\u8d44\u56de\u62a5\u7387<\/a><\/li><li class=\"\"><a href=\"#\u57fa\u91d1\u8d39\u7528\">\u57fa\u91d1\u8d39\u7528<\/a><ul><li class=\"\"><a href=\"#\u4ece\u8d44\u4ea7\u51c0\u503c\uff08-net-asset-value\uff09\u76f4\u63a5\u6263\u9664\u7684\u8d39\u7528\">\u4ece\u8d44\u4ea7\u51c0\u503c\uff08Net Asset Value\uff09\u76f4\u63a5\u6263\u9664\u7684\u8d39\u7528<\/a><\/li><li class=\"\"><a href=\"#\u9700\u8981\u6211\u4eec\u5728\u53e6\u5916\u638f\u8170\u5305\u652f\u4ed8\u7684\u8d39\u7528\">\u9700\u8981\u6211\u4eec\u5728\u53e6\u5916\u638f\u8170\u5305\u652f\u4ed8\u7684\u8d39\u7528<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u6295\u8d44\u57fa\u91d1\u7684\u597d\u5904\">\u6295\u8d44\u57fa\u91d1\u7684\u597d\u5904<\/a><ul><li class=\"\"><a href=\"#\u591a\u5143\u5316\u7684\u6295\u8d44\u6807\u7684\">\u591a\u5143\u5316\u7684\u6295\u8d44\u6807\u7684<\/a><\/li><li class=\"\"><a href=\"#\u5206\u6563\u98ce\u9669\">\u5206\u6563\u98ce\u9669<\/a><\/li><li class=\"\"><a href=\"#\u7701\u65f6\u7701\u4e8b\uff0c\u7b80\u5355\u597d\u4e0a\u624b\">\u7701\u65f6\u7701\u4e8b\uff0c\u7b80\u5355\u597d\u4e0a\u624b<\/a><\/li><li class=\"\"><a href=\"#\u514d\u7a0e\">\u514d\u7a0e<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u6295\u8d44\u57fa\u91d1\u7684\u574f\u5904-\u98ce\u9669\">\u6295\u8d44\u57fa\u91d1\u7684\u574f\u5904\/\u98ce\u9669<\/a><ul><li class=\"\"><a href=\"#\u4ea4\u6613\u6210\u672c\u8f83\u9ad8\uff0c\u5f71\u54cd\u56de\u62a5\">\u4ea4\u6613\u6210\u672c\u8f83\u9ad8\uff0c\u5f71\u54cd\u56de\u62a5<\/a><\/li><li class=\"\"><a href=\"#\u6709\u7cfb\u7edf\u6027\u98ce\u9669\uff0c\u4e0d\u4fdd\u8bc1\u8d5a\u94b1\">\u6709\u7cfb\u7edf\u6027\u98ce\u9669\uff0c\u4e0d\u4fdd\u8bc1\u8d5a\u94b1<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u57fa\u91d1\u6709\u54ea\u4e9b\u79cd\u7c7b\uff1f\">\u57fa\u91d1\u6709\u54ea\u4e9b\u79cd\u7c7b\uff1f<\/a><ul><li class=\"\"><a href=\"#1-\u7ba1\u7406\u65b9\u5f0f\">1.\u7ba1\u7406\u65b9\u5f0f<\/a><ul><li class=\"\"><a href=\"#\u4e3b\u52a8\u578b\u57fa\u91d1\">\u4e3b\u52a8\u578b\u57fa\u91d1<\/a><\/li><li class=\"\"><a href=\"#\u88ab\u52a8\u578b\u57fa\u91d1\">\u88ab\u52a8\u578b\u57fa\u91d1<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#2-\u9762\u5411\u4eba\u7fa4\">2.\u9762\u5411\u4eba\u7fa4<\/a><ul><li class=\"\"><a href=\"#\u516c\u52df\u57fa\u91d1\">\u516c\u52df\u57fa\u91d1<\/a><\/li><li class=\"\"><a href=\"#\u79c1\u52df\u57fa\u91d1\">\u79c1\u52df\u57fa\u91d1<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#3-\u53d1\u884c\u56fd\u5bb6\">3.\u53d1\u884c\u56fd\u5bb6<\/a><ul><li class=\"\"><a href=\"#\u5883\u5185\u57fa\u91d1\">\u5883\u5185\u57fa\u91d1<\/a><\/li><li class=\"\"><a href=\"#\u5883\u5916\u57fa\u91d1\">\u5883\u5916\u57fa\u91d1<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#4-\u6295\u8d44\u7684\u5e02\u573a\">4.\u6295\u8d44\u7684\u5e02\u573a<\/a><ul><li class=\"\"><a href=\"#\u5355\u4e00\u56fd\u5bb6\u578b\">\u5355\u4e00\u56fd\u5bb6\u578b<\/a><\/li><li class=\"\"><a href=\"#\u533a\u57df\u578b\">\u533a\u57df\u578b<\/a><\/li><li class=\"\"><a href=\"#\u5168\u7403\u578b\">\u5168\u7403\u578b<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#5-\u6295\u8d44\u6807\u7684\">5.\u6295\u8d44\u6807\u7684<\/a><ul><li class=\"\"><a href=\"#\u80a1\u7968\u578b\u57fa\u91d1\uff08-equity-fund\uff09\">\u80a1\u7968\u578b\u57fa\u91d1\uff08Equity Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff08-money-market-fund\uff09\">\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff08Money Market Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u503a\u5238\u578b\u57fa\u91d1\uff08-bond-fund\uff09\">\u503a\u5238\u578b\u57fa\u91d1\uff08Bond Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u6307\u6570\u578b\u57fa\u91d1\uff08-index-fund\uff09\">\u6307\u6570\u578b\u57fa\u91d1\uff08Index Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u6df7\u5408\u578b\u57fa\u91d1\uff08-mixed-assets-fund\uff09\">\u6df7\u5408\u578b\u57fa\u91d1\uff08Mixed Assets Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u623f\u5730\u4ea7\u4fe1\u6258\u57fa\u91d1\uff08rei-ts\uff09\">\u623f\u5730\u4ea7\u4fe1\u6258\u57fa\u91d1\uff08REITs\uff09<\/a><\/li><li class=\"\"><a href=\"#\u907f\u9669-\u5bf9\u51b2\u57fa\u91d1\uff08-hedge-fund\uff09\">\u907f\u9669\/\u5bf9\u51b2\u57fa\u91d1\uff08Hedge Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u671f\u8d27\u57fa\u91d1\uff08-futures-fund\uff09\">\u671f\u8d27\u57fa\u91d1\uff08Futures Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u5927\u5b97\u5546\u54c1\u57fa\u91d1\uff08-commodity-fund\uff09\">\u5927\u5b97\u5546\u54c1\u57fa\u91d1\uff08Commodity Fund\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#6-\u98ce\u9669\u7a0b\u5ea6\">6.\u98ce\u9669\u7a0b\u5ea6<\/a><ul><li class=\"\"><a href=\"#\u4f4e\u98ce\u9669\uff1a\u4fdd\u5b88\u578b\u57fa\u91d1\uff08-conservative-fund\uff09\">\u4f4e\u98ce\u9669\uff1a\u4fdd\u5b88\u578b\u57fa\u91d1\uff08Conservative Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u4e2d\u7b49\u98ce\u9669\uff1a\u4e2d\u5eb8-\u7a33\u5b9a\u578b\u57fa\u91d1\uff08-moderate-fund\uff09\u6216\u79f0\u5e73\u8861\u578b\u57fa\u91d1\uff08-balanced-fund\uff09\">\u4e2d\u7b49\u98ce\u9669\uff1a\u4e2d\u5eb8\/\u7a33\u5b9a\u578b\u57fa\u91d1\uff08Moderate Fund\uff09\u6216\u79f0\u5e73\u8861\u578b\u57fa\u91d1\uff08Balanced Fund\uff09<\/a><\/li><li class=\"\"><a href=\"#\u9ad8\u98ce\u9669\uff1a\u6210\u957f\u578b\u57fa\u91d1\uff08-growth-fund\uff09\">\u9ad8\u98ce\u9669\uff1a\u6210\u957f\u578b\u57fa\u91d1\uff08Growth Fund\uff09<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u57fa\u91d1\u548c\u80a1\u7968\u7684\u533a\u522b\">\u57fa\u91d1\u548c\u80a1\u7968\u7684\u533a\u522b<\/a><\/li><li class=\"\"><a href=\"#\u8c01\u9002\u5408\u6295\u8d44\u57fa\u91d1\uff1f\">\u8c01\u9002\u5408\u6295\u8d44\u57fa\u91d1\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u5982\u4f55\u9009\u62e9\u57fa\u91d1\uff1f\">\u5982\u4f55\u9009\u62e9\u57fa\u91d1\uff1f<\/a><ul><li class=\"\"><a href=\"#\u7b2c-1-\u6b65\uff1a\u5398\u6e05\u6295\u8d44\u76ee\u6807\">\u7b2c1\u6b65\uff1a\u5398\u6e05\u6295\u8d44\u76ee\u6807<\/a><\/li><li class=\"\"><a href=\"#\u7b2c-2-\u6b65\uff1a\u67e5\u8be2\u57fa\u91d1\u8d44\u6599\uff0c\u56de\u987e\u57fa\u91d1\u8868\u73b0\">\u7b2c2\u6b65\uff1a\u67e5\u8be2\u57fa\u91d1\u8d44\u6599\uff0c\u56de\u987e\u57fa\u91d1\u8868\u73b0<\/a><\/li><li class=\"\"><a href=\"#\u7b2c-3-\u6b65\uff1a\u9009\u62e9\u4f18\u79c0\u7684\u7ba1\u7406\u56e2\u961f\">\u7b2c3\u6b65\uff1a\u9009\u62e9\u4f18\u79c0\u7684\u7ba1\u7406\u56e2\u961f<\/a><\/li><li class=\"\"><a href=\"#\u7b2c-4-\u6b65\uff1a\u6bd4\u8f83\u57fa\u91d1\u7684\u8d39\u7528\">\u7b2c4\u6b65\uff1a\u6bd4\u8f83\u57fa\u91d1\u7684\u8d39\u7528<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u4e70\u57fa\u91d1\u9700\u8981\u6ce8\u610f\u4ec0\u4e48\uff1f\u57fa\u91d1\u7684-3-\u5927\u98ce\u9669\u6307\u6807\">\u4e70\u57fa\u91d1\u9700\u8981\u6ce8\u610f\u4ec0\u4e48\uff1f\u57fa\u91d1\u76843\u5927\u98ce\u9669\u6307\u6807<\/a><ul><li class=\"\"><a href=\"#\u6807\u51c6\u5dee-standard-deviation\">\u6807\u51c6\u5dee Standard Deviation\u00a0<\/a><\/li><li class=\"\"><a href=\"#\u8d1d\u5854\u7cfb\u6570-beta\">\u8d1d\u5854\u7cfb\u6570 Beta<\/a><\/li><li class=\"\"><a href=\"#\u590f\u666e\u6bd4\u7387-sharpe-ratio\">\u590f\u666e\u6bd4\u7387 Sharpe Ratio\u00a0<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u57fa\u91d1\u6295\u8d44\u7b56\u7565\">\u57fa\u91d1\u6295\u8d44\u7b56\u7565<\/a><ul><li class=\"\"><a href=\"#\u5355\u7b14\u6295\u8d44-lump-sum-investing\">\u5355\u7b14\u6295\u8d44 Lump Sum Investing<\/a><\/li><li class=\"\"><a href=\"#\u5b9a\u671f\u5b9a\u989d\u6295\u8d44-dollar-cost-averaging\">\u5b9a\u671f\u5b9a\u989d\u6295\u8d44 Dollar Cost Averaging<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u600e\u4e48\u4e70\uff1f\">\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u600e\u4e48\u4e70\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u603b\u7ed3\">\u603b\u7ed3\u00a0<\/a><\/li><li class=\"\"><a href=\"#\u5ef6\u4f38\u9605\u8bfb\">\u5ef6\u4f38\u9605\u8bfb<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d23\u58f0\u660e\">\u514d\u8d23\u58f0\u660e<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u57fa\u91d1\u662f\u4ec0\u4e48\uff1f\"><strong>\u57fa\u91d1\u662f\u4ec0\u4e48\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u662f\u4ec0\u4e48-1024x768.jpg\" alt=\"\u57fa\u91d1 Funds\" class=\"wp-image-50107\" style=\"width:512px;height:384px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u662f\u4ec0\u4e48-1024x768.jpg 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u662f\u4ec0\u4e48-300x225.jpg 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u662f\u4ec0\u4e48-768x576.jpg 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u662f\u4ec0\u4e48-750x563.jpg 750w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u662f\u4ec0\u4e48.jpg 1140w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u6211\u4eec\u4e00\u822c\u8ba4\u77e5\u7684\u4fe1\u6258\u57fa\u91d1\uff08Unit Trust Fund\uff09\u6216\u79f0\u5171\u540c\u57fa\u91d1\uff08Mutual Fund\uff09\u5176\u5b9e\u7edf\u79f0\u5c31\u662f\u57fa\u91d1\u3002\u800c\u57fa\u91d1\u6307\u7684\u5c31\u662f<strong>\u4e00\u7fa4\u4eba\u5171\u540c\u51fa\u94b1\u96c6\u8d44<\/strong>\u8d2d\u4e70\u57fa\u91d1\u516c\u53f8\u65d7\u4e0b\u7684\u57fa\u91d1\u3002<\/p>\n\n\n\n<p>\u548c\u4e00\u822c\u6295\u8d44\u80a1\u7968\u3001\u503a\u5238\u3001ETF\u9700\u8981\u81ea\u5df1\u9009\u62e9\u6295\u8d44\u6807\u7684\uff0c\u81ea\u5df1\u7ba1\u7406\u6295\u8d44\u7ec4\u5408\u4e0d\u540c\uff0c\u8fd9\u4e9b\u8d44\u91d1\u96c6\u4e2d\u8d77\u6765\u540e\uff0c\u5c31\u4f1a<strong>\u59d4\u6258\u4e13\u4e1a\u7684\u57fa\u91d1\u7ecf\u7406<\/strong>\u6839\u636e\u7279\u5b9a\u7684\u6295\u8d44\u7b56\u7565\u5bf9\u57fa\u91d1\u8d44\u4ea7\uff0c\u5305\u62ec\u9009\u62e9\u6295\u8d44\u6807\u7684\u3001\u6267\u884c\u4ea4\u6613\uff0c<strong>\u8fdb\u884c\u7ba1\u7406\u548c\u8fd0\u4f5c<\/strong>\u3002\u5f53\u7136\uff0c\u6211\u4eec\u4e5f\u8981\u4ed8\u51fa\u4e00\u5b9a\u7684\u8d39\u7528\u4f5c\u4e3a\u59d4\u6258\u7ba1\u7406\u7684\u6210\u672c\u3002<\/p>\n\n\n\n<p>\u8fd9\u6837\u505a\u7684\u597d\u5904\u662f\u57fa\u91d1\u7ecf\u7406\u5177\u5907\u4e30\u5bcc\u7684\u6295\u8d44\u77e5\u8bc6\u548c\u7ecf\u9a8c\uff0c\u80fd\u591f\u6839\u636e\u5e02\u573a\u8d8b\u52bf\u548c\u7ecf\u6d4e\u60c5\u51b5\u505a\u51fa\u660e\u667a\u7684\u6295\u8d44\u51b3\u7b56\u3002\u5bf9\u4e8e\u6ca1\u6709\u65f6\u95f4\u6216\u4e13\u4e1a\u77e5\u8bc6\u6765\u8fdb\u884c\u5206\u6790\u7684\u4eba\u6765\u8bf4\uff0c\u57fa\u91d1\u662f\u4e00\u4e2a\u4fbf\u5229\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<p>\u5f53\u6211\u4eec\u8d2d\u4e70\u57fa\u91d1\u65f6\uff0c\u5176\u5b9e\u5c31\u50cf\u8d2d\u4e70\u4e00\u7bee\u6c34\u679c\uff0c\u5982\u80a1\u7968\u3001\u503a\u5238\u3001\u8d27\u5e01\u3001\u5546\u54c1\u548c\u4e0d\u52a8\u4ea7\u7b49\uff0c<strong>\u5206\u6563\u6295\u8d44\u4e8e\u5404\u79cd\u4e0d\u540c\u7684\u91d1\u878d\u5de5\u5177<\/strong>\uff0c\u6709\u52a9\u4e8e\u964d\u4f4e\u98ce\u9669\u3002<\/p>\n\n\n\n<p>\u901a\u4fd7\u6765\u8bf4\uff0c\u57fa\u91d1\u5c31\u662f\u5c06\u4e00\u7fa4\u4eba\u7684\u94b1\u96c6\u4e2d\u8d77\u6765\u4ea4\u7ed9\u4e13\u5bb6\uff0c\u8ba9\u4e13\u5bb6\u66ff\u5927\u5bb6\u6295\u8d44\uff0c\u8d5a\u5230\u94b1\u540e\u5927\u5bb6\u4e00\u8d77\u5206\uff0c\u4e8f\u635f\u4e86\u4e5f\u8981\u5927\u5bb6\u4e00\u8d77\u627f\u62c5\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u4e70\u57fa\u91d1\u662f\u5982\u4f55\u8d5a\u94b1\u7684\uff1f\"><strong>\u4e70\u57fa\u91d1\u662f\u5982\u4f55\u8d5a\u94b1\u7684\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e70\u57fa\u91d1\u8d5a\u94b1\u7684\u65b9\u6cd5\u6709\u4e24\u79cd\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" width=\"620\" height=\"350\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u600e\u6837\u8d5a\u94b1.jpg\" alt=\"\u4e70\u57fa\u91d1\u8d5a\u94b1\u7684\u65b9\u6cd5\" class=\"wp-image-50109\" style=\"width:465px;height:263px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u600e\u6837\u8d5a\u94b1.jpg 620w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u600e\u6837\u8d5a\u94b1-300x169.jpg 300w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-\u57fa\u91d1\u914d\u606f\" style=\"color:#009bff\"><strong>1.\u57fa\u91d1\u914d\u606f<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5f53\u57fa\u91d1\u4e2d\u7684\u6295\u8d44\u7ec4\u5408\u6536\u5230\u80a1\u606f\uff0c\u6216\u8005\u662f\u57fa\u91d1\u516c\u53f8\u628a\u6295\u8d44\u7ec4\u5408\u4e2d\u7684\u90e8\u5206\u5356\u6389\u8d5a\u5dee\u4ef7\u65f6\uff0c\u90e8\u5206\u57fa\u91d1\u516c\u53f8\u53ef\u80fd\u4f1a\u8003\u8651\u628a\u8fd9\u4e9b\u6536\u76ca\u6309\u4e00\u5b9a\u7684\u6bd4\u4f8b\u5206\u914d\u7ed9\u6295\u8d44\u4eba\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"2-\u5356\u51fa\u57fa\u91d1\u65f6\u8d5a\u7684\u5dee\u4ef7\" style=\"color:#009bff\"><strong>2.\u5356\u51fa\u57fa\u91d1\u65f6\u8d5a\u7684\u5dee\u4ef7<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u60f3\u5728\u5356\u51fa\u57fa\u91d1\u65f6\u8d5a\u5230\u5dee\u4ef7\uff0c\u5173\u952e\u5c31\u662f\u4f4e\u4e70\u9ad8\u5356\u3002<\/p>\n\n\n\n<p>\u4e70\u80a1\u7968\u65f6\u5e38\u4f1a\u6709\u4e70\u5356\u7684\u62a5\u4ef7\uff0c\u4f46\u662f\u57fa\u91d1\u4e0d\u540c\u3002\u57fa\u91d1\u7684\u4ef7\u683c\u7531\u57fa\u91d1\u7684\u51c0\u8d44\u4ea7\u4ef7\u503c\uff08NAV\uff09\u51b3\u5b9a\uff0c\u8fd9\u5305\u62ec\u57fa\u91d1\u6301\u6709\u7684\u5404\u79cd\u8d44\u4ea7\uff08\u5982\u80a1\u7968\u3001\u503a\u5238\u7b49\uff09\u7684\u4ef7\u503c\u51cf\u53bb\u57fa\u91d1\u6240\u8d1f\u62c5\u7684\u8d1f\u503a\u3002\u5355\u4f4d\u7684\u4ef7\u683c\u4e5f\u4f1a\u53d7\u5230\u53d1\u884c\u7684\u5355\u4f4d\u6570\u91cf\u7684\u5f71\u54cd\uff0c\u5355\u4f4d\u6570\u91cf\u8d8a\u591a\uff0c\u6bcf\u4e2a\u5355\u4f4d\u7684\u4ef7\u683c\u53ef\u80fd\u8d8a\u4f4e\u3002\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u57fa\u91d1\u7684\u51c0\u503c\u662f\u6bcf\u65e5\u6ce2\u52a8\u7684\u3002<\/p>\n\n\n\n<p>\u57fa\u91d1\u51c0\u503c (NAV)=(\u57fa\u91d1\u603b\u8d44\u4ea7 \u2013 \u57fa\u91d1\u603b\u8d1f\u503a) \u00f7 \u57fa\u91d1\u603b\u5355\u4f4d\u6570<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u53ea\u8981\u770b\u51c0\u503c\u7684\u4e0a\u6da8\u6216\u4e0b\u964d\uff0c\u6211\u4eec\u5c31\u80fd\u77e5\u9053\u57fa\u91d1\u662f\u8d5a\u94b1\u8fd8\u662f\u4e8f\u94b1\u3002\u4e3e\u4f8b\u800c\u8a00\uff1a<\/p>\n\n\n\n<p>\u5f53\u4f60\u4e70\u8fdb\u57fa\u91d1\u7684\u5355\u4f4d\u51c0\u503c\u662f RM 50\uff0c\u4e4b\u540e\u4f60\u5728\u51c0\u503c\u6da8\u5230 RM 60 \u65f6\u5356\u6389\uff0c\u5c31\u80fd\u8d5a\u5230 RM 10\u3002<\/p>\n\n\n\n<p>\u5f53\u4f60\u4e70\u8fdb\u57fa\u91d1\u7684\u5355\u4f4d\u51c0\u503c\u662f RM 50\uff0c\u4e4b\u540e\u4f60\u5728\u51c0\u503c\u8dcc\u5230 RM 20\u65f6\u5356\u6389\uff0c\u8fd9\u5c31\u4f1a\u4e8f\u635f RM 30\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u57fa\u91d1\u6295\u8d44\u56de\u62a5\u7387\"><strong>\u57fa\u91d1\u6295\u8d44\u56de\u62a5\u7387<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u57fa\u91d1\u7684\u56de\u62a5\u7387\u4f1a\u56e0\u4e3a\u5404\u4e2a\u57fa\u91d1\u7684\u6295\u8d44\u6807\u7684\u3001\u533a\u57df\u7b49\u5f71\u54cd\u800c\u5bfc\u81f4\u56de\u62a5\u9ad8\u4f4e\u4e0d\u540c\uff0c\u751a\u81f3\u57fa\u91d1\u7684\u6210\u7acb\u65f6\u95f4\u90fd\u4f1a\u5f71\u54cd\u5230\u56de\u62a5\u7387\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u5728\u8ba8\u8bba\u57fa\u91d1\u56de\u62a5\u7387\u65f6\uff0c\u6700\u597d\u662f\u4ece\u957f\u671f\u7684\u5e73\u5747\u503c\u6765\u770b\uff0c\u56e0\u4e3a\u77ed\u671f\u7684\u5e73\u5747\u503c\u504f\u5dee\u4f1a\u6bd4\u8f83\u5927\u3002<\/p>\n\n\n\n<p>\u4ef7\u503c\u601d\u7ef4\u63a8\u8350\u4f60\u5982\u679c\u60f3\u8981\u67e5\u770b\u57fa\u91d1\u7684\u5e74\u5316\u56de\u62a5\u7387\uff08Return on Investment\uff0cROI\uff09\uff0c\u53ef\u4ee5\u4ece3\u5e74\u30015\u5e74\u300110\u5e74\u300120\u5e74\u7684\u7ef4\u5ea6\u6765\u770b\u3002<\/p>\n\n\n\n<p>\u4f60\u53ef\u4ee5\u5230\u627e\u5230\u6bcf\u4e00\u6863\u57fa\u91d1\u7684\u5e74\u56de\u62a5\u7387\u3002<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/my.morningstar.com\/my\/screener\/fund.aspx#?filtersSelectedValue=%7B%7D&amp;sortField=legalName&amp;sortOrder=asc\" target=\"_blank\" rel=\"noreferrer noopener\">MorningStar\u7f51\u7ad9<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fsmone.com.my\/funds\/tools\/best-and-worst-performers\" target=\"_blank\" rel=\"noreferrer noopener\">FSMOne<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u4ef7\u503c\u601d\u7ef4\u4e5f\u4e3a\u4f60\u6574\u7406\u4e862023\u5e74\u8868\u73b0\u6700\u597d\uff0c\u56de\u62a5\u7387\u6700\u9ad8\u7684\u57fa\u91d1\uff0c\u70b9\u51fb\u9605\u8bfb\uff1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-\u50f9\u503c\u601d\u7dad wp-block-embed-\u50f9\u503c\u601d\u7dad\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"HWBUwCZ7ac\"><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-best-performing-funds\/\">\u30102024\u5e74\u3011\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u6392\u540d TOP 5 \u8868\u73b0\u6700\u597d\u7684\u57fa\u91d1\uff01\u57fa\u91d1\u56de\u62a5\u7387\u8d85\u8fc7 6%\uff01<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;\u30102024\u5e74\u3011\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u6392\u540d TOP 5 \u8868\u73b0\u6700\u597d\u7684\u57fa\u91d1\uff01\u57fa\u91d1\u56de\u62a5\u7387\u8d85\u8fc7 6%\uff01&#8221; &#8212; \u50f9\u503c\u601d\u7dad\" src=\"https:\/\/valueinmind.co\/zh\/malaysia-best-performing-funds\/embed\/#?secret=0udqFFxSKH#?secret=HWBUwCZ7ac\" data-secret=\"HWBUwCZ7ac\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u57fa\u91d1\u8d39\u7528\"><strong>\u57fa\u91d1\u8d39\u7528<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7531\u4e8e\u57fa\u91d1\u662f\u59d4\u6258\u57fa\u91d1\u7ecf\u7406\u6765\u7ba1\u7406\u7684\uff0c\u6211\u4eec\u81ea\u7136\u4e5f\u9700\u8981\u4e3a\u4ed6\u4eec\u7684\u4e13\u4e1a\u800c\u4ed8\u8d39\u3002\u8d2d\u4e70\u57fa\u91d1\u65f6\uff0c\u6211\u4eec\u901a\u5e38\u9700\u8981\u652f\u4ed8\u8fd9\u7b14\u8d39\u7528\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" width=\"900\" height=\"500\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u8d39\u7528.jpeg\" alt=\"\u57fa\u91d1\u8d39\u7528\" class=\"wp-image-50111\" style=\"width:450px;height:250px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u8d39\u7528.jpeg 900w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u8d39\u7528-300x167.jpeg 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u8d39\u7528-768x427.jpeg 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u8d39\u7528-750x417.jpeg 750w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4ece\u8d44\u4ea7\u51c0\u503c\uff08-net-asset-value\uff09\u76f4\u63a5\u6263\u9664\u7684\u8d39\u7528\" style=\"color:#009bff\"><strong>\u4ece\u8d44\u4ea7\u51c0\u503c\uff08Net Asset Value\uff09\u76f4\u63a5\u6263\u9664\u7684\u8d39\u7528<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>1.\u7ba1\u7406\u8d39\u7528\uff08Management Fee\uff09\uff1a\u4e00\u822c\u662f\u8d44\u4ea7\u51c0\u503c\u7684 1% -2%\uff0c\u6309\u5e74\u6536\u8d39<\/p>\n\n\n\n<p>2.\u6258\u7ba1\u8d39\u7528\uff08Trustee Fee\uff09\uff1a\u4e00\u822c\u662f\u8d44\u4ea7\u51c0\u503c\u7684 0.04% -1%\uff0c\u6309\u5e74\u6536\u8d39<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u9700\u8981\u6211\u4eec\u5728\u53e6\u5916\u638f\u8170\u5305\u652f\u4ed8\u7684\u8d39\u7528\" style=\"color:#009bff\"><strong>\u9700\u8981\u6211\u4eec\u5728\u53e6\u5916\u638f\u8170\u5305\u652f\u4ed8\u7684\u8d39\u7528<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>1.\u624b\u7eed\u8d39\uff08Sales Charge\uff09\uff1a\u5f53\u4f60\u8d2d\u4e70\u57fa\u91d1\uff0c\u6216\u8ffd\u52a0\u6295\u8d44\u989d\u65f6\uff0c\u6bcf\u7b14\u4ea4\u6613\u5c06\u5f81\u6536 0% -0.7%<\/p>\n\n\n\n<p>2.\u56de\u8d2d\u8d39\uff08Repurchase Fee\uff09\uff1a\u5f53\u4f60\u5356\u51fa\u5355\u4f4d\u65f6\uff0c\u5c06\u6839\u636e\u4f60\u5356\u51fa\u5355\u4f4d\u7684\u603b\u503c\u6536\u53d6 0% &#8211; 2% \u7684\u8d39\u7528<\/p>\n\n\n\n<p>3.\u8f6c\u6362\u8d39\uff08Switching Fee\uff09\uff1a\u5f53\u4f60\u60f3\u8c03\u6574\u6295\u8d44\u7ec4\u5408\uff0c\u5c06\u5df2\u8d2d\u4e70\u7684\u67d0\u53ea\u57fa\u91d1\u4efd\u989d\u8f6c\u6362\u6210\u540c\u4e00\u57fa\u91d1\u516c\u53f8\u65d7\u4e0b\u7684\u53e6\u4e00\u53ea\u57fa\u91d1\uff0c\u6839\u636e\u4e0d\u540c\u57fa\u91d1\u516c\u53f8\u7684\u6761\u89c4\u5c06\u6536\u53d6\u5927\u7ea6 0% -2%\u7684\u8f6c\u6362\u8d39\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u6295\u8d44\u57fa\u91d1\u7684\u597d\u5904\"><strong>\u6295\u8d44\u57fa\u91d1\u7684\u597d\u5904<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u591a\u5143\u5316\u7684\u6295\u8d44\u6807\u7684\" style=\"color:#009bff\"><strong>\u591a\u5143\u5316\u7684\u6295\u8d44\u6807\u7684<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e00\u4e9b\u6295\u8d44\u6807\u7684\u53ea\u662f\u9650\u8d44\u4ea7\u96c4\u539a\u7684\u4eba\u53c2\u4e0e\u7684\uff0c\u5982\u679c\u6211\u4eec\u7684\u8d44\u91d1\u6bd4\u8f83\u5c11\u4e00\u822c\u4e0a\u90fd\u4f1a\u65e0\u7f18\u6295\u8d44\u8be5\u4ea7\u54c1\uff0c\u6bd4\u5982\uff1a\u4e00\u4e9b\u503a\u5238\u5c31\u53ea\u5f00\u653e\u7ed9\u9ad8\u51c0\u503c\u4eba\u58eb\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5982\u679c\u4f60\u901a\u8fc7\u5238\u5546\u5e73\u53f0\u8d2d\u4e70\u80a1\u7968\uff0c\u6211\u4eec\u666e\u904d\u4e0a\u53ea\u80fd\u4e70\u5230\u7f8e\u80a1\u3001\u6e2f\u80a1\u6216\u65b0\u80a1\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\u901a\u8fc7\u57fa\u91d1\uff0c\u6211\u4eec\u53ef\u4ee5\u53c2\u4e0e\u5230\u4e0d\u540c\u7684\u6295\u8d44\u6807\u7684\uff0c\u751a\u81f3\u662f\u4e0d\u540c\u7684\u5e02\u573a\u5f53\u4e2d\uff0c\u5982\uff1a\u65e5\u672c\u3001\u6b27\u6d32\u6216\u8005\u4e00\u4e9b\u65b0\u5174\u5e02\u573a\uff0c\u5e2e\u52a9\u6211\u4eec\u6316\u6398\u66f4\u591a\u7684\u6295\u8d44\u673a\u4f1a\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5206\u6563\u98ce\u9669\" style=\"color:#009bff\"><strong>\u5206\u6563\u98ce\u9669<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7531\u4e8e\u57fa\u91d1\u6295\u8d44\u4e8e\u5404\u5f0f\u5404\u6837\u7684\u6295\u8d44\u6807\u7684\uff0c\u6bd4\u5982\uff1a\u80a1\u7968\u3001\u503a\u5238\u3001\u623f\u5730\u4ea7\u7b49\uff0c\u4e5f\u53ef\u80fd\u6db5\u76d6\u4e0d\u540c\u884c\u4e1a\u548c\u5730\u533a\uff0c\u56e0\u6b64\u80fd\u591f\u5e2e\u52a9\u6211\u4eec\u66f4\u597d\u5730\u5e73\u8861\u98ce\u9669\u548c\u56de\u62a5\uff0c\u5b9e\u73b0\u201c\u9e21\u86cb\u4e0d\u653e\u5728\u540c\u4e00\u4e2a\u7bee\u5b50\u91cc\u201d\u7684\u76ee\u7684\u3002<\/p>\n\n\n\n<p>\u5f53\u4e00\u4e2a\u7279\u5b9a\u6295\u8d44\u6807\u7684\u53d7\u5230\u5e02\u573a\u6ce2\u52a8\u7684\u5f71\u54cd\u65f6\uff0c\u5176\u4ed6\u6295\u8d44\u6807\u7684\u53ef\u80fd\u4f1a\u8868\u73b0\u66f4\u7a33\u5b9a\u6216\u8005\u8868\u73b0\u5f97\u66f4\u597d\u3002\u901a\u8fc7\u8fd9\u79cd\u5206\u6563\u98ce\u9669\u7684\u7b56\u7565\uff0c\u53ef\u4ee5\u51cf\u8f7b\u6574\u4f53\u6295\u8d44\u7ec4\u5408\u7684\u6ce2\u52a8\u6027\uff0c\u5e2e\u52a9\u6211\u4eec\u66f4\u6709\u6548\u5730\u7ba1\u7406\u98ce\u9669\uff0c\u540c\u65f6\u4fdd\u6301\u6295\u8d44\u7684\u957f\u671f\u589e\u957f\u76ee\u6807\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7701\u65f6\u7701\u4e8b\uff0c\u7b80\u5355\u597d\u4e0a\u624b\" style=\"color:#009bff\"><strong>\u7701\u65f6\u7701\u4e8b\uff0c\u7b80\u5355\u597d\u4e0a\u624b<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7531\u4e8e\u57fa\u91d1\u662f\u4ea4\u7ed9\u4e13\u4e1a\u7684\u7ecf\u7406\u4eba\u7ba1\u7406\uff0c\u56e0\u6b64<strong>\u9002\u5408\u6ca1\u6709\u65f6\u95f4\u505a\u529f\u8bfe\u7814\u7a76\uff0c\u7ba1\u7406\u6295\u8d44\u7ec4\u5408\u7684\u4eba\u6216\u5bf9\u6295\u8d44\u4e0d\u592a\u4e86\u89e3\u7684\u65b0\u624b<\/strong>\u6765\u8bf4\uff0c\u6211\u4eec\u552f\u4e00\u8981\u505a\u7684\u5c31\u662f\u9009\u62e9\u57fa\u91d1\uff0c\u4e0d\u7528\u53bb\u7ba1\u4e70\u5356\u7684\u65f6\u673a\uff0c\u4e0d\u7528\u7d27\u8ddf\u70ed\u70b9\u65f6\u4e8b\uff0c\u7701\u65f6\u7701\u4e8b\u800c\u4e14\u8fd8\u7b80\u5355\u8fd8\u4e0a\u624b\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u5bf9\u4e8e\u559c\u6b22\u81ea\u5df1\u4e3b\u52a8\u7ba1\u7406\u6295\u8d44\u7684\u65b9\u5411\u3001\u7b56\u7565\u7b49\u7684\u4eba\u7fa4\uff0c\u90a3\u4e48\u57fa\u91d1\u53ef\u80fd\u5c31\u4e0d\u592a\u9002\u5408\u4f60\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u514d\u7a0e\" style=\"color:#009bff\"><strong>\u514d\u7a0e<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u653f\u5e9c\u57282024\u5e741\u670816\u65e5\u5ba3\u5e03\uff0c\u4ece2024\u5e741\u67081\u65e5\u81f32028\u5e7412\u670831\u65e5<strong><a href=\"https:\/\/www.enanyang.my\/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB\/%E4%BF%A1%E6%89%98%E5%9F%BA%E9%87%912%E5%A4%A7%E5%88%A9%E5%A5%BD%E6%B6%88%E6%81%AF-5%E5%B9%B4%E5%85%8D%E5%88%A9%E5%BE%97%E7%A8%8E%C2%B7%E6%B5%B7%E5%A4%96%E6%94%B6%E5%85%A53%E5%B9%B4%E5%85%8D%E7%A8%8E\" target=\"_blank\" rel=\"noopener\">\u8c41\u514d\u5f81\u6536\u5355\u4f4d\u4fe1\u6258\u7684\u8d44\u672c\u5229\u5f97\u7a0e\uff08Capital Gains Tax\uff09<\/a><\/strong>\uff1b\u4ece2024\u5e741\u67081\u65e5\u81f32026\u5e7412\u670831\u65e5<strong>\u4fe1\u6258\u57fa\u91d1\u6e90\u81ea\u6d77\u5916\u7684\u6536\u5165\uff08FSI\uff09\u514d\u7a0e<\/strong>\u3002\u8fd9\u610f\u5473\u7740\u6211\u4eec\u80fd\u591f\u5f97\u5230\u66f4\u9ad8\u6bd4\u4f8b\u7684\u57fa\u91d1\u6536\u76ca\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u6295\u8d44\u57fa\u91d1\u7684\u574f\u5904-\u98ce\u9669\"><strong>\u6295\u8d44\u57fa\u91d1\u7684\u574f\u5904\/\u98ce\u9669<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4ea4\u6613\u6210\u672c\u8f83\u9ad8\uff0c\u5f71\u54cd\u56de\u62a5\" style=\"color:#009bff\"><strong>\u4ea4\u6613\u6210\u672c\u8f83\u9ad8\uff0c\u5f71\u54cd\u56de\u62a5<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u867d\u7136\u6295\u8d44\u57fa\u91d1\u7684\u5165\u91d1\u95e8\u69db\u8f83\u4f4e\uff0c\u4f46\u662f\u548c\u81ea\u5df1\u6253\u7406\u80a1\u7968\u76f8\u6bd4\uff0c\u7531\u4e8e\u57fa\u91d1\u7531\u4e13\u4eba\u7ba1\u7406\uff0c\u6211\u4eec\u4e0d\u5f97\u4e0d\u4ed8\u51fa\u989d\u5916\u7684\u4e00\u7b14\u7ba1\u7406\u8d39\u3001\u6258\u7ba1\u8d39\u3001\u624b\u7eed\u8d39\u7b49\uff0c\u6210\u672c\u76f8\u5bf9\u66f4\u9ad8\u3002\u6b64\u5916\uff0c\u57fa\u91d1\u7684\u6295\u8d44\u95e8\u69db\u4e5f\u76f8\u5bf9\u8f83\u9ad8\uff0c\u4e00\u822c\u4ece RM 500 &#8211; RM 1,000 \u5f00\u59cb\u8d77\u6295\uff0c\u548c<a href=\"https:\/\/valueinmind.co\/zh\/how-to-start-investing-in-malaysia-stock-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e70\u9a6c\u80a1<\/a>\u5dee\u4e0d\u591a\u3002\u4f46\u662f\uff0c\u8bc1\u5238\u76d1\u7763\u59d4\u5458\u4f1a\u5ba3\u5e03\u5238\u5546\u53ef\u4ee5\u5f00\u653e<a href=\"https:\/\/www.sinchew.com.my\/?p=4967408\" target=\"_blank\" rel=\"noreferrer noopener\">\u96f6\u80a1\u4ea4\u6613<\/a>\u3002\u5982\u679c\u4f60\u7684\u5238\u5546\u5141\u8bb8\u96f6\u80a1\u4ea4\u6613\uff0c\u90a3\u4e48\u4ea4\u6613\u80a1\u7968\u5c31\u4f1a\u6bd4\u57fa\u91d1\u4fbf\u5b9c\u3002\u9664\u975e\u662f\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff0c\u6700\u4f4e\u5165\u91d1\u95e8\u69db\u5c31\u6bd4\u8f83\u4f4e\uff0c\u5927\u7ea6\u662f RM 10\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e9b\u6210\u672c\u4f1a\u8ba9\u57fa\u91d1\u7684\u56de\u62a5\u5927\u6253\u6298\u6263\u3002\u70b9\u51fb\u8fd9\u91cc\u8df3\u8f6c\u5230\u3010\u5982\u4f55\u9009\u62e9\u57fa\u91d1\uff1f\u3011\u7684\u7b2c\u56db\u6b65\uff1a\u6bd4\u8f83\u57fa\u91d1\u7684\u8d39\u7528\uff0c\u67e5\u770b\u8fd9\u4e9b\u6210\u672c\u5982\u4f55\u5f71\u54cd\u57fa\u91d1\u7684\u5b9e\u9645\u56de\u916c\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6709\u7cfb\u7edf\u6027\u98ce\u9669\uff0c\u4e0d\u4fdd\u8bc1\u8d5a\u94b1\" style=\"color:#009bff\"><strong>\u6709\u7cfb\u7edf\u6027\u98ce\u9669\uff0c\u4e0d\u4fdd\u8bc1\u8d5a\u94b1<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u57fa\u91d1\u662f\u4e00\u9879\u6295\u8d44\uff0c\u65e0\u8bba\u4efb\u4f55\u6295\u8d44\u6709\u8d5a\u4e00\u5b9a\u4e5f\u4f1a\u6709\u8d54\uff0c\u4e0d\u53ef\u80fd\u767e\u5206\u767e\u7a33\u59a5\u3002\u56e0\u4e3a\u5e02\u573a\u5177\u6709\u98ce\u9669\uff0c\u5373\u4f7f\u98ce\u9669\u518d\u5c0f\u4e5f\u4e0d\u4ee3\u8868\u6ca1\u6709\u98ce\u9669\u3002<\/p>\n\n\n\n<p>\u57fa\u91d1\u4f1a\u9762\u4e34\u7684\u98ce\u9669\u5305\u62ec\uff1a\u5e02\u573a\u98ce\u9669\u3001\u6c47\u7387\u98ce\u9669\u3001\u5229\u7387\u98ce\u9669\uff08\u5f71\u54cd\u6700\u4e25\u91cd\u7684\u662f\u503a\u5238\u578b\u57fa\u91d1\uff09\u3001\u57fa\u91d1\u6e05\u76d8\u6216\u5408\u5e76\u7684\u98ce\u9669\u7b49\u7b49\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u57fa\u91d1\u6709\u54ea\u4e9b\u79cd\u7c7b\uff1f\"><strong>\u57fa\u91d1\u6709\u54ea\u4e9b\u79cd\u7c7b\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u6b63\u5f0f\u6295\u8d44\u57fa\u91d1\u524d\uff0c\u6211\u4eec\u9700\u8981\u77e5\u9053\u57fa\u91d1\u6709\u54ea\u4e9b\u79cd\u7c7b\uff0c\u624d\u6709\u53ef\u80fd\u9009\u62e9\u5230\u6700\u5408\u9002\u7684\u57fa\u91d1\uff0c\u6210\u529f\u8d5a\u5230\u94b1\u3002<\/p>\n\n\n\n<p>\u57fa\u91d1\u53ef\u4ee5\u6839\u636e\u4e94\u4e2a\u5c42\u9762\u6765\u5212\u5206\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-\u7ba1\u7406\u65b9\u5f0f\" style=\"color:#009bff\"><strong>1.\u7ba1\u7406\u65b9\u5f0f<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4e3b\u52a8\u578b\u57fa\u91d1\"><strong>\u4e3b\u52a8\u578b\u57fa\u91d1<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7531\u57fa\u91d1\u7ecf\u7406\u4e3b\u7ba1\u9009\u62e9\u6295\u8d44\u6807\u7684\uff0c\u51b3\u5b9a\u8fdb\u51fa\u573a\u7684\u65f6\u673a\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u88ab\u52a8\u578b\u57fa\u91d1\"><strong>\u88ab\u52a8\u578b\u57fa\u91d1<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8ffd\u8e2a\u5927\u76d8\u6307\u6570\u6765\u83b7\u5f97\u548c\u5927\u76d8\u6307\u6570\u76f8\u4f3c\u7684\u6548\u76ca\uff0c\u6295\u8d44\u5728\u7279\u5b9a\u7684\u6210\u5206\u80a1\u4e2d\uff0c\u5982\uff1aETF\u5c31\u5c5e\u4e8e\u88ab\u52a8\u578b\u57fa\u91d1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"2-\u9762\u5411\u4eba\u7fa4\" style=\"color:#009bff\"><strong>2.\u9762\u5411\u4eba\u7fa4<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u516c\u52df\u57fa\u91d1\"><strong>\u516c\u52df\u57fa\u91d1<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u516c\u52df\u57fa\u91d1\u53c8\u79f0\u5171\u540c\u57fa\u91d1\uff08Mutual Fund\uff09\uff0c\u662f\u9762\u5411\u5927\u4f17\u516c\u5f00\u53d1\u884c\u7684\u57fa\u91d1\u3002\u4e00\u822c\u800c\u8a00\uff0c\u516c\u52df\u57fa\u91d1\u9700\u8981\u7684\u8d44\u91d1\u95e8\u69db\u8f83\u4f4e\uff0c\u6bd4\u8f83\u9002\u5408\u666e\u901a\u4eba\u3002\u56e0\u4e3a\uff0c\u4f60\u8ba4\u4e3a\u5411\u4e00\u4e2a\u4eba\u501f RM 10,000 \u5bb9\u6613\uff0c\u8fd8\u662f\u5411\u4e00\u767e\u4e2a\u4eba\uff0c\u6bcf\u4eba\u501f RM 100 \u5bb9\u6613\uff1f\u6240\u4ee5\uff0c\u516c\u52df\u57fa\u91d1\u7b79\u96c6\u94b1\u4e5f\u76f8\u5bf9\u5bb9\u6613\uff0c\u6bcf\u4e2a\u4eba\u7684\u6700\u4f4e\u6295\u8d44\u989d\u5c31\u964d\u4f4e\u4e86\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u79c1\u52df\u57fa\u91d1\"><strong>\u79c1\u52df\u57fa\u91d1<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u79c1\u52df\u57fa\u91d1\uff0c\u82f1\u6587\u662f Private Equity \uff0c\u4e00\u822c\u662f\u79c1\u4eba\u5c01\u95ed\u6027\u7684\uff0c\u53ea\u5f00\u653e\u7ed9\u8d44\u91d1\u8f83\u4e3a\u96c4\u539a\u7684\u4eba\u7fa4\uff0c\u6295\u8d44\u91d1\u989d\u4ece\u51e0\u5341\u4e07\u8d77\u8df3\u3002\u6bd4\u5982\uff1a\u907f\u9669\u57fa\u91d1\u6216\u79f0\u5bf9\u51b2\u57fa\u91d1\uff08Hedge Fund\uff09\u5c31\u662f\u79c1\u52df\u57fa\u91d1\u7684\u4e00\u79cd\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"3-\u53d1\u884c\u56fd\u5bb6\" style=\"color:#009bff\"><strong>3.\u53d1\u884c\u56fd\u5bb6<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u5883\u5185\u57fa\u91d1\"><strong>\u5883\u5185\u57fa\u91d1<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u9a6c\u6765\u897f\u4e9a\u6ce8\u518c\u7684\u5c31\u53eb\u5883\u5185\u57fa\u91d1\uff0c\u4f46\u6295\u8d44\u4e0d\u4ec5\u9650\u4e8e\u56fd\u5185\u8303\u56f4\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u5883\u5916\u57fa\u91d1\"><strong>\u5883\u5916\u57fa\u91d1<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6ce8\u518c\u5728\u9a6c\u6765\u897f\u4e9a\u4ee5\u5916\u5730\u533a\u7684\u57fa\u91d1\u5c31\u53eb\u5883\u5916\u57fa\u91d1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"4-\u6295\u8d44\u7684\u5e02\u573a\" style=\"color:#009bff\"><strong>4.\u6295\u8d44\u7684\u5e02\u573a<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6839\u636e\u57fa\u91d1\u4e3b\u8981\u6295\u8d44\u5728\u54ea\u4e9b\u5e02\u573a\uff0c\u5206\u4e3a\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u5355\u4e00\u56fd\u5bb6\u578b\"><strong>\u5355\u4e00\u56fd\u5bb6\u578b<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u610f\u601d\u662f\u53ea\u4e13\u6ce8\u4e8e\u7279\u5b9a\u7684\u4e00\u4e2a\u56fd\u5bb6\u3002\u5982\u679c\u4f60\u770b\u597d\u4e00\u4e2a\u56fd\u5bb6\uff0c\u4f60\u53ef\u4ee5\u9009\u62e9\u53ea\u6295\u8d44\u4e8e\u5728\u8be5\u56fd\u7684\u57fa\u91d1\uff0c\u5982\uff1aAHAM World Series &#8211; Japan Growth Fund \u5c31\u662f\u4e13\u6ce8\u6295\u8d44\u4e8e\u65e5\u672c\u7684\u57fa\u91d1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u533a\u57df\u578b\"><strong>\u533a\u57df\u578b<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u9501\u5b9a\u5728\u90e8\u5206\u533a\u57df\uff0c\u5982\uff1aPrincipal Islamic Asia Pacific Dynamic Equity Fund \u5c31\u662f\u6295\u8d44\u5728\u4e9a\u592a\u5730\u533a\u7684\u57fa\u91d1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u5168\u7403\u578b\"><strong>\u5168\u7403\u578b<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e70\u5165\u4e00\u6863\u57fa\u91d1\uff0c\u4e00\u6b21\u6027\u53ef\u53c2\u4e0e\u5230\u7f8e\u56fd\u3001\u6b27\u6d32\u3001\u4e9a\u6d32\u7b49\u5730\u533a\uff0c\u53c2\u4e0e\u5230\u5168\u7403\u7ecf\u6d4e\u7684\u5927\u52a8\u8109\u4e4b\u4e2d\uff0c\u5982\uff1aManulife Global Thematic Fund\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"5-\u6295\u8d44\u6807\u7684\" style=\"color:#009bff\"><strong>5.\u6295\u8d44\u6807\u7684<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u80a1\u7968\u578b\u57fa\u91d1\uff08-equity-fund\uff09\"><strong>\u80a1\u7968\u578b\u57fa\u91d1\uff08Equity Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u80a1\u7968\u578b\u57fa\u91d1\u4e3b\u8981\u6295\u8d44\u4e8e\u80a1\u7968\u5e02\u573a\u3002\u56e0\u80a1\u7968\u5e02\u573a\u6ce2\u52a8\u5927\uff0c\u6240\u4ee5\u98ce\u9669\u8f83\u9ad8\uff0c\u4f46\u6f5c\u5728\u56de\u62a5\u4e5f\u8f83\u9ad8\uff0c\u9002\u5408\u54ea\u4e9b\u5e0c\u671b\u8d44\u672c\u589e\u503c\u7684\u4eba\u7fa4\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff08-money-market-fund\uff09\"><strong>\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff08Money Market Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\u4e3b\u8981\u6295\u8d44\u4e8e\u77ed\u671f\u3001\u4f4e\u98ce\u9669\u7684\u8d27\u5e01\u5e02\u573a\u5de5\u5177\u3002\u548c\u4f4e\u98ce\u9669\u6210\u6b63\u6bd4\u7684\u662f\u56de\u62a5\u4e5f\u8f83\u4f4e\uff0c\u4e3b\u8981\u76ee\u7684\u662f\u4e3a\u4e86\u4fdd\u672c\u548c\u83b7\u53d6\u5fae\u8584\u7684\u6536\u76ca\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u8350\u9605\u8bfb\uff1a<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-money-market-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Money Market Fund\u662f\u4ec0\u4e48\uff1f\u8d27\u5e01\u57fa\u91d1\u6709\u98ce\u9669\u5417\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/what-is-tng-goinvest\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4ec0\u4e48\u662fTNG GO Invest\uff1f\u5e74\u5229\u606f3.95%\uff0c\u503c\u5f97\u6295\u8d44\u5417\uff1f<\/a><\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/touch-n-go-investment\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Touch n Go\u63a8\u51faGO+ \u53ea\u9700RM10\u5c31\u80fd\u6295\u8cc7\uff01\u4e00\u6587\u770b\u61c2 GO+ \u5c0f\u984d\u6295\u8cc7\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u503a\u5238\u578b\u57fa\u91d1\uff08-bond-fund\uff09\"><strong>\u503a\u5238\u578b\u57fa\u91d1\uff08Bond Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e3b\u8981\u6295\u8d44\u4e8e\u503a\u5238\u5e02\u573a\uff0c\u4ee5\u83b7\u53d6\u56fa\u5b9a\u7684\u5229\u606f\u6536\u76ca\uff0c\u98ce\u9669\u8981\u89c6\u503a\u5238\u7684\u8bc4\u7ea7\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u8350\u9605\u8bfb\uff1a<\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/why-invest-in-bond\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u50b5\u5238\u662f\u4ec0\u9ebc\uff1f\u6bd4FD\u66f4\u597d\u7684\u6295\u8cc7\uff1f<\/a><\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/how-to-use-rm1000-invest-in-bond\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5982\u4f55\u5728\u99ac\u4f86\u897f\u4e9e\u4ee5RM1,000 \u6295\u8cc7\u50b5\u5238\uff082023\u6295\u8cc7\u50b5\u5238\u7684\u6700\u4f73\u6642\u6a5f\uff09<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u6307\u6570\u578b\u57fa\u91d1\uff08-index-fund\uff09\"><strong>\u6307\u6570\u578b\u57fa\u91d1\uff08Index Fund\uff09<\/strong><\/h4>\n\n\n\n<p>\u6307\u6570\u578b\u57fa\u91d1\u548c ETF \u7c7b\u4f3c\uff0c\u5b83\u4eec\u4e00\u6837\u8ffd\u8e2a\u7279\u5b9a\u5e02\u573a\u6307\u6570\u7684\u57fa\u91d1\uff0c\u6bd4\u5982\uff1aS&amp;P 500 \u65e8\u5728\u83b7\u5f97\u4e0e\u5e02\u573a\u8868\u73b0\u76f8\u4f3c\u7684\u56de\u62a5\uff0c\u901a\u5e38\u98ce\u9669\u90fd\u6bd4\u8f83\u4f4e\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u8350\u9605\u8bfb\uff1a<\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-us-etf-compilation\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u5168\u7db2\u6700\u5168\u3011\u99ac\u4f86\u897f\u4e9e\u548c\u7f8e\u570bETF\u6709\u54ea\u4e9b\uff1f\u5982\u4f55\u6295\u8cc7ETF\uff1f<\/a><\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/what-is-etf\/\" target=\"_blank\" rel=\"noreferrer noopener\">\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><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u6df7\u5408\u578b\u57fa\u91d1\uff08-mixed-assets-fund\uff09\"><strong>\u6df7\u5408\u578b\u57fa\u91d1\uff08Mixed Assets Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6df7\u5408\u578b\u57fa\u91d1\u53ef\u4ee5\u540c\u65f6\u6295\u8d44\u4e8e\u80a1\u7968\u3001\u503a\u5238\u7b49\u4e0d\u540c\u8d44\u4ea7\u7c7b\u522b\uff0c\u4ee5\u5b9e\u73b0\u98ce\u9669\u5206\u6563\u548c\u8d44\u672c\u589e\u503c\uff0c\u4e0d\u8fc7\u98ce\u9669\u56e0\u8d44\u4ea7\u914d\u7f6e\u7684\u6bd4\u4f8b\u800c\u5f02\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u623f\u5730\u4ea7\u4fe1\u6258\u57fa\u91d1\uff08rei-ts\uff09\"><strong>\u623f\u5730\u4ea7\u4fe1\u6258\u57fa\u91d1\uff08REITs\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6295\u8d44\u4e8e\u623f\u5730\u4ea7\u76f8\u5173\u8d44\u4ea7\uff0c\u5982\u5546\u4e1a\u7269\u4e1a\u3001\u4f4f\u5b85\u7b49\uff0c\u4ee5\u83b7\u53d6\u79df\u91d1\u6536\u5165\u548c\u8d44\u672c\u589e\u503c\uff0c\u98ce\u9669\u7a0b\u5ea6\u4e2d\u7b49\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u8350\u9605\u8bfb\uff1a<\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/what-is-real-estate-investment-trust-reits\/\" target=\"_blank\" rel=\"noreferrer noopener\">3\u5206\u9418\u770b\u61c2REITs\u623f\u5730\u7522\u4fe1\u8a17\u57fa\u91d1\uff5c\u7522\u6258\u5165\u9580\u7cfb\u5217(\u4e00)<\/a><\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/5-important-metrics-of-reits-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6295\u8cc7REITs\u8981\u8cfa\u9322\uff1f\u90195\u5927\u6307\u6a19\u4f60\u4e0d\u53ef\u4e0d\u61c2\uff5c\u7522\u6258\u5165\u9580\u7cfb\u5217(\u4e8c)<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u907f\u9669-\u5bf9\u51b2\u57fa\u91d1\uff08-hedge-fund\uff09\"><strong>\u907f\u9669\/\u5bf9\u51b2\u57fa\u91d1\uff08Hedge Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u907f\u9669\u57fa\u91d1\u4e3b\u8981\u91c7\u7528\u591a\u6837\u5316\u7684\u6295\u8d44\u7b56\u7565\uff0c\u4ee5\u5728\u4e0d\u540c\u5e02\u573a\u60c5\u51b5\u4e0b\u4fdd\u503c\u6216\u83b7\u53d6\u5229\u6da6\u3002\u5b83\u7684\u98ce\u9669\u7a0b\u5ea6\u4f1a\u56e0\u7b56\u7565\u7684\u591a\u6837\u6027\u800c\u5f02\uff0c\u91c7\u7528\u590d\u6742\u7b56\u7565\u5bf9\u51b2\u5e02\u573a\u98ce\u9669\uff0c\u53ef\u80fd\u5177\u6709\u8f83\u9ad8\u7684\u56de\u62a5\u9884\u671f\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u8350\u9605\u8bfb\uff1a<\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/what-is-a-hedge-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u907f\u96aa\u57fa\u91d1 (\u53c8\u7a31\u5c0d\u885d\u57fa\u91d1\uff0cHedge Fund) \u771f\u7684\u662f\u907f\u96aa\u7684\u6700\u4f73\u6295\u8cc7\u5de5\u5177\u55ce\uff1f\u4f60\u9019\u9ebc\u60f3\uff0c\u771f\u662f\u5927\u932f\u7279\u932f\u4e86\uff01| \u6295\u8cc7\u65b0\u624b\u4fee\u7149\u5fc5\u8b80<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u671f\u8d27\u57fa\u91d1\uff08-futures-fund\uff09\"><strong>\u671f\u8d27\u57fa\u91d1\uff08Futures Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u671f\u8d27\u57fa\u91d1\u6295\u8d44\u4e8e\u671f\u8d27\u5e02\u573a\u3002\u56e0\u6d89\u53ca\u671f\u8d27\u5e02\u573a\uff0c\u4ef7\u683c\u6ce2\u52a8\u5e45\u5ea6\u5927\uff0c\u6240\u4ee5\u98ce\u9669\u8f83\u9ad8\uff0c\u4f46\u4e5f\u53ef\u80fd\u83b7\u5f97\u4e30\u539a\u56de\u62a5\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u5927\u5b97\u5546\u54c1\u57fa\u91d1\uff08-commodity-fund\uff09\"><strong>\u5927\u5b97\u5546\u54c1\u57fa\u91d1\uff08Commodity Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5927\u5b97\u5546\u54c1\u57fa\u91d1\u6295\u8d44\u4e8e\u5927\u5b97\u5546\u54c1\u5e02\u573a\uff0c\u5982\u9ec4\u91d1\u3001\u77f3\u6cb9\u7b49\uff0c\u4ee5\u8c0b\u6c42\u4ef7\u683c\u53d8\u52a8\u5e26\u6765\u7684\u6536\u76ca\u3002\u5b83\u7684\u98ce\u9669\u7a0b\u5ea6\u4f1a\u6536\u5230\u5168\u7403\u4f9b\u9700\u53d8\u5316\u7684\u5f71\u54cd\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"6-\u98ce\u9669\u7a0b\u5ea6\" style=\"color:#009bff\"><strong>6.\u98ce\u9669\u7a0b\u5ea6<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f4e\u98ce\u9669\uff1a\u4fdd\u5b88\u578b\u57fa\u91d1\uff08-conservative-fund\uff09\"><strong>\u4f4e\u98ce\u9669\uff1a\u4fdd\u5b88\u578b\u57fa\u91d1\uff08Conservative Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e00\u822c\u628a\u4e00\u534a\u4ee5\u4e0a\u7684\u8d44\u91d1\u6295\u8d44\u4e8e\u56fa\u5b9a\u6536\u76ca\u8bc1\u5238\uff0c\u5c0f\u90e8\u5206\u6295\u8d44\u4e8e\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4e2d\u7b49\u98ce\u9669\uff1a\u4e2d\u5eb8-\u7a33\u5b9a\u578b\u57fa\u91d1\uff08-moderate-fund\uff09\u6216\u79f0\u5e73\u8861\u578b\u57fa\u91d1\uff08-balanced-fund\uff09\"><strong>\u4e2d\u7b49\u98ce\u9669\uff1a\u4e2d\u5eb8\/\u7a33\u5b9a\u578b\u57fa\u91d1\uff08Moderate Fund\uff09\u6216\u79f0\u5e73\u8861\u578b\u57fa\u91d1\uff08Balanced Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u628a\u4e00\u534a\u8d44\u91d1\u6295\u8d44\u4e8e\u80a1\u7968\uff0c\u4e00\u534a\u6295\u8d44\u4e8e\u56fa\u5b9a\u6536\u76ca\u8bc1\u5238\u3001\u8d27\u5e01\u5e02\u573a\u6216\u503a\u5238\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u9ad8\u98ce\u9669\uff1a\u6210\u957f\u578b\u57fa\u91d1\uff08-growth-fund\uff09\"><strong>\u9ad8\u98ce\u9669\uff1a\u6210\u957f\u578b\u57fa\u91d1\uff08Growth Fund\uff09<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7edd\u5927\u90e8\u5206\uff08\u8d8a70%\uff09\u8d44\u91d1\u6295\u8d44\u4e8e\u80a1\u7968\uff0c\u5176\u4f59\u5c0f\u90e8\u5206\u6295\u8d44\u4e8e\u56fa\u5b9a\u6536\u76ca\u8bc1\u5238\u3001\u8d27\u5e01\u5e02\u573a\u6216\u503a\u5238\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u57fa\u91d1\u548c\u80a1\u7968\u7684\u533a\u522b\"><strong>\u57fa\u91d1\u548c\u80a1\u7968\u7684\u533a\u522b<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>\u57fa\u91d1<\/strong><\/td><td><strong>\u80a1\u7968<\/strong><\/td><\/tr><tr><td><strong>\u8fdb\u5165\u95e8\u69db<\/strong><\/td><td>\u5165\u91d1\u95e8\u69db\u5dee\u4e0d\u591a\uff0c\u5927\u7ea6\u662f RM 500 &#8211; RM 1,000<\/td><td>\u5165\u91d1\u95e8\u69db\u5dee\u4e0d\u591a\uff0c\u5927\u7ea6\u662f RM 500 &#8211; RM 1,000<\/td><\/tr><tr><td><strong>\u6295\u8d44\u65b9\u5f0f<\/strong><\/td><td>\u96c6\u5408\u6027\u6295\u8d44\u5de5\u5177<\/td><td>\u80a1\u7968\u662f\u516c\u53f8\u7684\u6240\u6709\u6743\u8bc1\u4e66\uff0c\u8d2d\u4e70\u80a1\u7968\u610f\u5473\u7740\u6210\u4e3a\u4e86\u8be5\u516c\u53f8\u7684\u80a1\u4e1c\uff0c\u4eab\u6709\u516c\u53f8\u76c8\u5229\u7684\u4e00\u90e8\u5206<\/td><\/tr><tr><td><strong>\u7ba1\u7406<\/strong><\/td><td>\u57fa\u91d1\u7ecf\u7406<\/td><td>\u81ea\u5df1<\/td><\/tr><tr><td><strong>\u98ce\u9669<\/strong><\/td><td>\u9ad8\u98ce\u9669\u96c6\u4e2d\u4e14\u5355\u4e00\u516c\u53f8\u7684\u98ce\u9669<\/td><td>\u4f4e\u98ce\u9669\u98ce\u9669\u5206\u6563<\/td><\/tr><tr><td><strong>\u8d39\u7528<\/strong><\/td><td>\u9700\u8981\u989d\u5916\u652f\u4ed8\u7ba1\u7406\u8d39\u3001\u6258\u7ba1\u8d39\u7b49<\/td><td>\u4e70\u5356\u80a1\u7968\u65f6\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u4f63\u91d1\uff0c\u4f46\u901a\u5e38\u4e0d\u6d89\u53ca\u989d\u5916\u7684\u7ba1\u7406\u8d39\u7528<\/td><\/tr><tr><td><strong>\u6536\u76ca<\/strong><\/td><td>\u53d6\u51b3\u4e8e\u57fa\u91d1\u7ecf\u7406\u7684\u6295\u8d44\u51b3\u7b56\u548c\u5e02\u573a\u8868\u73b0<\/td><td>\u53d6\u51b3\u4e8e\u6240\u9009\u80a1\u7968\u7684\u8868\u73b0\u4ee5\u53ca\u80a1\u5e02\u6574\u4f53\u8d70\u52bf<\/td><\/tr><tr><td><strong>\u4f1a\u6d3e\u606f\u5417\uff1f<\/strong><\/td><td>\u5177\u4f53\u8981\u770b\u57fa\u91d1\u516c\u53f8\u4f1a\u9009\u62e9\u628a\u8d5a\u5230\u7684\u76c8\u5229\u6d3e\u606f\u8fd8\u662f\u5728\u6295\u8d44\u5230\u57fa\u91d1\u5f53\u4e2d\u590d\u5229<\/td><td>\u5177\u4f53\u8981\u770b\u516c\u53f8\u7684\u76c8\u5229\u60c5\u51b5\u548c\u80a1\u606f\u653f\u7b56\uff0c\u4e00\u4e9b\u516c\u53f8\u662f\u4e0d\u4f1a\u6d3e\u606f\u7684<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5047\u8bbe\u4f60\u6709\u591a\u4f59\u7684 RM 1,000 \u53ef\u4ee5\u6295\u8d44\u3002\u4f60\u8ba1\u5212\u8d2d\u4e70 <a href=\"https:\/\/valueinmind.co\/zh\/how-to-start-investing-in-malaysia-stock-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">100 \u80a1\uff08\u9a6c\u4ea4\u6240\u89c4\u5b9a\u7684\u6700\u4f4e\u80a1\u6570\uff09<\/a> A \u516c\u53f8\u7684\u80a1\u7968\uff0c\u6bcf\u80a1\u4ef7\u683c\u4e3a RM 10\u3002\u53ef\u4ee5\u8bf4\uff0c\u8fd9 RM 1,000 \u4f60\u5b8c\u5168\u53ea\u80fd\u6295\u8d44\u4e8e\u4e00\u5bb6\u516c\u53f8\u7684\u80a1\u7968\uff0c\u65e0\u6cd5\u6295\u8d44\u4e8e\u5176\u4ed6\u8d44\u4ea7\u3002\u4e07\u4e00\u8fd9\u5bb6\u516c\u53f8\u66b4\u96f7\uff0c\u8fd9 RM 1,000 \u6709\u53ef\u80fd\u5b8c\u5168\u6253\u6c34\u6f02\u3002<\/p>\n\n\n\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u80a1\u7968\u7684\u8868\u73b0\u4e5f\u5b8c\u5168\u53d6\u51b3\u4e8e\u8be5\u516c\u53f8\u7684\u8868\u73b0\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u5982\u679c A \u516c\u53f8\u7684\u4ef7\u683c\u4e0a\u6da8\u4e86 10\uff05\uff0c\u4f60\u7684\u6295\u8d44\u7ec4\u5408\u4ef7\u503c\u4e5f\u5c06\u4e0a\u6da8 10\uff05\uff0c\u53cd\u4e4b\u4ea6\u7136\u3002\u8fd9\u662f\u4e00\u79cd\u975e\u5e38\u5192\u9669\u7684\u505a\u6cd5\uff0c\u56e0\u4e3a\u4f60\u7684\u56de\u62a5\u53ef\u80fd\u975e\u5e38\u6ce2\u52a8\uff0c\u5982\u679c\u4ef7\u683c\u4e0b\u8dcc\u4e86 10\uff05\uff08\u4ece RM 10\u8dcc\u81f3 RM 9\uff09\uff0c\u5219\u9700\u8981\u589e\u957f11.11\uff05\u624d\u80fd\u6062\u590d\u5230\u521d\u59cb\u6c34\u5e73\uff08\u4ece RM 9 \u5230 RM 10\uff09\u3002\u540c\u6837\uff0c\u5982\u679c\u80a1\u4ef7\u4e0b\u8dcc\u4e8650\uff05\uff0c\u5219\u9700\u8981\u589e\u957f100\uff05\u624d\u80fd\u6062\u590d\u5230\u539f\u4ef7\u3002<\/p>\n\n\n\n<p>\u4f60\u66f4\u5e0c\u671b\u4f60\u7684\u6295\u8d44\u7ec4\u5408\u6bcf\u5e74\u5e73\u5747\u4ea7\u751f5\uff05\u7684\u6b63\u56de\u62a5\uff0c\u8fd8\u662f\u4e00\u5e74\u4ea7\u751f10\uff05\u7684\u6b63\u56de\u62a5\uff0c\u4e0b\u4e00\u5e74\u5374\u8d1f10\uff05\u7684\u56de\u62a5\u5462\uff1f\u8fd9\u5c31\u662f\u57fa\u91d1\u7684\u9b45\u529b\u6240\u5728\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u4e00\u4e2a\u57fa\u91d1\u6210\u529f\u5730\u4ece\u8bb8\u591a\u6295\u8d44\u8005\u90a3\u91cc\u79ef\u7d2f\u4e86 RM 1,000,000\uff0c\u5e76\u4e14\u5e73\u5747\u6295\u8d44\u4e8e W\u516c\u53f8\u3001X \u503a\u5238\u3001Y \u516c\u53f8\u3001Z \u503a\u5238\uff0c\u5e74\u56de\u62a5\u5206\u522b\u4e3a10\uff05\u30016\uff05\u3001-5\uff05\u548c-3\uff05\u3002\u8fd9\u6837\uff0c\u8be5\u57fa\u91d1\u7684\u603b\u56de\u62a5\u5c06\u4e3a\u6b63\u6570 2\uff05\u3002\u8fd9\u4e2a\u6570\u5b57\u53ef\u80fd\u770b\u4f3c\u5fae\u4e0d\u8db3\u9053\uff0c\u4f46\u5b9e\u9645\u4e0a\uff0c\u57fa\u91d1\u4e3a\u6211\u4eec\u63d0\u4f9b\u4e86\u4e00\u4e2a\u66f4\u5b89\u5168\u7684\u9009\u62e9\uff0c\u56e0\u4e3a\u5b83\u901a\u8fc7\u6295\u8d44\u7ec4\u5408\u591a\u6837\u5316\u4f7f\u6211\u4eec\u7684\u56de\u62a5\u66f4\u52a0\u7a33\u5b9a\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u8c01\u9002\u5408\u6295\u8d44\u57fa\u91d1\uff1f\"><strong>\u8c01\u9002\u5408\u6295\u8d44\u57fa\u91d1\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u57fa\u91d1\u662f\u4e00\u79cd\u6295\u8d44\u5de5\u5177\uff0c\u6ca1\u6709\u597d\u6216\u4e0d\u597d\uff0c\u800c\u662f\u53d6\u51b3\u4e8e\u6211\u4eec\u4e2a\u4eba\u7684\u504f\u597d\u3002<\/p>\n\n\n\n<p>\u662f\u8981\u6295\u8d44\u57fa\u91d1\uff0c\u4ea4\u7ed9\u57fa\u91d1\u7ecf\u7406\u6253\u7406\u8fd8\u662f\u81ea\u5df1\u9009\u80a1\u6253\u7406\uff0c\u8fd9\u4e2a\u95ee\u9898\u5c31\u597d\u6bd4\uff1a\u662f\u8981\u81ea\u5df1\u5728\u5bb6\u716e\u83dc\uff0c\u8fd8\u662f\u53bb\u5916\u9762\u6253\u5305\u3001\u5802\u98df\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u6070\u597d\u53a8\u827a\uff08\u6295\u8d44\u77e5\u8bc6\uff09\u4e0d\u9519\uff0c\u800c\u4e14\u8fd8\u6709\u7a7a\u95f2\u65f6\u95f4\uff0c\u4eab\u53d7\u81ea\u5df1\u638c\u63e1\u4e00\u5207\uff1a\u5305\u62ec\u9009\u83dc\uff08\u9009\u62e9\u6295\u8d44\u6807\u7684\uff09\u3001\u638c\u7ba1\u706b\u5019\uff08\u8fdb\u51fa\u573a\u65f6\u673a\uff09\u7b49\uff0c\u90a3\u4e48\u9009\u80a1\u81ea\u5df1\u6253\u7406\u4f1a\u6bd4\u8f83\u9002\u5408\u4f60\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\u5982\u679c\u4f60\u53a8\u827a\u4e00\u822c\uff08\u6ca1\u6709\u592a\u591a\u6295\u8d44\u77e5\u8bc6\uff09\uff0c\u53c8\u6216\u8005\u662f\u5f88\u5fd9\u7684\u4e0a\u73ed\u65cf\u3001\u8001\u677f\uff0c\u90a3\u4e48\u4ea4\u7ed9\u57fa\u91d1\u7ecf\u7406\u6253\u7406\u4f1a\u66f4\u597d\u3002\u4f46\u662f\uff0c\u57fa\u91d1\u7ecf\u7406\u4e00\u6837\u662f\u4eba\uff0c\u6709\u53ef\u80fd\u4f1a\u70f9\u996a\u51fa\u597d\u5403\u7684\u6599\u7406\uff0c\u4e5f\u53ef\u80fd\u505a\u51fa\u9ed1\u6697\u6599\u7406\uff0c\u6240\u4ee5\u6211\u4eec\u5728\u9009\u62e9\u57fa\u91d1\u65f6\u9700\u8981\u628a\u628a\u5173\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5982\u4f55\u9009\u62e9\u57fa\u91d1\uff1f\"><strong>\u5982\u4f55\u9009\u62e9\u57fa\u91d1\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7b2c-1-\u6b65\uff1a\u5398\u6e05\u6295\u8d44\u76ee\u6807\" style=\"color:#009bff\"><strong>\u7b2c1\u6b65\uff1a\u5398\u6e05\u6295\u8d44\u76ee\u6807<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u9009\u62e9\u57fa\u91d1\u524d\uff0c\u5148\u95ee\u95ee\u81ea\u5df1\uff1a<\/p>\n\n\n\n<p>1.\u4f60\u80fd\u591f\u627f\u53d7\u591a\u5c11\u98ce\u9669\uff1f<\/p>\n\n\n\n<p>2.\u4f60\u5e0c\u671b\u80fd\u591f\u5f97\u5230\u591a\u5c11\u7684\u56de\u62a5\uff1f<\/p>\n\n\n\n<p>3.\u4f60\u8ba1\u5212\u6295\u8d44\u51e0\u5e74\uff1f\u662f\u957f\u671f\u6295\u8d44\u8fd8\u662f\u77ed\u671f\u6295\u8d44\uff1f<\/p>\n\n\n\n<p>\u5e02\u573a\u4e0a\u6709\u8bb8\u591a\u4e0d\u540c\u98ce\u9669\u6c34\u5e73\u7684\u57fa\u91d1\u53ef\u4f9b\u9009\u62e9\u3002\u8f83\u9ad8\u7684\u98ce\u9669\u6c34\u5e73\u53ef\u80fd\u4f1a\u5e26\u6765\u8f83\u9ad8\u7684\u56de\u62a5\uff0c\u4f46\u5e76\u4e0d\u4fdd\u8bc1\u56de\u62a5\u59cb\u7ec8\u90fd\u5f88\u9ad8\u3002\u5b9e\u9645\u4e0a\uff0c\u6709\u5f88\u591a\u60c5\u51b5\u4e0b\uff0c\u98ce\u9669\u9002\u4e2d\u751a\u81f3\u8f83\u4f4e\u7684\u57fa\u91d1\u4e5f\u53ef\u4ee5\u5b9e\u73b0\u4f18\u5f02\u7684\u56de\u62a5\u3002\u5982\u679c\u4f60\u4e0d\u80fd\u5fcd\u53d7\u9ad8\u98ce\u9669\u6210\u957f\u578b\u57fa\u91d1\u5e26\u6765\u7684\u8fc7\u5c71\u8f66\u5f0f\u56de\u62a5\uff0c\u53ef\u4ee5\u9009\u62e9\u98ce\u9669\u6c34\u5e73\u8f83\u4f4e\u7684\u5e73\u8861\u578b\u57fa\u91d1\uff0c\u6216\u662f\u4fdd\u5b88\u578b\u57fa\u91d1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u98ce\u9669\u7a0b\u5ea6<\/strong><\/td><td><strong>\u6295\u8d44\u5e02\u573a<\/strong><\/td><td><strong>\u5e74\u56de\u62a5\u7387<\/strong><\/td><td><strong>\u9002\u5408\u6295\u8d44\u4e8e<\/strong><\/td><\/tr><tr><td>\u6781\u4f4e<\/td><td>\u5c11\u4e8e1\u5e74<\/td><td>1% &#8211; 2%<\/td><td>\u8d27\u5e01\u5e02\u573a\u57fa\u91d1<\/td><\/tr><tr><td>\u4f4e<\/td><td>1-3\u5e74<\/td><td>4% &#8211; 6%<\/td><td>\u503a\u5238\u578b\u57fa\u91d1\u6307\u6570\u578b\u57fa\u91d1<\/td><\/tr><tr><td>\u4e2d\u7b49<\/td><td>3-5\u5e74<\/td><td>5% &#8211; 8%<\/td><td>\u6df7\u5408\u578b\u57fa\u91d1<\/td><\/tr><tr><td>\u9ad8<\/td><td>5\u5e74\u4ee5\u4e0a<\/td><td>8%\u4ee5\u4e0a<\/td><td>\u80a1\u7968\u578b\u57fa\u91d1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7b2c-2-\u6b65\uff1a\u67e5\u8be2\u57fa\u91d1\u8d44\u6599\uff0c\u56de\u987e\u57fa\u91d1\u8868\u73b0\" style=\"color:#009bff\"><strong>\u7b2c2\u6b65\uff1a\u67e5\u8be2\u57fa\u91d1\u8d44\u6599\uff0c\u56de\u987e\u57fa\u91d1\u8868\u73b0<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8d2d\u4e70\u57fa\u91d1\u65f6\uff0c\u6211\u4eec\u9700\u8981\u5bf9\u57fa\u91d1\u6709\u6e05\u6670\u7684\u4e86\u89e3\uff1a<\/p>\n\n\n\n<ul>\n<li>\u57fa\u91d1\u6295\u8d44\u5728\u54ea\u4e9b\u5730\u65b9\uff1f\u4ec0\u4e48\u516c\u53f8\u6216\u503a\u5238\uff1f\u6301\u6709\u6bd4\u4f8b\u662f\u591a\u5c11\uff1f<\/li>\n\n\n\n<li>\u8fc7\u53bb\u7684\u5e74\u56de\u62a5\u7387\u662f\u591a\u5c11\uff1f<\/li>\n\n\n\n<li>\u57fa\u91d1\u7ecf\u7406\u5bf9\u8fc7\u53bb\u4e00\u5e74\/\u4e00\u4e2a\u5b63\u5ea6\u7684\u8868\u73b0\u6301\u4f55\u770b\u6cd5\uff1f<\/li>\n\n\n\n<li>\u57fa\u91d1\u7ecf\u7406\u5bf9\u5e02\u573a\u524d\u666f\u6301\u4f55\u770b\u6cd5\uff1f<\/li>\n\n\n\n<li>\u57fa\u91d1\u914d\u7f6e\u4e2d\u6d89\u53ca\u54ea\u4e9b\u98ce\u9669\uff1f<\/li>\n<\/ul>\n\n\n\n<p>\u8fd9\u4e9b\u4fe1\u606f\u90fd\u53ef\u4ee5\u5728\u57fa\u91d1\u4e8b\u5b9e\u8868\uff08Fund Fact Sheet\uff09\u3001\u57fa\u91d1\u62db\u80a1\u4e66\uff08Fund Prospectus\uff09\u3001\u4ea7\u54c1\u8bf4\u660e\u4e66\uff08Product Highlight Sheet \/ Product Disclosure Sheet\uff09\u4e2d\u627e\u5230\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u63a8\u8350\u9605\u8bfb\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/how-to-read-fund-fact-sheet-n-product-highlight-sheet\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u60f3\u6295\u8d44\u57fa\u91d1\uff1f\u5148\u770b\u61c2\u57fa\u91d1\u4e8b\u5b9e\u8868 Fund Fact Sheet\u548c\u4ea7\u54c1\u8bf4\u660e\u4e66 Product Highlight Sheet\uff01<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7b2c-3-\u6b65\uff1a\u9009\u62e9\u4f18\u79c0\u7684\u7ba1\u7406\u56e2\u961f\" style=\"color:#009bff\"><strong>\u7b2c3\u6b65\uff1a\u9009\u62e9\u4f18\u79c0\u7684\u7ba1\u7406\u56e2\u961f<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8981\u60f3\u57fa\u91d1\u80fd\u83b7\u5f97\u7406\u60f3\u4e2d\u7684\u56de\u62a5\uff0c\u9009\u62e9\u4f18\u79c0\u7684\u57fa\u91d1\u7ecf\u7406\u81f3\u5173\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u6700\u7b80\u5355\u7c97\u66b4\u7684\u65b9\u6cd5\u5c31\u662f\u95ee\u57fa\u91d1\u7ecf\u7406\uff1a\u4f60\u4e3a\u4ec0\u4e48\u4e70\/\u5356\u8fd9\u4e9b\u8d44\u4ea7\uff1f<\/p>\n\n\n\n<p>\u8fd9\u662f\u6700\u7b80\u5355\u4f46\u4e5f\u6700\u72e1\u733e\u7684\u95ee\u9898\u3002\u4e00\u4e9b\u7ecf\u7406\u53ef\u80fd\u65e0\u6cd5\u5728\u51e0\u53e5\u8bdd\u4e2d\u6e05\u695a\u89e3\u91ca\u4ed6\u7684\u6295\u8d44\u7b56\u7565\uff0c\u5f88\u53ef\u80fd\u4f1a\u82b1\u8d39\u5927\u91cf\u627e\u501f\u53e3\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u6211\u4eec\u5fc5\u987b\u660e\u786e\u77e5\u9053\uff0c\u8fc7\u53bb\u7684\u8868\u73b0\u5e76\u4e0d\u4fdd\u8bc1\u672a\u6765\u7684\u56de\u62a5\u3002\u5c3d\u7ba1\u8fc7\u53bb\u7684\u8868\u73b0\u663e\u793a\u4e86\u7ecf\u7406\u7ba1\u7406\u57fa\u91d1\u7684\u80fd\u529b\uff0c\u4f46\u662f\uff0c\u901a\u5e38\u7ecf\u6d4e\u666f\u6c14\u65f6\uff0c\u57fa\u91d1\u8868\u73b0\u81ea\u7136\u4e5f\u5f88\u597d\uff0c\u6ca1\u6709\u529e\u6cd5\u5b8c\u5168\u5c55\u73b0\u7ecf\u7406\u7684\u80fd\u529b\u3002\u6211\u4eec\u66f4\u5e94\u8be5\u7559\u610f\u7684\u662f\uff0c\u5728\u7ecf\u6d4e\u4e0d\u666f\u6c14\u65f6\uff0c\u57fa\u91d1\u7ecf\u7406\u91c7\u53d6\u4e86\u4ec0\u4e48\u5bf9\u7b56\uff0c\u5f53\u65f6\u7684\u56de\u62a5\u7387\u662f\u591a\u5c11\uff0c\u548c\u5176\u4ed6\u57fa\u91d1\u76f8\u6bd4\uff0c\u8fd9\u79cd\u5904\u7406\u65b9\u5f0f\u548c\u56de\u62a5\u7387\u662f\u5426\u7406\u60f3\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7b2c-4-\u6b65\uff1a\u6bd4\u8f83\u57fa\u91d1\u7684\u8d39\u7528\" style=\"color:#009bff\"><strong>\u7b2c4\u6b65\uff1a\u6bd4\u8f83\u57fa\u91d1\u7684\u8d39\u7528<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6bd4\u8d77\u5173\u6ce8\u57fa\u91d1\u7684\u5e73\u5747\u56de\u62a5\uff08average return\uff09\uff0c\u6211\u4eec\u66f4\u9700\u8981\u5173\u6ce8\u57fa\u91d1\u7684\u51c0\u56de\u62a5\uff08net return\uff09\u3002\u56e0\u4e3a\u51c0\u56de\u62a5\u662f\u6263\u9664\u4e86\u5411\u57fa\u91d1\u652f\u4ed8\u7684\u6240\u6709\u8d39\u7528\u540e\uff0c\u6211\u4eec\u83b7\u5f97\u7684\u5229\u6da6\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5047\u8bbe\u5c0f\u660e\u6295\u8d44\u4e86 RM 10,000 \u5728 B \u57fa\u91d1\uff0c\u5e76\u4e14 B \u57fa\u91d1\u53f7\u79f0\u4f1a\u5e26\u67658%\u7684\u5e74\u56de\u62a5\u3002\u6309\u7167\u8fd9\u4e2a\u56de\u62a5\uff0c\u7c97\u7565\u4f30\u7b97\u5c0f\u660e\u4f1a\u57285\u5e74\u540e\u83b7\u5f97 46.9%\u7684\u56de\u62a5\u3002<\/p>\n\n\n\n<p>\u4f46\u662f B \u57fa\u91d1\u5f81\u6536\u4e86\u4ee5\u4e0b\u8d39\u7528\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u8d39\u7528\u9879\u76ee<\/strong><\/td><td><strong>\u8d39\u7528<\/strong><\/td><\/tr><tr><td>\u5165\u573a\u8d39 Entry Fee<\/td><td>5%<\/td><\/tr><tr><td>\u51fa\u573a\u8d39 Exit Fee<\/td><td>5%<\/td><\/tr><tr><td>\u5e74\u5ea6\u7ba1\u7406\u8d39 Annual Management Fee<\/td><td>1.50%<\/td><\/tr><tr><td>\u5e74\u5ea6\u6258\u7ba1\u8d39 Annual Trustee Fee<\/td><td>0.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5c0f\u660e\u6295\u8d44\u7684 RM 10,000 \u5c06\u88ab\u5206\u644a\u5230\u8fd9\u4e9b\u8d39\u7528\u5f53\u4e2d\uff0c\u800c\u6700\u540e\u771f\u5b9e\u7684\u5e74\u56de\u62a5\u4ec5\u6709 4.29%\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u5165\u91d1\u91d1\u989d<\/td><td>RM 10,000<\/td><\/tr><tr><td>\u51cf\u53bb\u5165\u573a\u8d39 Entry Fee 5%<\/td><td>-(RM 500)<\/td><\/tr><tr><td>\u771f\u5b9e\u6295\u8d44\u7684\u91d1\u989d<\/td><td>RM 9,500<\/td><\/tr><tr><td>5\u5e74\u540e\u7684\u8d44\u4ea7\u51c0\u503c<\/td><td>RM 12,985.30<\/td><\/tr><tr><td>\u51cf\u53bb\u51fa\u573a\u8d39 Exit Fee 5%<\/td><td>-(RM 649.27)<\/td><\/tr><tr><td>\u6700\u7ec8\u8d44\u4ea7\u51c0\u503c<\/td><td>RM 12,336.03<\/td><\/tr><tr><td>\u603b\u56de\u62a5<\/td><td>23.36%<\/td><\/tr><tr><td>\u5e74\u56de\u62a5<\/td><td>4.29%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u9009\u62e9\u8d39\u7528\u8f83\u4f4e\u7684\u57fa\u91d1\u80fd\u591f\u6709\u6548\u5e2e\u6211\u4eec\u8282\u7701\u6210\u672c\uff0c\u63d0\u9ad8\u56de\u62a5\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u4e70\u57fa\u91d1\u9700\u8981\u6ce8\u610f\u4ec0\u4e48\uff1f\u57fa\u91d1\u7684-3-\u5927\u98ce\u9669\u6307\u6807\"><strong>\u4e70\u57fa\u91d1\u9700\u8981\u6ce8\u610f\u4ec0\u4e48\uff1f\u57fa\u91d1\u76843\u5927\u98ce\u9669\u6307\u6807<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u4e70\u57fa\u91d1\uff0c\u7814\u7a76\u57fa\u91d1\u7684\u98ce\u9669\u7a0b\u5ea6\u65f6\uff0c\u67093\u4e2a\u91cd\u8981\u7684\u6307\u6807\u6211\u4eec\u5fc5\u987b\u77e5\u9053\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6807\u51c6\u5dee-standard-deviation\" style=\"color:#009bff\"><strong>\u6807\u51c6\u5dee Standard Deviation&nbsp;<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6807\u51c6\u5dee\u662f\u7528\u4ee5\u5ea6\u91cf\u57fa\u91d1\u7684\u6ce2\u52a8\u6027\u548c\u98ce\u9669\u6c34\u5e73\u3002\u6807\u51c6\u5dee\u8d8a\u9ad8\uff0c\u57fa\u91d1\u7684\u56de\u62a5\u6ce2\u52a8\u6027\u4e5f\u5c31\u8d8a\u5927\uff0c\u98ce\u9669\u8d8a\u9ad8\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u8d1d\u5854\u7cfb\u6570-beta\" style=\"color:#009bff\"><strong>\u8d1d\u5854\u7cfb\u6570 Beta<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8d1d\u5854\u7cfb\u6570\u8868\u793a\u57fa\u91d1\u76f8\u5bf9\u4e8e\u5e02\u573a\u6574\u4f53\u7684\u6ce2\u52a8\u6027\u3002\u8d1d\u5854\u7cfb\u6570\u5927\u4e8e1\u8868\u793a\u57fa\u91d1\u6bd4\u5e02\u573a\u6574\u4f53\u66f4\u4e3a\u6ce2\u52a8\uff0c\u98ce\u9669\u8d8a\u9ad8\uff0c\u5c0f\u4e8e1\u5219\u8868\u793a\u6ce2\u52a8\u8f83\u5e02\u573a\u6574\u4f53\u5c0f\uff0c\u98ce\u9669\u8f83\u5c0f\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u590f\u666e\u6bd4\u7387-sharpe-ratio\" style=\"color:#009bff\"><strong>\u590f\u666e\u6bd4\u7387 Sharpe Ratio&nbsp;<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u590f\u666e\u6bd4\u7387\u7528\u4ee5\u8861\u91cf\u57fa\u91d1\u98ce\u9669\u8c03\u6574\u540e\u7684\u56de\u62a5\u8868\u73b0\u3002\u590f\u666e\u6bd4\u7387\u8d8a\u9ad8\uff0c\u8868\u793a\u57fa\u91d1\u5728\u627f\u62c5\u76f8\u540c\u98ce\u9669\u7684\u60c5\u51b5\u4e0b\uff0c\u83b7\u5f97\u4e86\u66f4\u9ad8\u7684\u56de\u62a5\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u57fa\u91d1\u6295\u8d44\u7b56\u7565\"><strong>\u57fa\u91d1\u6295\u8d44\u7b56\u7565<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5c3d\u7ba1\u57fa\u91d1\u6709\u4e13\u4e1a\u7684\u7ecf\u7406\u4ee3\u4e3a\u6253\u7406\uff0c\u4f46\u662f\u6211\u4eec\u4f9d\u7136\u8981\u51b3\u5b9a\u8fdb\u573a\u7684\u7b56\u7565\u3002\u6295\u8d44\u57fa\u91d1\u7684\u7b56\u7565\u6709\u4e24\u79cd\uff0c\u8fd9\u4e24\u79cd\u7b56\u7565\u4e00\u822c\u4e5f\u9002\u7528\u4e8e\u80a1\u7968\u548cETF\u6295\u8d44\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"680\" height=\"383\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u6295\u8d44\u7b56\u7565.jpg\" alt=\"\u57fa\u91d1\u6295\u8d44\u7b56\u7565\" class=\"wp-image-50114\" style=\"width:510px;height:287px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u6295\u8d44\u7b56\u7565.jpg 680w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/\u57fa\u91d1\u6295\u8d44\u7b56\u7565-300x169.jpg 300w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5355\u7b14\u6295\u8d44-lump-sum-investing\" style=\"color:#009bff\"><strong>\u5355\u7b14\u6295\u8d44 Lump Sum Investing<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5355\u7b14\u6295\u8d44\uff08Lump Sum Investing\uff09\u987e\u540d\u601d\u4e49\u5c31\u662f\u4e00\u6b21\u6027\u62ff\u51fa\u5927\u7b14\u7684\u94b1\u6295\u8d44\u3002<\/p>\n\n\n\n<p>\u8fd9\u79cd\u6295\u8d44\u7b56\u7565\u6bd4\u8f83\u9002\u5408\u7ecf\u9a8c\u8001\u9053\u7684\u6295\u8d44\u8005\uff0c\u56e0\u4e3a\u8fd9\u9700\u8981\u5bf9\u5e02\u573a\u8baf\u606f\u7684\u6df1\u5ea6\u89c2\u5bdf\u624d\u80fd\u638c\u63e1\u540e\u8fdb\u5165\u70b9\u3002\u5982\u679c\u5728\u5e02\u573a\u4f4e\u8ff7\u65f6\u5165\u573a\uff0c\u90a3\u4e48\u5355\u7b14\u6295\u8d44\u7684\u83b7\u5229\u7a7a\u95f4\u8f83\u5927\uff1b\u5982\u679c\u5728\u5e02\u573a\u9ad8\u70b9\u4e70\u8fdb\u5219\u6210\u6548\u4e0d\u660e\u663e\u3002\u56e0\u6b64\uff0c\u5bf9\u4e8e\u65b0\u624b\u6765\u8bf4\u8fd9\u975e\u5e38\u8003\u9a8c\u5bf9\u5e02\u573a\u7684\u654f\u9510\u5ea6\uff0c\u4ee5\u53ca\u628a\u63a7\u5df4\u83f2\u7279\u6240\u8bf4\u7684\u201c\u5728\u522b\u4eba\u6050\u60e7\u65f6\u8d2a\u5a6a\uff0c\u5728\u522b\u4eba\u8d2a\u5a6a\u65f6\u6050\u60e7\u201d\u7684\u5fc3\u7406\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u671f\u5b9a\u989d\u6295\u8d44-dollar-cost-averaging\" style=\"color:#009bff\"><strong>\u5b9a\u671f\u5b9a\u989d\u6295\u8d44 Dollar Cost Averaging<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5b9a\u671f\u5b9a\u989d\u6295\u8d44\uff0c\u4ece\u540d\u76ee\u4e0a\u4e5f\u5f88\u597d\u7406\u89e3\uff0c\u5c31\u662f\u6307\u6bcf\u6708\u6216\u6bcf\u5b63\u5ea6\u5728\u56fa\u5b9a\u7684\u65f6\u95f4\uff0c\u6295\u5165\u56fa\u5b9a\u7684\u91d1\u989d\u3002\u4e00\u822c\u4e0a\u5e73\u53f0\u90fd\u4f1a\u63d0\u4f9b\u8fd9\u6837\u7684\u529f\u80fd\uff0c\u53ea\u8981\u8bbe\u7f6e\u597d\uff0c\u5c31\u80fd\u591f\u8ba9\u5e73\u53f0\u6bcf\u6708\u81ea\u52a8\u4ece\u4f60\u7684\u94f6\u884c\u8d26\u6237\u4e2d\u6263\u9664\u56fa\u5b9a\u7684\u91d1\u989d\u6295\u5165\u5230\u57fa\u91d1\u5f53\u4e2d\u3002<\/p>\n\n\n\n<p>\u8fd9\u9879\u7b56\u7565\u5bf9\u65b0\u624b\u6bd4\u8f83\u53cb\u597d\uff0c\u56e0\u4e3a\u5b83\u4e0d\u4ec5\u80fd\u591f\u8d77\u5230\u81ea\u52a8\u5316\u6295\u8d44\/\u50a8\u84c4\u7684\u529f\u80fd\uff0c\u80fd\u591f\u8ba9\u6211\u4eec\u66f4\u8f7b\u677e\u5730\u8fbe\u5230\u8d22\u52a1\u76ee\u6807\uff0c\u8fd8\u80fd\u591f\u65e0\u89c6\u77ed\u671f\u5e02\u573a\u7684\u6ce2\u52a8\uff0c\u8fbe\u5230\u5e73\u5747\u6210\u672c\u7684\u6548\u679c\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u600e\u4e48\u4e70\uff1f\"><strong>\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u600e\u4e48\u4e70\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4f60\u53ef\u4ee5\u901a\u8fc7\u4ee5\u4e0b\u6e20\u9053\u4e70\u5230\u57fa\u91d1\uff1a<\/p>\n\n\n\n<p>1.\u94f6\u884c\uff1aPublic Mutual\u3001HSBC MY Amanah\u3001Maybank\u3001Hong Leong Bank \u7b49\u7b49<\/p>\n\n\n\n<p>2.\u7ebf\u4e0a\u57fa\u91d1\u5e73\u53f0\uff1aASNB<\/p>\n\n\n\n<p>3.\u5238\u5546\u5e73\u53f0\uff1aFSMOne\u3001Kenanga Investors\u7b49\u7b49<\/p>\n\n\n\n<p>4.\u4fdd\u9669\u516c\u53f8\uff1aManulife\u3001Great Eastern\u3001AIA\u7b49\u7b49<\/p>\n\n\n\n<p>5.\u73b0\u91d1\u7ba1\u7406\u5e73\u53f0\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/how-to-invest-with-rm1000\/\" target=\"_blank\" rel=\"noreferrer noopener\">StashAway Simple\u3001Touch n\u2019 Go GO+\u3001Touch n\u2019 Go GO Invest\u3001Versa<\/a><\/p>\n\n\n\n<p>5.\u7406\u8d22\u89c4\u5212\u5e08\uff08\u9700\u8981\u989d\u5916\u4e3a\u7406\u8d22\u89c4\u5212\u5e08\u7684\u4e13\u4e1a\u652f\u4ed8\u4e00\u7b14\u4f63\u91d1\uff0c\u4f46\u662f\u5982\u679c\u901a\u8fc7\u5e73\u53f0\u8d2d\u4e70\u5c31\u4e0d\u9700\u8981\u989d\u5916\u4ed8\u8d39\uff09<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u603b\u7ed3\"><strong>\u603b\u7ed3&nbsp;<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6295\u8d44\u5de5\u5177\u6ca1\u6709\u6240\u8c13\u7684\u597d\u574f\uff0c\u6b63\u5982\u9ed1\u732b\u767d\u732b\uff0c\u80fd\u6293\u5230\u8001\u9f20\u7684\u5c31\u662f\u597d\u732b\u3002\u57fa\u91d1\u80fd\u8fc7\u591f\u5e2e\u52a9\u6ca1\u6709\u65f6\u95f4\u6216\u5e02\u573a\u8d44\u8baf\u4e0d\u8db3\u7684\u65b0\u624b\uff0c\u4ecd\u80fd\u53c2\u4e0e\u5230\u5e02\u573a\u5f53\u4e2d\uff0c\u83b7\u53d6\u4e00\u5b9a\u7684\u56de\u62a5\u3002<\/p>\n\n\n\n<p>\u867d\u7136\u57fa\u91d1\u90fd\u7531\u57fa\u91d1\u7ecf\u7406\u6253\u7406\uff0c\u4f46\u662f\u8fd8\u662f\u63d0\u9192\u4f60\u5728\u9009\u62e9\u57fa\u91d1\u524d\u505a\u4e00\u4e9b\u529f\u8bfe\uff0c\u4e3a\u81ea\u5df1\u9009\u51fa\u4e00\u540d\u9760\u8c31\u7684\u57fa\u91d1\u7ecf\u7406\u624d\u6709\u201c\u94b1\u9014\u201d\u53ef\u8a00\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5ef6\u4f38\u9605\u8bfb\"><strong>\u5ef6\u4f38\u9605\u8bfb<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u3010<strong>\u57fa\u91d1\u5165\u95e8\u77e5\u8bc6\u7cfb\u5217<\/strong>\u3011<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/valueinmind.co\/zh\/how-to-read-fund-fact-sheet-n-product-highlight-sheet\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u60f3\u6295\u8d44\u57fa\u91d1\uff1f\u5148\u770b\u61c2\u57fa\u91d1\u4e8b\u5b9e\u8868 Fund Fact Sheet\u548c\u4ea7\u54c1\u8bf4\u660e\u4e66 Product Highlight Sheet\uff01<\/a><\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-best-performing-funds\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u30102023\u5e74\u3011\u9a6c\u6765\u897f\u4e9a\u57fa\u91d1\u6392\u540d TOP 5 \u8868\u73b0\u6700\u597d\u7684\u57fa\u91d1\uff01\u57fa\u91d1\u56de\u62a5\u7387\u8d85\u8fc7 6%\uff01<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u3010\u8d27\u5e01\u5e02\u573a\u57fa\u91d1 Money Market Fund \u7cfb\u5217\u3011<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-money-market-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Money Market Fund\u662f\u4ec0\u4e48\uff1f\u8d27\u5e01\u57fa\u91d1\u6709\u98ce\u9669\u5417\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-tng-goinvest\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u4ec0\u4e48\u662fTNG GO Invest\uff1f\u5e74\u5229\u606f3.95%\uff0c\u503c\u5f97\u6295\u8d44\u5417\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/touch-n-go-investment\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Touch n Go\u63a8\u51faGO+ \u53ea\u9700RM10\u5c31\u80fd\u6295\u8cc7\uff01\u4e00\u6587\u770b\u61c2 GO+ \u5c0f\u984d\u6295\u8cc7\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u3010\u503a\u5238\u57fa\u91d1 Bond Fund \u7cfb\u5217\u3011<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/why-invest-in-bond\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u50b5\u5238\u662f\u4ec0\u9ebc\uff1f\u6bd4FD\u66f4\u597d\u7684\u6295\u8cc7\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/how-to-use-rm1000-invest-in-bond\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u5982\u4f55\u5728\u99ac\u4f86\u897f\u4e9e\u4ee5RM1,000 \u6295\u8cc7\u50b5\u5238\uff082023\u6295\u8cc7\u50b5\u5238\u7684\u6700\u4f73\u6642\u6a5f\uff09<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u3010\u6307\u6570\u80a1\u7968\u578b\u57fa\u91d1 ETF \u7cfb\u5217\u3011<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-us-etf-compilation\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u3010\u5168\u7db2\u6700\u5168\u3011\u99ac\u4f86\u897f\u4e9e\u548c\u7f8e\u570bETF\u6709\u54ea\u4e9b\uff1f\u5982\u4f55\u6295\u8cc7ETF\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-etf\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\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<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u3010\u623f\u4ea7\u4fe1\u6258\u57fa\u91d1 REITs \u7cfb\u5217\u3011<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-real-estate-investment-trust-reits\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>3\u5206\u9418\u770b\u61c2REITs\u623f\u5730\u7522\u4fe1\u8a17\u57fa\u91d1\uff5c\u7522\u6258\u5165\u9580\u7cfb\u5217(\u4e00)<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/5-important-metrics-of-reits-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u6295\u8cc7REITs\u8981\u8cfa\u9322\uff1f\u90195\u5927\u6307\u6a19\u4f60\u4e0d\u53ef\u4e0d\u61c2\uff5c\u7522\u6258\u5165\u9580\u7cfb\u5217(\u4e8c)<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u3010\u907f\u9669\u57fa\u91d1 Hedge Fund \u7cfb\u5217\u3011<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-a-hedge-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u907f\u96aa\u57fa\u91d1 (\u53c8\u7a31\u5c0d\u885d\u57fa\u91d1\uff0cHedge Fund) \u771f\u7684\u662f\u907f\u96aa\u7684\u6700\u4f73\u6295\u8cc7\u5de5\u5177\u55ce\uff1f\u4f60\u9019\u9ebc\u60f3\uff0c\u771f\u662f\u5927\u932f\u7279\u932f\u4e86\uff01| \u6295\u8cc7\u65b0\u624b\u4fee\u7149\u5fc5\u8b80<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u3010\u653f\u5e9c\u57fa\u91d1\u7cfb\u5217\u3011<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/asnb-unit-trust\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>2023\u5e74ASNB\u4fe1\u6258\u57fa\u91d1\u6d3e\u606f4.5%\uff01ASNB\u9084\u503c\u5f97\u6295\u8cc7\u55ce\uff1f \u600e\u6a23\u8cb7ASNB\u57fa\u91d1\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-sspn\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SSPN\u6263\u7a05\u512a\u60e0\u53ea\u5ef6\u9577\u81f32024\u5e74\uff01\u628a\u6559\u80b2\u57fa\u91d1\u5b58\u5728SSPN Prime &amp; SSPN Plus\u9084\u503c\u5f97\u55ce\uff1f\u5982\u4f55\u958bSSPN\u6236\u53e3\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-private-retirement-scheme-prs\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u4ec0\u9ebc\u662fPRS\u79c1\u4eba\u9000\u4f11\u8a08\u756b? \u548cEPF\u6709\u4ec0\u9ebc\u4e0d\u540c\uff1fPRS\u503c\u5f97\u6295\u8cc7\u55ce\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u3010\u6295\u8d44\u7cfb\u5217\u3011<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/how-to-invest-with-rm1000\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u5982\u679c\u53ea\u6709RM1,000\uff0c\u6211\u53ef\u4ee5\u6295\u8cc7\u4ec0\u9ebd\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u514d\u8d23\u58f0\u660e\"><strong>\u514d\u8d23\u58f0\u660e<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6b64\u6587\u7ae0\u5185\u5bb9\u4ec5\u4f5c\u4e3a\u6559\u5b66\u3001\u5206\u4eab\u53ca\u53c2\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u4e13\u4e1a\u7684\u6295\u8d44\u5efa\u8bae\u3002\u7531\u4e8e\u4e2a\u4eba\u7684\u60c5\u51b5\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u8054\u7cfb\u4ef7\u503c\u601d\u7ef4\u6216\u54a8\u8be2\u4f60\u7684\u7406\u8d22\u89c4\u5212\u5e08\u4ee5\u53d6\u5f97\u4e13\u4e1a\u7684\u5efa\u8bae\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u57fa\u91d1\u82f1\u6587\u662fMutual Fund \/ Unit Trust Fund\uff0c\u53ef\u4ee5\u8bf4\u662f\u5927\u90e8\u5206\u4eba\u6700\u65e9\u63a5\u89e6\u7684\u4e2d\u4f4e\u98ce\u9669\u6295\u8d44\u4ea7\u54c1\u3002\u90a3\u4e48\uff0c\u57fa\u91d1\u7a76\u7adf\u662f\u4ec0\u4e48\uff1f\u57fa\u91d1\u5982\u4f55\u8d5a\u94b1\uff1f\u57fa\u91d1\u7684\u6295\u8d44\u56de\u62a5\u7387\u9ad8\u5417\uff1f\u57fa\u91d1\u8d39\u7528\u6709\u54ea\u4e9b\uff1f\u6295\u8d44\u57fa\u91d1\u6709\u4ec0\u4e48\u597d\u5904\uff1f\u6709\u4ec0\u4e48\u574f\u5904\u548c\u98ce\u9669\uff1f\u57fa\u91d1\u8d5a\u94b1\u8fd8\u662f\u8d54\u94b1\uff1f\u57fa\u91d1\u6709\u54ea\u4e9b\u6295\u8d44\u7b56\u7565\uff0c\u4e70\u8fdb\u9700\u8981\u6ce8\u610f\u4ec0\u4e48\uff1f\u8fd9\u7bc7\u6587\u7ae0\u5c06\u4e3a\u4f60\u8bb2\u89e3\u57fa\u91d1\u7684\u6982\u5ff5\u3002<\/p>\n","protected":false},"author":62,"featured_media":50101,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","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":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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