{"id":7809,"date":"2021-03-10T18:10:51","date_gmt":"2021-03-10T10:10:51","guid":{"rendered":"https:\/\/valueinmind.co\/?p=7809"},"modified":"2023-08-24T16:30:46","modified_gmt":"2023-08-24T08:30:46","slug":"should-i-invest-with-epf-i-sinar","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/should-i-invest-with-epf-i-sinar\/","title":{"rendered":"\u901a\u904ei-Sinar\u63d0\u6b3e\u6295\u8cc7\u53ef\u4ee5\u8cfa\u5f97\u6bd4EPF\u5229\u606f\u66f4\u9ad8\uff1f"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7809\" class=\"elementor elementor-7809\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a681ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a681ef\" 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-8505267\" data-id=\"8505267\" 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-71c6111 elementor-widget elementor-widget-text-editor\" data-id=\"71c6111\" 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><span style=\"font-weight: 400;\">\u516c\u7a4d\u91d1\u5c40\u958b\u653ei-Sinar\u7121\u689d\u4ef6\u63d0\u6b3e\u5f15\u8d77\u4e86\u71b1\u8b70\uff0c\u5927\u5bb6\u8a0e\u8ad6\u7684\u8a71\u984c\u90fd\u570d\u7e5e\u5728\u300c\u61c9\u4e0d\u61c9\u8a72\u63d0\u6b3e\u300d\u548c\u300c\u63d0\u6b3e\u4e86\u8981\u600e\u9ebc\u7528\u300d\u3002<\/span><\/p><p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.theedgemarkets.com\/article\/t20-withdraw-savings-isinar-invest-gold-stocks\" target=\"_blank\" rel=\"noopener\">\u300a\u99ac\u65b0\u793e\u300b<\/a>\u57282\u6708\u5e95\u520a\u767b\u4e86\u4e00\u5247\u65b0\u805e\uff0c\u8868\u793a\u6709<a href=\"https:\/\/www.ucsipoll.org.my\/poll-finding\/more-half-i-sinar-was-used-instalment-payments\" target=\"_blank\" rel=\"noopener\">\u63a5\u8fd1\u4e00\u534a\u7684T20\u4eba\u58eb<\/a>\u6703\u50be\u5411\u901a\u904ei-Sinar\u8a08\u5283\u62ff\u9322\u51fa\u4f86\uff0c\u6295\u8cc7\u5728\u9ec3\u91d1\u548c\u80a1\u5e02\u88e1\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u9019\u5247\u5831\u5c0e\u6233\u4e2d\u4e86\u5f88\u591aEPF\u6703\u54e1\u5167\u5fc3\u7684\u7cfe\u7d50\u9ede\uff1a<strong>\u6211\u61c9\u4e0d\u61c9\u8a72\u548c\u4ed6\u5011\u4e00\u6a23\uff0c\u62ff\u9322\u51fa\u4f86\u6295\u8cc7\uff1f<\/strong><\/span><\/p><p><span style=\"font-weight: 400;\">\u6703\u6709\u9019\u7a2e\u60f3\u6cd5\uff0c\u539f\u56e0\u5927\u6982\u6709\u5169\u500b\uff1a<\/span><\/p><p><span style=\"font-weight: 400;\">\u7b2c\u4e00\uff0c<strong>EPF\u6d3e\u606f\u7387\u6b63\u5728\u9010\u5e74\u6e1b\u5c11<\/strong>\uff0c<a href=\"https:\/\/valueinmind.co\/kwsp-epf-latest-dividends\/\" target=\"_blank\" rel=\"noopener\">\u6700\u8fd1\u76842020\u5e74\u53ea\u6d3e\u767c5.20%\u80a1\u606f<\/a>\uff0c\u53ef\u4ee5\u8aaa\u662f\u901912\u5e74\u4f86\u6700\u4f4e\u6d3e\u606f\u7387\uff0c\u8b93\u4e0d\u5c11\u6703\u54e1\u89ba\u5f97\u628a\u9322\u653e\u5728EPF\u88e1\uff0c\u597d\u50cf\u6c92\u6709\u4ec0\u9ebc\u589e\u503c\u7684\u7a7a\u9593\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7b2c\u4e8c\uff0c\u75ab\u60c5\u5df2\u7d93\u9020\u6210\u80a1\u5e02\u5287\u70c8\u7684\u6f32\u8dcc\u6ce2\u52d5\uff0c\u6709\u7684\u80a1\u7968\u50f9\u683c\u4e5f\u56e0\u6b64\u4e00\u98db\u6c96\u5929\uff0c\u8b93\u6295\u8cc7\u8005\u4e00\u591c\u66b4\u5bcc\u3002\u770b\u5728\u5927\u5bb6\u773c\u88cf\u96e3\u514d\u6709\u9ede\u5fc3\u7662\u7662\u7684\uff0c<strong>\u60f3\u4e00\u8d77\u9032\u80a1\u5e02\u9322\u6efe\u9322<\/strong>\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u4f46\u662f\uff0c\u5e02\u9762\u4e0a\u7684\u6295\u8cc7\u7522\u54c1\u4e94\u82b1\u516b\u9580\uff0c\u5404\u6709\u597d\u58de\uff0c\u5728\u6c92\u6709\u6e05\u695a\u7406\u89e3\u524d\u5c31\u8cbf\u7136\u628a\u9322\u6295\u8cc7\u9032\u53bb\uff0c\u96a8\u6642\u6703\u767c\u751f\u8667\u640d\u3002<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>\u5982\u679c\u4f60\u4e5f\u9762\u5c0d\u540c\u6a23\u7684\u6399\u624e\uff0c\u6216\u8a31\u9019\u7bc7\u6587\u7ae0\u80fd\u63d0\u4f9b\u4f60\u4e00\u4e9b\u601d\u8003\u7684\u65b9\u5411\u3002<\/strong>\u7a76\u7adf\u7533\u8acbi-Sinar\u63d0\u6b3e\u4f86\u9032\u884c\u6295\u8cc7\uff0c\u662f\u4e0d\u662f\u53ef\u4ee5\u8cfa\u5f97\u6bd4EPF\u5229\u606f\u66f4\u9ad8\uff0c\u8b93\u4f60\u628a\u63e1\u589e\u52a0\u8ca1\u5bcc\u7684\u6a5f\u6703\uff1f<\/span><\/p><p>\u9019\u7bc7\u6587\u7ae0\u6703\u4ecb\u7d39\u4ee5\u4e0b\u5e7e\u500b\u90e8\u5206\uff1a<\/p><ul><li>\u503c\u5f97\u95dc\u6ce8\u7684\u6295\u8cc7\u7522\u54c1<\/li><li>\u8a72\u4e0d\u8a72\u5f9eEPF\u63d0\u6b3e\u6295\u8cc7\uff1f<\/li><li>\u6295\u8cc7\u8cfa\u9322\u6bd4\u9818EPF\u5229\u606f\u66f4\u591a\uff1f<\/li><\/ul><p><strong>\ud83d\udca1\u9084\u4e0d\u4e86\u89e3i-Sinar\u662f\u4ec0\u9ebc\uff1f\u9ede\u64ca<a href=\"https:\/\/valueinmind.co\/should-i-withdraw-money-from-epf-i-sinar\/\" target=\"_blank\" rel=\"noopener\">\u9019\u88cf<\/a>\u4e86\u89e3\u66f4\u591a\u5167\u5bb9\u5427\uff01\ud83d\udca1<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0b74e9f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0b74e9f\" 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-7d46040\" data-id=\"7d46040\" 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-373e0e8 elementor-widget elementor-widget-text-editor\" data-id=\"373e0e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span style=\"color: #262262;\"><b>\u5e02\u5834\u4e0a\u6709\u54ea\u4e9b\u6295\u8cc7\u7522\u54c1\u503c\u5f97\u95dc\u6ce8\uff1f<\/b><\/span><\/h2><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u5c0d\u4e0d\u540c\u7684\u6295\u8cc7\u7522\u54c1\u5df2\u7d93\u6709\u4e00\u5b9a\u8a8d\u8b58\uff0c\u9ede\u64ca<a href=\"#sec1\">\u9019\u88cf<\/a>\u76f4\u63a5\u8df3\u8f49\u5230\u5f8c\u9762\u7684\u8a72\u4e0d\u8a72\u63d0\u6b3e\u6295\u8cc7\u8a0e\u8ad6\u90e8\u5206\u3002<\/span><\/p><h6>\u00a0<\/h6><h6><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-7811 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u7522\u54c1.png\" alt=\"\u6295\u8cc7\u7522\u54c1\" width=\"780\" height=\"519\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u7522\u54c1.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u7522\u54c1-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u7522\u54c1-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/h6><h6>\u00a0<\/h6><h3><span style=\"color: #0096ff;\"><strong>1. \u6295\u8cc7\u9ec3\u91d1 Gold Investment<\/strong><\/span><\/h3><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u9996\u5148\u662f\u9ec3\u91d1\u3002\u99ac\u65b0\u793e\u7684\u65b0\u805e\u63d0\u5230\uff0c\u6709\u4e0d\u5c11\u6703\u54e1\u9078\u64c7\u62ff\u9322\u53bb\u6295\u8cc7\u9ec3\u91d1\u3002\u6700\u8fd1\u4e5f\u6709\u4e0d\u5c11<\/span><a href=\"https:\/\/www.kwongwah.com.my\/20210309\/%E9%BB%84%E9%87%91%E5%86%8D%E6%AC%A1%E8%B7%8C%E4%BB%B7-%E6%B0%91%E4%BC%97%E7%96%AF%E7%8B%82%E8%B4%AD%E4%B9%B0\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u65b0\u805e\u5831\u5c0e<\/span><\/a><span style=\"font-weight: 400;\">\u63d0\u53ca\u9ec3\u91d1\u8dcc\u50f9\uff0c\u5f15\u8d77\u8a31\u591a\u4eba\u524d\u5f80\u91d1\u5e97\u6436\u8cfc\u9ec3\u91d1\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u70ba\u4ec0\u9ebc\u9ec3\u91d1\u5982\u6b64\u5927\u53d7\u6b61\u8fce\uff1f<strong>\u56e0\u70ba\u5b83\u5177\u6709\u300c\u4fdd\u503c\u300d\u50f9\u503c\u3002<\/strong><\/span><\/p><p><span style=\"font-weight: 400;\">\u7531\u65bc\u9ec3\u91d1\u5c6c\u65bc\u8cb4\u91cd\u5546\u54c1\uff0c\u800c\u4e14\u662f\u7a00\u6709\u8cc7\u6e90\uff0c\u7e3d\u6709\u88ab\u6316\u76e1\u7684\u4e00\u5929\u3002\u9019\u4e9b\u7279\u5f81\u90fd\u8ce6\u4e88\u4e86\u9ec3\u91d1\u6bd4\u8f03\u6297\u901a\u81a8\u7684\u7279\u6027\u3002\u6211\u5011\u5728\u65e5\u5e38\u4ea4\u6613\u901a\u7528\u7684\u7d19\u5e63\uff0c\u6703\u53d7\u5230\u500b\u5225\u570b\u5bb6\u7684\u7d93\u6fdf\u5371\u6a5f\u548c\u901a\u8ca8\u81a8\u8139\u5f71\u97ff\uff0c\u7522\u751f\u8cb6\u503c\u800c\u6e1b\u4f4e\u7d19\u5e63\u7684\u8cfc\u8cb7\u529b\uff0c\u751a\u81f3\u6700\u5f8c\u8b8a\u6210\u5ee2\u7d19\u4e00\u6a23\uff1b\u4f46\u662f\uff0c\u9ec3\u91d1\u6c92\u6709\u9019\u7a2e\u98a8\u96aa\uff0c\u53ea\u6703\u96a8\u8457\u9ec3\u91d1\u8cc7\u6e90\u7684\u8d8a\u4f86\u8d8a\u7a00\u5c11\uff0c\u50f9\u683c\u6c34\u6f32\u8239\u9ad8\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u9ec3\u91d1\u662f\u5f88\u591a\u6295\u8cc7\u8005\uff08\u548c\u8001\u767e\u59d3\uff09\u5fc3\u4e2d\u300c\u907f\u96aa\u4fdd\u503c\u300d\u7684\u7406\u60f3\u8cc7\u7522\u4e4b\u4e00\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6295\u8cc7\u9ec3\u91d1\u7684\u7ba1\u9053\u5927\u81f4\u5206\u62105\u7a2e\uff1a<\/span><\/p><h4><strong>\u5be6\u9ad4\u9ec3\u91d1<\/strong><\/h4><p><span style=\"font-weight: 400;\">\u5728\u91d1\u5e97\u6216\u9280\u884c\u8cfc\u8cb7\u7684\u91d1\u98fe\u3001\u91d1\u584a\u3001\u91d1\u689d\u3001\u91d1\u5e63\u7b49\u7b49\uff0c\u90fd\u5c6c\u65bc\u5be6\u9ad4\u9ec3\u91d1\uff0c\u9019\u662f\u6700\u7c21\u55ae\u7684\u6295\u8cc7\u9ec3\u91d1\u65b9\u5f0f\u3002\u672a\u4f86\u9ec3\u91d1\u50f9\u683c\u4e0a\u6f32\u5f8c\u518d\u8ce3\u51fa\uff0c\u5c31\u80fd\u900f\u904e\u4f4e\u8cb7\u9ad8\u8ce3\u8cfa\u53d6\u5dee\u50f9\u3002<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>\u5b83\u7684\u512a\u9ede\u662f\u53ef\u4ee5\u770b\u5230\u548c\u6478\u5230\u9ec3\u91d1\uff1b\u7f3a\u9ede\u5247\u662f\u5bb9\u6613\u88ab\u5077\u3002<\/strong>\u5982\u679c\u81ea\u5df1\u5c0d\u9ec3\u91d1\u5e02\u50f9\u4e00\u7121\u6240\u77e5\uff0c\u5728\u8ce3\u51fa\u53bb\u7684\u6642\u5019\u5f88\u5bb9\u6613\u88ab\u8cb7\u65b9\u300c\u6572\u7af9\u69d3\u300d\u800c\u7522\u751f\u8667\u640d\u3002<\/span><\/p><h4><strong>\u9ec3\u91d1\u5b58\u6298<\/strong><\/h4><p><span style=\"font-weight: 400;\">\u6295\u8cc7\u8005\u5728\u9280\u884c\u958b\u9ec3\u91d1\u6295\u8cc7\u8cec\u6236\uff0c\u62ff\u5230\u4e00\u672c\u5b58\u6298\u4e4b\u5f8c\uff0c\u6240\u6709\u9ec3\u91d1\u8cb7\u8ce3\u90fd\u6703\u7d00\u9304\u5728\u8cec\u6236\u88e1\u3002\u9019\u7a2e\u65b9\u6cd5\u4e0d\u6d89\u53ca\u5be6\u9ad4\u9ec3\u91d1\u7684\u4ea4\u5272\uff0c\u4e0d\u904e\u6295\u8cc7\u8005\u53ef\u4ee5\u8981\u6c42\u628a\u5b58\u6298\u88e1\u7684\u9ec3\u91d1\uff0c\u8f49\u63db\u6210\u5be6\u9ad4\u9ec3\u91d1\u3002\u4e0d\u904e\u8f49\u63db\u4e4b\u5f8c\uff0c\u4e0d\u53ef\u4ee5\u518d\u628a\u9ec3\u91d1\u5b58\u9032\u9ec3\u91d1\u5b58\u6298\u88e1\u9762\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u8981\u6ce8\u610f\u7684\u662f\uff0c<strong>\u7531\u65bc\u9ec3\u91d1\u5b58\u6298\u4e0d\u7b97\u662f\u5b58\u6b3e\uff0c\u6240\u4ee5\u9280\u884c\u4e0d\u6703\u652f\u4ed8\u5229\u606f\u3002<\/strong>\u76ee\u524d\u6709\u63d0\u4f9b\u9019\u7a2e\u670d\u52d9\u7684\u9280\u884c\u5305\u62ec\u99ac\u9280\u884c\uff08Maybank\uff09\u3001\u806f\u660c\u570b\u969b\uff08CIMB\uff09\u3001\u5927\u773e\u9280\u884c\uff08Public Bank\uff09\u3001\u532f\u8c50\u9280\u884c\uff08HSBC\uff09\u7b49\u7b49\u3002<\/span><\/p><h4><strong>\u9ec3\u91d1\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09<\/strong><\/h4><p><span style=\"font-weight: 400;\">\u9ec3\u91d1ETF\u662f<strong>\u8ffd\u8e64\u9ec3\u91d1\u73fe\u8ca8\u50f9\u683c\u7684\u91d1\u878d\u884d\u751f\u7522\u54c1<\/strong>\uff0c\u6709\u80a1\u7968\u6236\u53e3\u7684\u6295\u8cc7\u8005\uff0c\u53ef\u4ee5\u8cb7\u8ce3\u9019\u7a2e\u6295\u8cc7\u7522\u54c1\u3002\u5b83\u7684\u597d\u8655\u662f\u6295\u8cc7\u9580\u6abb\u76f8\u5c0d\u4f4e\uff0c\u4ea4\u6613\u8cbb\u4e5f\u4e5f\u4e0d\u9ad8\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u53e6\u5916\uff0c\u6295\u8cc7\u8005\u4e5f\u4e0d\u7528\u652f\u4ed8\u9ec3\u91d1\u7684\u4fdd\u7ba1\u3001\u5b58\u5132\u3001\u4fdd\u96aa\u8cbb\u7528\u3002<\/span><\/p><h4><strong>\u9ec3\u91d1\u73fe\u8ca8<\/strong><\/h4><p><span style=\"font-weight: 400;\">\u9ec3\u91d1\u73fe\u8ca8\u7684\u6295\u8cc7\u6982\u5ff5\u548c\u8cb7\u8ce3\u80a1\u7968\u985e\u4f3c\uff0c\u548c\u6295\u8cc7\u80a1\u7968\u4e00\u6a23\u6709\u8cb7\u5165\u548c\u8ce3\u51fa\u7684\u50f9\u5dee\u3002\u53ef\u4ee5\u514c\u63db\u6210\u5be6\u9ad4\u9ec3\u91d1\uff0c\u4e0d\u904e\u5fc5\u9808\u652f\u4ed8\u624b\u7e8c\u8cbb\u3002<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>\u9ec3\u91d1\u73fe\u8ca8\u5b58\u5728\u8457\u69d3\u687f\u6027\u8cea\uff0c\u6295\u8cc7\u8005\u53ef\u4ee5\u5229\u7528\u69d3\u687f\u4ee5\u5c0f\u535a\u5927\u3002<\/strong>\u4f46\u8981\u63d0\u9192\u7684\u662f\uff0c\u9019\u7a2e\u4ea4\u6613\u7684\u98a8\u96aa\u66f4\u5927\uff0c\u6703\u70ba\u6295\u8cc7\u8005\u5e36\u4f86\u5f88\u5927\u7684\u5fc3\u7406\u58d3\u529b\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u53e6\u5916\uff0c\u7531\u65bc\u9ec3\u91d1\u73fe\u8ca8\u7684\u50f9\u683c\u6ce2\u52d5\u76f8\u7576\u5287\u70c8\uff0c\u6240\u4ee5\u9ec3\u91d1\u73fe\u8ca8\u6bd4\u8f03\u9069\u5408\u77ed\u7dda\u4ea4\u6613\uff0c\u4e0d\u9069\u5408\u4f5c\u70ba\u9577\u671f\u6295\u8cc7\u3002\u5efa\u8b70\u6295\u8cc7\u8005\u53ef\u4ee5\u4e8b\u524d\u8a2d\u597d\u6b62\u640d\u9ede\uff0c\u8a02\u4e0b\u81ea\u5df1\u53ef\u4ee5\u627f\u64d4\u7684\u8667\u640d\u7a0b\u5ea6\u3002<\/span><\/p><h4><strong>\u9ec3\u91d1\u671f\u8ca8 Futures<\/strong><\/h4><p><span style=\"font-weight: 400;\">\u9ec3\u91d1\u671f\u8ca8\u5c31\u662f\u4ee5\u9ec3\u91d1\u70ba\u4ea4\u6613\u5c0d\u8c61\u7684\u671f\u8ca8\u5408\u7d04\uff0c\u5b83\u4e0d\u662f\u300c\u8ca8\u7269\u300d\u7684\u6982\u5ff5\uff0c\u800c\u662f\u5408\u7d04\u4ea4\u6613\u3002\u5927\u99ac\u4ea4\u6613\u6240\u6709\u63d0\u4f9b\u9019\u4e00\u985e\u6295\u8cc7\u7522\u54c1\u3002(\u9ede\u64ca<\/span><a href=\"https:\/\/www.bursamalaysia.com\/sites\/5bb54be15f36ca0af339077a\/assets\/5bb57e315f36ca0c38d98ed9\/derivatives_commodity_derivatives_FGLD_specification_chinese.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u9019\u88e1<\/span><\/a><span style=\"font-weight: 400;\">\u4e86\u89e3\u66f4\u591a\u5927\u99ac\u4ea4\u6613\u6240\u9ec3\u91d1\u671f\u8ca8\u8cc7\u6599)<\/span><\/p><p><span style=\"font-weight: 400;\">\u5982\u679c\u6295\u8cc7\u8005\u4e0d\u6253\u7b97\u5728\u671f\u8ca8\u5230\u671f\u7684\u6642\u5019\u62ff\u8ca8\uff0c\u5fc5\u9808\u5728\u5230\u671f\u524d\u8ce3\u51fa\uff0c\u5982\u679c\u8ce3\u51fa\u50f9\u683c\u4f4e\u904e\u8cb7\u9032\u50f9\u683c\uff0c\u7576\u7136\u7b49\u65bc\u8667\u640d\u3002<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>\u671f\u8ca8\u662f\u9ad8\u69d3\u687f\u7684\u4fdd\u8b49\u91d1\u4ea4\u6613\uff0c\u98a8\u96aa\u8f03\u9ad8\uff0c\u9069\u5408\u6295\u8cc7\u672c\u91d1\u6bd4\u8f03\u5927\uff0c\u77ed\u7dda\u8cb7\u8ce3\u548c\u591a\u7a7a\u4ea4\u6613\u7684\u6295\u8cc7\u8005\u3002<\/strong>\u5982\u679c\u4f60\u4e0d\u77e5\u9053\u4ec0\u9ebc\u662f\u671f\u8ca8\u3001\u4ec0\u9ebc\u662f\u4fdd\u8b49\u91d1\u4ea4\u6613\u3001\u5408\u7d04\u4ea4\u6613\uff0c\u5efa\u8b70\u4f60\u4e0d\u8981\u6025\u8457\u9078\u64c7\u9ec3\u91d1\u671f\u8ca8\u6295\u8cc7\u3002\u5148\u591a\u591a\u4e86\u89e3\u76f8\u95dc\u4fe1\u606f\u518d\u6c7a\u5b9a\u3002\u00a0<\/span><\/p><h4><span style=\"font-weight: 400;\">\u26a0\ufe0f<strong>\u5c0f\u63d0\u9192<\/strong><\/span><\/h4><p><span style=\"font-weight: 400;\">\u96d6\u7136\u9ec3\u91d1\u662f\u8a31\u591a\u6295\u8cc7\u8005\u516c\u8a8d\u7684\u907f\u96aa\u8cc7\u91d1\uff0c\u4f46\u5b83\u7684\u50f9\u683c\u4e5f\u6703\u88ab\u5e02\u5834\u60c5\u7dd2\u5f71\u97ff\u800c\u4e0a\u4e0b\u6ce2\u52d5\u3002<\/span><a href=\"https:\/\/www.enanyang.my\/%E5%9B%BD%E9%99%85%E8%B4%A2%E7%BB%8F\/%E7%BE%8E%E5%B0%B1%E4%B8%9A%E4%BD%B3%E6%8B%96%E7%B4%AF%E9%87%91%E4%BB%B7\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">High Ridge\u671f\u8ca8\u91d1\u5c6c\u4ea4\u6613\u7e3d\u76e3\u5927\u885b\u83ab\u683c<\/span><\/a><span style=\"font-weight: 400;\">\u6700\u8fd1\u4e5f\u8aaa\uff0c\u96a8\u8457\u5168\u7403\u7d93\u6fdf\u6f38\u6f38\u6a02\u89c0\uff0c\u53ef\u80fd\u6703\u8b93\u8a31\u591a\u8cc7\u91d1\u6d41\u9032\u80a1\u5e02\uff0c\u9020\u6210\u9ec3\u91d1\u50f9\u683c\u4e0b\u8dcc\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u96d6\u7136\u6211\u5011\u90fd\u4e0d\u77e5\u9053\u5927\u885b\u83ab\u683c\u7684\u9810\u8a00\u6703\u4e0d\u6703\u6210\u70ba\u4e8b\u5be6\uff0c\u4f46\u6295\u8cc7\u8005\u5fc5\u9700\u660e\u767d\uff0c<strong>\u6295\u8cc7\u9ec3\u91d1\u4e5f\u6709\u8667\u640d\u7684\u53ef\u80fd\uff0c\u7d55\u5c0d\u4e0d\u5b58\u5728\u6240\u8b02\u300c\u96f6\u98a8\u96aa\u300d\u3001\u300c\u4fdd\u8b49\u4e0d\u8667\u640d\u300d\u7684\u60c5\u6cc1\u3002<\/strong><\/span><\/p><h6>\u00a0<\/h6><h3><span style=\"color: #0096ff;\"><strong>2. \u80a1\u7968 Stocks<\/strong><\/span><\/h3><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u80a1\u7968\u662f\u5927\u90e8\u5206\u4eba\u6700\u719f\u6089\u7684\u6295\u8cc7\u5de5\u5177\uff0c\u5728\u8b49\u5238\u884c\u6216<\/span><a href=\"https:\/\/www.rakutentrade.my\/device\/accountopening?mode=web&amp;source=finsparkvim&amp;referralcode=VALUEINMIND\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u7dda\u4e0a\u4ea4\u6613\u5e73\u53f0<\/span><\/a><span style=\"font-weight: 400;\">\u958b\u8a2d\u6295\u8cc7\u6236\u53e3\uff0c\u5c31\u53ef\u4ee5\u5728\u80a1\u5e02\u88cf\u8cb7\u8ce3\u80a1\u7968\uff0c\u5f9e\u8cc7\u672c\u589e\u503c\uff08\u4f4e\u8cb7\u9ad8\u8ce3\u8cfa\u53d6\u5dee\u50f9\uff09\u6216\u80a1\u606f\u8cfa\u53d6\u56de\u916c\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u807d\u8d77\u4f86\u5f88\u7c21\u55ae\uff0c\u4f46\u4e0d\u4fdd\u8b49\u4e00\u5b9a\u7372\u5229\uff0c\u5982\u679c\u6295\u8cc7\u8005\u5c0d\u6295\u8cc7\u7684\u516c\u53f8\u3001\u884c\u696d\u8da8\u52e2\u3001\u6295\u8cc7\u7b56\u7565\u7b49\u7b49\u4e00\u9ede\u8a8d\u8b58\u90fd\u6c92\u6709\uff0c\u53ea\u662f\u76f2\u76ee\u8ddf\u98a8\uff0c\u8f15\u6613\u76f8\u4fe1\u5225\u4eba\u7d66\u7684\u300ctips\u300d\uff0c\u5f88\u5bb9\u6613\u4e2d\u62db\u800c\u5728\u80a1\u5e02\u88ab\u5957\u7262\u3002<\/span><\/p><p><strong>\u63db\u53e5\u8a71\u8aaa\uff0c\u6295\u8cc7\u80a1\u7968\u7684\u76c8\u8667\uff0c\u5f88\u5927\u7a0b\u5ea6\u4e0a\u53d6\u6c7a\u65bc\u6295\u8cc7\u8005\u6709\u6c92\u6709\u82b1\u6642\u9593\u5b78\u7fd2\u548c\u505a\u529f\u8ab2<\/strong><span style=\"font-weight: 400;\"><strong>\uff0c\u5f9e\u4e2d\u7d2f\u7a4d\u5c0d\u5404\u884c\u5404\u696d\u7684\u8a8d\u8b58\u3002<\/strong>\u7562\u7adf\u5929\u4e0b\u6c92\u6709\u767d\u5403\u7684\u5348\u9910\u554a\uff0c\u6295\u8cc7\u8981\u8cfa\u9322\uff0c\u4e5f\u5f97<a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-investment-4-tips\/?utm_source=marketing&amp;utm_medium=website_blog&amp;utm_campaign=financial-investment-4-tips-should-i-invest-with-epf-i-sinar\" target=\"_blank\" rel=\"noopener\">\u4ed8\u51fa\u6642\u9593\u548c\u7cbe\u795e\u5b78\u7fd2<\/a>\u5594\uff01<\/span><\/p><h6>\u00a0<\/h6><h6>\u00a0<\/h6><h3><strong><span style=\"color: #0096ff;\">3. \u4fe1\u6258\u57fa\u91d1 Mutual Fund<\/span><\/strong><\/h3><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u4fe1\u6258\u57fa\u91d1\u5c31\u662f\u5c07\u8a31\u591a\u4eba\u7684\u9322\uff0c\u532f\u96c6\u5728\u4e00\u6a94\u57fa\u91d1\u7ba1\u7406\u55ae\u4f4d\u91cc\uff0c\u7531\u57fa\u91d1\u7d93\u7406\u5c07\u9019\u7b46\u9322\u6295\u5165\u80a1\u5e02\u3002<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>\u9019\u7a2e\u6295\u8cc7\u65b9\u6cd5\u7684\u6700\u5927\u597d\u8655\u5c31\u662f\u98a8\u96aa\u76f8\u5c0d\u4f4e<\/strong>\uff0c\u56e0\u70ba\u57fa\u91d1\u7d93\u7406\u90fd\u5177\u5099\u4e00\u5b9a\u7684\u5c08\u696d\u6295\u8cc7\u6c34\u5e73\uff0c\u6709\u4e00\u5957\u6295\u8cc7\u7b56\u7565\uff0c\u77e5\u9053\u600e\u9ebc\u6a23\u904b\u7528\u9019\u7b46\u9322\u3002\u7c21\u55ae\u4f86\u8aaa\uff0c\u7576\u4f60\u4e0d\u77e5\u9053\u61c9\u8a72\u8cb7\u54ea\u4e00\u652f\u80a1\u7968\u6642\uff0c\u5c31\u4ea4\u7d66\u6703\u6295\u8cc7\u7684\u4eba\uff08\u57fa\u91d1\u7d93\u7406\uff09\u5e6b\u4f60\u6c7a\u5b9a\u5427\uff01\u7576\u4f60\u6295\u8cc7\u57fa\u91d1\uff0c\u5c31\u610f\u5473\u8457\u4f60\u8cb7\u9032\u4e86\u5341\u5e7e\u652f\uff0c\u751a\u81f3\u662f\u4e0a\u767e\u652f\u80a1\u7968\u80a1\u7968\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c\u4fe1\u6258\u57fa\u91d1\u7684\u6295\u8cc7\u5c0d\u8c61\u591a\u6a23\u5316\uff0c\u53ef\u4ee5\u5206\u6563\u98a8\u96aa\uff0c\u4e0d\u6703\u56e0\u70ba\u4e00\u5169\u652f\u80a1\u7968\u4e0b\u8dcc\uff0c\u5c31\u8b93\u6295\u8cc7\u8005\u9762\u81e8\u5de8\u5927\u8667\u640d\u3002\u4f46\u662f\u9019\u7a2e\u6295\u8cc7\u7b56\u7565\uff0c\u4e5f\u8a3b\u5b9a\u4e86\u6295\u8cc7\u8005\u6c92\u6709\u8fa6\u6cd5\u50cf\u5728\u80a1\u5e02\u88e1\u8cb7\u5230\u66b4\u6f32\u80a1\u90a3\u6a23\uff0c\u4e00\u4e0b\u5b50\u300c\u767c\u5927\u8ca1\u300d\u3002\u56e0\u70ba\u57fa\u91d1\u6295\u8cc7\u5728\u67d0\u500b\u884c\u696d\u8cfa\u4f86\u7684\u9322\uff0c\u6709\u53ef\u80fd\u6703\u88ab\u53e6\u4e00\u4e9b\u6bd4\u8f03\u6158\u6de1\u7684\u884c\u696d\u5206\u8584\u6389\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u5728\u6295\u8cc7\u4fe1\u6258\u57fa\u91d1\u4e4b\u524d\uff0c\u6709\u5169\u9ede\u8981\u6ce8\u610f\u3002\u7b2c\u4e00\u662f\u57fa\u91d1\u7d93\u7406\u7684\u6295\u8cc7\u98a8\u683c\u548c\u7b56\u7565\u3002\u6709\u7684\u57fa\u91d1\u7684\u7b56\u7565\u6703\u6bd4\u8f03\u6fc0\u9032\uff0c\u6216\u8005\u592a\u904e\u96c6\u4e2d\u5728\u67d0\u4e00\u500b\u884c\u696d\uff0c\u96d6\u7136\u9019\u6709\u6a5f\u6703\u5e36\u4f86\u66f4\u5927\u7684\u56de\u916c\uff0c\u4f46\u6295\u8cc7\u8005\u4e5f\u6703\u9762\u5c0d\u66f4\u5927\u7684\u98a8\u96aa\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7b2c\u4e8c\u662f\u6bcf\u4e00\u6a94\u57fa\u91d1\u90fd\u6703\u6536\u53d6\u5404\u7a2e\u8cbb\u7528\uff0c\u5305\u62ec\u92b7\u552e\u8cbb\u3001\u5e74\u5ea6\u7ba1\u7406\u8cbb\u3001\u8f49\u63db\u8cbb\u7b49\uff0c\u6703\u589e\u52a0\u6295\u8cc7\u6210\u672c\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u9806\u5e36\u63d0\u9192\uff0c\u8cb7\u57fa\u91d1\u4e5f\u4e0d\u662f\u7d55\u5c0d\u96f6\u98a8\u96aa\uff0c\u570b\u5167\u4fbf\u6709\u4e00\u4e9b\u57fa\u91d1\u662f\u96f6\u56de\u5831\uff0c\u548c\u5b8c\u5168\u6c92\u6709\u6d3e\u606f\u7684\u3002\u5728\u9078\u64c7\u57fa\u91d1\u7684\u6642\u5019\u5fc5\u9808\u591a\u591a\u6ce8\u610f\uff01<\/span><\/p><h6>\u00a0<\/h6><h3><span style=\"color: #0096ff;\"><strong>4. \u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1 ETF<\/strong><\/span><\/h3><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u4e0d\u60f3\u652f\u4ed8\u6295\u8cc7\u57fa\u91d1\u7684\u8cbb\u7528\uff0c\u4f46\u662f\u537b\u60f3\u6295\u8cc7\u57fa\u91d1\uff1f\u90a3\u9ebc\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\u6703\u662f\u4e0d\u932f\u7684\u9078\u64c7\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">ETF\u662f\u4ea4\u6613\u578b\u6307\u6578\u57fa\u91d1\u3002\u5b83\u662f\u6839\u64da\u6bd4\u4f8b\u8cfc\u8cb7\u80a1\u7968\u6307\u6578\u3001\u50b5\u5238\u6307\u6578\u6216\u8cb4\u91d1\u5c6c\u6307\u6578\u7684\u6210\u5206\u80a1\u3002<\/span><span style=\"font-weight: 400;\">\u6709\u4e0d\u5c11\u99ac\u4f86\u897f\u4e9e\u7684\u6295\u8cc7\u8005\u66f4\u50be\u5411\u65bc\u6295\u8cc7\u7f8e\u570bETF\uff0c\u4f60\u53ef\u4ee5<\/span><span style=\"font-weight: 400;\">\u95b1\u8b80<a href=\"https:\/\/valueinmind.co\/what-is-etf\/\" target=\"_blank\" rel=\"noopener\">\u9019\u7bc7\u6587\u7ae0<\/a><\/span><span style=\"font-weight: 400;\">\u4e86\u89e3\u66f4\u591a\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u548c\u4fe1\u6258\u57fa\u91d1\u4e00\u6a23\uff0c<strong>ETF\u7684\u6295\u8cc7\u5c0d\u8c61\u591a\u6a23\u5316\uff0c\u53ef\u4ee5\u5e6b\u52a9\u6295\u8cc7\u8005\u5206\u6563\u98a8\u96aa\u3002<\/strong>\u800c\u4e14ETF\u7684\u4ea4\u6613\u65b9\u5f0f\u6bd4\u8f03\u65b9\u4fbf\uff0c\u53ef\u4ee5\u76f4\u63a5\u5728\u4ea4\u6613\u6240\u88e1\u8cb7\u8ce3\uff0c\u6240\u9700\u7684\u8cbb\u7528\u4e5f\u76f8\u5c0d\u4f4e\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u540c\u6a23\u7684\uff0c\u6295\u8cc7ETF\u4e5f\u6709\u5169\u9ede\u8981\u6ce8\u610f\u3002\u7b2c\u4e00\u662f\u5b83\u7684\u6295\u8cc7\u7d44\u5408\u6703\u4e0d\u6703\u592a\u904e\u96c6\u4e2d\u800c\u5e36\u4f86\u66f4\u5927\u98a8\u96aa\uff1b\u7b2c\u4e8c\u5247\u662f\u7531\u65bcETF\u5728\u5927\u99ac\u9084\u4e0d\u7b97\u5f88\u666e\u53ca\uff0c\u6240\u4ee5\u4ea4\u6613\u91cf\u6703\u6bd4\u8f03\u4f4e\uff0c\u9020\u6210\u4e86\u6295\u8cc7\u8005\u4e0d\u592a\u5bb9\u6613\u6210\u529f\u8cb7\u9032\u548c\u8ce3\u51fa\u3002<\/span><\/p><h6>\u00a0<\/h6><h3><span style=\"color: #0096ff;\"><strong>5. \u623f\u5730\u7522\u4fe1\u6258\u57fa\u91d1 REITs<\/strong><\/span><\/h3><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">REITs\uff08\u623f\u5730\u7522\u4fe1\u6258\u57fa\u91d1\uff09\u900f\u904e\u96c6\u5408\u6295\u8cc7\u8005\u7684\u8cc7\u91d1\uff0c\u6536\u8cfc\u548c\u6295\u8cc7\u4e00\u4e9b\u5177\u6709\u5546\u696d\u50f9\u503c\u7684\u623f\u7522\uff0c\u5305\u62ec\u516c\u5bd3\u3001\u8fa6\u516c\u6a13\u3001\u8cfc\u7269\u4e2d\u5fc3\u3001\u5de5\u696d\u5efa\u7bc9\u3001\u9152\u5e97\u7b49\u7b49\uff0c\u518d\u4ea4\u7d66\u7522\u696d\u7ba1\u7406\u516c\u53f8\u6253\u7406\u3002 REITs\u7684\u6536\u5165\u4e3b\u8981\u4f86\u81ea\u79df\u6236\u7e73\u4ed8\u7684\u79df\u91d1\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6263\u9664\u5404\u7a2e\u8cbb\u7528\u5f8c\u7559\u4e0b\u7684\u6de8\u5229\uff0cREITs\u6703\u4ee5\u6536\u76ca\u5206\u914d\u7684\u5f62\u5f0f\uff0c\u6d3e\u767c\u80a1\u606f\u7d66\u6295\u8cc7\u8005\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6295\u8cc7REITs\u67093\u5927\u597d\u8655\u3002\u7b2c\u4e00\u662f<strong>\u5206\u6563\u98a8\u96aa<\/strong>\uff0c\u56e0\u70baREITs\u65d7\u4e0b\u8cc7\u7522\u5341\u5206\u591a\u5143\uff0c\u53ef\u80fd\u540c\u6642\u5305\u542b\u8cfc\u7269\u5546\u5834\u3001\u5546\u696d\u5927\u6a13\u7b49\u7b49\u3002\u56e0\u6b64\u6536\u5165\u4f86\u6e90\u4e0d\u6703\u904e\u65bc\u504f\u5411\u4efb\u4f55\u4e00\u500b\u8cc7\u7522\u3002\u800c\u4e14REIT\u90fd\u662f\u7531\u5c08\u696d\u57fa\u91d1\u7d93\u7406\u4f86\u7ba1\u7406\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7b2c\u4e8c\u662f\u570b\u5167REITs\u7684<strong>\u6d3e\u606f\u7387\u76f8\u7576\u7a69\u5b9a<\/strong>\uff0c\u80a1\u606f\u7387\u7dad\u6301\u57284%\u52307%\u4e4b\u9593\u3002\u800c\u4e14\u99ac\u4f86\u897f\u4e9e\u8b49\u5238\u59d4\u54e1\u6703\uff08SC\uff09\u660e\u6587\u898f\u5b9aREITs\u5fc5\u9700\u628a90%\u7684\u7a05\u5f8c\u76c8\u5229\uff0c\u4ee5\u80a1\u606f\u5f62\u5f0f\u6d3e\u767c\u7d66\u6295\u8cc7\u8005\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u7b2c\u4e09\u5247\u662fSC\u5df2\u898f\u5b9aREITs\u7684<strong>\u8ca0\u50b5\u7387\u4e0d\u53ef\u4ee5\u8d85\u904e60%<\/strong>\uff0c\u9019\u7b49\u65bc\u70baREITs\u7684\u8cc7\u7522\u7d20\u8cea\u63d0\u4f9b\u4e86\u4fdd\u969c\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u4e0d\u904e\uff0c\u6295\u8cc7\u8005\u9084\u662f\u5f97\u5c0d\u6bd4\u5404\u500bREIT\u7684\u8cc7\u7522\u7d44\u5408\uff0c\u5982\u679c\u5b83\u7684\u8cc7\u7522\u5750\u843d\u5728\u597d\u7684\u5730\u9ede\uff0c\u4f8b\u5982\u5e02\u4e2d\u5fc3\u548c\u9700\u6c42\u65fa\u76db\u7684\u5730\u5e36\uff0c\u9019\u500bREIT\u6703\u6bd4\u8f03\u6297\u8dcc\uff0c\u53ef\u4ee5\u5e36\u4f86\u76f8\u5c0d\u8c50\u539a\u7684\u56de\u916c\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6211\u5011\u6703\u5b9a\u671f\u6bcf\u500b\u661f\u671f\u70ba\u5927\u5bb6\u66f4\u65b0\u99ac\u4f86\u897f\u4e9eREITs\u8cc7\u6599\u5eab\uff0c\u4f60\u53ef\u4ee5\u5728<\/span><a href=\"https:\/\/valueinmind.co\/m-reit-data\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u9019\u88cf<\/span><\/a><span style=\"font-weight: 400;\">\u7372\u5f97REITs\u7684\u6700\u65b0\u6578\u64da\uff01<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-037ada6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"037ada6\" data-element_type=\"section\" id=\"sec1\">\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-89835a4\" data-id=\"89835a4\" 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-690c1fc elementor-widget elementor-widget-text-editor\" data-id=\"690c1fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span style=\"color: #262262;\"><strong>\u554f\u984c\u662f\uff0c\u81ea\u5df1\u63d0\u6b3e\u6295\u8cc7\u662f\u4e0d\u662f\u771f\u7684\u53ef\u4ee5\u8cfa\u5f97\u6bd4EPF\u5229\u606f\u66f4\u9ad8\uff1f<\/strong><\/span><\/h2><h6>\u00a0<\/h6><h6><img decoding=\"async\" class=\"size-full wp-image-7812 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u76c8\u5229\u8667\u640d.png\" alt=\"\u6295\u8cc7\u76c8\u5229\u8667\u640d\" width=\"780\" height=\"519\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u76c8\u5229\u8667\u640d.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u76c8\u5229\u8667\u640d-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2021\/03\/\u6295\u8cc7\u76c8\u5229\u8667\u640d-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/h6><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u4e86\u89e3\u4e86\u5404\u7a2e\u6295\u8cc7\u7522\u54c1\u5f8c\uff0c\u8b93\u6211\u5011\u56de\u5230\u6700\u6839\u672c\u7684\u554f\u984c\uff1a\u81ea\u5df1\u63d0\u6b3e\u6295\u8cc7\uff0c\u662f\u4e0d\u662f\u53ef\u4ee5\u8cfa\u5f97\u6bd4EPF\u5229\u606f\u66f4\u9ad8\uff1f\u6216\u8005\u6211\u5011\u61c9\u8a72\u9019\u9ebc\u554f\uff1a\u5728\u75ab\u60c5\u5f71\u97ff\u570b\u5167\u7d93\u6fdf\u4e43\u81f3\u500b\u4eba\u6536\u5165\u7684\u60c5\u6cc1\u4e0b\uff0c\u6211\u5011\u61c9\u4e0d\u61c9\u8a72\u5f9eEPF\u6236\u53e3\u62ff\u9322\u51fa\u4f86\u6295\u8cc7\uff1f\u63d0\u6b3e\u524d\u9700\u8981\u8003\u91cf\u4ec0\u9ebc\u56e0\u7d20\uff1f<\/span><\/p><p><span style=\"font-weight: 400;\">\u5c0d\u6211\u4f86\u8aaa\uff0cEPF\u5229\u606f\u96d6\u7136\u4e00\u5e74\u6bd4\u4e00\u5e74\u6e1b\u5c11\uff0c\u4f46\u81f3\u5c11\u9084\u67095.20%\uff0c\u7b97\u662f\u300c\u721b\u8239\u90fd\u6709\u4e09\u6839\u91d8\u300d\uff0c\u751a\u81f3<strong>\u6bd4\u5e02\u5834\u4e0a\u4e0d\u5c11\u6295\u8cc7\u7522\u54c1\u7684\u56de\u916c\u4f86\u5f97\u9ad8<\/strong>\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c<strong>EPF\u5c07\u8cc7\u91d1\u4ea4\u7d66\u5c08\u696d\u57fa\u91d1\u7d93\u7406\u6253\u7406\uff0c\u7b49\u65bc\u76f8\u5c0d\u5b89\u5168\u3002<\/strong>\u5982\u679c\u81ea\u5df1\u6c92\u6709\u8db3\u5920\u7684\u6295\u8cc7\u77e5\u8b58\u548c\u4fe1\u5fc3\uff0c\u8cbf\u8cbf\u7136\u63d0\u6b3e\u6295\u8cc7\u7684\u98a8\u96aa\u6703\u5f88\u5927\u3002\u800c\u4e14\uff0c\u662f\u4e0d\u662f\u771f\u7684\u53ef\u4ee5\u8cfa\u5f97\u6bd4EPF\u5229\u606f\u66f4\u9ad8\uff0c\u5176\u5be6\u975e\u5e38\u8003\u9a57\u4f60\u9078\u64c7\u7684\u6295\u8cc7\u7522\u54c1\uff0c\u4ee5\u53ca\u63a1\u7528\u7684\u6295\u8cc7\u7b56\u7565\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6700\u91cd\u8981\u7684\u4e00\u9ede\u662f\uff0c<strong>EPF\u5b58\u5728\u7684\u76ee\u7684\u662f\u70ba\u4e86\u990a\u8001<\/strong>\uff0c\u63d0\u524d\u53d6\u6b3e\uff0c\u628a\u5b83\u653e\u9032\u98a8\u96aa\u66f4\u5927\u7684\u6295\u8cc7\u7522\u54c1\uff0c\u4e00\u4e0d\u5c0f\u5fc3\u5c31\u6703\u640d\u5bb3\u5230\u990a\u8001\u91d1\uff01<\/span><\/p><p><span style=\"font-weight: 400;\">\u9806\u5e36\u4e00\u63d0\uff0c\u99ac\u65b0\u793e\u65b0\u805e\u63d0\u5230\u7684\u662fT20\u65cf\u7fa4\uff0c\u5c6c\u65bc\u9ad8\u6536\u5165\u548c\u9ad8\u8cc7\u7522\u7684\u4e00\u7fa4\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u4ed6\u5011\u7684\u5b58\u6b3e\u548c\u8cc7\u91d1\u5fc5\u7136\u96c4\u539a\u5f97\u591a\uff0c\u53ef\u4ee5\u627f\u53d7\u66f4\u5927\u98a8\u96aa\uff1b<strong>\u5982\u679c\u81ea\u5df1\u7684\u8ca1\u52d9\u6bd4\u8f03\u62ee\u636e\uff0c\u5efa\u8b70\u4e0d\u8981\u76f2\u76ee\u8ddf\u98a8\u3002<\/strong><\/span><\/p><h2><span style=\"color: #262262;\"><b>\u4f60\u7684\u80fd\u529b\u6c7a\u5b9a\u4e86\u4e00\u5207<\/b><\/span><\/h2><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u4e0b\u9762\u91dd\u5c0d\u4e0d\u540c\u4eba\u7fa4\uff0c\u7d66\u5927\u5bb6\u4e00\u4e9b\u5efa\u8b70\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u26a0\ufe0f<\/span><span style=\"font-weight: 400;\">\u6ce8\u610f\uff0c\u6240\u6709\u5167\u5bb9\u90fd\u662f\u500b\u4eba\u7d93\u9a57\u5206\u4eab\uff0c\u6c92\u6709\u4efb\u4f55\u4ea4\u6613\u63a8\u85a6\u8207\u5efa\u8b70\u3002\u6295\u8cc7\u4ea4\u6613\u5747\u5b58\u5728\u98a8\u96aa\uff0c\u53ef\u80fd\u5c0e\u81f4\u8667\u640d\u3002\u5728\u6295\u8cc7\u524d\u52d9\u5fc5\u8981\u8b39\u614e\u8a55\u4f30\u98a8\u96aa\uff0c\u638c\u63e1\u6b63\u78ba\u6295\u8cc7\u77e5\u8b58\u5594\u3002<\/span><\/p><p><b>\u6295\u8cc7\u7d93\u9a57\u8c50\u5bcc\u8005\uff1a<\/b><span style=\"font-weight: 400;\">\u53ef\u4ee5\u5617\u8a66\u9032\u5165\u80a1\u5e02\uff0c\u6191\u8457\u81ea\u5df1\u7684\u7d30\u5fc3\u7814\u7a76\u548c\u52aa\u529b\u8cfa\u53d6\u8c50\u539a\u56de\u916c\u3002<\/span><\/p><p><b>\u7f3a\u4e4f\u6295\u8cc7\u7d93\u9a57\u8005\uff1a<\/b><span style=\"font-weight: 400;\">\u8cb7\u4fe1\u6258\u57fa\u91d1\u6216ETF\u6703\u6bd4\u8f03\u5b89\u5168\uff0c\u56e0\u70ba\u6295\u8cc7\u7d44\u5408\u6bd4\u8f03\u5206\u6563\uff0c\u53ef\u4ee5\u7de9\u885d\u98a8\u96aa\u3002\u4f46\u9084\u662f\u5fc5\u9808\u4e8b\u5148\u505a\u8db3\u529f\u8ab2\u3002<\/span><\/p><p><b>\u8ca1\u52d9\u72c0\u6cc1\u9084\u7b97\u7a69\u5b9a\u8005\uff1a<\/b><span style=\"font-weight: 400;\">\u5efa\u8b70\u53ea\u4f7f\u7528\u4e3b\u52d5\u6536\u5165\uff08\u85aa\u6c34\u3001\u4f63\u91d1\u7b49\u7b49\uff09\uff0c\u6216\u8005\u9280\u884c\u5132\u84c4\u4f86\u6295\u8cc7\uff0c\u975e\u5fc5\u8981\u6642\u90fd\u4e0d\u8981\u52d5\u7528\u5230EPF\u5b58\u6b3e\u3002<\/span><\/p><p><b>EPF\u548c\u9280\u884c\u5b58\u6b3e\u672c\u4f86\u5c31\u4e0d\u591a\u8005\uff08\u6bd4\u5982\u5c11\u904e\u4e00\u842c\u4ee4\u5409\uff09\uff1a<\/b><span style=\"font-weight: 400;\">\u5efa\u8b70\u4e0d\u8981\u62ff\u9322\u51fa\u4f86\u6295\u8cc7\uff0c\u7562\u7adf\u6bcf\u500b\u4eba\u90fd\u9700\u8981\u4e00\u7b46\u9322\u4f86\u990a\u8001\u6216\u662f\u61c9\u6025\u3002<\/span><\/p><h2><span style=\"color: #262262;\"><strong>\u7d50\u8a9e<\/strong><\/span><\/h2><h6>\u00a0<\/h6><p><span style=\"font-weight: 400;\">\u7c21\u55ae\u4f86\u8aaa\uff0c\u4e0d\u7ba1\u81ea\u5df1\u6295\u8cc7\u6709\u6c92\u6709\u6a5f\u6703\u8cfa\u5f97\u6bd4EPF\u5229\u606f\u66f4\u9ad8\uff0c<strong>\u6211\u90fd\u4e0d\u5efa\u8b70\u5f9eEPF\u63d0\u6b3e\u53bb\u6295\u8cc7<\/strong>\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u9664\u975e\u8ca1\u52d9\u72c0\u6cc1\u51fa\u73fe\u7d05\u8272\u8b66\u5831\uff0c\u751a\u81f3\u5df2\u7d93\u5c71\u7aae\u6c34\u76e1\uff0c\u9023\u5403\u98ef\u90fd\u6210\u554f\u984c\u6642\uff0c\u6211\u624d\u6703\u8003\u616e\u52d5\u7528\u516c\u7a4d\u91d1\u88cf\u7684\u9322\u4f86\u6551\u6025\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u771f\u7684\u60f3\u8981\u901a\u904e\u6295\u8cc7\u4f86\u7d2f\u7a4d\u88ab\u52d5\u6536\u5165\uff0c\u6210\u70ba\u9000\u4f11\u91d1\u7684\u7a69\u5b9a\u4f86\u6e90\u4e4b\u4e00\uff0c\u6211\u6703\u9078\u64c7\u5f9e\u4e3b\u52d5\u6536\u5165\u53bb\u898f\u5283\u3002<strong>\u56e0\u6b64\uff0c\u6211\u6703\u60f3\u8fa6\u6cd5\u63d0\u5347\u6211\u7684\u4e3b\u52d5\u6536\u5165\uff0c\u548c\u8001\u95c6\u8ac7\u52a0\u85aa\uff0c\u6216\u8005\u5229\u7528\u4e0b\u73ed\u548c\u7a7a\u9592\u6642\u9593\u517c\u8077\u8cfa\u53d6\u984d\u5916\u6536\u5165\uff0c\u4e26\u4e14<a href=\"https:\/\/valueinmind.co\/zh\/courses\/\" target=\"_blank\" rel=\"noopener\">\u5b89\u6392\u6642\u9593\u5b78\u7fd2\u7406\u8ca1\u6295\u8cc7\u77e5\u8b58<\/a>\uff0c\u5148\u81ea\u6211\u589e\u503c\u3002<\/strong>\u6700\u5f8c\uff0c\u518d\u898f\u5283\u4e00\u90e8\u5206\u7684\u6de8\u6536\u5165\uff0c\u6295\u8cc7\u5728\u7a69\u5b9a\u6210\u9577\u7684\u6295\u8cc7\u7522\u54c1\u4e0a\u3002<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dc99321 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc99321\" 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-d96571b\" data-id=\"d96571b\" 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-f75927e elementor-widget elementor-widget-text-editor\" data-id=\"f75927e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote><strong>\u5047\u5982\u4f60\u4e5f\u60f3\u958b\u59cb\u6295\u8cc7\uff0c\u4f46\u662f\u4e0d\u77e5\u9053\u5f9e\u54ea\u88cf\u958b\u59cb\uff0c\u90a3\u9ebc\u6b61\u8fce\u4f60\u514d\u8cbb\u9818\u53d6<a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-investment-4-tips\/\">\u300a\u6295\u8cc7\u5165\u9580\u653b\u7565\u300b<\/a>\uff0c\u5b78\u7fd2\u4f4e\u98a8\u96aa\u53c8\u5b89\u5168\u7684\u6295\u8cc7\u7b56\u7565\uff01<\/strong><\/blockquote>\n<h6><\/h6>\n<h6><\/h6>\n<iframe width=\"560\" height=\"500\" src=\"https:\/\/www.youtube.com\/embed\/WkzHLjeDm9o\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n\n<pre><strong>\u3010\u66f4\u591aEPF\u7cfb\u5217\u6587\u7ae0\uff1a\u3011<\/strong><\/pre>\n<span style=\"font-weight: 400;\">1. <a href=\"https:\/\/valueinmind.co\/should-i-withdraw-money-from-epf-i-sinar\/\" target=\"_blank\" rel=\"noopener\">i-Sinar\u7b2c\u4e00\u6236\u53e3\u958b\u653e\u5168\u6c11\u7533\u8acb\u63d0\u6b3e\uff01\u6211\u61c9\u8a72\u628a\u9322\u62ff\u51fa\u4f86\u55ce\uff1f<\/a><\/span>\n\n<span style=\"font-weight: 400;\">2. <a href=\"https:\/\/valueinmind.co\/invest-in-unit-trust-with-epf\/\" target=\"_blank\" rel=\"noopener\">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<\/a><\/span>\n<h2><\/h2>\n<h2><span style=\"color: #262262;\"><b>\u514d\u8cac\u8072\u660e<\/b><\/span><\/h2>\n<h6><span style=\"font-weight: 400;\">\u00a0<\/span><\/h6>\n<span style=\"font-weight: 400;\">\u6b64\u6587\u7ae0\u5167\u5bb9\u50c5\u4f5c\u70ba\u6559\u5b78\u3001\u5206\u4eab\u53ca\u53c3\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u5c08\u696d\u7684\u6295\u8cc7\u5efa\u8b70\u3002\u7531\u65bc\u500b\u4eba\u7684\u60c5\u6cc1\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u806f\u4fc2\u50f9\u503c\u601d\u7dad\u6216\u54a8\u8a62\u4f60\u7684\u7406\u8ca1\u898f\u5283\u5e2b\u4ee5\u53d6\u5f97\u5c08\u696d\u7684\u5efa\u8b70\u3002<\/span>\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>\u5982\u679c\u4f60\u5c0d\u6295\u8cc7\u4e00\u7ac5\u4e0d\u901a\uff0c\u628a\u4f5c\u70ba\u990a\u8001\u91d1\u7684\u516c\u7a4d\u91d1\u53d6\u51fa\u6295\u8cc7\u6216\u8a31\u4e0d\u662f\u660e\u667a\u7684\u6c7a\u5b9a\uff0c\u751a\u81f3\u7121\u6cd5\u8cfa\u5f97\u6bd4EPF\u5229\u606f\u66f4\u9ad8\u3002\u771f\u7684\u60f3\u8981\u63d0\u6b3e\u6295\u8cc7\uff0c\u6709\u54ea\u4e9b\u6295\u8cc7\u7522\u54c1\u503c\u5f97\u95dc\u6ce8\uff1f<\/p>\n","protected":false},"author":2,"featured_media":7813,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[],"tags":[399,413,506],"_links":{"self":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/posts\/7809"}],"collection":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/comments?post=7809"}],"version-history":[{"count":0,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/posts\/7809\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/media\/7813"}],"wp:attachment":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/media?parent=7809"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/categories?post=7809"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/tags?post=7809"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}