{"id":380611,"date":"2021-05-03T15:55:14","date_gmt":"2021-05-03T22:55:14","guid":{"rendered":"https:\/\/nai500.com\/?p=380611"},"modified":"2021-05-05T11:30:52","modified_gmt":"2021-05-05T18:30:52","slug":"%e5%8c%97%e7%be%8e-%e8%82%a1%e7%a5%a8-%e6%8a%95%e8%b3%87-%e5%85%a5%e9%96%802-%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2021\/05\/%e5%8c%97%e7%be%8e-%e8%82%a1%e7%a5%a8-%e6%8a%95%e8%b3%87-%e5%85%a5%e9%96%802-%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85\/","title":{"rendered":"\u5317\u7f8e\u80a1\u7968\u6295\u8cc7\u5165\u95802 \u2013 \u6ce8\u610f\u4e8b\u9805"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u5728\u6587\u7ae0\u7684<a href=\"https:\/\/nai500.com\/zh-hant\/blog\/2021\/05\/%e5%8c%97%e7%be%8e-%e8%82%a1%e7%a5%a8-%e6%8a%95%e8%b3%87-%e5%85%a5%e9%96%801-%e6%8a%95%e8%b3%87-%e9%80%94%e5%be%91\/\" target=\"_blank\" rel=\"noopener\"><strong>\u7b2c\u4e00\u90e8\u5206<\/strong><\/a>\uff0c\u6211\u5011\u4ecb\u7d39\u4e86\u5728\u5317\u7f8e\u6709\u54ea\u4e9b\u6295\u8cc7\u80a1\u7968\u7684\u9014\u5f91\u3002\u4e0d\u904e\uff0c\u6295\u8cc7\u80a1\u7968\u4e0d\u662f\u958b\u7acb\u8cec\u6236\u4e4b\u5f8c\u5c31\u842c\u4e8b\u5927\u5409\u4e86\uff0c\u6211\u5011\u9084\u9700\u8981\u4e86\u89e3\u6709\u54ea\u4e9b\u6ce8\u610f\u4e8b\u9805\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><strong>\u958b\u8a2d\u8cec\u6236\u7684\u6700\u4f4e\u9650\u984d<\/strong>\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 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400;\">\u8cbb\u548c\u8cec\u6236\u7ba1\u7406\u8cbb\u3002\u9084\u6709\u4e00\u4e9b\u53ef\u80fd\u6703\u7d66\u958b\u6236\u7684\u4eba\u4e00\u5b9a\u6578\u91cf\u7684\u514d\u4f63\u91d1\u4ea4\u6613\u3002<\/span><\/p>\n<h2><strong>\u4f63\u91d1\u548c\u8cbb\u7528<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">\u6b63\u5982\u7d93\u6fdf\u5b78\u5bb6\u559c\u6b61\u8aaa\u7684\uff0c<\/span><a href=\"https:\/\/www.investopedia.com\/terms\/t\/tanstaafl.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u6c92\u6709\u514d\u8cbb\u7684\u5348\u9910<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u96d6\u7136\u6700\u8fd1\u8a31\u591a\u7d93\u7d00\u4eba\u7af6\u76f8\u964d\u4f4e\u6216\u53d6\u6d88\u4ea4\u6613\u4f63\u91d1\uff0cETF\u70ba\u6bcf\u500b\u80fd\u7528\u57fa\u672c\u7d93\u7d00\u8cec\u6236\u4ea4\u6613\u7684\u4eba\u63d0\u4f9b\u4e86\u6307\u6578\u6295\u8cc7\uff0c\u4f46\u6240\u6709\u7d93\u7d00\u4eba\u90fd\u5fc5\u9808\u4ee5\u9019\u7a2e\u6216\u90a3\u7a2e\u65b9\u5f0f\u5f9e\u5ba2\u6236\u90a3\u88e1\u8cfa\u9322\u3002<\/span><\/p>\n<p><span style=\"font-weight: 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400;\">\u6839\u64da\u4f60\u7684\u4ea4\u6613\u983b\u7387\uff0c\u9019\u4e9b\u8cbb\u7528\u6703\u589e\u52a0\u4e26\u5f71\u97ff\u4f60\u7684\u76c8\u5229\u80fd\u529b\u3002\u5982\u679c\u4f60\u983b\u7e41\u8df3\u5165\u548c\u8df3\u51fa\u982d\u5bf8\uff0c\u7279\u5225\u662f\u5728\u53ef\u6295\u8cc7\u7684\u8cc7\u91d1\u8f03\u5c11\u7684\u60c5\u6cc1\u4e0b\uff0c\u6295\u8cc7\u80a1\u7968\u7684\u6210\u672c\u53ef\u80fd\u975e\u5e38\u9ad8\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8a18\u4f4f\uff0c\u4ea4\u6613\u662f\u8cfc\u8cb7\u6216\u51fa\u552e\u4e00\u5bb6\u516c\u53f8\u80a1\u7968\u7684\u6307\u4ee4\u3002\u5982\u679c\u4f60\u60f3\u540c\u6642\u8cfc\u8cb7\u4e94\u652f\u4e0d\u540c\u7684\u80a1\u7968\uff0c\u9019\u88ab\u8996\u70ba\u4e94\u7b46\u7368\u7acb\u7684\u4ea4\u6613\uff0c\u4f60\u5c07\u70ba\u6bcf\u7b46\u4ea4\u6613\u4ed8\u8cbb\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u73fe\u5728\uff0c\u60f3\u50cf\u4e00\u4e0b\uff0c\u4f60\u6c7a\u5b9a\u7528\u4f60\u76841,000\u7f8e\u5143\u8cfc\u8cb7\u9019\u4e94\u5bb6\u516c\u53f8\u7684\u80a1\u7968\u3002\u70ba\u6b64\uff0c\u4f60\u5c07\u7522\u751f50\u7f8e\u5143\u7684\u4ea4\u6613\u8cbb\u7528\u2013\u5047\u8a2d\u8cbb\u7528\u662f10\u7f8e\u5143\uff0c\u9019\u76f8\u7576\u65bc\u4f601000\u7f8e\u5143\u76845%\u3002\u5982\u679c\u4f60\u5b8c\u5168\u6295\u8cc7\u90191000\u7f8e\u5143\uff0c\u4f60\u7684\u8cec\u6236\u5728\u6263\u9664\u4ea4\u6613\u8cbb\u7528\u5f8c\u5c07\u6e1b\u5c11\u5230950\u7f8e\u5143\u3002\u9019\u610f\u5473\u8457\u5728\u4f60\u7684\u6295\u8cc7\u9084\u6c92\u6709\u6a5f\u6703\u8cfa\u5230\u9322\u4e4b\u524d\uff0c\u5c31\u5df2\u7d93\u640d\u5931\u4e865%\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u8ce3\u51fa\u9019\u4e94\u96bb\u80a1\u7968\uff0c\u4f60\u5c07\u518d\u6b21\u7522\u751f\u4ea4\u6613\u6210\u672c\uff0c\u9019\u5c07\u662f\u53e6\u591650\u7f8e\u5143\u3002\u9019\u4e94\u96bb\u80a1\u7968\u7684\u5f80\u8fd4\uff08\u8cb7\u5165\u548c\u8ce3\u51fa\uff09\u5c07\u82b1\u8cbb\u4f60100\u7f8e\u5143\uff0c\u6216\u4f60\u521d\u59cb\u5b58\u6b3e\u91d1\u984d1000\u7f8e\u5143\u768410%\u3002\u5982\u679c\u4f60\u7684\u6295\u8cc7\u6536\u76ca\u4e0d\u8db3\u4ee5\u5f4c\u88dc\u9019\u4e00\u9ede\uff0c\u90a3\u9ebc\u4f60\u5149\u662f\u9032\u5165\u548c\u9000\u51fa\u982d\u5bf8\u5c31\u5df2\u7d93\u8667\u640d\u4e86\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u6253\u7b97\u7d93\u5e38\u4ea4\u6613\uff0c\u8acb\u67e5\u770b\u6211\u5011\u70ba<\/span><a href=\"https:\/\/www.investopedia.com\/best-brokers-for-low-costs-4587874\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u70ba\u8a3b\u91cd\u6210\u672c\u7684\u4ea4\u6613\u8005\u63d0\u4f9b\u7684\u7d93\u7d00\u5546\u540d\u55ae<\/span><\/a><span style=\"font-weight: 400;\">\u3002<\/span><\/p>\n<h2><strong>\u5171\u540c\u57fa\u91d1\u8ca0\u64d4\uff08\u8cbb\u7528\uff09<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">\u9664\u4e86\u8cfc\u8cb7<\/span><a href=\"https:\/\/www.investopedia.com\/terms\/m\/mutualfund.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u5171\u540c\u57fa\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\u7684\u4ea4\u6613\u8cbb<\/span><span style=\"font-weight: 400;\">\u4e4b\u5916\uff0c\u9084\u6709\u8207\u9019\u7a2e\u6295\u8cc7\u985e\u578b\u76f8\u95dc\u7684\u5176\u4ed6\u8cbb\u7528\u3002\u5171\u540c\u57fa\u91d1\u662f\u5c08\u696d\u7ba1\u7406\u7684\u6295\u8cc7\u8005\u8cc7\u91d1\u6c60\uff0c\u4ee5\u91cd\u9ede\u65b9\u5f0f\u9032\u884c\u6295\u8cc7\uff0c\u5982\u7f8e\u570b\u5927\u76e4\u80a1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6295\u8cc7\u8005\u5728\u6295\u8cc7\u5171\u540c\u57fa\u91d1\u6642\uff0c\u6703\u7522\u751f\u8a31\u591a\u8cbb\u7528\u3002\u9700\u8981\u8003\u616e\u7684\u6700\u91cd\u8981\u7684\u8cbb\u7528\u4e4b\u4e00\u662f\u7ba1\u7406\u8cbb\u7528\u7387\uff08MER\uff09\uff0c\u9019\u662f\u7ba1\u7406\u5718\u968a\u6bcf\u5e74\u6839\u64da\u57fa\u91d1\u7684\u8cc7\u7522\u6578\u91cf\u6536\u53d6\u7684\u8cbb\u7528\u3002\u7ba1\u7406\u8cbb\u7528\u7387\u6bcf\u5e74\u5f9e0.05%\u52300.7%\u4e0d\u7b49\uff0c\u6839\u64da\u57fa\u91d1\u7684\u985e\u578b\u800c\u6709\u6240\u4e0d\u540c\u3002\u4f46\u7ba1\u7406\u8cbb\u7528\u7387\u8d8a\u9ad8\uff0c\u5c0d\u57fa\u91d1\u7684\u6574\u9ad4\u6536\u76ca\u5f71\u97ff\u8d8a\u5927\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7576\u4f60\u8cfc\u8cb7\u5171\u540c\u57fa\u91d1\u6642\uff0c\u4f60\u53ef\u80fd\u6703\u770b\u5230\u4e00\u4e9b<\/span><a href=\"https:\/\/www.investopedia.com\/terms\/l\/loadfund.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u7a31\u4e4b\u70ba\u8ca0\u8377\u7684\u92b7\u552e\u8cbb\u7528<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u6709\u4e9b\u662f\u524d\u7aef\u8ca0\u8377\uff0c\u4f46\u4f60\u4e5f\u6703\u770b\u5230\u7121\u8ca0\u8377\u548c\u5f8c\u7aef\u8ca0\u8377\u57fa\u91d1\u3002\u5728\u8cfc\u8cb7\u4e4b\u524d\uff0c\u8acb\u78ba\u4fdd\u4f60\u4e86\u89e3\u4f60\u6b63\u5728\u8003\u616e\u7684\u57fa\u91d1\u662f\u5426\u6709\u92b7\u552e\u8ca0\u8377\u3002\u5982\u679c\u4f60\u60f3\u907f\u514d\u9019\u4e9b\u984d\u5916\u7684\u8cbb\u7528\uff0c\u8acb\u67e5\u770b\u4f60\u7684\u7d93\u7d00\u4eba\u7684\u7121\u8ca0\u8377\u57fa\u91d1\u548c\u7121\u4ea4\u6613\u8cbb\u57fa\u91d1\u7684\u6e05\u55ae\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5c31\u521d\u7d1a\u6295\u8cc7\u8005\u800c\u8a00\uff0c\u76f8\u5c0d\u65bc\u80a1\u7968\u7684\u4f63\u91d1\uff0c\u5171\u540c\u57fa\u91d1\u7684\u8cbb\u7528\u5be6\u969b\u4e0a\u662f\u4e00\u7a2e\u512a\u52e2\u3002\u5176\u539f\u56e0\u662f\uff0c\u7121\u8ad6\u4f60\u6295\u8cc7\u591a\u5c11\uff0c\u8cbb\u7528\u90fd\u662f\u4e00\u6a23\u7684\u3002\u56e0\u6b64\uff0c\u53ea\u8981\u4f60\u7b26\u5408\u958b\u6236\u7684\u6700\u4f4e\u8981\u6c42\uff0c\u4f60\u53ef\u4ee5\u6bcf\u6708\u53ea\u6295\u8cc750\u7f8e\u5143\u6216100\u7f8e\u5143\u5728\u5171\u540c\u57fa\u91d1\u4e2d\u3002\u9019\u500b\u8853\u8a9e\u88ab\u7a31\u70ba<\/span><a href=\"https:\/\/www.investopedia.com\/terms\/d\/dollarcostaveraging.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u7f8e\u5143\u6210\u672c\u5e73\u5747\u6cd5\uff08DCA\uff09<\/span><\/a><span style=\"font-weight: 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