{"id":5122,"date":"2024-09-18T15:29:30","date_gmt":"2024-09-18T07:29:30","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=5122"},"modified":"2024-09-18T15:29:34","modified_gmt":"2024-09-18T07:29:34","slug":"%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/","title":{"rendered":"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"671\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1024x671.jpg\" alt=\"\" class=\"wp-image-5123\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1024x671.jpg 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-300x197.jpg 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-768x503.jpg 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1536x1007.jpg 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-2048x1342.jpg 2048w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-696x456.jpg 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1068x700.jpg 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1920x1258.jpg 1920w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-641x420.jpg 641w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-741x486.jpg 741w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u201cBuy Term, Invest the Rest\u201d (BTIR)\u7406\u8ca1\u7b56\u7565\uff0c\u65e8\u5728\u900f\u904e\u8cfc\u8cb7\u4f4e\u6210\u672c\u7684\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\uff0c\u4e26\u5c07\u7bc0\u7701\u7684\u8cc7\u91d1\u9032\u884c\u5176\u4ed6\u6295\u8cc7\uff0c\u9054\u5230\u63d0\u5347\u6536\u76ca\u7684\u6548\u679c\u3002\u672c\u6587\u8a73\u7d30\u4ecb\u7d39BTIR\u7b56\u7565\u7684\u597d\u8655\uff0c\u5305\u62ec\u6e1b\u5c11\u4fdd\u8cbb\u958b\u652f\u3001\u63d0\u9ad8\u8cc7\u91d1\u6d41\u52d5\u6027\u53ca\u6295\u8cc7\u900f\u660e\u5ea6\uff0c\u540c\u6642\u63d0\u9192\u6295\u8cc7\u8005\u5728\u61c9\u7528\u6b64\u7b56\u7565\u6642\u9700\u8981\u6ce8\u610f\u7684\u98a8\u96aa\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Buy Term, Invest the Rest(BTIR)\u7b56\u7565\u662f\u4ec0\u9ebc\uff1f<\/strong><\/h1>\n\n\n\n<p>\u7531\u5104\u842c\u5bcc\u8c6a<a href=\"https:\/\/en.wikipedia.org\/wiki\/Arthur_L._Williams_Jr.\">Arthur Williams<\/a>\u5728\u4e03\u5341\u5e74\u4ee3\u6240\u5275\u7684\u7406\u8ca1\u7b56\u7565\u201cBuy Term, Invest the Rest\u201d\uff08BTIR\uff09\u7531\u5169\u90e8\u5206\u7d44\u6210\uff1a\u201cBuy Term\u201d\u6307\u8cfc\u8cb7\u4fdd\u8cbb\u8f03\u4f4e\u7684\u5b9a\u671f\u4eba\u58fd\u96aa\uff08Term Life Insurance\uff09\uff0c\u7136\u5f8c\u5c07\u7bc0\u7701\u7684\u4fdd\u8cbb\u201cInvest the Rest\u201d\uff0c\u900f\u904e\u5132\u84c4\u4fdd\u96aa\u4ee5\u5916\u7684\u6295\u8cc7\uff0c\u4f8b\u5982\u80a1\u7968\u3001\u50b5\u5238\u7b49\uff0c\u5728\u7372\u5f97\u4fdd\u969c\u7684\u540c\u6642\uff0c\u8ffd\u6c42\u66f4\u4f73\u56de\u5831\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>\u63a1\u7528BTIR\u6295\u8cc7\u7b56\u7565\u7684\u597d\u8655<\/strong><\/h1>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1\uff5c\u6e1b\u7701\u958b\u652f \u9577\u7dda\u512a\u52e2<\/strong><\/h2>\n\n\n\n<p>\u5e02\u5834\u4e0a\u7684\u4fdd\u96aa\u7522\u54c1\u53ef\u4ee5\u5206\u70ba\u6709\u5132\u84c4\u6210\u4efd\u7684\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\u548c\u7121\u5132\u84c4\u6210\u4efd\u7684\u5b9a\u671f\u4fdd\u96aa\u5169\u7a2e\u3002\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\u96c6\u4fdd\u969c\u8207\u6295\u8cc7\u65bc\u4e00\u8eab\uff0c\u770b\u4f3c\u7f8e\u597d\uff0c\u4f46\u56e0\u8981\u900f\u904e\u4fdd\u96aa\u516c\u53f8\u6295\u8cc7\uff0c\u53ef\u80fd\u5f92\u6dfb\u6210\u672c\u3002\u5728\u6295\u8cc7\u5e02\u5834\u4e0a\uff0c1%\u7684\u984d\u5916\u6210\u672c\u53ef\u80fd\u5c0d\u6295\u8cc7\u8005\u7684\u9577\u671f\u56de\u5831\u9020\u6210\u5de8\u5927\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u201cBuy Term, Invest the Rest\u201d\u7b56\u7565\u63a8\u85a6\u8cfc\u8cb7\u4e0d\u542b\u5132\u84c4\u6216\u6295\u8cc7\u6210\u5206\u7684\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c6c\u65bc\u55ae\u7d14\u63d0\u4f9b\u4fdd\u969c\u7684\u6d88\u8cbb\u578b\u4fdd\u96aa\uff0c\u8cbb\u7528\u7d50\u69cb\u76f8\u5c0d\u7c21\u55ae\u3002\u6295\u8cc7\u7b56\u7565\u7684\u7b2c\u4e8c\u90e8\u4efd\u201cInvest the Rest\u201c\u5247\u662f\u9078\u64c7\u4f4e\u6536\u8cbb\u7684\u6295\u8cc7\u7522\u54c1\u6216\u670d\u52d9\uff0c\u4ee4\u6295\u4fdd\u4eba\u5728\u76f8\u5b9c\u50f9\u9322\u4e0b\u5f97\u5230\u540c\u7b49\u4fdd\u96aa\u4fdd\u969c\uff0c\u4e26\u722d\u53d6\u6bd4\u5132\u84c4\u4fdd\u96aa\u66f4\u597d\u7684\u56de\u5831\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u5229\u7528\u516c\u958b\u6578\u64da(\u622a\u81f38\u670823\u65e5)\uff0c\u767c\u73fe\u5e02\u9762\u4e0a9\u6b3e\u7d42\u8eab\u4eba\u58fd\u4fdd\u55ae\uff0c\u517630\u5e74\u4fdd\u8b49IRR\u56de\u5831\u5e73\u5747\u70ba-0.77%\uff0c\u800c30\u5e74\u9810\u671fIRR\u56de\u5831\uff08\u5373\u4fdd\u8b49+\u975e\u4fdd\u8b49\uff09\u5e73\u5747\u70ba3.46%\u3002<\/p>\n\n\n\n<p>\u7576\u4e2d\u7d42\u8eab\u4eba\u58fd\u4fdd\u55ae\u6295\u8cc7\u7684\u76f8\u95dc\u8cc7\u7522(underlying assets)\u666e\u904d\u6df7\u5408\u80a1\u7968\u8207\u50b5\u5238\uff0c\u5176\u6bd4\u4f8b\u8996\u4e4e\u500b\u5225\u6295\u8cc7\u7b56\u7565\u6709\u5225\u3002\u4f46\u8aaa\u5230\u5e95\u73fe\u4eca\u6295\u8cc7\u5e02\u5834\u900f\u660e\u5ea6\u5927\u5927\u589e\u52a0\uff0c\u6295\u8cc7\u8005\u53ea\u9700\u5316\u7e41\u70ba\u7c21\uff0c\u9078\u64c7\u8cc7\u7522\u76f8\u95dc\u7684\u71b1\u9580\u6307\u6578\u5747\u80fd\u53d6\u5f97\u4e0d\u4fd7\u7684\u56de\u5831\u3002<\/p>\n\n\n\n<p><strong>\u8f03\u4f4e\u98a8\u96aa\ufe30<\/strong>\u900f\u904e\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\u7372\u5f973.5%\u81f33.8%\u4fdd\u8b49\u56de\u5831\u3002\u540c\u6642\u5e02\u5834\u4ea6\u6709\u6295\u8cc7\u670d\u52d9\uff0c\u52a9\u6295\u8cc7\u8005\u7372\u53d6\u66f4\u9ad8\u7684<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E5%B0%8B%E6%89%BE2024%E5%B9%B48%E6%9C%88%E9%A6%99%E6%B8%AF%E5%8D%81%E5%A4%A7%E6%9C%80%E5%84%AA%E6%83%A0%E5%AE%9A%E6%9C%9F%E5%AD%98%E6%AC%BE%E5%88%A9%E7%8E%87\/\">\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\u670d\u52d9<\/a>\uff0c\u90544.1%\u3002(\u622a\u81f38\u670823\u65e5)<\/p>\n\n\n\n<p><strong>\u4e2d\u7b49\u98a8\u96aa<\/strong>\ufe30\u5206\u6563\u6295\u8cc7\u50b5\u5238\uff0c\u4ee5\u5f6d\u535a\u5168\u7403\u7d9c\u5408\u50b5\u5238\u6307\u6578\u70ba\u4f8b\uff0c30\u5e74\u56de\u5831\u6709\u8fd13.93%\u5e74\u5316\u56de\u5831\u3002<\/p>\n\n\n\n<p><strong>\u76f8\u5c0d\u9ad8\u98a8\u96aa\u9ad8\u56de\u5831\ufe30<\/strong>\u4ee5\u6db5\u84cb23\u500b\u5df2\u958b\u767c\u5e02\u5834\u570b\u5bb6\u3001\u904e\u5343\u9593\u5927\u4e2d\u578b\u80a1\u7684MSCI \u74b0\u7403\u6307\u6578\uff08MSCI World Index\uff09\u70ba\u4f8b\uff0c\u904e\u53bb30\u5e74\u7684\u5e74\u5316\u56de\u5831\u9054\u52307.79%\uff0c\u7f8e\u80a1\u6a19\u666e500\u6307\u6578\u5728\u904e\u53bb30\u5e74\u7684\u5e74\u5316\u56de\u5831\u66f4\u905410.62%\u3002\u3002<a href=\"https:\/\/www.syfe.com\/hk\">Syfe<\/a>\u6295\u8cc7\u670d\u52d9\u540c\u6a23\u70ba\u6295\u8cc7\u8005\u63d0\u4f9b\u4f4e\u6210\u672c\u7684\u6a5f\u69cb\u7d1a\u5225\u6295\u8cc7\u7b56\u7565\uff0c\u7ba1\u7406\u8cbb\u6bcf\u5e74\u4ecb\u65bc0.35%\u81f30.65%\u4e4b\u9593\uff0c\u4e14\u5df2\u5305\u542b\u7d93\u7d00\u4f63\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXfjof8b0oNCc3UpTZfBKI5xwR6NwjcugF9P-BljlHzqRew1GFCO7yhst3tqLhL7A8187mUnPs-x9oNoxmDgYBQLj5Ai8L2_I3OEWuY2v62nL7dM4qDKIVZ-sRWEjbXe74WaALy4v_BiOqcY51tqSwTyo0hj?key=axyfRYmJfGfQbTk-rhixQw\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2\uff5c\u6d41\u52d5\u6027\u9ad8 \u4e0d\u8a2d\u7f70\u6b3e<\/strong><\/h2>\n\n\n\n<p>\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u4fdd\u969c\u6307\u5b9a\u671f\u9650\uff0c\u6295\u4fdd\u4eba\u53ef\u4ee5\u9078\u64c7\u6bcf\u5e74\u3001\u751a\u81f3\u6bcf\u6708\u7e8c\u4fdd\uff0c\u800c\u5176\u4ed6\u5132\u84c4\u578b\u4fdd\u96aa\u7522\u54c1\u901a\u5e38\u9700\u8981\u6295\u4fdd\u4eba\u4f9b\u6b3e\u591a\u5e74\uff0c\u5982\u56e0\u7a81\u767c\u4e8b\u60c5\u800c\u65e9\u671f\u9000\u4fdd\uff0c\u53ef\u80fd\u5c0e\u81f4\u8667\u8755\u672c\u91d1\u3002<\/p>\n\n\n\n<p>\u4f46\u63a1\u7528\u201cBuy Term, Invest the Rest\u201d\u7684\u6295\u8cc7\u8005\u5247\u53ef\u6839\u64da\u81ea\u8eab\u7684\u8ca1\u52d9\u9700\u6c42\u9748\u6d3b\u8abf\u6574\u8cc7\u7522\u914d\u7f6e\uff0c\u7121\u9700\u53d7\u5132\u84c4\u4fdd\u96aa\u9019\u985e\u7522\u54c1\u7684\u8cc7\u91d1\u9396\u5b9a\u9650\u5236\u3002\u8ca1\u52d9\u4e0a\u4e00\u65e6\u6709\u7dca\u6025\u9700\u8981\uff0c\u201cBuy Term, Invest the Rest\u201d\u53ef\u96a8\u6642\u505c\u6b62\u6295\u8cc7\uff0c\u4e26\u900f\u904e\u51fa\u552e\u80a1\u7968\u6216\u57fa\u91d1\u5957\u73fe\u8cc7\u91d1\u61c9\u6025\uff0c\u5f9e\u800c\u4eab\u6709\u66f4\u9ad8\u7684\u8cc7\u91d1\u6d41\u52d5\u6027\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3\uff5c\u81ea\u9078\u6295\u8cc7&nbsp; \u900f\u660e\u5ea6up<\/strong><\/h2>\n\n\n\n<p>\u8a31\u591a\u4fdd\u96aa\u7522\u54c1\u689d\u6b3e\u8271\u6f80\u6df1\u5967\uff0c\u7279\u5225\u662f\u5132\u84c4\u4fdd\u96aa\u7b49\u5206\u7d05\u7522\u54c1\uff0c\u901a\u5e38\u6d89\u53ca\u591a\u7a2e\u8ca8\u5e63\u548c<a href=\"https:\/\/www.ia.org.hk\/tc\/fulfillment_ratio\/index.html\">\u7d05\u5229\u985e\u5225<\/a>\uff0c\u8868\u8ff0\u65b9\u5f0f\u7e41\u7463\uff0c\u4f7f\u4e00\u822c\u5e02\u6c11\u96e3\u4ee5\u7406\u89e3\u5be6\u969b\u6295\u8cc7\u5167\u5bb9\uff0c\u4e5f\u96e3\u4ee5\u638c\u63e1\u5e95\u5c64\u8cc7\u7522\u7684\u904b\u4f5c\uff0c\u4f8b\u5982\u57fa\u91d1\u7684\u5177\u9ad4\u64cd\u4f5c\u53ca\u6301\u5009\u3002<\/p>\n\n\n\n<p>\u9078\u64c7\u201cBuy Term, Invest the Rest\u201d\u7406\u8ca1\u7b56\u7565\uff0c\u5247\u53ef\u6839\u64da\u81ea\u8eab\u60c5\u6cc1\u8207\u504f\u597d\uff0c\u9078\u64c7\u7b26\u5408\u500b\u4eba\u98a8\u683c\u8207\u751f\u6d3b\u65b9\u5f0f\u7684\u6295\u8cc7\u65b9\u5f0f\u3001\u7522\u54c1\u548c\u5e73\u53f0\uff0c\u900f\u660e\u5ea6\u9060\u9060\u512a\u65bc\u4f9d\u8cf4\u4e00\u4efd\u55ae\u8584\u7684\u6708\u7d50\u55ae\u6216\u57fa\u91d1\u5b63\u5831\u4f86\u4e86\u89e3\u6295\u8cc7\u72c0\u6cc1\u3002\u6295\u8cc7\u8005\u9084\u53ef\u6839\u64da\u7d93\u6fdf\u74b0\u5883\u3001<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e4%b8%8d%e5%90%8c%e5%b9%b4%e9%bd%a1%e5%b1%a4%e7%9a%84%e6%8a%95%e8%b3%87%e5%bf%83%e6%b3%95%ef%bc%9a20%e6%ad%b2%e3%80%8130%e6%ad%b2%e3%80%8140%e6%ad%b2%e3%80%8150%e5%a4%9a%e6%ad%b2\/\">\u5e74\u9f61\u53ca\u500b\u4eba\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u9748\u6d3b\u8abf\u6574\u8cc7\u7522\u914d\u7f6e<\/a>\uff0c\u66f4\u9748\u6d3b\u61c9\u5c0d\u5e02\u5834\u8b8a\u5316\u3002<\/p>\n\n\n\n<p><strong>\u63a1\u7528BTIR\u6295\u8cc7\u7b56\u7565\u7684\u6ce8\u610f\u4e8b\u9805<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1\uff5c\u843d\u5be6\u6295\u8cc7 \u95dc\u6ce8\u98a8\u96aa<\/strong><\/h2>\n\n\n\n<p>\u6295\u8cc7\u8005\u5fc5\u9808\u5207\u5be6\u9032\u884c\u8cc7\u7522\u914d\u7f6e\uff0c\u5426\u5247\u6b64\u7b56\u7565\u5c07\u5931\u53bb\u610f\u7fa9\u3002\u6295\u8cc7\u56de\u5831\u5fc5\u7136\u6709\u6ce2\u52d5\uff0c\u4e14\u6f5b\u5728\u56de\u5831\u901a\u5e38\u8207\u98a8\u96aa\u6b63\u5411\u76f8\u95dc\u3002\u5e02\u5834\u666e\u904d\u5c07\u5132\u84c4\u4fdd\u96aa\u8996\u70ba\u76f8\u5c0d\u4f4e\u98a8\u96aa\u7684\u9078\u64c7\uff0c\u800c\u9078\u64c7\u201cBuy Term, Invest the Rest\u201d\u7b56\u7565\u7684\u6295\u8cc7\u8005\uff0c\u82e5\u7136\u5c07\u8f03\u5927\u6bd4\u4f8b\u7684\u8cc7\u7522\u5206\u914d\u5728\u9ad8\u98a8\u96aa\u8cc7\u7522\uff0c\u5247\u9700\u8981\u627f\u53d7\u8f03\u5927\u7684\u5e02\u5834\u98a8\u96aa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2\uff5c\u6295\u8cc7\u7d44\u5408 \u56e0\u4eba\u800c\u7570<\/strong><\/h2>\n\n\n\n<p>\u7406\u8ca1\u7b56\u7565\u96e3\u6709\u653e\u8af8\u56db\u6d77\u7686\u6e96\u7a69\u8cfa\u516c\u5f0f\uff0c\u6295\u8cc7\u8005\u61c9\u6839\u64da\u81ea\u8eab\u60c5\u6cc1\u53ca\u8ca1\u52d9\u76ee\u6a19\uff0c\u6b0a\u8861\u5229\u5f0a\u5f8c\u9078\u64c7\u5408\u9069\u7684\u6295\u8cc7\u65b9\u5f0f\u3002\u6709\u610f\u85c9\u4f4f\u201cBuy Term, Invest the Rest\u201d\u7b56\u7565\u7372\u5f97\u66f4\u4f73\u6295\u8cc7\u56de\u5831\u7684\u6295\u8cc7\u8005\uff0c\u9700\u8981\u9810\u7559\u6642\u9593\u7dca\u8ddf\u5e02\u5834\u8b8a\u5316\u3002<\/p>\n\n\n\n<p><em>\u672c\u6587\u50c5\u4f9b\u53c3\u8003\uff0c\u4e0d\u61c9\u8996\u70ba\u8ca1\u52d9\u5efa\u8b70\u3002\u672c\u6587\u7121\u610f\u63a8\u92b7\u4efb\u4f55\u7279\u5b9a\u6295\u8cc7\uff0c\u4e5f\u7121\u610f\u63d0\u4f9b\u6216\u5efa\u8b70\u8cb7\u8ce3\u4efb\u4f55\u7279\u5b9a\u8b49\u5238\u3002\u6240\u6709\u5f62\u5f0f\u7684\u6295\u8cc7\u90fd\u6709\u98a8\u96aa\uff0c\u5305\u62ec\u640d\u5931\u5168\u90e8\u6295\u8cc7\u91d1\u984d\u7684\u98a8\u96aa\u3002\u904e\u53bb\u7684\u56de\u5831\u4e26\u4e0d\u4fdd\u8b49\u672a\u4f86\u7684\u8868\u73fe\u3002\u6295\u8cc7\u8005\u61c9\u8003\u616e\u81ea\u8eab\u60c5\u6cc1\u3002\u6b64\u8655\u5305\u542b\u7684\u8cc7\u8a0a\u4e26\u4e0d\u69cb\u6210\u5f9e\u4e8b\u4efb\u4f55\u6295\u8cc7\u6d3b\u52d5\u7684\u8981\u7d04\u3001\u4efb\u4f55\u62db\u652c\u3001\u9080\u8acb\u6216\u5efa\u8b70\u3002\u672c\u6587\u7ae0\u5167\u5bb9\u672a\u7d93\u9999\u6e2f\u8b49\u5238\u53ca\u671f\u8ca8\u4e8b\u52d9\u76e3\u5bdf\u59d4\u54e1\u6703\u5be9\u95b1\u3002<br><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7406\u8ca1\u5c08\u5bb6\u559c\u6b61\u63d0\u4f9b\u91d1\u9322\u5efa\u8b70\u3002\u6709\u4e9b\u5efa\u8b70\u503c\u5f97\u4e00\u807d\uff0c\u4f8b\u5982\u4fdd\u7559\u7dca\u6025\u57fa\u91d1\u3001\u81ea\u52d5\u652f\u4ed8\u5e33\u55ae\u4ee5\u53ca\u70ba\u9000\u4f11\u5132\u84c4\u3002\u4f46\u6709\u4e9b\u5efa\u8b70\u5176\u5be6\u5f0a\u5927\u65bc\u5229\u3002<\/p>\n","protected":false},"author":27,"featured_media":5123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[24],"tags":[],"class_list":{"0":"post-5122","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-syfe"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":"","language":"all"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3 | Magazine<\/title>\n<meta name=\"description\" content=\"\u6700\u8fd1\u300c\u7d93\u6fdf\u8870\u9000\u300d\u4e00\u8a5e\u5728\u80a1\u5e02\u65b0\u805e\u4e0a\u7121\u8655\u4e0d\u5728\u3002\u5404\u5927\u982d\u689d\u7686\u8b66\u544a\u7f8e\u570b\u5373\u5c07\u9762\u81e8\u7d93\u6fdf\u8870\u9000\uff0c\u793e\u4ea4\u5a92\u9ad4\u4e0a\u5145\u65a5\u8457\u5e02\u5834\u5d29\u76e4\u7684\u9810\u8a00\uff0c\u4ee4\u4eba\u96e3\u514d\u611f\u5230\u4e0d\u5b89\u3002\u4f46\u7d93\u6fdf\u8870\u9000\u5230\u5e95\u662f\u4ec0\u9ebc\u610f\u601d\uff0c\u6211\u5011\u53c8\u8a72\u5982\u4f55\u6e96\u5099\uff1f\u900f\u904e\u7814\u7a76\u7f8e\u570b\u81ea 1950 \u5e74\u4ee3\u4ee5\u4f86\u7684\u7d93\u6fdf\u8870\u9000\u5f8c\uff0c\u6211\u5011\u5f9e\u4e2d\u4e86\u89e3\u5230\u5982\u4e0b\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3 | Magazine\" \/>\n<meta property=\"og:description\" content=\"\u6700\u8fd1\u300c\u7d93\u6fdf\u8870\u9000\u300d\u4e00\u8a5e\u5728\u80a1\u5e02\u65b0\u805e\u4e0a\u7121\u8655\u4e0d\u5728\u3002\u5404\u5927\u982d\u689d\u7686\u8b66\u544a\u7f8e\u570b\u5373\u5c07\u9762\u81e8\u7d93\u6fdf\u8870\u9000\uff0c\u793e\u4ea4\u5a92\u9ad4\u4e0a\u5145\u65a5\u8457\u5e02\u5834\u5d29\u76e4\u7684\u9810\u8a00\uff0c\u4ee4\u4eba\u96e3\u514d\u611f\u5230\u4e0d\u5b89\u3002\u4f46\u7d93\u6fdf\u8870\u9000\u5230\u5e95\u662f\u4ec0\u9ebc\u610f\u601d\uff0c\u6211\u5011\u53c8\u8a72\u5982\u4f55\u6e96\u5099\uff1f\u900f\u904e\u7814\u7a76\u7f8e\u570b\u81ea 1950 \u5e74\u4ee3\u4ee5\u4f86\u7684\u7d93\u6fdf\u8870\u9000\u5f8c\uff0c\u6211\u5011\u5f9e\u4e2d\u4e86\u89e3\u5230\u5982\u4e0b\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/\" \/>\n<meta property=\"og:site_name\" content=\"Magazine\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/SyfeHongKong\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-18T07:29:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-18T07:29:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1678\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Syfe Hong Kong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Syfe Hong Kong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 \u5206\u9418\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/\"},\"author\":{\"name\":\"Syfe Hong Kong\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/person\/55fc487727b9fc7ac816eeab1de21a51\"},\"headline\":\"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3\",\"datePublished\":\"2024-09-18T07:29:30+00:00\",\"dateModified\":\"2024-09-18T07:29:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/\"},\"wordCount\":81,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg\",\"articleSection\":[\"Syfe \u5e6b\u7dca\u4f60\"],\"inLanguage\":\"zh-TW\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/\",\"url\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/\",\"name\":\"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3 | Magazine\",\"isPartOf\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg\",\"datePublished\":\"2024-09-18T07:29:30+00:00\",\"dateModified\":\"2024-09-18T07:29:34+00:00\",\"description\":\"\u6700\u8fd1\u300c\u7d93\u6fdf\u8870\u9000\u300d\u4e00\u8a5e\u5728\u80a1\u5e02\u65b0\u805e\u4e0a\u7121\u8655\u4e0d\u5728\u3002\u5404\u5927\u982d\u689d\u7686\u8b66\u544a\u7f8e\u570b\u5373\u5c07\u9762\u81e8\u7d93\u6fdf\u8870\u9000\uff0c\u793e\u4ea4\u5a92\u9ad4\u4e0a\u5145\u65a5\u8457\u5e02\u5834\u5d29\u76e4\u7684\u9810\u8a00\uff0c\u4ee4\u4eba\u96e3\u514d\u611f\u5230\u4e0d\u5b89\u3002\u4f46\u7d93\u6fdf\u8870\u9000\u5230\u5e95\u662f\u4ec0\u9ebc\u610f\u601d\uff0c\u6211\u5011\u53c8\u8a72\u5982\u4f55\u6e96\u5099\uff1f\u900f\u904e\u7814\u7a76\u7f8e\u570b\u81ea 1950 \u5e74\u4ee3\u4ee5\u4f86\u7684\u7d93\u6fdf\u8870\u9000\u5f8c\uff0c\u6211\u5011\u5f9e\u4e2d\u4e86\u89e3\u5230\u5982\u4e0b\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#breadcrumb\"},\"inLanguage\":\"zh-TW\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-TW\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage\",\"url\":\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg\",\"contentUrl\":\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg\",\"width\":2560,\"height\":1678},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#website\",\"url\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/\",\"name\":\"Magazine\",\"description\":\"Just another WordPress site\",\"publisher\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-TW\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#organization\",\"name\":\"Syfe Hong Kong\",\"url\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-TW\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2022\/06\/Syfe-Logo.png\",\"contentUrl\":\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2022\/06\/Syfe-Logo.png\",\"width\":1080,\"height\":1080,\"caption\":\"Syfe Hong Kong\"},\"image\":{\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/SyfeHongKong\",\"https:\/\/www.instagram.com\/syfehk\/\",\"https:\/\/www.linkedin.com\/company\/syfe\/\",\"https:\/\/www.youtube.com\/channel\/UCmggQNC9xRW1JQ3UtvbRR6Q\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/person\/55fc487727b9fc7ac816eeab1de21a51\",\"name\":\"Syfe Hong Kong\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-TW\",\"@id\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/02012df03784a5c2399da945359b1fb6945e35801faec56b70fc7c8b96649c0e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/02012df03784a5c2399da945359b1fb6945e35801faec56b70fc7c8b96649c0e?s=96&d=mm&r=g\",\"caption\":\"Syfe Hong Kong\"},\"url\":\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/author\/terence-chu\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3 | Magazine","description":"\u6700\u8fd1\u300c\u7d93\u6fdf\u8870\u9000\u300d\u4e00\u8a5e\u5728\u80a1\u5e02\u65b0\u805e\u4e0a\u7121\u8655\u4e0d\u5728\u3002\u5404\u5927\u982d\u689d\u7686\u8b66\u544a\u7f8e\u570b\u5373\u5c07\u9762\u81e8\u7d93\u6fdf\u8870\u9000\uff0c\u793e\u4ea4\u5a92\u9ad4\u4e0a\u5145\u65a5\u8457\u5e02\u5834\u5d29\u76e4\u7684\u9810\u8a00\uff0c\u4ee4\u4eba\u96e3\u514d\u611f\u5230\u4e0d\u5b89\u3002\u4f46\u7d93\u6fdf\u8870\u9000\u5230\u5e95\u662f\u4ec0\u9ebc\u610f\u601d\uff0c\u6211\u5011\u53c8\u8a72\u5982\u4f55\u6e96\u5099\uff1f\u900f\u904e\u7814\u7a76\u7f8e\u570b\u81ea 1950 \u5e74\u4ee3\u4ee5\u4f86\u7684\u7d93\u6fdf\u8870\u9000\u5f8c\uff0c\u6211\u5011\u5f9e\u4e2d\u4e86\u89e3\u5230\u5982\u4e0b\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/","og_locale":"zh_TW","og_type":"article","og_title":"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3 | Magazine","og_description":"\u6700\u8fd1\u300c\u7d93\u6fdf\u8870\u9000\u300d\u4e00\u8a5e\u5728\u80a1\u5e02\u65b0\u805e\u4e0a\u7121\u8655\u4e0d\u5728\u3002\u5404\u5927\u982d\u689d\u7686\u8b66\u544a\u7f8e\u570b\u5373\u5c07\u9762\u81e8\u7d93\u6fdf\u8870\u9000\uff0c\u793e\u4ea4\u5a92\u9ad4\u4e0a\u5145\u65a5\u8457\u5e02\u5834\u5d29\u76e4\u7684\u9810\u8a00\uff0c\u4ee4\u4eba\u96e3\u514d\u611f\u5230\u4e0d\u5b89\u3002\u4f46\u7d93\u6fdf\u8870\u9000\u5230\u5e95\u662f\u4ec0\u9ebc\u610f\u601d\uff0c\u6211\u5011\u53c8\u8a72\u5982\u4f55\u6e96\u5099\uff1f\u900f\u904e\u7814\u7a76\u7f8e\u570b\u81ea 1950 \u5e74\u4ee3\u4ee5\u4f86\u7684\u7d93\u6fdf\u8870\u9000\u5f8c\uff0c\u6211\u5011\u5f9e\u4e2d\u4e86\u89e3\u5230\u5982\u4e0b\u3002","og_url":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/","og_site_name":"Magazine","article_publisher":"https:\/\/www.facebook.com\/SyfeHongKong","article_published_time":"2024-09-18T07:29:30+00:00","article_modified_time":"2024-09-18T07:29:34+00:00","og_image":[{"width":2560,"height":1678,"url":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg","type":"image\/jpeg"}],"author":"Syfe Hong Kong","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Syfe Hong Kong","Est. reading time":"1 \u5206\u9418"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#article","isPartOf":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/"},"author":{"name":"Syfe Hong Kong","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/person\/55fc487727b9fc7ac816eeab1de21a51"},"headline":"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3","datePublished":"2024-09-18T07:29:30+00:00","dateModified":"2024-09-18T07:29:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/"},"wordCount":81,"commentCount":0,"publisher":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#organization"},"image":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage"},"thumbnailUrl":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg","articleSection":["Syfe \u5e6b\u7dca\u4f60"],"inLanguage":"zh-TW","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/","url":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/","name":"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3 | Magazine","isPartOf":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage"},"image":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage"},"thumbnailUrl":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg","datePublished":"2024-09-18T07:29:30+00:00","dateModified":"2024-09-18T07:29:34+00:00","description":"\u6700\u8fd1\u300c\u7d93\u6fdf\u8870\u9000\u300d\u4e00\u8a5e\u5728\u80a1\u5e02\u65b0\u805e\u4e0a\u7121\u8655\u4e0d\u5728\u3002\u5404\u5927\u982d\u689d\u7686\u8b66\u544a\u7f8e\u570b\u5373\u5c07\u9762\u81e8\u7d93\u6fdf\u8870\u9000\uff0c\u793e\u4ea4\u5a92\u9ad4\u4e0a\u5145\u65a5\u8457\u5e02\u5834\u5d29\u76e4\u7684\u9810\u8a00\uff0c\u4ee4\u4eba\u96e3\u514d\u611f\u5230\u4e0d\u5b89\u3002\u4f46\u7d93\u6fdf\u8870\u9000\u5230\u5e95\u662f\u4ec0\u9ebc\u610f\u601d\uff0c\u6211\u5011\u53c8\u8a72\u5982\u4f55\u6e96\u5099\uff1f\u900f\u904e\u7814\u7a76\u7f8e\u570b\u81ea 1950 \u5e74\u4ee3\u4ee5\u4f86\u7684\u7d93\u6fdf\u8870\u9000\u5f8c\uff0c\u6211\u5011\u5f9e\u4e2d\u4e86\u89e3\u5230\u5982\u4e0b\u3002","breadcrumb":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#breadcrumb"},"inLanguage":"zh-TW","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/"]}]},{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#primaryimage","url":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg","contentUrl":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg","width":2560,"height":1678},{"@type":"BreadcrumbList","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%8c%e7%ad%89%e4%bf%9d%e9%9a%9c%e4%b8%8b%e6%8f%90%e5%8d%87%e6%8a%95%e8%b3%87%e5%9b%9e%e5%a0%b1%ef%bc%9abuy-term-invest-the-rest%e7%ad%96%e7%95%a5%e8%a9%b3%e8%a7%a3\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/"},{"@type":"ListItem","position":2,"name":"\u540c\u7b49\u4fdd\u969c\u4e0b\u63d0\u5347\u6295\u8cc7\u56de\u5831\uff1aBuy Term, Invest the Rest\u7b56\u7565\u8a73\u89e3"}]},{"@type":"WebSite","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#website","url":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/","name":"Magazine","description":"Just another WordPress site","publisher":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-TW"},{"@type":"Organization","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#organization","name":"Syfe Hong Kong","url":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/","logo":{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/logo\/image\/","url":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2022\/06\/Syfe-Logo.png","contentUrl":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2022\/06\/Syfe-Logo.png","width":1080,"height":1080,"caption":"Syfe Hong Kong"},"image":{"@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/SyfeHongKong","https:\/\/www.instagram.com\/syfehk\/","https:\/\/www.linkedin.com\/company\/syfe\/","https:\/\/www.youtube.com\/channel\/UCmggQNC9xRW1JQ3UtvbRR6Q"]},{"@type":"Person","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/person\/55fc487727b9fc7ac816eeab1de21a51","name":"Syfe Hong Kong","image":{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/02012df03784a5c2399da945359b1fb6945e35801faec56b70fc7c8b96649c0e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/02012df03784a5c2399da945359b1fb6945e35801faec56b70fc7c8b96649c0e?s=96&d=mm&r=g","caption":"Syfe Hong Kong"},"url":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/author\/terence-chu\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg",2560,1678,false],"thumbnail":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-150x150.jpg",150,150,true],"medium":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-300x197.jpg",300,197,true],"medium_large":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-768x503.jpg",696,456,true],"large":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1024x671.jpg",696,456,true],"1536x1536":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1536x1007.jpg",1536,1007,true],"2048x2048":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-2048x1342.jpg",2048,1342,true],"td_0x420":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-641x420.jpg",641,420,true],"td_218x150":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-218x150.jpg",218,150,true],"td_324x400":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-324x400.jpg",324,400,true],"td_485x360":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-485x360.jpg",485,360,true],"td_696x0":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-696x456.jpg",696,456,true],"td_1068x0":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1068x700.jpg",1068,700,true],"td_1920x0":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1920x1258.jpg",1920,1258,true],"td_100x70":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-100x70.jpg",100,70,true],"td_265x198":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-265x198.jpg",265,198,true],"td_324x160":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-324x160.jpg",324,160,true],"td_324x235":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-324x235.jpg",324,235,true],"td_356x220":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-356x220.jpg",356,220,true],"td_356x364":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-356x364.jpg",356,364,true],"td_533x261":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-533x261.jpg",533,261,true],"td_534x462":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-534x462.jpg",534,462,true],"td_696x385":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-696x385.jpg",696,385,true],"td_741x486":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-741x486.jpg",741,486,true],"td_1068x580":["https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-1068x580.jpg",1068,580,true]},"uagb_author_info":{"display_name":"Syfe Hong Kong","author_link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/author\/terence-chu\/"},"uagb_comment_info":0,"uagb_excerpt":"\u7406\u8ca1\u5c08\u5bb6\u559c\u6b61\u63d0\u4f9b\u91d1\u9322\u5efa\u8b70\u3002\u6709\u4e9b\u5efa\u8b70\u503c\u5f97\u4e00\u807d\uff0c\u4f8b\u5982\u4fdd\u7559\u7dca\u6025\u57fa\u91d1\u3001\u81ea\u52d5\u652f\u4ed8\u5e33\u55ae\u4ee5\u53ca\u70ba\u9000\u4f11\u5132\u84c4\u3002\u4f46\u6709\u4e9b\u5efa\u8b70\u5176\u5be6\u5f0a\u5927\u65bc...","category":"Syfe \u5e6b\u7dca\u4f60","authorName":"Syfe Hong Kong","thumbnail":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-150x150.jpg","featuredImage":"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2024\/09\/shutterstock_319252073-scaled.jpg","_links":{"self":[{"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/posts\/5122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/comments?post=5122"}],"version-history":[{"count":1,"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/posts\/5122\/revisions"}],"predecessor-version":[{"id":5125,"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/posts\/5122\/revisions\/5125"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/media\/5123"}],"wp:attachment":[{"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/media?parent=5122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/categories?post=5122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/wp-json\/wp\/v2\/tags?post=5122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}