{"id":6386,"date":"2025-06-26T09:20:00","date_gmt":"2025-06-26T01:20:00","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=6386"},"modified":"2025-06-23T15:08:00","modified_gmt":"2025-06-23T07:08:00","slug":"%e9%a6%99%e6%b8%af-%e5%b9%b4%e9%87%91-%e8%a8%88%e5%8a%83-%e6%af%94%e8%bc%83-%e6%94%bf%e5%ba%9c-%e6%89%a3%e7%a8%85","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e5%b9%b4%e9%87%91-%e8%a8%88%e5%8a%83-%e6%af%94%e8%bc%83-%e6%94%bf%e5%ba%9c-%e6%89%a3%e7%a8%85\/","title":{"rendered":"\u88ab\u52d5\u6536\u5165\u6307\u5357\uff5c\u9999\u6e2f\u5e74\u91d1\u8a08\u5283\u5927\u6bd4\u62fc\uff01\u653f\u5e9c\u5e74\u91d1vs\u6263\u7a05\u5e74\u91d1\u00a0"},"content":{"rendered":"\n<p>\u9999\u6e2f\u7684\u5e74\u91d1\u7522\u54c1\u8fd1\u5e74\u4f86\u65e5\u76ca\u53d7\u5230\u95dc\u6ce8\uff0c\u5c24\u5176\u662f\u5728\u4eba\u53e3\u9ad8\u9f61\u5316\u8da8\u52e2\u4e0b\uff0c\u5e74\u91d1\u4f5c\u70ba\u4e00\u7a2e\u61c9\u5c0d<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E9%A6%99%E6%B8%AF-%E9%80%80%E4%BC%91-%E9%95%B7%E5%A3%BD-%E9%A2%A8%E9%9A%AA-%E9%A6%99%E6%B8%AF-%E8%8B%B1%E6%96%87-longevity-risk\/\">\u9577\u58fd\u98a8\u96aa<\/a>\u7684<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/hong-kong-passive-income-strategies-2025\/\">\u88ab\u52d5\u6536\u5165<\/a>\u4f86\u6e90\u5c0d\u9000\u4f11\u751f\u6d3b\u63d0\u4f9b\u4fdd\u969c\u3002\u6295\u4fdd\u4eba\u652f\u4ed8\u5e74\u91d1\u4fdd\u8cbb\u5f8c\uff0c\u53ef\u5728\u7d42\u8eab\u6216\u6307\u5b9a\u671f\u9593\u5167\u6bcf\u6708\u7372\u6d3e\u7a69\u5b9a\u73fe\u91d1\u6536\u5165\u3002\u672c\u6587\u5c07\u6df1\u5165\u63a2\u8a0e\u9999\u6e2f\u5e74\u91d1\u8a08\u5283\u7684\u5404\u500b\u65b9\u9762\uff0c\u5305\u62ec\u5b9a\u7fa9\u3001\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u8207\u4e0d\u540c\u7684\u6263\u7a05\u5e74\u91d1\u7522\u54c1\u6bd4\u8f03\u3001\u6263\u7a05\u7533\u5831\u65b9\u6cd5\u7b49\u3002<\/p>\n\n\n\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-aae788e1      \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tTable Of Contents\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u5e74\u91d1\u662f\u4ec0\u9ebc\" class=\"uagb-toc-link__trigger\">\u5e74\u91d1\u662f\u4ec0\u9ebc\uff1f<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f\u5e74\u91d1\u5e02\u5834\u7684\u7522\u54c1\u985e\u5225\u5373\u671f\u5e74\u91d1vs\u5ef6\u671f\u5e74\u91d1\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f\u5e74\u91d1\u5e02\u5834\u7684\u7522\u54c1\u985e\u5225\uff1a\u5373\u671f\u5e74\u91d1vs\u5ef6\u671f\u5e74\u91d1<\/a><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u6295\u4fdd\u8cc7\u683c\u8207\u7279\u9ede\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u6295\u4fdd\u8cc7\u683c\u8207\u7279\u9ede<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u6bcf\u6708\u5e74\u91d1\u6d3e\u767c\u91d1\u984d\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u6bcf\u6708\u5e74\u91d1\u6d3e\u767c\u91d1\u984d<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u512a\u9ede\u7f3a\u9ede\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u512a\u9ede\u3001\u7f3a\u9ede<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u6263\u7a05\u5e74\u91d1\" class=\"uagb-toc-link__trigger\">\u6263\u7a05\u5e74\u91d1<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6263\u7a05\u4e0a\u9650\u548c\u8a08\u7b97\u65b9\u6cd5\" class=\"uagb-toc-link__trigger\">\u6263\u7a05\u4e0a\u9650\u548c\u8a08\u7b97\u65b9\u6cd5<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9999\u6e2f\u6263\u7a05\u5e74\u91d1\u6bd4\u8f03\" class=\"uagb-toc-link__trigger\">\u9999\u6e2f\u6263\u7a05\u5e74\u91d1\u6bd4\u8f03<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u8cfc\u8cb7\u5e74\u91d1\u524d\u9700\u8003\u616e\u7684\u56e0\u7d20\" class=\"uagb-toc-link__trigger\">\u8cfc\u8cb7\u5e74\u91d1\u524d\u9700\u8003\u616e\u7684\u56e0\u7d20<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u88ab\u52d5\u6536\u5165\u6709\u54ea\u4e9b\u6df1\u5165\u62c6\u89e3-syfe\u9748\u6d3b\u5bf6\" class=\"uagb-toc-link__trigger\">\u88ab\u52d5\u6536\u5165\u6709\u54ea\u4e9b\uff1f\u6df1\u5165\u62c6\u89e3 Syfe\u9748\u6d3b\u5bf6<\/a><\/ul><\/ul><\/ul><\/ul><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">\u5e74\u91d1\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-1024x576.png\" alt=\"\u8fd1\u5e74\u4f86,\u96a8\u8457\u9999\u6e2f\u4eba\u53e3\u8001\u9f61\u5316\u8da8\u52e2\u52a0\u5287,\u5e74\u91d1\u7522\u54c1\u4f5c\u70ba\u61c9\u5c0d\u9577\u58fd\u98a8\u96aa\u7684\u9000\u4f11\u4fdd\u969c\u65b9\u6848\u65e5\u76ca\u53d7\u5230\u95dc\u6ce8\u3002\u672c\u5831\u7d9c\u5408\u5206\u6790\u9999\u6e2f\u73fe\u6709\u7684\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u53ca\u79c1\u71df\u6a5f\u69cb\u63d0\u4f9b\u7684\u6263\u7a05\u5e74\u91d1\u7522\u54c1,\u4ee5\u4f9b\u8b80\u8005\u53c3\u8003\u3002\" class=\"wp-image-6390\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f-\u5e74\u91d1-\u8a08\u5283-\u6bd4\u8f03-\u653f\u5e9c-\u6263\u7a05.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u5e74\u91d1\uff08\u82f1\u6587\uff1aAnnuity\uff09\u662f\u4e00\u7a2e\u91d1\u878d\u7522\u54c1\uff0c\u5c07\u6295\u4fdd\u4eba\u7684\u8cc7\u91d1\uff0c\u901a\u5e38\u662f\u5132\u84c4\u6216\u9000\u4f11\u91d1\u8f49\u5316\u70ba\u5b9a\u671f\u3001\u7a69\u5b9a\u8cc7\u91d1\u6d41\u3002\u7531\u65bc\u6295\u4fdd\u4eba\u53ef\u5728\u7d42\u8eab\u6216\u6307\u5b9a\u671f\u9593\u5167\u6bcf\u6708\u7372\u6d3e\u7a69\u5b9a\u73fe\u91d1\u6536\u5165\uff0c\u76f4\u5230\u6295\u4fdd\u4eba\u96e2\u4e16\u6216\u5408\u7d04\u8a02\u660e\u7684\u9650\u671f\u70ba\u6b62\uff0c\u5e74\u91d1\u8a08\u5283\u5728\u9999\u6e2f\u4ea6\u88ab\u7a31\u70ba\u300c\u81ea\u88fd\u9577\u7ce7\u300d\uff0c\u78ba\u4fdd\u53d7\u4fdd\u4eba\u65bc\u9000\u4f11\u671f\u9593\u80fd\u7372\u5f97\u7a69\u5b9a\u6536\u5165\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9999\u6e2f\u5e74\u91d1\u5e02\u5834\u7684\u7522\u54c1\u985e\u5225\uff1a\u5373\u671f\u5e74\u91d1vs\u5ef6\u671f\u5e74\u91d1<\/strong><\/h3>\n\n\n\n<p>\u6309\u7522\u54c1\u8a2d\u8a08\u5206\u985e\uff0c\u9999\u6e2f\u5e02\u5834\u7684\u5e74\u91d1\u7522\u54c1\u53ef\u4ee5\u5206\u70ba\u5373\u671f\u5e74\u91d1\uff08\u82f1\u6587\uff1aImmediate Annuity\uff09\u8207\u5ef6\u671f\u5e74\u91d1\uff08\u82f1\u6587\uff1aeferred Annuity\uff09\u3002\u5373\u671f\u5e74\u91d1\u6295\u4fdd\u4eba\u4e00\u6b21\u904e\u7e73\u4ed8\u4fdd\u8cbb\u5f8c\uff0c\u96a8\u5373\u6bcf\u6708\u9818\u53d6\u5e74\u91d1\u6536\u5165\uff0c\u6240\u4ee5\u8f03\u9069\u5408\u9000\u4f11\u4eba\u58eb\uff0c\u56e0\u70ba\u4ed6\u5011\u4e00\u822c\u64c1\u6709\u8cc7\u91d1\uff0c\u4f46\u537b\u5df2\u7d93\u6c92\u6709\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u81f3\u65bc\u5ef6\u671f\u5e74\u91d1\u7684\u6295\u4fdd\u4eba\u53ef\u4e00\u7b46\u904e\u6216\u5206\u671f\u7e73\u4ed8\u4fdd\u8cbb\uff0c\u8b93\u8cc7\u91d1\u5728\u7d2f\u7a4d\u671f\u5167\u7a4d\u5b58\u751f\u606f\u53ca\u7e7c\u7e8c\u6295\u8cc7\uff0c\u800c\u5e74\u91d1\u652f\u4ed8\u671f\u6703\u5ef6\u9072\u5230\u672a\u4f86\u67d0\u500b\u6307\u5b9a\u65e5\u671f\uff08\u4f8b\u5982\u9000\u4f11\u5e74\u9f61\uff09\u624d\u958b\u59cb\u3002\u5728\u9818\u53d6\u5e74\u91d1\u6536\u5165\u4e4b\u524d\u7684\u6642\u9593\u7a31\u70ba\u300c\u7d2f\u7a4d\u671f\u300d\uff0c\u6295\u4fdd\u4eba\u901a\u5e38\u6703\u5728\u6b64\u671f\u9593\u7e73\u4ed8\u4fdd\u8cbb\uff0c\u4fdd\u55ae\u50f9\u503c\u6703\u6301\u7e8c\u589e\u9577\uff1b\u7576\u7d2f\u7a4d\u671f\u7d50\u675f\uff0c\u5373\u9032\u5165\u652f\u4ed8\u671f\uff0c\u5e74\u91d1\u53d7\u4fdd\u4eba\u4fbf\u6703\u958b\u59cb\u9818\u53d6\u5b9a\u671f\u6536\u5165\uff0c\u6240\u4ee5\u5ef6\u671f\u5e74\u91d1\u8f03\u9069\u5408\u5728\u8077\u4eba\u58eb\uff0c\u8b93\u6295\u4fdd\u4eba\u5728\u5e74\u8f15\u6642\u4ee5\u5206\u671f\u5132\u84c4\u65b9\u5f0f\u7d2f\u7a4d\u8cc7\u91d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.hkmc.com.hk\/chi\/\">\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8<\/a>\uff08HKMC\uff0c\u7c21\u7a31\u6309\u8b49\u516c\u53f8\uff09\u65bc2018\u5e747\u6708\u63a8\u51fa\u300c<a href=\"https:\/\/www.hkmca.hk\/chi\/our_business\/hkmc_annuity_plan.html\">\u9999\u6e2f\u5e74\u91d1\u8a08\u5283<\/a>\u300d\uff0c\u662f\u9999\u6e2f\u9996\u96bb\u516c\u71df\u5e74\u91d1\uff0c\u65e8\u5728\u70ba60\u6b72\u6216\u4ee5\u4e0a\u7684\u9577\u8005\u63d0\u4f9b\u7d42\u8eab\u7a69\u5b9a\u6536\u5165\uff0c\u53c3\u52a0\u8a08\u5283\u7684\u6295\u4fdd\u4eba\u53ef\u4ee5\u4e00\u8def\u9818\u53d6\u6bcf\u6708\u5e74\u91d1\u6536\u5165\uff0c\u76f4\u5230\u767e\u5e74\u6b78\u8001\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-1024x576.png\" alt=\"\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u7531\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8\u63a8\u51fa,\u91dd\u5c0d60\u6b72\u6216\u4ee5\u4e0a\u9999\u6e2f\u6c38\u4e45\u6027\u5c45\u6c11,\u4e00\u6b21\u6027\u7e73\u4ed8\u4fdd\u8cbb\u5f8c\u5373\u53ef\u7372\u5f97\u7d42\u8eab\u6bcf\u6708\u6d3e\u767c\u7684\u7a69\u5b9a\u6536\u5165\u3002\u8a72\u8a08\u5283\u7684\u512a\u52e2\u5728\u65bc\u7531\u653f\u5e9c\u80cc\u66f8,\u4fe1\u8cb8\u98a8\u96aa\u8f03\u4f4e;\u540c\u6642\u5c6c\u7d42\u8eab\u6d3e\u767c,\u6295\u4fdd\u4eba\u58fd\u547d\u6108\u9577,\u6240\u7372\u6536\u76ca\u6108\u591a\u3002\u7136\u800c,\u5176\u4e0d\u80fd\u7528\u4f5c\u6263\u7a05,\u4e14\u6bcf\u6708\u4fdd\u8b49\u5e74\u91d1\u6536\u5165\u70ba\u56fa\u5b9a\u91d1\u984d,\u6613\u53d7\u901a\u8139\u5f71\u97ff\u3002\n\" class=\"wp-image-6392\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u6295\u4fdd\u8cc7\u683c\u8207\u7279\u9ede<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5e74\u9f61\u8981\u6c42<\/strong>\uff1a60\u6b72\u6216\u4ee5\u4e0a\u9999\u6e2f\u6c38\u4e45\u6027\u5c45\u6c11<\/li>\n\n\n\n<li><strong>\u4fdd\u8cbb\u9650\u984d<\/strong>\uff1a\u6700\u4f4e\u4fdd\u8cbb\u70ba\u6e2f\u5e635\u842c\u5143\uff0c\u6700\u9ad8\u4fdd\u8cbb\u70ba\u6e2f\u5e63500\u842c\u5143<\/li>\n\n\n\n<li><strong>\u4fdd\u8cbb\u7e73\u4ed8<\/strong>\uff1a\u6574\u4ed8\u4fdd\u8cbb\uff08\u4e00\u6b21\u6027\u7e73\u4ed8\uff09<\/li>\n\n\n\n<li><strong>\u6b7b\u4ea1\u4fdd\u969c<\/strong>\uff1a\u63d0\u4f9b\u4fdd\u8cbb105%\u7684\u4fdd\u8b49\u8eab\u6545\u8ce0\u511f\uff0f\u6216\u4fdd\u55ae\u50f9\u503c\u9918\u984d\uff0c\u4ee5\u8f03\u9ad8\u8005\u70ba\u6e96<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u6bcf\u6708\u5e74\u91d1\u6d3e\u767c\u91d1\u984d<\/strong><\/h3>\n\n\n\n<p>\u5e74\u91d1\u6d3e\u767c\u91d1\u984d\u6703\u6839\u64da\u6295\u4fdd\u4eba\u7684\u5e74\u9f61\u548c\u6027\u5225\u6709\u6240\u4e0d\u540c\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5e74\u9f61\u8d8a\u5927\uff0c\u6d3e\u767c\u7387\u8d8a\u9ad8\uff1b\u7537\u6027\u7684\u6d3e\u767c\u7387\u901a\u5e38\u6bd4\u5973\u6027\u9ad8\uff0c\u56e0\u70ba\u9810\u671f\u58fd\u547d\u8f03\u77ed\u3002\u4f8b\u598265\u6b72\u7537\u6027\u6295\u4fdd100\u842c\u5143\uff0c\u6bcf\u6708\u53ef\u5f975,800\u6e2f\u5143\uff0c\u6d3e\u767c\u73876.9%\uff1b\u5973\u6027\u70ba5,300\u6e2f\u5143\uff0c\u6d3e\u767c\u73876.3%\u3002<\/p>\n\n\n\n<p>\u300c\u6d3e\u767c\u7387\u300d\u662f\u6700\u76f4\u89c0\u7684\u73fe\u91d1\u6d41\u8a08\u7b97\uff0c\u53cd\u6620\u6bcf\u5e74\u53ef\u9818\u53d6\u7684\u5e74\u91d1\u4f54\u6295\u4fdd\u91d1\u984d\u7684\u767e\u5206\u6bd4\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\u4e00\u4f4d60\u6b72\u5973\u58eb\u6295\u4fdd100\u842c\u6e2f\u5143\uff0c\u82e5\u6bcf\u6708\u53ef\u98184,700\u6e2f\u5143\uff0c\u5e74\u91d1\u6d3e\u767c\u7387\u5373\u70ba5.6%\uff08$4,700\u00d712\u00f71,000,000\u00d7100%\uff09\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u8a08\u5283\u512a\u9ede\u3001\u7f3a\u9ede<\/strong><\/h3>\n\n\n\n<p>\u9999\u6e2f\u5e74\u91d1\u8a08\u5283\u7531\u9999\u6e2f\u653f\u5e9c\u900f\u904e\u5916\u532f\u57fa\u91d1\u5168\u8cc7\u64c1\u6709\u7684\u9999\u6e2f\u5e74\u91d1\u516c\u53f8\u627f\u4fdd\uff0c\u4fe1\u8cb8\u98a8\u96aa\u8f03\u4f4e\uff0c\u540c\u6642\u5c6c\u7d42\u8eab\u6d3e\u767c\uff0c\u6240\u4ee5\u6295\u4fdd\u4eba\u58fd\u547d\u6108\u9577\uff0c\u4fbf\u80fd\u5f97\u5230\u66f4\u591a\u5e74\u91d1\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\u81ea2024\u5e744\u670829\u65e5\u8d77\uff0c\u9999\u6e2f\u5e74\u91d1\u8a08\u5283\u63a8\u51fa\u591a\u9805\u512a\u5316\u63aa\u65bd\uff0c\u5305\u62ec\u5ba2\u6236\u5982\u9700\u61c9\u4ed8\u91ab\u7642\u76f8\u95dc\u958b\u652f\uff0c\u53ef\u63d0\u53d6\u5df2\u7e73\u4fdd\u8cbb\u7684100%\u9918\u984d\uff08\u5373\u6263\u9664\u5df2\u6536\u53d6\u7684\u5e74\u91d1\u91d1\u984d\u5f8c\u4e4b\u5269\u9918\u4fdd\u8cbb\uff09\uff0c\u800c\u4e0d\u9700\u7e73\u4ed8\u4efb\u4f55\u63d0\u53d6\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\u9999\u6e2f\u653f\u5e9c\u5e74\u91d1\u6bcf\u6708\u4fdd\u8b49\u5e74\u91d1\u6536\u5165\u70ba\u56fa\u5b9a\u7684\u91d1\u984d\uff0c\u8cfc\u8cb7\u529b\u6703\u53d7\u5230\u901a\u8139\u4fb5\u8755\uff0c\u66f4\u91cd\u8981\u7684\u662f\u4e0d\u80fd\u7528\u4f5c\u6263\u7a05\uff0c\u4ee5\u53ca\u53ea\u965060\u6b72\u6216\u4ee5\u4e0a\u4eba\u58eb\u8cfc\u8cb7\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6263\u7a05\u5e74\u91d1<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-1024x576.png\" alt=\"\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\u300d(QDAP)\u81ea2019\u5e744\u6708\u8d77\u53ef\u4eab\u7a05\u52d9\u512a\u60e0\u3002\u6bcf\u540d\u7d0d\u7a05\u4eba\u6bcf\u5e74\u6700\u9ad8\u53ef\u6263\u7a0560,000\u6e2f\u5143,\u6700\u591a\u53ef\u7bc0\u770110,200\u6e2f\u5143\u7a05\u6b3e\u3002\u9019\u985e\u7522\u54c1\u6295\u4fdd\u5e74\u9f61\u53ef\u4f4e\u81f318\u6b72,\u8b93\u6295\u4fdd\u4eba\u66f4\u65e9\u898f\u5283\u9000\u4f11\u751f\u6d3b\u3002\u76ee\u524d\u9999\u6e2f\u670926\u9593\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9bQDAP\u7522\u54c1,\u8986\u84cb\u6e2f\u5e63\u3001\u7f8e\u5143\u53ca\u4eba\u6c11\u5e63\u7b49\u591a\u7a2e\u8ca8\u5e63\u3002\" class=\"wp-image-6394\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u9000\u7a05\u5e74\u91d1.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u574a\u9593\u6240\u6307\u7684\u6263\u7a05\u5e74\u91d1\u6b63\u5f0f\u540d\u7a31\u70ba\u300c<a href=\"https:\/\/www.ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/index.html\">\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae<\/a>\u300d\uff08\u82f1\u6587\uff1a<a href=\"https:\/\/www.ia.org.hk\/en\/qualifying_deferred_annuity_policy\/index.html\">Qualifying Deferred Annuity Policy<\/a>\uff0c\u7c21\u7a31QDAP\uff09\uff0c\u662f\u4e00\u9805\u65bc2019\u5e744\u67081\u65e5\u8d77\u751f\u6548\u7684\u653f\u7b56\uff0c\u4ee5\u9f13\u52f5\u9999\u6e2f\u5e02\u6c11\u70ba\u9000\u4f11\u751f\u6d3b\u4f5c\u81ea\u9858\u6027\u5132\u84c4\u800c\u63a8\u51fa\u7684\u7a05\u52d9\u512a\u60e0\u63aa\u65bd\u3002\u9019\u4e9b\u6263\u7a05\u5e74\u91d1\u7522\u54c1\u9700\u7b26\u5408\u4fdd\u76e3\u5c40\u767c\u51fa\u7684\u6307\u5f15\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u8cbb\u7e3d\u984d\u6700\u5c11\u70ba\u6e2f\u5e6318\u842c\u5143\uff0c\u4e14\u4f9b\u6b3e\u671f\u6700\u5c11\u70ba5\u5e74<\/li>\n\n\n\n<li>\u5e74\u91d1\u671f\u6700\u5c11\u70ba10\u5e74<\/li>\n\n\n\n<li>\u5e74\u91d1\u9818\u53d6\u4eba\u9808\u5e74\u6eff50\u6b72\u6216\u4ee5\u4e0a\u624d\u53ef\u958b\u59cb\u9818\u53d6\u5e74\u91d1<\/li>\n\n\n\n<li>\u4fdd\u96aa\u516c\u53f8\u9808\u5728\u92b7\u552e\u6587\u4ef6\u53ca\u5468\u5e74\u7d50\u7b97\u66f8\u4e2d\uff0c\u6e05\u695a\u62ab\u9732\u4fdd\u8b49\u5167\u90e8\u56de\u5831\u7387\uff08IRR\uff09\u3001\u975e\u4fdd\u8b49\u90e8\u5206\u4ee5\u53ca\u8207\u4fdd\u8cbb\u56de\u8d08\u6709\u95dc\u7684\u8cc7\u8a0a<\/li>\n\n\n\n<li>\u4fdd\u55ae\u689d\u6b3e\u9808\u6e05\u695a\u5340\u5206\u5e74\u91d1\u7522\u54c1\u8207\u9644\u52a0\u4fdd\u969c\uff08\u5982\u5371\u75be\u4fdd\u969c\u3001\u4f4f\u9662\u73fe\u91d1\u7b49\uff09\u7684\u4fdd\u8cbb<\/li>\n<\/ul>\n\n\n\n<p>\u6263\u7a05\u5e74\u91d1\u7522\u54c1\u7531\u79c1\u71df\u91d1\u878d\u6a5f\u69cb\u63d0\u4f9b\uff0c\u6295\u4fdd\u5e74\u9f61\u53ef\u4f4e\u81f318\u6b72\uff0c\u4ea6\u53ef\u8b93\u6295\u4fdd\u4eba\u65bc\u8f03\u65e9\u6642\u9593\u958b\u59cb\u9818\u53d6\u5e74\u91d1\uff0c\u81ea\u7531\u9078\u64c7\u4f55\u6642\u958b\u5c55\u9000\u4f11\u751f\u6d3b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6263\u7a05\u4e0a\u9650\u548c\u8a08\u7b97\u65b9\u6cd5<\/strong><\/h3>\n\n\n\n<p>\u6bcf\u540d\u7d0d\u7a05\u4eba\u53ef\u7528\u4f5c\u6263\u7a05\u7684\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u7684\u6700\u9ad8\u7a05\u52d9\u6263\u9664\u984d\u70ba\u6bcf\u5e74\u6e2f\u5e6360,000\u5143\uff0c\u4ee5\u85aa\u4ff8\u7a0517%\u7a05\u7387\u8a08\u7b97\uff0c\u6bcf\u5e74\u6700\u7d42\u53ef\u7bc0\u7701\u6e2f\u5e6310,200\u5143\u7a05\u6b3e\u3002\u503c\u5f97\u7559\u610f\uff0c\u5408\u8cc7\u683c\u5e74\u91d1\u4fdd\u8cbb<a href=\"https:\/\/www.gov.hk\/tc\/residents\/taxes\/salaries\/allowances\/deductions\/annuity.htm\">\u6263\u7a05\u4e0a\u9650<\/a>\uff0c\u662f\u8207\u53ef\u6263\u7a05\u5f37\u7a4d\u91d1\u81ea\u9858\u6027\u4f9b\u6b3e\u5408\u8a08\u7684\u7e3d\u9650\u984d\u4e00\u4f75\u8a08\u7b97\u3002<\/p>\n\n\n\n<p>\u6263\u7a05\u5e74\u91d1\u4fdd\u55ae\u6301\u6709\u4eba\u5fc5\u9808\u70ba\u7d0d\u7a05\u4eba\u81ea\u8eab\u6216\u5176\u914d\u5076\uff1b\u5408\u8cc7\u683c\u5e74\u91d1\u4fdd\u8cbb\u7684\u7e73\u6b3e\u4eba\u5fc5\u9808\u70ba\u7d0d\u7a05\u4eba\u6216\u540c\u4f4f\u914d\u5076\uff1b\u5e74\u91d1\u9818\u53d6\u4eba\u5fc5\u9808\u70ba\u4f60\u81ea\u5df1\u6216\u4f60\u5728\u6709\u95dc\u8ab2\u7a05\u5e74\u5ea6\u5167\u4efb\u4f55\u6642\u9593\u7684\u914d\u5076\uff0c\u4e26\u4e14\u5728\u6709\u95dc\u8ab2\u7a05\u5e74\u5ea6\u5167\u6301\u6709\u9999\u6e2f\u8eab\u5206\u8b49\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u592b\u5a66\u4e8c\u4eba\u5747\u70ba\u7d0d\u7a05\u4eba\u53ca\u5206\u958b\u5831\u7a05\uff0c\u6bcf\u4eba\u53ef\u5404\u4eab\u670960,000\u6e2f\u5143\u7684\u6263\u7a05\u4e0a\u9650\uff1b\u592b\u5a66\u4e4b\u9593\u53ef\u5206\u914d\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u8cbb\u7684\u7a05\u52d9\u6263\u9664\uff0c\u4ee5\u7533\u8acb\u5408\u5171120,000\u5143\u7684\u6263\u9664\u7e3d\u984d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9999\u6e2f\u6263\u7a05\u5e74\u91d1\u6bd4\u8f03<\/strong><\/h3>\n\n\n\n<p>\u6839\u64da\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40\uff08\u4fdd\u76e3\u5c40\uff09\u7684\u622a\u81f32025\u5e746\u670822\u65e5\u7684\u8cc7\u6599\uff0c\u9999\u6e2f\u76ee\u524d\u5171\u6709\u9999\u6e2f\u76ee\u524d\u670926\u9593\u4fdd\u96aa\u516c\u53f8\u7684\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\u4fdd\u55ae\uff08QDAP\uff09\u7522\u54c1\uff0c\u4f8b\u5982<a href=\"https:\/\/www.boclife.com.hk\/tc\/product\/boc-life-deferred-annuity-lifetime.html\">\u4e2d\u9280\u4eba\u58fd &#8211; \u5ef6\u671f\u5e74\u91d1\u8a08\u5283<\/a>\u3001<a href=\"https:\/\/www.wli.com.hk\/productWellEnjoyDeferredAPS.jhtml\">\u7acb\u6a4b\u4eba\u58fd &#8211; \u300c\u5b58\u300d\u70ba\u672a\u4f86\uff08\u512a\u8d8a\uff09\u5ef6\u671f\u5e74\u91d1\u8a08\u5283<\/a>\u3001<a href=\"https:\/\/www.hangseng.com\/zh-hk\/personal\/insurance-mpf\/retirement-wealth-education\/eincomepro-guaranteed\/\">\u6052\u751f\u4fdd\u96aa &#8211; \u300c\u6613\u5165\u606f\u300d\u5ef6\u671f\u5e74\u91d1\u8a08\u5283<\/a>\u3001<a href=\"https:\/\/hklife.cpic.com.cn\/pdf\/chi-LiveBetterDeferredAnnuityPlan-Fixed-Term.pdf\">\u592a\u5e73\u6d0b\u4eba\u58fd &#8211; \u6b72\u7a05Fun\u4eab\u5ef6\u671f\u5e74\u91d1\u8a08\u5283<\/a>\u3001<a href=\"https:\/\/www.fwd.com.hk\/online-insurance\/retirefun-deferred-annuity-plan\/\">\u5bcc\u885b &#8211; \u76c8\uff0e\u6b72\u6085\u5ef6\u671f\u5e74\u91d1\u8a08\u5283<\/a>\u3001<a href=\"https:\/\/www.axa.com.hk\/zh\/income-bliss-deferred-annuity-plan\">AXA\u5b89\u76db &#8211; \u300c\u8cde\u7cbe\u5f69\u300d\u5ef6\u671f\u5e74\u91d1\u8a08\u5283<\/a>\u7b49\uff0c\u6bcf\u9593\u516c\u53f8\u901a\u5e38\u63d0\u4f9b2\u81f310\u500b\u4e0d\u540c\u7248\u672c\u7684QDAP\u7522\u54c1\uff0c\u90e8\u5206\u8a2d\u6709\u7d42\u8eab\u5e74\u91d1\u9078\u9805\uff0c\u6216\u63d0\u4f9b\u7279\u5225\u4fdd\u969c\uff08\u5982\u5931\u696d\u3001\u8eab\u6545\u3001\u5371\u75be\u7b49\uff09\uff0c\u4e26\u8986\u84cb\u6e2f\u5e63\u3001\u7f8e\u5143\u53ca\u4eba\u6c11\u5e63\u3002<\/p>\n\n\n\n<p>\u9664\u4e86\u4fdd\u8b49\u7684\u5e74\u91d1\u652f\u4ed8\u5916\uff0c\u9084\u6709\u975e\u4fdd\u8b49\u7684\u300c\u7d05\u5229\u300d\u6216\u300c\u5206\u7d05\u300d\u90e8\u5206\uff0c\u9019\u90e8\u5206\u6536\u76ca\u901a\u5e38\u8207\u4fdd\u96aa\u516c\u53f8\u7684\u6295\u8cc7\u8868\u73fe\u53ca\u5176\u4ed6\u56e0\u7d20\u639b\u920e\uff0c\u76ee\u524d\u9999\u6e2f\u5e02\u5834\u4e0a\u5927\u90e8\u5206\u5408\u8cc7\u683c\u5ef6\u671f\u5e74\u91d1\uff08QDAP\uff09\u5c6c\u65bc\u6b64\u985e\u3002\u81f3\u65bc\u653f\u5e9c\u7684\u9999\u6e2f\u5e74\u91d1\u8a08\u5283\u5c6c\u65bc\u975e\u53c3\u8207\u5206\u7d05\u5e74\u91d1\uff08\u82f1\u6587\uff1aNon-Participating Annuity\uff09\uff0c\u53ea\u63d0\u4f9b\u4fdd\u8b49\u7684\u5e74\u91d1\u652f\u4ed8\uff0c\u4e0d\u8a2d\u4efb\u4f55\u975e\u4fdd\u8b49\u7684\u7d05\u5229\u6216\u5206\u7d05\u3002<\/p>\n\n\n\n<p>\u57fa\u65bc<a href=\"https:\/\/www.ia.org.hk\/tc\/\">\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40<\/a> (IA)\u898f\u5b9a\u4fdd\u96aa\u516c\u53f8\u9808\u5728\u92b7\u552e\u6587\u4ef6\u53ca\u5468\u5e74\u6587\u4ef6\u6e05\u695a\u62ab\u9732\u4fdd\u8b49\u5167\u90e8\u56de\u5831\u7387 (IRR)\u3001\u975e\u4fdd\u8b49\u90e8\u5206\u4ee5\u53ca\u8207\u4fdd\u8cbb\u56de\u8d08\u6709\u95dc\u7684\u8cc7\u8a0a\uff0c\u4e26\u5728\u5e74\u91d1\u641c\u5c0b\u5de5\u5177\u53ca\u300c<a href=\"https:\/\/www.ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/List_of_QDAP.html\">QDAP\u5168\u540d\u55ae<\/a>\u300d\u53ca\u300c<a href=\"https:\/\/www.ia.org.hk\/tc\/qualifying_deferred_annuity_policy\/qdap_selection_tool.html\">\u5e74\u91d1\u81f3\u8b58\u63c0<\/a>\u300d\u4e0a\u516c\u958b\u56de\u5831\u60c5\u6cc1\uff0c\u65b9\u4fbf\u6295\u4fdd\u4eba\u6bd4\u6559\u6263\u7a05\u5e74\u91d1\u7684\u4fdd\u8b49\u5167\u90e8\u56de\u5831\u7387\u3001\u7e3d\u5167\u90e8\u56de\u5831\u7387\uff0c\u4ee5\u53ca\u9996\u5e74\u9000\u4fdd\u91d1\u984d\u4f54\u5e74\u7e73\u4fdd\u8cbb\u7684\u767e\u5206\u6bd4\u7b49\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u6295\u8cc7\u8005\u5728\u6bd4\u8f03\u5404\u500b\u6263\u7a05\u5e74\u91d1\u7522\u54c1\u6642\u9700\u8003\u616e\u5206\u7d05\u5be6\u73fe\u7387\u3001\u9000\u4fdd\u50f9\u503c\u53ca\u500b\u4eba\u7684\u9000\u4f11\u898f\u5283\u9700\u8981\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u8cfc\u8cb7\u5e74\u91d1\u524d\u9700\u8003\u616e\u7684\u56e0\u7d20<\/strong><\/h2>\n\n\n\n<p><strong>\u6d41\u52d5\u6027\u8f03\u4f4e\uff1a<\/strong>\u5e74\u91d1\u5c6c\u9577\u671f\u6295\u8cc7\uff0c\u63d0\u65e9\u9000\u4fdd\u6216\u9762\u81e8\u8f03\u9ad8\u7684\u8cbb\u7528\u6216\u640d\u5931<\/p>\n\n\n\n<p><strong>\u901a\u8139\u98a8\u96aa\uff1a<\/strong>\u56fa\u5b9a\u5e74\u91d1\u7684\u652f\u4ed8\u91d1\u984d\u4e0d\u6703\u96a8\u901a\u8139\u8abf\u6574\uff0c\u9577\u671f\u53ef\u80fd\u5c0e\u81f4\u8cfc\u8cb7\u529b\u4e0b\u964d<\/p>\n\n\n\n<p><strong>\u56de\u5831\u7387\u4e0d\u9ad8\uff1a<\/strong>\u67d0\u4e9b\u5e74\u91d1\uff08\u7279\u5225\u662f\u56fa\u5b9a\u5e74\u91d1\uff09\u7684\u4fdd\u8b49\u5167\u90e8\u56de\u5831\u7387\u53ea\u6709\u4e0d\u8db30.5%<\/p>\n\n\n\n<p><strong>\u8907\u96dc\u6027\uff1a<\/strong> \u4e0d\u540c\u5e74\u91d1\u7522\u54c1\u7684\u689d\u6b3e\u3001\u6536\u76ca\u8a08\u7b97\u65b9\u5f0f\u5404\u7570\uff0c\u8cfc\u8cb7\u524d\u9700\u4ed4\u7d30\u7814\u7a76<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u88ab\u52d5\u6536\u5165\u6709\u54ea\u4e9b\uff1f<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/syfe-%e9%9d%88%e6%b4%bb%e5%af%b6-%e8%b2%a8%e5%b9%a3%e5%b8%82%e5%a0%b4%e5%9f%ba%e9%87%91-money-market-fund\/\"><strong>\u6df1\u5165\u62c6\u89e3 Syfe\u9748\u6d3b\u5bf6<\/strong><\/a><\/h3>\n\n\n\n<p>Syfe\u9748\u6d3b\u5bf6\u6295\u8cc7\u7d44\u5408\u7531\u9999\u6e2f\u8b49\u76e3\u6703\u8a8d\u53ef\u7684\u9ad8\u9a30\u548c\u6cf0\u5eb7\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\u7d44\u6210\uff0c\u9019\u5169\u5bb6\u516c\u53f8\u662f\u9999\u6e2f\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\u9818\u57df\u6700\u5927\u7684\u8cc7\u7522\u7ba1\u7406\u516c\u53f8\u3002\u6295\u8cc7\u7d44\u5408\u7684\u76ee\u6a19\u662f\u4fdd\u6301\u975e\u5e38\u4f4e\u98a8\u96aa\uff0c\u540c\u6642\u5be6\u73fe\u8207\u7576\u524d\u8ca8\u5e63\u5e02\u5834\u5229\u7387\u76f8\u7576\u6216\u66f4\u9ad8\u7684\u56de\u5831\u3002<\/p>\n\n\n\n<p>\u81ea2022\u5e74\u63a8\u51fa\u4ee5\u4f86\uff0cSyfe \u9748\u6d3b\u5bf6\uff08\u7f8e\u5143\uff09\u5f9e\u672a\u6709\u904e\u55ae\u65e5\u8ca0\u56de\u5831\uff0c\u8b93\u6295\u8cc7\u8005\u7684\u73fe\u91d1\u8cfa\u53d6\u66f4\u591a\u6536\u76ca\uff0c\u9748\u6d3b\u5bf6\uff08\u7f8e\u5143\uff09\u5e74\u5316\u6536\u76ca\u7387\u70ba4.4%\uff0c\u9748\u6d3b\u5bf6\uff08\u6e2f\u5143\uff09\u5e74\u5316\u6536\u76ca\u7387\u70ba2.4%\u3002<\/p>\n\n\n\n<p>\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\u662f\u4e00\u7a2e\u5171\u540c\u57fa\u91d1\uff0c\u6295\u8cc7\u65bc\u9ad8\u6d41\u52d5\u6027\u548c\u77ed\u671f\u73fe\u91d1\u53ca\u985e\u73fe\u91d1\u5de5\u5177\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u65e8\u5728\u4fdd\u5b58\u4f60\u7684\u8cc7\u672c\uff0c\u540c\u6642\u6709\u53ef\u80fd\u8cfa\u53d6\u8207\u5e02\u5834\u5229\u7387\u76f8\u7576\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1019\" height=\"280\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u88ab\u52d5\u6536\u5165-SYFE.png\" alt=\"\" class=\"wp-image-6387\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u88ab\u52d5\u6536\u5165-SYFE.png 1019w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u88ab\u52d5\u6536\u5165-SYFE-300x82.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u88ab\u52d5\u6536\u5165-SYFE-768x211.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/06\/\u88ab\u52d5\u6536\u5165-SYFE-696x191.png 696w\" sizes=\"auto, (max-width: 1019px) 100vw, 1019px\" \/><\/figure>\n\n\n\n<p>\u622a\u81f32025\u5e746\u670818\u65e5\u3002<\/p>\n\n\n\n<p>\u9999\u6e2f\u8b49\u76e3\u6703\u5c0d\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\u6709\u975e\u5e38\u56b4\u683c\u7684\u6295\u8cc7\u6307\u5f15\uff0c\u7279\u5225\u662f\u5728\u8cc7\u7522\u8cea\u91cf\u548c\u7ba1\u7406\u4eba\u5fc5\u9808\u9075\u5b88\u7684\u6d41\u52d5\u6027\u65b9\u9762\u3002\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc\u9019\u4e9b\u57fa\u91d1\u8207\u5176\u4ed6\u5171\u540c\u57fa\u91d1\u76f8\u6bd4\u63d0\u4f9b\u66f4\u9ad8\u7684\u6d41\u52d5\u6027\u548c\u66f4\u4f4e\u7684\u6ce2\u52d5\u6027\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff0c\u6cf0\u5eb7\u958b\u6cf0\u6e2f\u5143\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\u6301\u6709\u6e2f\u5143\u8a08\u50f9\u7684\u77ed\u671f\u5b58\u6b3e\u548c\u7531\u653f\u5e9c\u3001\u6e96\u653f\u5e9c\u6a5f\u69cb\u3001\u570b\u969b\u7d44\u7e54\u548c\u91d1\u878d\u6a5f\u69cb\u767c\u884c\u7684\u9ad8\u8cea\u91cf\u8ca8\u5e63\u5e02\u5834\u5de5\u5177\u3002<\/p>\n\n\n\n<p>\u66f4\u591a\u76f8\u95dc\u7406\u8ca1\u8cc7\u8a0a\uff1a<a 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