{"id":7369,"date":"2025-11-11T01:19:26","date_gmt":"2025-11-10T17:19:26","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=7369"},"modified":"2025-11-07T20:25:20","modified_gmt":"2025-11-07T12:25:20","slug":"%e6%9c%88-%e4%be%9b-%e8%82%a1%e7%a5%a8","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%9c%88-%e4%be%9b-%e8%82%a1%e7%a5%a8\/","title":{"rendered":"\u9999\u6e2f\u80a1\u6c11\u6700\u9418\u610f\u8cb7\u4e5c\uff1f\u6708\u4f9b\u80a1\u7968\u61f6\u4eba\u5305 2\u5927\u5fc5\u77e5\u7d30\u7bc0\u4f4d"},"content":{"rendered":"\n<p>\u6708\u4f9b\u80a1\u7968\u662f<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E5%A6%82%E4%BD%95%E9%80%8F%E9%81%8E%E6%88%90%E6%9C%AC%E5%B9%B3%E5%9D%87%E6%B3%95%E7%A9%8D%E7%B4%AF%E9%95%B7%E6%9C%9F%E8%B2%A1%E5%AF%8C\/\">\u5e73\u5747\u6210\u672c\u6cd5<\/a>\uff08\u82f1\u6587\uff1a<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/how-dollar-cost-averaging-builds-wealth-over-time-2\/\">Dollar Cost Averaging,<\/a> DCA\uff09\u7684\u6700\u4f73\u5be6\u8e10\u4f8b\u5b50\uff0c\u5c24\u5176\u9069\u7528\u8cc7\u91d1\u6709\u9650\u7684\u6295\u8cc7\u5165\u9580\u65b0\u624b\u6216\u6709\u9577\u671f\u76ee\u6a19\uff08\u5982\u9000\u4f11\u898f\u5283\u6216\u5b50\u5973\u6559\u80b2\u57fa\u91d1\uff09\u7684\u6295\u8cc7\u8005\u3002\u672c\u6587\u6574\u7406\u9999\u6e2f\u591a\u9593\u4e3b\u8981\u9280\u884c\u53ca\u5238\u5546\u63d0\u4f9b\u7684\u6708\u4f9b\u80a1\u7968\u6295\u8cc7\u670d\u52d9\uff0c\u4e26\u7f85\u5217\u6700\u53d7\u9999\u6e2f\u4eba\u6b61\u8fce\u7684\u6708\u4f9b\u80a1\u7968\u53ca\u5fc5\u9808\u8003\u91cf\u7684\u98a8\u96aa\u56e0\u7d20\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-4d6e35dc      \"\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\t\u6708\u4f9b\u80a1\u7968\u61f6\u4eba\u5305\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=\"#\u4ec0\u9ebc\u662f\u6708\u4f9b\u80a1\u7968\" class=\"uagb-toc-link__trigger\">\u4ec0\u9ebc\u662f\u6708\u4f9b\u80a1\u7968\uff1f<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6708\u4f9b\u80a1\u7968\u7279\u9ede\u548c\u597d\u8655\" class=\"uagb-toc-link__trigger\">\u6708\u4f9b\u80a1\u7968\u7279\u9ede\u548c\u597d\u8655<\/a><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u9078\u64c7\u6708\u4f9b\u80a1\u7968\u5e73\u53f0\u6642\u6ce8\u610f\u4e8b\u9805\" class=\"uagb-toc-link__trigger\">\u9078\u64c7\u6708\u4f9b\u80a1\u7968\u5e73\u53f0\u6642\u6ce8\u610f\u4e8b\u9805<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u5404\u5e73\u53f0\u53ef\u6295\u8cc7\u7684\u4e0a\u5e02\u516c\u53f8\u7684\u6578\u76ee\u53ca\u985e\u578b\" class=\"uagb-toc-link__trigger\">\u5404\u5e73\u53f0\u53ef\u6295\u8cc7\u7684\u4e0a\u5e02\u516c\u53f8\u7684\u6578\u76ee\u53ca\u985e\u578b<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6708\u4f9b\u80a1\u7968\u6536\u8cbb\u7d30\u7bc0\" class=\"uagb-toc-link__trigger\">\u6708\u4f9b\u80a1\u7968\u6536\u8cbb\u7d30\u7bc0<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u788e\u80a1\u8655\u7406\" class=\"uagb-toc-link__trigger\">\u788e\u80a1\u8655\u7406<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u6700\u53d7\u6b61\u8fce\u7684\u6e2f\u80a1\u6708\u4f9b\u80a1\u7968\" class=\"uagb-toc-link__trigger\">\u6700\u53d7\u6b61\u8fce\u7684\u6e2f\u80a1\u6708\u4f9b\u80a1\u7968<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6700\u65b0\u88ab\u52d5\u6536\u5165\u9078\u64c7\" class=\"uagb-toc-link__trigger\">\u6700\u65b0\u88ab\u52d5\u6536\u5165\u9078\u64c7<\/a><\/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\"><strong>\u4ec0\u9ebc\u662f\u6708\u4f9b\u80a1\u7968\uff1f<\/strong><\/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\/11\/\u6708-\u4f9b-\u80a1\u7968-1024x576.png\" alt=\"\" class=\"wp-image-7370\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u6708\u4f9b\u80a1\u7968\uff08\u82f1\u6587\uff1aMonthly Stocks Savings Plan\uff09\u662f\u6307\u6295\u8cc7\u8005\u6bcf\u6708\u5b9a\u671f\u4ee5\u56fa\u5b9a\u91d1\u984d\u8cfc\u8cb7\u6307\u5b9a\u80a1\u7968\u6216ETF\uff0c\u900f\u904e\u9280\u884c\u6216\u8b49\u5238\u884c\u5728\u6307\u5b9a\u65e5\u671f\u81ea\u52d5\u4ee5\u7576\u65e5\u5e02\u50f9\u5b8c\u6210\u4ea4\u6613\u3002\u6708\u4f9b\u80a1\u7968\u7684\u6700\u5927\u512a\u9ede\u662f\u53ef\u4ee5\u5728\u5fc3\u5100\u7684\u4e0a\u5e02\u516c\u53f8\u6216ETF\u80a1\u50f9\u4f4e\u6642\u8cfc\u5165\u591a\u4e00\u9ede\u3001\u9ad8\u50f9\u6642\u8cb7\u5165\u5c11\u4e00\u9ede\uff0c\u5206\u6563\u5e02\u5834\u6ce2\u52d5\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u53e6\u4e00\u7a2e\u505a\u6cd5\u662f\u6bcf\u6708\u5728\u6307\u5b9a\u65e5\u671f\u8cfc\u8cb7\u6307\u5b9a\u6578\u91cf\u7684\u6307\u5b9a\u80a1\u7968\u6216ETF\uff0c\u4f8b\u5982\u6bcf\u67081\u65e5\u8cfc\u8cb71\u80a1\u7f8e\u80a1\u62161\u624b\u6e2f\u80a1\uff0c\u540c\u6a23\u80fd\u9054\u5230\u6524\u5e73\u6295\u8cc7\u6210\u672c\u7684\u76ee\u6a19\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6708\u4f9b\u80a1\u7968\u7279\u9ede\u548c\u597d\u8655<\/strong><\/h3>\n\n\n\n<p>\u6708\u4f9b\u80a1\u7968\u9580\u6abb\u8f03\u4f4e\uff0c\u4e3b\u6d41\u9280\u884c\u6216\u5238\u5546\u591a\u6578\u4ee5500\u81f31,000\u6e2f\u5143\u70ba\u5165\u5834\u9580\u6abb\uff0c\u500b\u5225\u5238\u5546\u66f4\u6700<a href=\"https:\/\/www.chiefgroup.com.hk\/hk\/investment\/monthlyplan\">\u4f4e\u81f3<\/a>100\u6e2f\u5143\u3002\u7531\u65bc\u67d0\u4e9b\u85cd\u7c4c\u80a1\u6bcf\u624b\uff0f\u6bcf\u80a1\u9700\u8981\u5927\u91cf\u8cc7\u91d1\uff0c\u4f8b\u5982\u9a30\u8a0a\u63a7\u80a1\uff08700\uff09\u6bcf\u624b\u80a1\u6578\u70ba100\u80a1\uff0c\u4ee52025\u5e7410\u6708\u80a1\u50f9\u8a08\uff0c\u5373\u6bcf\u624b\u9700\u8981\u8d85\u904e6\u842c\u5143\uff0c\u5728\u6708\u4f9b\u80a1\u7968\u8a08\u5283\u4e0b\uff0c\u6295\u8cc7\u8005\u53ef\u4ee5\u4ee5\u8f03\u5c11\u7684\u91d1\u984d\u958b\u59cb\u6295\u8cc7\u5fc3\u5100\u7684\u80a1\u4efd\u3002<\/p>\n\n\n\n<p>\u6708\u4f9b\u80a1\u7968\u7684\u6838\u5fc3\u50f9\u503c\u9084\u5f70\u986f\u5728\u98a8\u96aa\u5206\u6563\u4e0a\uff0c\u900f\u904e\u5728\u4e0d\u540c\u7684\u6642\u9593\u9ede\u8cb7\u5165\uff0c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/how-dollar-cost-averaging-builds-wealth-over-time-2\/\">DCA<\/a>\u6709\u6548\u964d\u4f4e\u4e86\u55ae\u6b21\u5927\u984d\u8cb7\u5165\u6240\u9762\u81e8\u7684\u5e02\u5834\u6642\u6a5f\uff08Market Timing\uff09\u98a8\u96aa\uff0c\u7279\u5225\u9069\u5408\u90a3\u4e9b\u5c0d\u65bc\u5e02\u5834\u6ce2\u52d5\u611f\u5230\u4e0d\u5b89\u6216\u7f3a\u4e4f\u7d93\u9a57\uff0c\u4e0d\u64c5\u9577\u5224\u65b7\u5e02\u5834\u9ad8\u4f4e\u9ede\u7684\u6295\u8cc7\u8005 \u3002&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>\u6cc1\u4e14\u6708\u4f9b\u80a1\u7968\u4e0d\u9700\u8981\u6295\u8cc7\u8005\u89aa\u8eab\u4e0a\u9663\u64cd\u4f5c\u4ea4\u6613\uff0c\u7bc0\u7701\u6642\u9593\u8207\u7cbe\u529b\u3002\u4e00\u65e6\u8a2d\u5b9a\u4e86\u81ea\u52d5\u6263\u6b3e\u548c\u4ea4\u6613\u7b56\u7565\uff0c\u6295\u8cc7\u8005\u4fbf\u80fd\u5805\u6301\u65e2\u5b9a\u7684\u7b56\u7565\uff0c\u5be6\u73fe\u9577\u671f\u5132\u84c4\u3001\u7a69\u5b9a\u6295\u8cc7\u7fd2\u6163 \u3002<\/p>\n\n\n\n<p>\u3010\u65b0\u624b\u5982\u4f55\u8cb7\u80a1\u7968\uff1a<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E6%96%B0%E6%89%8B-%E5%A6%82%E4%BD%95-%E8%B2%B7-%E8%82%A1%E7%A5%A8\/\">\u5f9e\u96f6\u958b\u59cb\u80a1\u7968\u6295\u8cc7\u6307\u5357\uff01\u89e3\u7b544\u5927\u5e38\u898b\u554f\u984c<\/a>\u3011<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9078\u64c7\u6708\u4f9b\u80a1\u7968\u5e73\u53f0\u6642\u6ce8\u610f\u4e8b\u9805<\/strong><\/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\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-1024x576.png\" alt=\"\" class=\"wp-image-7372\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6ce8\u610f.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5404\u5e73\u53f0\u53ef\u6295\u8cc7\u7684\u4e0a\u5e02\u516c\u53f8\u7684\u6578\u76ee\u53ca\u985e\u578b<\/strong><\/h3>\n\n\n\n<p>\u9999\u6e2f\u50b3\u7d71\u9280\u884c\u6708\u4f9b\u80a1\u7968\u6e2f\u80a1\u6e05\u55ae\u901a\u5e38\u662f\u96c6\u4e2d\u65bc\u9999\u6e2f\u6052\u751f\u6307\u6578\u4e2d\u7684\u9632\u79a6\u6027\u85cd\u7c4c\u80a1\uff0c\u4f8b\u5982\u91d1\u878d\u3001\u5730\u7522\u548c\u516c\u7528\u4e8b\u696d\u677f\u584a\uff0c\u4ee5\u53ca\u9ad8\u5e02\u503c\u3001\u4f4e\u6ce2\u52d5\u6027\u7684\u4e0a\u5e02\u516c\u53f8\uff0c\u4f8b\u5982<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E4%B8%80-%E5%B9%B4-%E6%B4%BE-%E5%9B%9B-%E6%AC%A1-%E6%81%AF-%E8%82%A1%E7%A5%A8\/\">\u4e00\u5e74\u6d3e\u56db\u6b21\u606f<\/a>\u7684\u4e2d\u96fb\uff08002\uff09\u3001\u6ed9\u63a7\uff08005\uff09\u3001\u6052\u751f\uff08011\uff09\u53ca\u4e2d\u9280\u9999\u6e2f\uff082388\uff09\u88ab\u6240\u6709\u9280\u884c\u7684\u6708\u4f9b\u80a1\u7968\u8a08\u5283\u652f\u63f4\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u9280\u884c<\/td><td>\u6708\u4f9b\u80a1\u7968\u53ef\u6295\u8cc7\u80a1\u7968\u6578\u76ee<\/td><\/tr><tr><td><a href=\"https:\/\/www.bochk.com\/dam\/investment\/securities\/monthly\/tc.html\">\u4e2d\u9280\u9999\u6e2f<\/a><\/td><td>\u7d04200<\/td><\/tr><tr><td><a href=\"https:\/\/www.hangseng.com\/zh-hk\/investment\/securities-services\/mip-for-stocks\/#charges\">\u6052\u751f\u9280\u884c<\/a><\/td><td>\u7d04145<\/td><\/tr><tr><td><a href=\"https:\/\/www.hsbc.com.hk\/zh-hk\/investments\/products\/stocks\/hk-trading\/monthly\/\">\u6ed9\u8c50\u9280\u884c<\/a><\/td><td>\u7d04145<\/td><\/tr><tr><td><a href=\"https:\/\/www.asia.ccb.com\/hongkong_tc\/personal\/investment\/securities_trading\/SMIP_Eligible_List_of_Securities.pdf\">\u5efa\u884c\u4e9e\u6d32<\/a><\/td><td>\u7d04143<\/td><\/tr><tr><td><a href=\"https:\/\/www.hk.bankcomm.com\/hk\/uploadhk\/infos\/202201\/06\/2640051\/20220106111432_Monthly_Stocks_Investment_Plan_tw_202201.pdf\">\u4ea4\u9280\u9999\u6e2f<\/a><\/td><td>\u7d04139<\/td><\/tr><tr><td><a href=\"https:\/\/www.hkbea.com\/html\/tc\/bea-investment-services-securities-services-smip-hk-list.html\">\u6771\u4e9e\u9280\u884c<\/a><\/td><td>\u7d04110<\/td><\/tr><tr><td><a href=\"https:\/\/www.citibank.com.hk\/chinese\/wealth-management\/investment\/stock-trading\/stock-regular-savings-plan\/\">\u82b1\u65d7\u9280\u884c<\/a><\/td><td>\u7d0490<\/td><\/tr><tr><td><a href=\"https:\/\/www.cmbwinglungbank.com\/wlb_corporate\/hk\/personal\/investments\/securities-service\/securities-savings-scheme.html\">\u62db\u5546\u6c38\u9686<\/a><\/td><td>\u7d0456<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*\u622a\u81f32025\u5e7411\u67081\u65e5\u5404\u9280\u884c\u7db2\u7ad9\u62ab\u9732\u7684\u516c\u958b\u8cc7\u6599<\/p>\n\n\n\n<p>\u4e0d\u904e\u5404\u500b\u9280\u884c\u7684\u6e05\u55ae\u7d44\u6210\u5404\u6709\u4e0d\u540c\uff0c\u4f8b\u5982\u6771\u4e9e\u9280\u884c\u662f\u5c11\u6578\u652f\u6301\u6708\u4f9b\u751f\u7269\u79d1\u6280\u80a1\u5eb7\u5e0c\u8afe\u751f\u7269\uff086185\uff09\u7684\u9280\u884c\uff0c\u800c\u82b1\u65d7\u9280\u884c\u5247\u5bb9\u8a31\u6295\u8cc7\u8005\u6708\u4f9b<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E4%B8%80-%E5%B9%B4-%E6%B4%BE-%E5%9B%9B-%E6%AC%A1-%E6%81%AF-%E8%82%A1%E7%A5%A8\/\">\u9999\u6e2f\u9ec3\u91d1ETF<\/a>\u7522\u54c1SPDR\u91d1\uff082840\uff09\u3002<\/p>\n\n\n\n<p>\u8b49\u5238\u884c\u65b9\u9762\uff0c\u8001\u864e\u8b49\u5238\u3001<a href=\"https:\/\/www.futuhk.com\/support\/topic2_704\">\u5bcc\u9014\u8b49\u5238<\/a>\u53ca<a href=\"https:\/\/www.usmart.hk\/zh-hk\/news-detail\/71\/7282668273899028664\">uSMART<\/a>\u5747\u672a\u6709\u5728\u7db2\u4e0a\u62ab\u9732\u6708\u4f9b\u80a1\u7968\u6e05\u55ae\uff0c\u7528\u6236\u9700\u8981\u81ea\u884c\u5728\u61c9\u7528\u7a0b\u5f0f\u5167\u5c0b\u627e\uff0c\u4f46\u4e92\u806f\u7db2\u5238\u5546\u5f80\u5f80\u8986\u84cb\u9762\u8f03\u5ee3\uff0c\u80fd\u5920\u540c\u6642\u63d0\u4f9b\u591a\u500b\u5e02\u5834\u7684\u80a1\u7968\u6708\u4f9b\uff0c\u76c8\u900f\u8b49\u5238\u751a\u81f3\u652f\u63f4\u7f8e\u570b\u3001\u52a0\u62ff\u5927\u3001\u6b50\u6d32\u80a1\u7968\u53caETF\u3002\u81f3\u65bc\u6e2f\u8cc7\u5238\u5546\u53ef\u4ee5\u6708\u4f9b\u7684\u6e2f\u80a1\u53caETF\u6578\u76ee<a href=\"https:\/\/www.chiefgroup.com.hk\/content\/pdf\/securities\/en\/mip-list-hkg.pdf\">\u8d85\u904e<\/a>400\u9593\u3002<\/p>\n\n\n\n<p>\u63db\u8a00\u4e4b\uff0c\u5982\u679c\u6295\u8cc7\u8005\u6253\u7b97\u6708\u4f9b\u4e0a\u5e02\u6642\u9593\u8f03\u77ed\u3001\u6d41\u52d5\u6027\u8f03\u5dee\u3001\u98a8\u96aa\u8f03\u9ad8\u7684\u4f01\u696d\uff0c\u672a\u5fc5\u6709\u9280\u884c\u6216\u8005\u8b49\u5238\u884c\u80fd\u5920\u63d0\u4f9b\u76f8\u95dc\u670d\u52d9\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6708\u4f9b\u80a1\u7968\u6536\u8cbb\u7d30\u7bc0<\/strong><\/h3>\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\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-1024x576.png\" alt=\"\" class=\"wp-image-7374\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6536\u8cbb.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u6295\u8cc7\u8005\u5728\u8003\u616e\u6708\u4f9b\u80a1\u7968\u6642\uff0c\u9700\u8981\u8003\u616e\u5230\u55ae\u6b21\u4ea4\u6613\u6210\u672c\u3001\u6bcf\u6708\u5b58\u5009\u8cbb\u53ca\u4ee3\u6536\u80a1\u606f\u8cbb\u7b49\u76f8\u95dc\u958b\u652f\u3002\u56e0\u70ba\u5c0d\u65bc\u6708\u4f9b\u8a08\u5283\u9019\u7a2e\u6301\u7e8c\u3001\u5c0f\u984d\u7684\u6295\u8cc7\u6a21\u5f0f\u800c\u8a00\uff0c\u9ad8\u6602\u7684\u56fa\u5b9a\u8cbb\u7528\u5c24\u5176\u81f4\u547d\u3002<\/p>\n\n\n\n<p>\u4ee5\u6708\u4f9b\u6e2f\u80a1\u70ba\u4f8b\uff0c\u6709\u5238\u5546\u7d71\u8a08\u7d0466%\u7684\u6295\u8cc7\u8005\u4f9b\u6b3e\u7bc4\u570d\u70ba\u5c11\u65bc3,000\u6e2f\u5143\uff0c\u7576\u4e2d\u53c8\u4ee5\u6708\u4f9b1,000\u5143\u70ba\u6700\u9ad8\u4f54\u6bd4\uff1b\u540c\u6642\u4e0d\u4e4f\u9280\u884c\u5c0d\u6708\u4f9b\u80a1\u7968\u7684\u6295\u8cc7\u8005\u6536\u53d6\u624b\u7e8c\u8cbb\uff0c\u4f8b\u5982\u82b1\u65d7\u9280\u884c\u6536\u53d6\u6bcf\u6708\u4f9b\u6b3e\u984d\u4e4b0.25%\uff0c\u800c\u6bcf\u96bb\u80a1\u7968\u6700\u4f4e\u6536\u8cbb\u70ba50\u5143\uff0c\u610f\u5473\u8457\u6708\u4f9b1,000\u5143\u80a1\u7968\u7684\u6295\u8cc7\u8005\u55ae\u6b21\u6295\u8cc7\u7684\u624b\u7e8c\u8cbb\u6210\u672c\u9ad8\u90545%\uff0c\u5f9e\u9577\u671f\u50f9\u503c\u7a4d\u7d2f\u69cb\u6210\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u3010\u66f4\u591a\u76f8\u95dc\u6587\u7ae0\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%b6%93%e8%ad%89%e5%88%b8%e8%a1%8cdiy-%e9%81%b8%e8%82%a1-vs-etfs-vs-syfe%e6%8a%95%e8%b3%87%e7%b5%84%e5%90%88%ef%bc%9a%e5%93%aa%e9%a1%9e%e6%8a%95%e8%b3%87%e6%96%b9%e6%b3%95%e6%9c%80%e9%81%a9%e5%90%88\/\">\u7d93\u8b49\u5238\u884cDIY \u9078\u80a1 vs ETFs vs Syfe\u6295\u8cc7\u7d44\u5408\uff1a\u54ea\u985e\u6295\u8cc7\u65b9\u6cd5\u6700\u9069\u5408\u4f60\uff1f<\/a>\u3011<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u5b58\u5009\u8cbb\uff08Custody Fee\uff0c\u53c8\u7a31\u70ba\u8b49\u5238\u4fdd\u7ba1\u8cbb\u6216\u8b49\u5238\u8a17\u7ba1\u8cbb\uff09\u53ca\u4ee3\u6536\u80a1\u606f\u8cbb\uff08Dividend Collection Fee\uff09\u4ee5\u5f80\u90fd\u662f\u4e0d\u5c11\u9280\u884c\u6703\u5411\u6708\u4f9b\u80a1\u7968\u6295\u8cc7\u8005\u6536\u53d6\u7684\u96dc\u9805\u6536\u8cbb\uff0c\u524d\u8005\u662f\u91d1\u878d\u6a5f\u69cb\uff08\u9280\u884c\u6216\u8b49\u5238\u884c\uff09\u56e0\u4ee3\u5ba2\u6236\u4fdd\u7ba1\u53ca\u8655\u7406\u8b49\u5238\u8cc7\u7522\u800c\u6536\u53d6\u7684\u8cbb\u7528\uff0c\u5f8c\u8005\u662f\u7576\u4e2d\u592e\u7d50\u7b97\u7cfb\u7d71\u6536\u5230\u80a1\u606f\u6642\u6703\u6536\u53d6\u73fe\u91d1\u80a1\u606f\u7e3d\u503c\u76840.12%\u4f5c\u70ba\u8cbb\u7528\uff0c\u90e8\u5206\u9280\u884c\u6703\u5c31\u6b64\u8a2d\u6700\u4f4e\u6536\u8cbb<\/p>\n\n\n\n<p>\u5982\u679c\u6295\u8cc7\u8005\u6708\u4f9b\u80a1\u7968\u7684\u76ee\u7684\u662f\u9632\u5b88\u6536\u606f\uff0c\u4ee3\u6536\u80a1\u606f\u8cbb\u5c07\u76f4\u63a5\u6e1b\u4f4e\u5be6\u969b\u80a1\u606f\u6536\u5165\uff0c\u56e0\u6b64\u5728\u9078\u64c7\u6295\u8cc7\u5e73\u53f0\u6642\uff0c\u61c9\u7576\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u6216\u8b49\u5238\u884c\u7684\u4ee3\u6536\u80a1\u606f\u8cbb\u6a19\u6e96\u548c\u6700\u4f4e\u6536\u8cbb\u9650\u5236\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u788e\u80a1\u8655\u7406<\/h3>\n\n\n\n<p>\u9664\u6b64\u4ee5\u5916\uff0c\u6708\u4f9b\u80a1\u7968\u5fc5\u7136\u7522\u751f<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E7%A2%8E-%E8%82%A1\/\">\u788e\u80a1<\/a>\uff08\u4e0d\u8db31\u624b\u62161\u80a1\u7684\u96f6\u788e\u80a1\u7968\uff09\uff0c\u6708\u4f9b\u80a1\u7968\u7684\u6295\u8cc7\u8005\u5728\u6cbd\u8ca8\u5957\u73fe\u6642\u5f80\u5f80\u9700\u8981\u652f\u4ed8\u6700\u4f4e\u4f63\u91d1\uff0c\u6d88\u59d4\u6703\u7814\u7a76\u66fe<a href=\"https:\/\/www.consumer.org.hk\/tc\/press-release\/502-stock-monthly-investment-plan\">\u6307\u51fa<\/a>\u8a31\u591a\u9280\u884c\u90fd\u8a2d\u6709\u7d93\u7d00\u4f63\u91d1\u7684\u6700\u4f4e\u6536\u8cbb\uff0c\u6700\u666e\u904d\u662f100\u5143\u3002\u5047\u5982\u6295\u8cc7\u8005\u624b\u6301\u7684\u788e\u80a1\u50f9\u503c\u53ea\u67092,000\u5143\uff0c\u6309\u4e00\u822c\u4ea4\u6613\u4f63\u91d1\u7d040.25%\u6536\u8cbb\u672c\u61c9\u53ea\u4ed85\u5143\uff0c\u4f46\u7531\u65bc\u6700\u4f4e\u624b\u7e8c\u8cbb\u70ba100\u5143\uff0c\u5be6\u969b\u8cbb\u7387\u90545%\uff1b\u540c\u6642\u5927\u90e8\u5206\u9280\u884c\u6cbd\u51fa\u788e\u80a1\u6642\u80a1\u50f9\u4f4e\u65bc\u6b63\u80a1\u5e02\u5834\u50f9\uff0c\u6295\u8cc7\u8005\u6703\u8499\u53d7\u50f9\u5dee\u640d\u5931\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/tag\/%E8%82%A1%E7%A5%A8%E6%8A%95%E8%B3%87%E5%85%A5%E9%96%80\/\"><strong>\u80a1\u7968\u6295\u8cc7\u5165\u9580<\/strong><\/a><strong>\u6982\u5ff5\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%a2%8e-%e8%82%a1\/\"><strong>\u788e\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%88%e8%82%a1-%e4%be%9b%e8%82%a1-%e6%8b%86%e8%82%a1-%e6%84%8f%e6%80%9d\/\"><strong>\u5408\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%88%e8%82%a1-%e4%be%9b%e8%82%a1-%e6%8b%86%e8%82%a1-%e6%84%8f%e6%80%9d\/\"><strong>\u4f9b\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%90%88%e8%82%a1-%e4%be%9b%e8%82%a1-%e6%8b%86%e8%82%a1-%e6%84%8f%e6%80%9d\/\"><strong>\u62c6\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7078\"><strong>\u725b\u5e02<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7078\"><strong>\u718a\u5e02<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%8f%9b-%e6%89%8b-%e7%8e%87-turnover-rate-%e6%84%8f%e6%80%9d\/\"><strong>\u63db\u624b\u7387<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%bb%91-%e6%9c%9f\/\"><strong>\u9ed1\u671f<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%81%86%e6%8c%87-%e6%81%92%e6%8c%87-%e6%b8%af%e8%82%a1-hsi-%e5%a4%9c%e6%9c%9f-adr-%e9%a0%90%e6%89%98%e8%ad%89%e5%88%b8\/\"><strong>\u591c\u671f<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%be%8e%e5%9c%8b-%e9%a0%90%e8%a8%97-%e8%ad%89%e5%88%b8-%e8%8b%b1%e6%96%87-adr-%e6%84%8f%e6%80%9d-%e5%83%b9%e6%a0%bc-%e6%b8%af%e8%82%a1-%e5%8f%83%e8%80%83-%e5%83%b9%e5%80%bc\/\"><strong>\u9810\u8a17\u8a3c\u5238<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%99%bc-%e9%88%94-%e9%8a%80%e8%a1%8c\/\"><strong>\u767c\u9214\u9280\u884c<\/strong><\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%82%a1%e7%a5%a8-%e5%81%9c%e7%89%8c\/\">\u80a1\u7968\u505c\u724c<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6700\u53d7\u6b61\u8fce\u7684\u6e2f\u80a1\u6708\u4f9b\u80a1\u7968<\/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\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-1024x576.png\" alt=\"\" class=\"wp-image-7376\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2025\/11\/\u6708-\u4f9b-\u80a1\u7968-\u6e2f\u80a1.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u91d1\u878d\u6a5f\u69cb\u5982<a href=\"https:\/\/bochk.etnet.com.hk\/content\/bochkweb\/tc\/hotpicklist.php?section=monthlystocks\">\u4e2d\u9280\u9999\u6e2f<\/a>\u3001<a href=\"https:\/\/www.facebook.com\/photo\/?fbid=5318234034962513&amp;set=a.580892508696713\">\u5bcc\u9014\u8b49\u5238<\/a>\u53ca<a href=\"https:\/\/www.chiefgroup.com.hk\/hk\/investment\/monthlyplan\">\u81f4\u5bcc\u8b49\u5238<\/a>\u4e0d\u6642\u90fd\u6703\u516c\u5e03\u6700\u71b1\u9580\u7684\u6708\u4f9b\u80a1\u7968\u6392\u884c\u699c\uff0c\u7576\u4e2d\u8907\u88fd\u4e26\u8ffd\u8e64\u6052\u751f\u6307\u6578\u7684\u56de\u5831\u548c\u6ce2\u5e45\u7684<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E7%82%BA%E7%94%9A%E9%BA%BC%E6%88%91%E5%80%91%E7%9A%84-syfe-%E6%8A%95%E8%B3%87%E7%B5%84%E5%90%88%E9%81%B8%E7%94%A8%E4%BA%A4%E6%98%93%E6%89%80%E8%B2%B7%E8%B3%A3%E5%9F%BA%E9%87%91-etf\/\">\u4ea4\u6613\u6240\u8cb7\u8ce3\u57fa\u91d1<\/a>\uff08ETF\uff09<a href=\"https:\/\/www.trahk.com.hk\/zh-hk\/trahk-fund\/\">\u76c8\u5bcc\u57fa\u91d1<\/a>\uff082800\uff09\u4f8b\u5fc5\u4e0a\u699c\uff0c\u800c\u8fd1\u671f\u500b\u5225<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E6%81%92%E7%94%9F-%E7%A7%91%E6%8A%80-%E6%8C%87%E6%95%B8-etf-%E6%88%90%E5%88%86%E8%82%A1\/\">\u79d1\u6307ETF<\/a>\uff0c\u4f8b\u5982\u5b89\u78a9\u6052\u751f\u79d1\u6280\uff083067\uff09\u4ea6\u6210\u70ba\u5176\u4e2d\u4e00\u500b\u71b1\u9580\u6708\u4f9b\u5c0d\u8c61\u3002<\/p>\n\n\n\n<p>\u6e2f\u80a1\u500b\u80a1\u65b9\u9762\uff0c\u5404\u500b\u699c\u55ae\u7684\u71b1\u9580\u6708\u4f9b\u80a1\u7968\u99965\u4f4d\u5e7e\u4e4e\u90fd\u662f\u85cd\u7c4c\u80a1\uff0c\u4f8b\u5982\u963f\u91cc\u5df4\u5df4\uff0d\uff37\uff089988\uff09\u3001\u4e2d\u570b\u9280\u884c\uff083988\uff09\u3001\u4e2d\u79fb\u52d5\uff08941\uff09\u3001\u9a30\u8a0a\uff08700\uff09\u7b49\u3002<\/p>\n\n\n\n<p>\u503c\u5f97\u7559\u610f\u7684\u662f\uff0c\u57282024\u5e74\u81f4\u5bcc\u8b49\u5238\u6708\u4f9b\u80a1\u7968\u8a08\u5283\u6392\u7b2c3\u7684\u9999\u6e2f\u96fb\u8a0a-SS\uff086823\uff09\u662f\u5c11\u6578\u7684\u975e\u85cd\u7c4c\u80a1\u3002\u622a\u81f311\u6708\u521d\uff0c\u5e02\u503c\u7d04850\u5104\u5143\u7684\u9999\u6e2f\u96fb\u8a0a-SS\u4ee5\u9ad8\u7a69\u5b9a\u6d3e\u606f\u898b\u7a31\uff0c\u540c\u6642\u70ba\u80a1\u50f9\u6ce2\u52d5\u6027\u8f03\u5c0f\u7684\u4f4eBate\u80a1\u4efd\uff0c\u696d\u52d9\u9ad8\u5ea6\u672c\u5730\u5316\uff0c\u4ee5\u96fb\u8a0a\u3001\u6d41\u52d5\u901a\u8a0a\u3001\u5bec\u983b\u548c\u672c\u5730\u4f01\u696d\u5ba2\u6236\u670d\u52d9\u70ba\u4e3b\uff0c\u6545\u88ab\u4fdd\u5b88\u578b\u3001\u5c0b\u6c42\u7a69\u5065\u56de\u5831\u53ca\u6297\u8dcc\u529b\u5f37\u7684\u6295\u8cc7\u8005\u9752\u775e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6700\u65b0\u88ab\u52d5\u6536\u5165\u9078\u64c7<\/strong><\/h3>\n\n\n\n<p>\u667a\u80fd\u6295\u8cc7\u5e73\u53f0<a href=\"https:\/\/www.syfe.com\/hk\">Syfe<\/a>\u57282023\u5e74\u958b\u59cb\u70ba\u9999\u6e2f\u5ba2\u6236\u65b0\u589e\u9580\u6abb\u4f4e\u3001\u64cd\u4f5c\u7c21\u55ae\u7684\u300c<a href=\"https:\/\/www.syfe.com\/hk\/income-plus\">Syfe\u6536\u606f\u5bf6<\/a>\u300d*\u6295\u8cc7\u7522\u54c1\uff0c\u70ba\u6295\u8cc7\u8005\u63d0\u4f9b\u6bcf\u6708\u7372\u5f97\u7a69\u5b9a\u73fe\u91d1\u6d41\u7684\u65b0\u9078\u64c7\uff0c\u5e74\u5316\u6536\u76ca\u7387\u75316.0%\u81f3\u9ad8\u90548.6%\u3002<\/p>\n\n\n\n<p>\u4e86\u89e3\u66f4\u591a\ufe30<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E4%BA%86%E8%A7%A3%E6%9B%B4%E5%A4%9A%E6%94%B6%E6%81%AF%E5%AF%B6\/#learn-more\">https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/\u4e86\u89e3\u66f4\u591a\u6536\u606f\u5bf6\/#learn-more<\/a><\/p>\n\n\n\n<p><sup>*\u6536\u606f\u5bf6\u6295\u8cc7\u7d44\u5408\u7684\u76ee\u6a19\u662f\u5728\u7576\u524d\u5e02\u5834\u74b0\u5883\u4e0b\u5be6\u73fe\u6bcf\u6708\u76ee\u6a19\u6d3e\u606f\u7bc4\u570d\u3002\u6536\u606f\u5bf6\u7121\u6cd5\u4fdd\u8b49\u6bcf\u6708\u76ee\u6a19\u6d3e\u606f\uff0c\u4e26\u53d7\u5e02\u5834\u56e0\u7d20\u5f71\u97ff\u3002\u904e\u53bb\u7684\u6d3e\u606f\u4e0d\u4e00\u5b9a\u4ee3\u8868\u672a\u4f86\uff0c\u4e26\u6709\u6a5f\u6703\u8abf\u4f4e\u3002\u6bcf\u6708\u6b63\u6578\u6d3e\u606f\u6216\u5206\u914d\u6536\u76ca\u7387\u4e26\u4e0d\u610f\u5473\u8457\u6b63\u7684\u56de\u5831\u3002<\/sup><\/p>\n\n\n\n<p><sup>\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<\/sup><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6708\u4f9b\u80a1\u7968\u662f\u5e73\u5747\u6210\u672c\u6cd5\uff08\u82f1\u6587\uff1aDollar Cost Averaging, DCA\uff09\u7684\u6700\u4f73\u5be6\u8e10\u4f8b\u5b50\uff0c\u5c24\u5176\u9069\u7528\u8cc7\u91d1\u6709\u9650\u7684\u6295\u8cc7\u5165\u9580\u65b0\u624b\u6216\u6709\u9577\u671f\u76ee\u6a19\uff08\u5982\u9000\u4f11\u898f\u5283\u6216\u5b50\u5973\u6559\u80b2\u57fa\u91d1\uff09\u7684\u6295\u8cc7\u8005\u3002\u672c\u6587\u6574\u7406\u9999\u6e2f\u591a\u9593\u4e3b\u8981\u9280\u884c\u53ca\u5238\u5546\u63d0\u4f9b\u7684\u6708\u4f9b\u80a1\u7968\u6295\u8cc7\u670d\u52d9\uff0c\u4e26\u7f85\u5217\u6700\u53d7\u9999\u6e2f\u4eba\u6b61\u8fce\u7684\u6708\u4f9b\u80a1\u7968\u53ca\u5fc5\u9808\u8003\u91cf\u7684\u98a8\u96aa\u56e0\u7d20\u3002<\/p>\n","protected":false},"author":46,"featured_media":7370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[24],"tags":[295,298,134,300,270,269],"class_list":{"0":"post-7369","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-syfe","8":"tag-295","9":"tag-298","10":"tag-134","11":"tag-300","12":"tag-270","13":"tag-269"},"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":"<!-- 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DCA\uff09\u7684\u6700\u4f73\u5be6\u8e10\u4f8b\u5b50\uff0c\u5c24\u5176\u9069\u7528\u8cc7\u91d1\u6709\u9650\u7684\u6295\u8cc7\u5165\u9580\u65b0\u624b\u6216\u6709\u9577\u671f\u76ee\u6a19\uff08\u5982\u9000\u4f11\u898f\u5283\u6216\u5b50\u5973\u6559\u80b2\u57fa\u91d1\uff09\u7684\u6295\u8cc7\u8005\u3002\u672c\u6587\u6574\u7406\u9999\u6e2f\u591a\u9593\u4e3b\u8981\u9280\u884c\u53ca\u5238\u5546\u63d0\u4f9b\u7684\u6708\u4f9b\u80a1\u7968\u6295\u8cc7\u670d\u52d9\uff0c\u4e26\u7f85\u5217\u6700\u53d7\u9999\u6e2f\u4eba\u6b61\u8fce\u7684\u6708\u4f9b\u80a1\u7968\u53ca\u5fc5\u9808\u8003\u91cf\u7684\u98a8\u96aa\u56e0\u7d20\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\/%e6%9c%88-%e4%be%9b-%e8%82%a1%e7%a5%a8\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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