{"id":9095,"date":"2026-06-26T01:20:48","date_gmt":"2026-06-25T17:20:48","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=9095"},"modified":"2026-06-22T12:00:08","modified_gmt":"2026-06-22T04:00:08","slug":"%e6%87%b6%e4%ba%ba%e5%9f%ba%e9%87%91-%e5%bc%b7-%e7%a9%8d-%e9%87%91-%e6%8a%95%e8%b3%87-%e7%ad%96%e7%95%a5-%e5%a5%bd-%e5%a3%9e","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%87%b6%e4%ba%ba%e5%9f%ba%e9%87%91-%e5%bc%b7-%e7%a9%8d-%e9%87%91-%e6%8a%95%e8%b3%87-%e7%ad%96%e7%95%a5-%e5%a5%bd-%e5%a3%9e\/","title":{"rendered":"\u9000\u4f11\u6e96\u5099\uff5c\u5f37\u7a4d\u91d1\u61f6\u4eba\u57fa\u91d1\u662f\u4ec0\u9ebc?\u89e3\u8aaaDIS\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u6a5f\u5236"},"content":{"rendered":"\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\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-1024x576.png\" alt=\"\" class=\"wp-image-9096\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/06\/\u61f6\u4eba\u57fa\u91d1-\u5f37-\u7a4d-\u91d1-\u6295\u8cc7-\u7b56\u7565.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u9999\u6e2f\u7684\u5f37\u7a4d\u91d1\u5236\u5ea6\u81ea2000\u5e7412\u6708\u5be6\u65bd\u4ee5\u4f86\uff0c\u5df2\u7d2f\u7a4d\u903e25\u5e74\u904b\u4f5c\u7d93\u9a57\uff0c\u70ba\u63a5\u8fd1\u5168\u6578\u5728\u8077\u4eba\u58eb\u63d0\u4f9b\u57fa\u672c\u7684\u9000\u4f11\u4fdd\u969c\u3002\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e4b\u4e2d\uff0c\u4fd7\u7a31\u300c\u61f6\u4eba\u57fa\u91d1\u300d\u7684\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\uff08\u82f1\u6587\uff1aDefault Investment Strategy, \u7c21\u7a31\uff1aDIS\uff09\u5df2\u6210\u70ba\u6700\u53d7\u6b61\u8fce\u7684\u9078\u64c7\u4e4b\u4e00\u3002\u64da\u5c40\u65b9<a href=\"https:\/\/www.mpfa.org.hk\/-\/media\/files\/mpfa\/corporate-events\/media-and-stakeholder-activities\/mpf-viewpoint\/MPF-Viewpoint-No-19.pdf\">\u62ab\u9732<\/a>\uff0c\u622a\u81f32025\u5e749\u6708\u4efd\u6709\u8d85\u904e360\u842c\u500b\u5f37\u7a4d\u91d1\u5e33\u6236\u6295\u8cc7\u65bcDIS\u65d7\u4e0b\u57fa\u91d1\uff0c\u4f54\u5168\u90e81,132\u842c\u500b\u5f37\u7a4d\u91d1\u5e33\u6236\u8fd1\u4e09\u5206\u4e4b\u4e00\u3002\u672c\u6587\u5c07\u6df1\u5165\u89e3\u8aaaDIS\u7684\u904b\u4f5c\u539f\u7406\u3001\u6295\u8cc7\u6a5f\u5236\u3001\u6536\u8cbb\u7d50\u69cb\u53ca\u6b77\u53f2\u8868\u73fe\uff0c\u70ba\u5728\u8077\u4eba\u58eb\u63d0\u4f9b\u5168\u9762\u7684\u5f37\u7a4d\u91d1\u6295\u8cc7\u53c3\u8003\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-51ae65f8      \"\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=\"#\u61f6\u4eba\u57fa\u91d1\u51fa\u73fe\u7684\u7406\u7531\" class=\"uagb-toc-link__trigger\">\u300c\u61f6\u4eba\u57fa\u91d1\u300d\u51fa\u73fe\u7684\u7406\u7531<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u96d9\u57fa\u91d1\u67b6\u69cb\u53ca\u964d\u96aa\u6a5f\u5236\" class=\"uagb-toc-link__trigger\">\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u96d9\u57fa\u91d1\u67b6\u69cb\u53ca\u964d\u96aa\u6a5f\u5236<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u61f6\u4eba\u57fa\u91d1\u6838\u5fc3\u7d2f\u7a4d\u57fa\u91d1\u662f\u4ec0\u9ebc\" class=\"uagb-toc-link__trigger\">\u61f6\u4eba\u57fa\u91d1\uff5c\u6838\u5fc3\u7d2f\u7a4d\u57fa\u91d1\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u597d\u8655\" class=\"uagb-toc-link__trigger\">\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u597d\u8655<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u81ea\u52d5\u96a8\u5e74\u9f61\u964d\u4f4e\u98a8\u96aa\" class=\"uagb-toc-link__trigger\">\u81ea\u52d5\u96a8\u5e74\u9f61\u964d\u4f4e\u98a8\u96aa<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u61f6\u4eba\u57fa\u91d1\u6536\u8cbb\u4e0a\u9650\u70ba085\" class=\"uagb-toc-link__trigger\">\u61f6\u4eba\u57fa\u91d1\u6536\u8cbb\u4e0a\u9650\u70ba0.85\uff05<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u61f6\u4eba\u57fa\u91d1\u6b77\u53f2\u8868\u73fe\u8dd1\u8d0f\u901a\u8139\" class=\"uagb-toc-link__trigger\">\u61f6\u4eba\u57fa\u91d1\u6b77\u53f2\u8868\u73fe\u8dd1\u8d0f\u901a\u8139<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u58de\u8655\" class=\"uagb-toc-link__trigger\">\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u58de\u8655<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u5f37\u7a4d\u91d1\u5206\u914d\u4e0d\u6703\u8003\u616e\u500b\u5225\u6210\u54e1\u60c5\u6cc1\" class=\"uagb-toc-link__trigger\">\u5f37\u7a4d\u91d1\u5206\u914d\u4e0d\u6703\u8003\u616e\u500b\u5225\u6210\u54e1\u60c5\u6cc1<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u61f6\u4eba\u57fa\u91d1\u5c6c\u6df7\u5408\u8cc7\u7522\u57fa\u91d1-\u4e0d\u63d0\u4f9b\u56de\u5831\u4fdd\u8b49\" class=\"uagb-toc-link__trigger\">\u61f6\u4eba\u57fa\u91d1\u5c6c\u6df7\u5408\u8cc7\u7522\u57fa\u91d1 \u4e0d\u63d0\u4f9b\u56de\u5831\u4fdd\u8b49<\/a><\/ul><\/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\">\u300c\u61f6\u4eba\u57fa\u91d1\u300d\u51fa\u73fe\u7684\u7406\u7531<\/h2>\n\n\n\n<p>\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u65bc2017\u5e744\u67081\u65e5\u6b63\u5f0f\u63a8\u51fa\uff0c\u662f\u5f37\u7a4d\u91d1\u5236\u5ea6\u7684\u4e00\u9805\u91cd\u5927\u6539\u9769\u3002\u5728DIS\u63a8\u51fa\u4e4b\u524d\uff0c\u82e5\u8a08\u5283\u6210\u54e1\u6c92\u6709\u4e3b\u52d5\u4f5c\u51fa\u6295\u8cc7\u9078\u64c7\uff0c\u5176\u4f9b\u6b3e\u6703\u81ea\u52d5\u88ab\u6295\u8cc7\u65bc\u5f37\u7a4d\u91d1\u4fdd\u5b88\u57fa\u91d1\uff0c\u9019\u985e\u57fa\u91d1\u7684\u56de\u5831\u666e\u904d\u504f\u4f4e\uff0c\u9577\u671f\u4e0b\u4f86\u96e3\u4ee5\u6709\u6548\u7d2f\u7a4d\u9000\u4f11\u5132\u5099\u3002<\/p>\n\n\n\n<p>\u7a4d\u91d1\u5c40\u5728\u8a2d\u8a08DIS\u6642\u53c3\u8003\u4e86\u7d93\u6fdf\u5408\u4f5c\u66a8\u767c\u5c55\u7d44\u7e54\uff08Organisation for Economic Co-operation and Development, OECD\uff09\u7684\u5c08\u5bb6\u610f\u898b\uff0c\u65e8\u5728\u89e3\u6c7a\u5169\u5927\u75db\u9ede\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u5f37\u7a4d\u91d1\u57fa\u91d1\u9078\u64c7\u56f0\u96e3\uff0c\u4e0d\u5c11\u8a08\u5283\u6210\u54e1\u56e0\u7f3a\u4e4f\u6295\u8cc7\u77e5\u8b58\u6216\u6642\u9593\u800c\u7121\u6cd5\u59a5\u5584\u7ba1\u7406\u5f37\u7a4d\u91d1<\/li>\n\n\n\n<li>\u90e8\u5206\u57fa\u91d1\u6536\u8cbb\u504f\u9ad8\uff0c\u5f71\u97ff\u9577\u671f\u6de8\u56de\u5831<\/li>\n<\/ol>\n\n\n\n<p>\u6839\u64da\u300a<a href=\"https:\/\/www.elegislation.gov.hk\/hk\/cap485!zh-Hant-HK\">\u5f37\u5236\u6027\u516c\u7a4d\u91d1\u8a08\u5283\u689d\u4f8b<\/a>\u300b\uff0c\u81ea2017\u5e744\u67081\u65e5\u8d77\uff0c\u5168\u6e2f\u6240\u6709\u5f37\u7a4d\u91d1\u8a08\u5283\u5fc5\u9808\u5404\u81ea\u63d0\u4f9b\u4e00\u500bDIS\u61f6\u4eba\u57fa\u91d1\u9078\u9805\u3002\u82e5\u8a08\u5283\u6210\u54e1\u6c92\u6709\u5411\u53d7\u8a17\u4eba\u7d66\u4e88\u6295\u8cc7\u6307\u793a\uff0c\u53d7\u8a17\u4eba\u4fbf\u6703\u81ea\u52d5\u5c07\u5176\u5e33\u6236\u5167\u7684\u5f37\u7a4d\u91d1\u6309DIS\u9032\u884c\u6295\u8cc7\u3002\u540c\u6642\uff0c\u6240\u6709\u8a08\u5283\u6210\u54e1\u4ea6\u53ef\u4e3b\u52d5\u9078\u7528DIS\uff0c\u6216\u7368\u7acb\u6295\u8cc7\u65bcDIS\u65d7\u4e0b\u7684\u6210\u5206\u57fa\u91d1\u3002<\/p>\n\n\n\n<p>\u66f4\u591a\u9000\u4f11\u76f8\u95dc\u7406\u8ca1\u8cc7\u8a0a\uff1a<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%80%80%e4%bc%91-%e4%b8%89%e5%af%b6\/\">\u9000\u4f11\u4e09\u5bf6<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af%e5%b9%b4%e9%87%91%e8%87%aa%e8%a3%bd%e9%95%b7%e7%b3%a7%e6%96%b0%e5%84%aa%e6%83%a0-%e5%a6%82%e4%bd%95%e5%9c%a8%e9%80%80%e4%bc%91%e6%99%82%e5%bb%ba%e6%a7%8b%e5%85%a8%e9%9d%a2%e8%a2%ab\/\">\u5e74\u91d1<\/a>\uff5c<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>\uff5c<a href=\"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\/\">\u88ab\u52d5\u6536\u5165<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e4%b8%ad%e5%9c%8b-%e5%85%a7%e5%9c%b0-%e9%81%ba%e7%94%a2%e7%a8%85\/\">\u907a\u7522\u7a05<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%94%b6%e6%81%af-%e6%b4%be%e6%81%af-%e5%82%b5%e5%88%b8-%e5%9f%ba%e9%87%91\/\">\u6d3e\u606f\u57fa\u91d1<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%b9%b3%e5%ae%89%e7%b4%99-%e9%81%ba%e5%9b%91-%e8%8b%b1%e6%96%87-%e6%94%b6%e8%b2%bb-%e5%85%8d%e8%b2%bb\/\">\u5e73\u5b89\u7d19<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u96d9\u57fa\u91d1\u67b6\u69cb\u53ca\u964d\u96aa\u6a5f\u5236<\/h3>\n\n\n\n<p>DIS\u61f6\u4eba\u57fa\u91d1\u7531\u5169\u500b\u6df7\u5408\u8cc7\u7522\u57fa\u91d1\u7d44\u6210\uff0c\u5206\u5225\u662f\u6838\u5fc3\u7d2f\u7a4d\u57fa\u91d1\uff08\u82f1\u6587\uff1aCore Accumulation Fund, \u7c21\u7a31\uff1aCAF\uff09\u53ca65\u6b72\u5f8c\u57fa\u91d1\uff08\u82f1\u6587\uff1aAge 65 Plus Fund, \u7c21\u7a31\uff1aA65F\uff09\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u61f6\u4eba\u57fa\u91d1\uff5c\u6838\u5fc3\u7d2f\u7a4d\u57fa\u91d1\u662f\u4ec0\u9ebc\uff1f<\/h4>\n\n\n\n<p>\u6838\u5fc3\u7d2f\u7a4d\u57fa\u91d1\u7d04\u670960%\u7684\u8cc7\u7522\u6295\u8cc7\u65bc\u98a8\u96aa\u8f03\u9ad8\u7684\u74b0\u7403\u80a1\u7968\uff0c\u5176\u9918\u7d0440%\u6295\u8cc7\u65bc\u98a8\u96aa\u8f03\u4f4e\u7684\u74b0\u7403\u50b5\u5238\u53ca\u8ca8\u5e63\u5e02\u5834\u5de5\u5177\uff0c\u4e3b\u8981\u76ee\u6a19\u662f\u5728\u6210\u54e1\u5e74\u8f15\u6642\u722d\u53d6\u8f03\u9ad8\u7684\u8cc7\u672c\u589e\u503c\u300265\u6b72\u5f8c\u57fa\u91d1\u5247\u7d04\u670920%\u6295\u8cc7\u65bc\u74b0\u7403\u80a1\u7968\uff0c\u7d0480%\u6295\u8cc7\u65bc\u74b0\u7403\u50b5\u5238\u53ca\u8ca8\u5e63\u5e02\u5834\u5de5\u5177\uff0c\u76ee\u7684\u662f\u5728\u6210\u54e1\u63a5\u8fd1\u9000\u4f11\u5e74\u9f61\u6642\u63d0\u4f9b\u8f03\u7a69\u5b9a\u7684\u56de\u5831\u4e26\u964d\u4f4e\u6ce2\u52d5\u98a8\u96aa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9810\u8a2d\u6295\u8cc7\u7b56\u7565\u597d\u8655<\/h2>\n\n\n\n<h3 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