{"id":10514,"date":"2021-09-03T16:30:00","date_gmt":"2021-09-03T16:30:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=10514"},"modified":"2026-04-30T09:48:20","modified_gmt":"2026-04-30T09:48:20","slug":"living-paycheck-to-paycheck-how-to-stop-2","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/living-paycheck-to-paycheck-how-to-stop-2","title":{"rendered":"\u64fa\u812b\u6708\u5149\u65cf\uff01\u62c6\u89e3\u9999\u6e2f\u6708\u5149\u65cf\u5b9a\u7fa9\u3001\u539f\u56e0\u53ca5\u62db\u7121\u75db\u5132\u84c4\u6cd5"},"content":{"rendered":"\n<p>\u5728\u751f\u6d3b\u6210\u672c\u6975\u9ad8\u7684\u9999\u6e2f\uff0c\u6708\u5149\u65cf\u5df2\u662f\u4e0d\u5c11\u6253\u5de5\u4ed4\u7684\u7121\u5948\u5beb\u7167\u3002\u4e0d\u8ad6\u662f\u8077\u5834\u65b0\u9bae\u4eba\uff0c\u9084\u662f\u6708\u5165\u6578\u842c\u7684\u4e2d\u7522\u4eba\u58eb\uff0c\u82e5\u4e0d\u4e86\u89e3\u6708\u5149\u65cf\u5b9a\u7fa9\u53ca\u539f\u56e0\uff0c\u5f88\u5bb9\u6613\u9677\u5165\u300c\u8cfa\u5f97\u591a\u3001\u82b1\u66f4\u591a\u300d\u7684\u8ca1\u52d9\u56f0\u5883\uff0c\u66f4\u96e3\u4ee5\u64fa\u812b\u6708\u5149\u65cf\u8eab\u4efd\u3002<\/p>\n\n\n\n<p>\u6708\u5149\u65cf\u53ef\u4ee5\u5982\u4f55\u6539\u8b8a\u7406\u8ca1\u7fd2\u6163\uff1f<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/financial-tips\/\">Blue\u7406\u8ca1\u9054\u4eba<\/a>\u65e9\u524d\u66fe\u70ba\u5404\u7406\u8ca1\u65b0\u624b\u63d0\u4f9b\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/ways-invest-with-small-amount-of-money\">\u5b78\u751f\u7406\u8ca1\u5165\u9580\uff1a\u5c0f\u984d\u6295\u8cc7\u5c0f\u8cbc\u58eb<\/a>\u300b\u53ca\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/investment-financial-tools-for-beginners\">\u65b0\u624b\u6295\u8cc7\u5165\u9580\u61f6\u4eba\u5305<\/a>\u300b\uff0c\u4eca\u6b21\u6211\u5011\u5c07\u5206\u67905\u500b\u6708\u5149\u65cf\u7684\u7406\u8ca1\u81f4\u547d\u50b7\uff0c\u4e26\u63d0\u4f9b5\u500b\u5efa\u7acb\u5b58\u9322\u7fd2\u6163\u7684\u65b9\u6cd5\uff0c\u52a9\u4f60\u5f9e\u300c\u6708\u6708\u6e05\u300d\u8f49\u8b8a\u70ba\u7a69\u5b9a\u5132\u84c4\u7684\u7406\u8ca1\u9054\u4eba\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9999\u6e2f\u6708\u5149\u65cf\u5b9a\u7fa9\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u9999\u6e2f\u6708\u5149\u65cf\u5b9a\u7fa9\u662f\u6307\u6bcf\u6708\u6536\u5165\u5e7e\u4e4e\u5168\u90e8\u7528\u76e1\u3001\u6708\u5e95\u7121\u7d50\u9918\u3001\u7121\u6cd5\u7d2f\u7a4d\u5132\u84c4\u7684\u4eba\u7fa4\u3002\u5728\u9999\u6e2f\u5c24\u5176\u5e38\u898b\uff0c\u56e0\u9ad8\u6602\u6a13\u79df\uff0c\u52a0\u4e0a\u98f2\u98df\u4ea4\u901a\u7b49\u57fa\u672c\u9700\u6c42\uff0c\u5df2\u8017\u76e1\u5927\u90e8\u5206\u85aa\u91d1\u3002\u6839\u64da2024\u5e74\u7d71\u8a08\uff0c43%\u7684\u9999\u6e2f\u4e0a\u73ed\u65cf\u70ba\u6708\u5149\u65cf\uff0c23%\u6bcf\u6708\u5165\u4e0d\u6577\u51fa[1]\u30022025\u5e74\u53d7\u901a\u8139\u5f71\u97ff\uff0c\u7d0476%\u8077\u5834\u65b0\u4eba\u7121\u6cd5\u6709\u6548\u5132\u84c4[2]\uff0c\u540c\u6642\u6253\u591a\u4efd\u5de5\u4ecd\u96e3\u812b\u56f0\u3002\u6b64\u73fe\u72c0\u4e0d\u50c5\u963b\u7919\u61c9\u4ed8\u7a81\u767c\u958b\u652f\uff0c\u9084\u6613\u9677\u50b5\u52d9\u5faa\u74b0\uff0c\u53cd\u6620\u9999\u6e2f\u9ad8\u6d88\u8cbb\u74b0\u5883\u4e0b\u300c\u6708\u6708\u6e05\u300d\u7684\u751f\u5b58\u6311\u6230\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u70ba\u4ec0\u9ebc\u4eba\u5de5\u591a\u90fd\u5b58\u4e0d\u5230\u9322\uff1f\u5256\u67905\u5927\u6708\u5149\u65cf\u539f\u56e0<\/h2>\n\n\n\n<p>\u6708\u85aa\u898b\u5e95\u4e26\u4e0d\u9650\u65bc\u4f4e\u6536\u5165\u4eba\u58eb\uff0c\u4e0d\u5c11\u9ad8\u6536\u5165\u4eba\u58eb\u4ea6\u6703\u9677\u5165\u8ca1\u52d9\u5371\u6a5f\uff0c\u9019\u901a\u5e38\u8207\u7406\u8ca1\u7fd2\u6163\u53ca\u6d88\u8cbb\u5fc3\u7406\u6548\u61c9\u6709\u95dc\uff0c\u800c\u975e\u6536\u5165\u591a\u5be1\u6709\u95dc\u3002\u4ee5\u4e0b\u70ba\u5927\u5bb6\u5256\u6790\u6210\u70ba\u6708\u5149\u65cf\u76845\u5927\u539f\u56e0\uff0c\u52a9\u4f60\u638c\u63e1\u6d88\u8cbb\u9677\u9631\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9ad8\u6602\u751f\u6d3b\u6210\u672c\u53ca\u300c\u53ca\u6642\u884c\u6a02\u300d\u5fc3\u614b\uff1a<\/strong>\u9999\u6e2f\u79df\u91d1\u6a13\u50f9\u9ad8\u4f01\uff0c\u5149\u4f4f\u5c4b\u958b\u652f\u4fbf\u4f5439%[3]\uff0c\u4f7f\u57fa\u672c\u958b\u652f\u5df2\u4f54\u6536\u5165\u5f88\u5927\u6bd4\u4f8b\uff0c\u5c0e\u81f4\u65b0\u9bae\u4eba\u653e\u68c4\u9577\u9060\u7406\u8ca1\uff0c\u8f49\u5411\u512a\u5148\u6eff\u8db3\u773c\u524d\u6b32\u671b\u3002<\/li>\n\n\n\n<li><strong>\u793e\u4ea4\u5a92\u9ad4\u53ca\u540c\u8f29\u58d3\u529b\uff1a<\/strong>\u53d7\u793e\u4ea4\u5e73\u53f0\u5c55\u793a\u7684\u6253\u5361\u7f8e\u98df\u53ca\u6f6e\u6d41\u7a7f\u642d\u5f71\u97ff\uff0c\u70ba\u4e86\u7dad\u6301\u7cbe\u7dfb\u7684\u751f\u6d3b\u5f62\u8c61\u800c\u76f2\u76ee\u8ddf\u98a8\uff0c\u5373\u4fbf\u662f\u9ad8\u6536\u5165\u4eba\u58eb\uff0c\u4ea6\u5bb9\u6613\u9677\u5165\u5165\u4e0d\u6577\u51fa\u7684\u8ca1\u52d9\u56f0\u5883\u3002<\/li>\n\n\n\n<li><strong>\u7f3a\u4e4f\u7406\u8ca1\u898f\u5283\uff1a<\/strong>\u7121\u6536\u652f\u9810\u7b97\u53ca\u5132\u84c4\u76ee\u6a19\uff0c\u53ea\u61c9\u4ed8\u7576\u671f\u5e33\u55ae\uff0c\u8cc7\u91d1\u6d41\u5411\u4e0d\u660e\u5c0e\u81f4\u652f\u51fa\u5931\u63a7\u3002<\/li>\n\n\n\n<li><strong>\u885d\u52d5\u6d88\u8cbb\u58de\u7fd2\u6163\uff1a<\/strong>\u901b\u8d85\u5e02\u8cfc\u8cb7\u7279\u50f9\u54c1\u3001\u983b\u7e41\u4f9d\u8cf4\u4fe1\u7528\u5361\u6216\u96fb\u5b50\u9322\u5305\u6d88\u8cbb\u537b\u5f9e\u4e0d\u8a18\u5e33\uff0c\u5bb6\u4e2d\u4e0d\u65b7\u7d2f\u7a4d\u7684\u96dc\u7269\uff0c\u53cd\u6620\u51fa\u7121\u7bc0\u5236\u7684\u8cfc\u8cb7\u617e\u3002<\/li>\n\n\n\n<li><strong>\u7121\u88ab\u52d5\u6536\u5165\u77e5\u8b58\uff1a<\/strong>\u9999\u6e2f\u6708\u5149\u65cf\u4f9d\u8cf4\u55ae\u4e00\u85aa\u6c34\u4f86\u6e90\uff0c\u4e14\u7f3a\u4e4f\u5275\u9020\u984d\u5916\u6536\u5165\u7684\u610f\u8b58\u6216\u77e5\u8b58\u3002\u7576\u9047\u4e0a\u901a\u8139\u6216\u7dca\u6025\u958b\u652f\u6642\uff0c\u5bb9\u6613\u6f14\u8b8a\u6210\u300c\u6708\u6b20\u65cf\u300d\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6108\u6d88\u8cbb\u6108\u5feb\u6a02\uff1f\u7559\u610f5\u500b\u6d88\u8cbb\u5fc3\u7406\u6548\u61c9<\/strong><\/h3>\n\n\n\n<p>\u9664\u4e86\u4e0a\u8ff0\u8ca1\u52d9\u7fd2\u6163\uff0c\u6708\u5149\u65cf\u5f80\u5f80\u6703\u53d7\u5230\u5fc3\u7406\u6548\u61c9\u5f71\u97ff\uff0c\u4f7f\u82b1\u9322\u8b8a\u5f97\u9ebb\u6728\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5b9a\u9328\u6548\u61c9\uff08Anchoring Effect\uff09\uff1a<\/strong>\u88ab\u5546\u6236\u7684\u300c\u539f\u50f9\u300d\u8aa4\u5c0e\uff0c\u5c07\u6298\u6263\u50f9\u8996\u70ba\u7701\u9322\uff0c\u5be6\u5247\u5ffd\u7565\u4e86\u5c0d\u5546\u54c1\u7684\u771f\u5be6\u9700\u6c42\uff0c\u5c0e\u81f4\u70ba\u4e86\u300c\u5212\u7b97\u300d\u800c\u9032\u884c\u4e0d\u5fc5\u8981\u6d88\u8cbb\u3002<\/li>\n\n\n\n<li><strong>\u5ef6\u9072\u734e\u52f5\u6298\u6263\uff08DRD\uff09\uff1a<\/strong>\u8ffd\u6c42\u5373\u6642\u5feb\u6a02\u7684\u885d\u52d5\u5fc3\u7406\u3002\u5373\u4f7f\u660e\u77e5\u7522\u54c1\u672a\u4f86\u6703\u964d\u50f9\uff0c\u4ecd\u56e0\u7121\u6cd5\u7b49\u5f85\u6298\u6263\uff0c\u5be7\u53ef\u9078\u64c7\u73fe\u6642\u652f\u4ed8\u9ad8\u50f9\u4f86\u63db\u53d6\u7576\u4e0b\u7684\u6eff\u8db3\u611f\u3002<\/li>\n\n\n\n<li><strong>\u6c89\u6c92\u6210\u672c\u6548\u61c9\uff08Sunk Cost Effects\uff09\uff1a<\/strong>\u56e0\u300c\u4e0d\u60f3\u6d6a\u8cbb\u300d\u5df2\u4ed8\u51fa\u7684\u91d1\u9322\uff0c\u800c\u6301\u7e8c\u70ba\u932f\u8aa4\u7684\u6d88\u8cbb\u9032\u884c\u88dc\u6551\uff08\u5982\u70ba\u4e86\u642d\u914d\u4e00\u96d9\u4e0d\u5408\u9069\u7684\u978b\u800c\u8cb7\u66f4\u591a\u8863\u670d\uff09\uff0c\u5c0e\u81f4\u652f\u51fa\u50cf\u6efe\u96ea\u7403\u822c\u64f4\u5927\u3002<\/li>\n\n\n\n<li><strong>\u793e\u6703\u4fc3\u9032\u6548\u61c9\uff08Social Facilitation\uff09\uff1a<\/strong>\u53d7\u670b\u8f29\u6216\u8cfc\u7269\u4eba\u6f6e\u5f71\u97ff\uff0c\u8aa4\u8a8d\u70ba\u300c\u6d88\u8cbb\u662f\u5408\u7406\u7684\u300d\u3002\u5728\u7f3a\u4e4f\u4e3b\u898b\u4e0b\uff0c\u5bb9\u6613\u96a8\u6ce2\u9010\u6d41\uff0c\u900f\u904e\u8cfc\u7269\u4f86\u878d\u5165\u793e\u6703\u60c5\u5883\u3002<\/li>\n\n\n\n<li><strong>\u7a00\u5c11\u6027\u539f\u5247\uff08The Scarcity Principle\uff09\uff1a<\/strong>\u6613\u53d7\u300c\u9650\u91cf\u300d\u3001\u300c\u6700\u5f8c\u4eca\u5929\u300d\u7b49\u71df\u92b7\u8853\u8a9e\u5f71\u97ff\uff0c\u7522\u751f\u932f\u5931\u6050\u61fc\u611f\uff08FOMO\uff09\uff0c\u8aa4\u5c07\u6bcf\u4ef6\u5546\u54c1\u90fd\u8996\u70ba\u6700\u5f8c\u4e00\u4ef6\u800c\u885d\u52d5\u6436\u8cfc\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u7cbe\u7dfb\u7aae vs 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class=\"wp-block-heading\"><strong>\u5982\u4f55\u64fa\u812b\u6708\u5149\u65cf\uff1f5\u500b\u7406\u8ca1\u7fd2\u6163\u8f15\u9b06\u7d2f\u7a4d\u5132\u84c4<\/strong><\/h2>\n\n\n\n<p>\u5982\u4f55\u5f37\u8feb\u81ea\u5df1\u6bcf\u500b\u6708\u5132\u9322\uff1f\u4e86\u89e3\u5b8c\u6708\u5149\u65cf\u7684\u5b9a\u7fa9\u53ca\u6d88\u8cbb\u81f4\u547d\u50b7\u5f8c\uff0c\u65cf\u4eba\u5011\u53ef\u4ee5\u53c3\u8003\u4ee5\u4e0b5\u500b\u7406\u8ca1\u7fd2\u6163\uff0c\u6162\u6162\u7d2f\u7a4d\u500b\u4eba\u5132\u84c4\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.&nbsp;\u6539\u8b8a\u6d88\u8cbb\u6a21\u5f0f<\/strong><\/h3>\n\n\n\n<p>\u6708\u5149\u65cf\u7684\u7406\u8ca1\u601d\u7dad\u5728\u65bc\u904e\u5206\u8457\u773c\u65bc\u5373\u6642\u7684\u4eab\u53d7\uff0c\u5c0d\u672a\u4f86\u9577\u9060\u7684\u898f\u5283\u4e26\u7121\u6253\u7b97\uff0c\u56e0\u800c\u5ffd\u7565\u5132\u84c4\u7684\u91cd\u8981\u6027\uff1b\u4ed6\u5011\u4ea6\u4ee5\u8ffd\u6c42\u6f6e\u6d41\u70ba\u4e2d\u5fc3\uff0c\u7269\u8cea\u81f3\u4e0a\u3002\u82e5\u8981\u6212\u6389\u9019\u7a2e\u6d88\u8cbb\u7fd2\u6163\uff0c\u4fbf\u9700\u7531\u89c0\u5ff5\u958b\u59cb\u8457\u624b\u6539\u8b8a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>6\/3\/1\u6cd5\u5247\uff1a<\/strong>\u5c07\u6536\u5165\u5206\u70ba60%\u57fa\u672c\u751f\u6d3b\u300130%\u5132\u84c4\u53ca\u6295\u8cc7\u300110%\u5a1b\u6a02\u6d88\u8cbb\u3002\u80fd\u78ba\u4fdd\u5728\u4eab\u53d7\u751f\u6d3b\u7684\u540c\u6642\uff0c\u4ecd\u6709\u5132\u84c4\u9032\u5ea6\u3002\u5206\u914d\u6536\u5165\u6642\uff0c\u53ef\u4ee5\u5148\u5c07\u56fa\u5b9a\u958b\u652f\u5217\u51fa\uff0c\u66f4\u4fbf\u65bc\u8a08\u7b97\u5269\u9918\u81ea\u7531\u958b\u652f\u3002<\/li>\n\n\n\n<li><strong>\u6212\u6389\u885d\u52d5\u5f0f\u6d88\u8cbb\uff1a<\/strong>\u6bcf\u51e1\u8cfc\u7269\u4ed8\u6b3e\u524d\uff0c\u82b1\u6578\u5206\u9418\u6642\u9593\u8003\u616e\u6e05\u695a\u81ea\u5df1\u662f\u5426\u771f\u7684\u6709\u300c\u9700\u8981\u300d\uff0c\u6291\u6216\u53ea\u662f\u300c\u60f3\u8981\u300d\u3002\u5373\u4f7f\u767c\u73fe\u5fc3\u982d\u597d\u4e5f\u8981\u5f37\u5236\u81ea\u5df1\u8003\u616e\u6578\u5c0f\u6642\uff0c\u751a\u81f3\u662f\u6578\u5929\u624d\u518d\u4f5c\u8cfc\u8cb7\u6c7a\u5b9a\u3002<\/li>\n\n\n\n<li><strong>\u56b4\u8b39\u63a7\u5236\u9810\u8a08\uff1a<\/strong>\u5047\u5982\u5df2\u6c7a\u5b9a\u8cfc\u8cb7\u67d0\u7a2e\u7269\u54c1\uff0c\u4f60\u61c9\u5148\u70ba\u8a72\u7b46\u4f7f\u8cbb\u5b9a\u4e0b\u9810\u7b97\uff0c\u518d\u67e5\u770b\u4e0d\u540c\u5546\u6236\u7684\u50f9\u683c\uff0c\u8ca8\u6bd4\u4e09\u5bb6\uff0c\u4ee5\u66ff\u4ee3\u54c1\u53d6\u4ee3\u50f9\u683c\u8d85\u51fa\u9810\u7b97\u7684\u5546\u54c1\u3002<\/li>\n\n\n\n<li><strong>\u70ba\u81ea\u5df1\u7684\u6d88\u8cbb\u4f5c\u8a18\u9304\uff1a<\/strong>\u6aa2\u8996\u81ea\u5df1\u7684\u80fd\u529b\u8207\u652f\u51fa\u662f\u5426\u5728\u9810\u7b97\u4e4b\u5167\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4ee5\u4e0a\u90fd\u662f\u4e00\u4e9b\u6709\u52a9\u64fa\u812b\u6708\u5149\u65cf\u7684\u65b9\u6cd5\uff0c\u91cd\u9ede\u5728\u65bc\u6301\u4e4b\u4ee5\u6046\u4ee5\u53ca\u81ea\u5f8b\u5fcd\u8010\uff0c\u5f9e\u885d\u52d5\u82b1\u8cbb\u8b8a\u70ba\u7cbe\u660e\u6d88\u8cbb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u5efa\u7acb\u7dca\u6025\u9810\u5099\u91d1<\/h3>\n\n\n\n<p>\u5728\u9999\u6e2f\u751f\u6d3b\uff0c\u5efa\u8b70\u6700\u597d\u5132\u50993\u81f36\u500b\u6708\u7684\u751f\u6d3b\u57fa\u672c\u958b\u652f\u4f5c\u70ba\u7dca\u6025\u9810\u5099\u91d1\u3002\u5982\u679c\u6bcf\u500b\u6708\u958b\u652f\u662fHK$15,000\uff08\u5982\u5305\u62ec\u623f\u79df\u3001\u98df\u5bbf\u53ca\u4ea4\u901a\uff09\uff0c\u76ee\u6a19\u91d1\u984d\u662f\u5132\u5230HK$45,000\u81f3HK$90,000\u3002\u7531\u65bc\u751f\u6d3b\u6210\u672c\u6301\u7e8c\u63d0\u5347\uff0c\u9999\u6e2f\u6708\u5149\u65cf\u53ef\u5f9e\u6bcf\u6708\u5f37\u5236\u513220%\u85aa\u6c34\u8d77\u6b65\uff0c\u6311\u6230\u4e00\u5e74\u5b5810\u842c\uff1a\u6708\u85aaHK$30,000\u5b58HK$6,000\u3001\u7528\u8a18\u5e33APP\u8ffd\u8e64\uff0c\u9078\u9ad8\u606f\u6d3b\u671f\u6236\u53e3\u7f6e\u653e\u78ba\u4fdd\u6d41\u52d5\u6027\u53ca\u4fdd\u969c\uff08\u4e0a\u965080\u842c\uff09\uff0c\u5efa\u8ca1\u52d9\u7de9\u885d\uff0c\u812b\u96e2\u6708\u5149\u5faa\u74b0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u4e86\u89e3\u5982\u4f55\u904b\u7528\u7406\u8ca1\u5de5\u5177<\/strong><\/h3>\n\n\n\n<p>\u8981\u812b\u96e2\u6708\u5149\u65cf\uff0c\u9664\u4e86\u63a7\u5236\u958b\u652f\u5916\uff0c\u6b63\u78ba\u5730\u9078\u64c7\u3001\u4e26\u4f7f\u7528\u4e0d\u540c\u7684\u6295\u8cc7\u7406\u8ca1\u5de5\u5177\u4e5f\u6709\u5e6b\u52a9\u3002\u5e38\u898b\u7684\u6295\u8cc7\u5de5\u5177\u5305\u62ec<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/things-you-need-to-know-when-comparing-savings-insurance\">\u5132\u84c4\u4fdd\u96aa<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/qdap-retirement-plans-things-to-know\">\u5e74\u91d1<\/a>\u3001\u5916\u532f\u6295\u8cc7\u3001<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/inflation-tips-to-fight-against\">\u50b5\u5238<\/a>\u3001\u57fa\u91d1\u3001<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/inflation-tips-to-fight-against\">\u80a1\u7968<\/a>\u7b49\uff0c\u60f3\u4e86\u89e3\u66f4\u591a\u53ef\u5373\u7747\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/investment-financial-tools-for-beginners\">\u65b0\u624b\u6295\u8cc7\u5165\u9580\u61f6\u4eba\u5305\uff1a7\u7a2e\u5165\u9580\u6295\u8cc7\u5de5\u5177\u7c21\u4ecb<\/a>\u300b\u6587\u7ae0\u3002\u7576\u7136\uff0c\u5728\u4f5c\u51fa\u4efb\u4f55\u6295\u8cc7\u524d\u90fd\u5fc5\u5148\u7406\u89e3\u500b\u4eba\u53ef\u627f\u64d4\u7684\u98a8\u96aa\u53ca\u9810\u671f\u56de\u5831\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/endowment-insurance-promotion\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/06\/E1-3.6pa-banner-TC-970x250-1.jpg\" alt=\"Article - WeSave \u9ad8\u606f\u5132\u84c4\u4fddE1 - blog\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u5275\u9020\u88ab\u52d5\u6536\u5165<\/strong><\/h3>\n\n\n\n<p>\u9999\u6e2f\u5bf8\u91d1\u5c3a\u571f\uff0c\u767e\u7269\u9a30\u8cb4\uff0c\u90e8\u5206\u6708\u5149\u65cf\u4ea6\u975e\u53ea\u662f\u55ae\u7d14\u56e0\u70ba\u500b\u4eba\u6d88\u8cbb\u610f\u6b32\u904e\u9ad8\u800c\u300c\u6708\u6708\u6e05\u300d\uff0c\u53ef\u80fd\u6bcf\u6708\u4ee5\u85aa\u91d1\u652f\u4ed8\u79df\u91d1\u3001\u6c34\u96fb\u3001\u4ea4\u901a\u3001\u98f2\u98df\u7b49\u57fa\u672c\u958b\u652f\u5f8c\u5df2\u6240\u5269\u7121\u5e7e\u3002\u6545\u6b64\uff0c\u5275\u9020\u88ab\u52d5\u6536\u5165\u4e5f\u662f\u4e00\u7a2e\u6709\u6548\u64fa\u812b\u6708\u5149\u65cf\u7684\u65b9\u6cd5\u3002\u60f3\u4e86\u89e3\u66f4\u591a\u5efa\u7acb\u88ab\u52d5\u6536\u5165\u7684\u65b9\u6cd5\uff0c\u5373\u7747\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/passive-income-ideas-help-you-to-make-money\">\u5275\u9020\u7a69\u5b9a\u88ab\u52d5\u6536\u5165\u5fc3\u5f97\uff1a\u589e\u52a0\u88ab\u52d5\u6536\u5165\u65b9\u6cd5<\/a>\u300b\u6587\u7ae0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. \u5584\u7528\u4e0d\u540c\u5132\u84c4\u5de5\u5177<\/strong><\/h3>\n\n\n\n<p>\u6b78\u6839\u7a76\u67e2\uff0c\u5efa\u7acb\u5132\u84c4\u7fd2\u6163\u624d\u662f\u64fa\u812b\u6708\u5149\u65cf\u7684\u6839\u672c\u65b9\u6cd5\u3002\u7136\u800c\uff0c\u5e02\u9762\u4e0a\u7684\u5132\u84c4\u5de5\u5177\u4e94\u82b1\u516b\u9580\uff0c\u8a72\u7576\u5982\u4f55\u9078\u64c7\uff1f\u73fe\u6642\u56de\u5831\u7a69\u5b9a\u800c\u98a8\u96aa\u8f03\u4f4e\u7684\u5169\u7a2e\u5132\u84c4\u5de5\u5177\uff0c\u5206\u5225\u70ba<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/time-deposit-savings-insurance-difference\">\u9280\u884c\u5b9a\u671f\u5b58\u6b3e<\/a>\u4ee5\u53ca<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/things-you-need-to-know-when-comparing-savings-insurance\">\u5132\u84c4\u4fdd\u96aa<\/a>\uff0c\u5169\u8005\u90fd\u662f\u4ee5\u5132\u84c4\u70ba\u4e3b\u8981\u76ee\u6a19\u7684\u7406\u8ca1\u5de5\u5177\u3002\u96d6\u7136\u6027\u8cea\u76f8\u8fd1\uff0c\u4f46\u5be6\u969b\u4e0a\u537b\u6709\u4e0d\u5c11\u5dee\u7570\uff0c\u5982\u60f3\u4e86\u89e3\u66f4\u591a\u5169\u8005\u5dee\u5225\uff0c\u5373\u7747\u300a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E7%90%86%E8%B2%A1%E8%B2%BC%E5%A3%AB\/time-deposit-savings-insurance-difference\">\u5b9a\u671f\u5b58\u6b3e VS \u5132\u84c4\u4fdd\u96aa \u908a\u6a23\u56de\u5831\u9ad8\uff1f<\/a>\u300b\u6587\u7ae0\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u66f4\u591a\u5132\u9322\u5c0f\u8cbc\u58eb<\/h2>\n\n\n\n<p>\u9664\u4e86\u5efa\u7acb\u5927\u578b\u5132\u84c4\u76ee\u6a19\uff0c\u9632\u5835\u8ca1\u52d9\u6f0f\u6d1e\u4ea6\u662f\u64fa\u812b\u6708\u5149\u7684\u91cd\u8981\u9014\u5f91\u3002\u8a66\u8a66\u5c07\u9019\u4e9b\u5132\u9322\u5c0f\u8cbc\u58eb\u878d\u5165\u4f60\u7684\u65e5\u5e38\u751f\u6d3b\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u6d88\u8cbb\u51b7\u975c\u671f\uff1a<\/strong>\u975e\u5fc5\u9700\u5927\u984d\u8cfc\u7269\u7b4948\u5c0f\u6642\u518d\u8cb7\uff0c\u591a\u6578\u885d\u52d5\u6b32\u6d88\u9000\uff0c\u6709\u6548\u963b\u65b7\u885d\u52d5\u6d88\u8cbb\u6839\u6e90\u3002<\/li>\n\n\n\n<li><strong>\u5206\u62c6\u5e33\u6236\uff1a<\/strong>\u6e96\u5099\u4e00\u500b\u5132\u84c4\u6236\u53e3\uff0c\u5728\u767c\u85aa\u65e5\u7576\u5929\u76f4\u63a5\u5c07\u56fa\u5b9a\u91d1\u984d\u64a5\u5165\u8a72\u6236\u53e3\uff0c\u4e26\u79fb\u9664\u5132\u84c4\u6236\u53e3\u7684\u624b\u6a5f\u652f\u4ed8\u7d81\u5b9a\uff0c\u589e\u52a0\u53d6\u9322\u96e3\u5ea6\uff0c\u5efa\u7acb\u300c\u5148\u5132\u84c4\u5f8c\u6d88\u8cbb\u300d\u6a21\u5f0f\u3002\u6b64\u5916\uff0c\u4ea6\u53ef\u589e\u8a2d\u65e5\u5e38\u6d88\u8cbb\u3001\u5a1b\u6a02\u5e33\u6236\u5206\u9694\u8cc7\u91d1\uff0c\u80fd\u66f4\u597d\u5730\u638c\u63a7\u8cc7\u91d1\u7528\u9014\u3002<\/li>\n\n\n\n<li><strong>\u907f\u514d\u4fe1\u7528\u5361\u5206\u671f\uff1a<\/strong>\u5207\u52ff\u5c07\u672a\u4f86\u6536\u5165\u9810\u77e5\u5728\u7576\u4e0b\u7684\u4eab\u6a02\u4e0a\u3002\u9664\u4e86\u5927\u578b\u5fc5\u8981\u958b\u652f\uff08\u5982\u91ab\u7642\uff09\uff0c\u61c9\u5805\u6301\u300c\u7121\u73fe\u91d1\uff0c\u4e0d\u8cfc\u8cb7\u300d\u7684\u539f\u5247\u3002<\/li>\n\n\n\n<li><strong>\u7cbe\u7b97\u96b1\u5f62\u958b\u652f\uff1a<\/strong>\u5982\u6bcf\u65e5\u4e00\u676f\u5496\u5561HK$45\uff0c\u4e00\u500b\u6708HK$1,350\uff0c\u4e00\u5e74\u8d85\u904eHK$16,000\u3002\u627e\u51fa\u751f\u6d3b\u4e2d\u7684\u96b1\u5f62\u958b\u652f\uff08\u5982\u98f2\u54c1\u3001\u4e32\u6d41\u5e73\u53f0\u6708\u8a02\u95b1\u8cbb\u7b49\uff09\uff0c\u7cbe\u7c21\u9019\u4e9b\u958b\u652f\u80fd\u7121\u75db\u7701\u4e0b\u4e00\u5927\u7b46\u9322\u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6708\u5149\u65cf\u5132\u9322\u4e4b\u9078\uff1aBlue WeSave ST1 \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd<\/strong><\/h2>\n\n\n\n<p>\u5982\u679c\u89ba\u5f97\u81ea\u5df1\u610f\u5fd7\u529b\u4e0d\u8db3\uff0c\u9700\u8981\u5177\u5099\u300c\u5f37\u5236\u6027\u300d\u53ca\u300c\u7a69\u5b9a\u56de\u5831\u300d\u7684\u7406\u8ca1\u5de5\u5177\uff0cBlue \u7684 <a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a>\u662f\u4e00\u500b\u4f4e\u98a8\u96aa\u7684\u5165\u9580\u9078\u64c7\u3002<\/p>\n\n\n\n<p>WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1 \u5c08\u70ba\u7406\u8ca1\u65b0\u624b\u8a2d\u8a08\uff0c\u63d0\u4f9b1\u81f33\u5e74\u7684\u9748\u6d3b\u4fdd\u969c\u671f\uff0c\u4ee4\u4f60\u5728\u77ed\u6642\u9593\u5167\u64c1\u6709\u9ad8\u90543.81%\u7684\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u3002\u63a1\u53d6\u4e00\u7b46\u904e\u7e73\u4ed8\uff0c\u80fd\u5f37\u8feb\u5132\u84c4\u3001\u9632\u6b62\u885d\u52d5\u6d88\u8cbb\uff0c\u66f4\u9644\u5e36\u8eab\u6545\u4fdd\u969c\uff0c\u662f\u8ffd\u6c42\u7a69\u5065\u56de\u5831\u53ca\u5efa\u8b70\u61c9\u6025\u91d1\u7684\u7406\u60f3\u7406\u8ca1\u5de5\u5177\uff0c\u8b93\u4f60\u8f15\u9b06\u64fa\u812b\u6708\u5149\u65cf\u3002<\/p>\n\n\n<style>.kb-table-container15032_c6ebd3-b2{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container15032_c6ebd3-b2 .kb-table15032_c6ebd3-b2{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container15032_c6ebd3-b2 .kb-table15032_c6ebd3-b2 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container15032_c6ebd3-b2 .kb-table15032_c6ebd3-b2 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container15032_c6ebd3-b2 .kb-table15032_c6ebd3-b2 tbody tr:last-child td:first-child, .kb-table-container15032_c6ebd3-b2 .kb-table15032_c6ebd3-b2 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container15032_c6ebd3-b2 .kb-table15032_c6ebd3-b2 tbody tr:last-child td:last-child, .kb-table-container15032_c6ebd3-b2 .kb-table15032_c6ebd3-b2 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container15032_c6ebd3-b2{overflow-x:auto;}.kb-table-container .kb-table15032_c6ebd3-b2 th{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:var(--ast-global-color-4);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table15032_c6ebd3-b2 th ul, .kb-table-container .kb-table15032_c6ebd3-b2 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15032_c6ebd3-b2 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table15032_c6ebd3-b2 td ul, .kb-table-container .kb-table15032_c6ebd3-b2 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15032_c6ebd3-b2 td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table15032_c6ebd3-b2 th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table15032_c6ebd3-b2 td, .kb-table15032_c6ebd3-b2 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}@media all and (max-width: 1024px){.kb-table-container .kb-table15032_c6ebd3-b2 td, .kb-table15032_c6ebd3-b2 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}@media all and (max-width: 767px){.kb-table-container .kb-table15032_c6ebd3-b2 td, .kb-table15032_c6ebd3-b2 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}<\/style><div class=\"kb-table-container kb-table-container15032_c6ebd3-b2 wp-block-kadence-table\"><table class=\"kb-table kb-table15032_c6ebd3-b2\">\n<tr class=\"kb-table-row kb-table-row15032_74fd53-fb\">\n<th class=\"kb-table-data kb-table-data15032_01ca48-e4\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-f6b4a6aefb12d3fcd9608aef2645a21f\"><strong>\u7279\u9ede<\/strong><\/p>\n\n<\/15032_01ca48-e4>\n\n<th class=\"kb-table-data kb-table-data15032_de128e-2e\">\n\n<p>Blue WeSave ST1 \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd<\/p>\n\n<\/15032_de128e-2e>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15032_1241ac-a7\">\n<th class=\"kb-table-data kb-table-data15032_80140a-45\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-c1e02358bd2f323d411fe9f1201bf37b\"><strong>\u4fdd\u8b49\u56de\u5831<\/strong><\/p>\n\n<\/15032_80140a-45>\n\n<td class=\"kb-table-data kb-table-data15032_6ed0d9-8c\">\n\n<p>3\u5e74\u671f\u6eff\u5c08\u4eab\u6bcf\u5e743.81%\u4fdd\u8b49\u56de\u5831<\/p>\n\n<\/15032_6ed0d9-8c>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15032_f8deaf-70\">\n<th class=\"kb-table-data kb-table-data15032_116e53-66\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-123978fad5f7c46bc2873b600f5ed551\"><strong>\u9580\u6abb<\/strong><\/p>\n\n<\/15032_116e53-66>\n\n<td class=\"kb-table-data kb-table-data15032_c80944-7b\">\n\n<p>\u8d77\u6295\u91d1\u984d\u9748\u6d3b\uff0c\u9069\u5408\u9999\u6e2f\u6708\u5149\u65cf\u3001\u5c0f\u8cc7\u65cf<\/p>\n\n<\/15032_c80944-7b>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15032_cf6752-96\">\n<th class=\"kb-table-data kb-table-data15032_84a5e1-1e\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-99d0ecf98bf8905ceaf306bea2f2f669\"><strong>\u4fdd\u969c<\/strong><\/p>\n\n<\/15032_84a5e1-1e>\n\n<td class=\"kb-table-data kb-table-data15032_ff751a-6e\">\n\n<p>\u9644\u5e36\u8eab\u6545\u4fdd\u969c\uff08\u7e3d\u7e73\u4fdd\u8cbb\u7684100%\uff09<\/p>\n\n<\/15032_ff751a-6e>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15032_fa6170-89\">\n<th class=\"kb-table-data kb-table-data15032_3ce8b0-85\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-8be4f5a89b81891c3f49c273a61a1251\"><strong>\u529f\u80fd<\/strong><\/p>\n\n<\/15032_3ce8b0-85>\n\n<td class=\"kb-table-data kb-table-data15032_34afbd-41\">\n\n<p>\u5f37\u5236\u9396\u5b9a\u8cc7\u91d1\uff0c\u9632\u6b62\u885d\u52d5\u6d88\u8cbb<\/p>\n\n<\/15032_34afbd-41>\n<\/tr>\n<\/table><\/div>\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\" target=\"_blank\" rel=\" noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"309\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-banner-TC-blog-1.jpg\" alt=\"Sokosan - WeSave ST1 3.81 pa - blog\" class=\"wp-image-15025\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-banner-TC-blog-1.jpg 1200w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-banner-TC-blog-1-300x77.jpg 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-banner-TC-blog-1-1024x264.jpg 1024w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-banner-TC-blog-1-768x198.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u64fa\u812b\u6708\u5149\u4e0d\u662f\u70ba\u4e86\u7701\u9322\uff0c\u800c\u662f\u70ba\u4e86\u9078\u64c7\u6b0a<\/h2>\n\n\n\n<p>\u64fa\u812b\u6708\u5149\u65cf\u4e26\u975e\u8981\u4f60\u72a7\u7272\u751f\u6d3b\u8cea\u7d20\uff0c\u800c\u662f\u5728\u9762\u81e8\u7a81\u767c\u610f\u5916\u6642\u6709\u9078\u64c7\u7684\u6a5f\u6703\uff0c\u800c\u4e0d\u662f\u56e0\u70ba\u6c92\u9322\u800c\u59d4\u5c48\u6c42\u5168\u3002\u5728\u91d0\u6e05\u9999\u6e2f\u6708\u5149\u65cf\u5b9a\u7fa9\u3001\u4e86\u89e3\u539f\u56e0\u4e26\u638c\u63e1\u6d88\u8cbb\u53ca\u5132\u84c4\u539f\u5247\u5f8c\uff0c\u4f60\u4fbf\u80fd\u6aa2\u8996\u81ea\u5df1\uff0c\u91cd\u638c\u4eba\u751f\u4e3b\u5c0e\u6b0a\uff0c\u907f\u514d\u8001\u5f8c\u9677\u5165\u8ca1\u52d9\u5371\u6a5f\u3002\u7acb\u5373\u884c\u52d5\uff0c\u5f9e\u5efa\u7acb\u9810\u5099\u91d1\u958b\u59cb\uff0c\u4e26\u5584\u7528<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">Blue WeSave ST1\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd<\/a>\uff0c\u70ba\u4f60\u7684\u8cc7\u91d1\u589e\u503c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u806f\u7d61Blue\u4e86\u89e3\u66f4\u591a\u4fdd\u96aa\u65b9\u6848<\/h2>\n\n\n\n<p>Blue\u63d0\u4f9b<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">\u5132\u84c4<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u4eba\u58fd<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-personal-accident-protection-plan-1\">\u610f\u5916<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/critical-illness-insurance\">\u5371\u75be<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/medical-cover\">\u9580\u8a3a\u91ab\u7642<\/a>\u53ca<a href=\"https:\/\/www.blue.com.hk\/hk\/weguard-pharmaeasy-protection-plan\">\u85e5\u5291<\/a>\u7b49\u591a\u7a2e\u4fdd\u96aa\u7522\u54c1\u3002\u5982\u6b32\u4e86\u89e3\u66f4\u591a\uff0c\u6b61\u8fce\u76f4\u63a5WhatsApp +852 9559 5665\u67e5\u8a62\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<style>.kb-table-container13716_d5b273-40{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child td:first-child, .kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child td:last-child, .kb-table-container13716_d5b273-40 .kb-table13716_d5b273-40 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container13716_d5b273-40{overflow-x:auto;}.kb-table13716_d5b273-40 td:nth-of-type(1), .kb-table13716_d5b273-40 th:nth-of-type(1){width:100%;}.kb-table13716_d5b273-40 td:nth-of-type(2), .kb-table13716_d5b273-40 th:nth-of-type(2){width:30%;}.kb-table13716_d5b273-40 td:nth-of-type(3), .kb-table13716_d5b273-40 th:nth-of-type(3){width:30%;}.kb-table13716_d5b273-40 td:nth-of-type(4), .kb-table13716_d5b273-40 th:nth-of-type(4){width:30%;}.kb-table13716_d5b273-40 td:nth-of-type(5), .kb-table13716_d5b273-40 th:nth-of-type(5){width:30%;}.kb-table13716_d5b273-40{table-layout:fixed;width:100%;}.kb-table-container .kb-table13716_d5b273-40 th{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:var(--ast-global-color-4);padding-top:0px;padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table13716_d5b273-40 th ul, .kb-table-container .kb-table13716_d5b273-40 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table13716_d5b273-40 td{padding-top:0px;padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table13716_d5b273-40 td ul, .kb-table-container .kb-table13716_d5b273-40 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table13716_d5b273-40 td, .kb-table13716_d5b273-40 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}@media all and (max-width: 1024px){.kb-table-container .kb-table13716_d5b273-40 td, .kb-table13716_d5b273-40 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}@media all and (max-width: 767px){.kb-table13716_d5b273-40 td:nth-of-type(1), .kb-table13716_d5b273-40 th:nth-of-type(1){width:29%;}.kb-table-container .kb-table13716_d5b273-40 td, .kb-table13716_d5b273-40 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}<\/style><div class=\"kb-table-container kb-table-container13716_d5b273-40 wp-block-kadence-table\"><table class=\"kb-table kb-table13716_d5b273-40\">\n<style>.kb-table-container .kb-table tr.kb-table-row13716_dd0bcc-c0{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row13716_dd0bcc-c0\">\n<th class=\"kb-table-data kb-table-data13716_a136b6-ff\">\n\n<p class=\"has-text-color has-link-color wp-elements-54b45e244de90fcdf392b1841c6e8cbc\" style=\"color:#1e293b\"><strong>\u8a3b\u91cb<\/strong><\/p>\n\n<\/13716_a136b6-ff>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_e72c86-89\">\n<td class=\"kb-table-data kb-table-data13716_8eae41-7d\">\n\n<p>\u8a3b1\uff1a\u6b64\u56de\u5831\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc3\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u3002\u63d0\u65e9\u9000\u4fdd\u9700\u7e73\u4ed8\u9000\u4fdd\u8cbb\u7528\u3002<\/p>\n\n<\/13716_8eae41-7d>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_f759d2-86\">\n<td class=\"kb-table-data kb-table-data13716_ce02aa-74\">\n\n<p>\u8a3b2\uff1a\u65bc\u4fdd\u55ae\u6709\u6548\u671f\u9593\uff0c\u4f60\u53ef\u4ee5\u96a8\u6642\u7e73\u4ea4\u984d\u5916\u4fdd\u8cbb\uff0c\u60df\u9808\u53d7\u5236\u65bc\u984d\u5916\u4fdd\u8cbb\u7684\u6700\u4f4e\u8981\u6c42\uff08HK$100\uff09\u53ca\u6700\u9ad8\u984d\u5916\u4fdd\u8cbb\uff083\u5e74\u5b9a\u671f\u4fdd\u8cbb\u7e3d\u984d\u6e1b\u53bb\u5df2\u7e73\u4fdd\u8cbb\u7e3d\u984d\uff0c\u52a0\u4e0a\u63d0\u6b3e\u7e3d\u984d\uff08\u5982\u9069\u7528\uff09\u3002\u65bc\u4fdd\u55ae\u6709\u6548\u671f\u9593\uff0c\u4f60\u53ef\u4ee5\u96a8\u6642\u900f\u904eBlueHK\u624b\u6a5fAPP\u5411Blue\u767c\u9001\u901a\u77e5\u63d0\u53d6\u90e8\u5206\u6236\u53e3\u50f9\u503c\uff0c\u60df\u9808\u53d7\u5236\u65bc\u6700\u4f4e\u63d0\u53d6\u91d1\u984d\u898f\u5b9a\uff08HK$100\uff09\u53ca\u6700\u4f4e\u6236\u53e3\u9918\u984d\uff08HK$500\uff09\u3002&nbsp;<\/p>\n\n<\/13716_ce02aa-74>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_56bd1b-0c\">\n<td class=\"kb-table-data kb-table-data13716_798667-1b\">\n\n<p>\u8a3b3\uff1a\u6b64\u6d3e\u606f\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc3\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u6d3e\u606f\u7387\uff0c\u4e26\u50c5\u9069\u7528\u65bc\u7b26\u5408\u8cbc\u5fc3\u734e\u8cde\u53ca\u7d42\u6975\u734e\u8cde\u8cc7\u683c\u7684\u4fdd\u55ae\u3002<\/p>\n\n<\/13716_798667-1b>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_ce6595-10\">\n<td class=\"kb-table-data kb-table-data13716_4f038b-b0\">\n\n<p>\u8a3b4\uff1a \u6b64\u6d3e\u606f\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc5\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u5e73\u5747\u6d3e\u606f\u7387\u3002<\/p>\n\n<\/13716_4f038b-b0>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row13716_a73b6b-74\">\n<td class=\"kb-table-data kb-table-data13716_78093f-8c\">\n\n<p>\u8a3b5\uff1a\u6b64\u56de\u5831\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc5\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u3002\u63d0\u65e9\u9000\u4fdd\u8cbb\u7528\u9069\u7528\u65bc\u99963\u500b\u4fdd\u55ae\u5e74\u5ea6\u3002<\/p>\n\n<\/13716_78093f-8c>\n<\/tr>\n<\/table><\/div>\n\n\n<p>\u300cWeSave\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fddST1\u300d\u3001\u300cEasySave\u667a\u6613\u5132\u84c4\u4fddES1\u300d\u3001\u300cWeSave\u5b9a\u606f\u5132\u84c4\u4fddS3\u300d\u53ca\u300cWeSave\u9ad8\u606f\u5132\u84c4\u4fddE1\u300d\u5747\u70ba\u5132\u84c4\u4fdd\u96aa\u8a08\u5283\uff0c\u4e26\u975e\u9280\u884c\u5132\u84c4\u7522\u54c1\u3002 \u4ee5\u4e0a\u7522\u54c1\u53ca\u512a\u60e0\u5747\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\u3002\u4ee5\u4e0a\u8cc7\u6599\u53ea\u4f9b\u53c3\u8003\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1<a href=\"https:\/\/www.blue.com.hk\/hk\">Blue\u7db2\u7ad9<\/a>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c (FAQ)<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u70ba\u4ec0\u9ebc\u6211\u6bcf\u500b\u6708\u90fd\u5b58\u4e0d\u4e0b\u9322\uff1f\u6d88\u8cbb\u9677\u9631\u6709\u54ea\u4e9b\uff1f<\/strong><br>\u6bcf\u6708\u5b58\u4e0d\u4e0b\u9322\uff0c\u4e3b\u56e0\u5728\u65bc\u300c\u6536\u5165 &#8211; \u652f\u51fa = \u5132\u84c4\u300d\u7684\u932f\u8aa4\u9806\u5e8f\u3002\u5f9e\u5ffd\u8996\u96b1\u5f62\u958b\u652f\u3001\u70ba\u4e86\u6e4a\u514d\u904b\u8cb7\u5ee2\u54c1\uff0c\u5230\u9577\u671f\u8a02\u95b1\u4e0d\u5e38\u7528\u7684\u4e32\u6d41\u5e73\u53f0\u7b49\u3002\u52a0\u4e0a\u884c\u52d5\u652f\u4ed8\u666e\u53ca\uff0c\u6a21\u7cca\u4e86\u91d1\u9322\u6d41\u51fa\u7684\u5be6\u611f\uff0c\u8981\u771f\u6b63\u958b\u59cb\u5b58\u9322\u95dc\u9375\u662f\u300c\u5148\u5132\u84c4\u5f8c\u6d88\u8cbb\u300d\u3002<\/li>\n\n\n\n<li><strong>\u5982\u4f55\u8b93\u81ea\u5df1\u66f4\u6709\u9322\uff1f<\/strong><br>\u300c\u958b\u6e90\u3001\u7bc0\u6d41\u3001\u518d\u6295\u8cc7\u300d\u80fd\u4ee4\u4f60\u66f4\u6709\u9322\u3002\u9664\u4e86\u7701\u9322\u884c\u70ba\u4e4b\u5916\uff0c\u66f4\u61c9\u5b78\u6703\u6295\u8cc7\u81ea\u5df1\uff0c\u901a\u904e\u722d\u53d6\u8077\u4f4d\u6649\u5347\u589e\u52a0\u73fe\u91d1\u6d41\u3002\u6b64\u5916\uff0c\u5229\u7528Blue WeSave ST1\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd\u9019\u6a23\u7684\u5f37\u5236\u5132\u84c4\u5de5\u5177\u8b93\u9592\u7f6e\u8cc7\u91d1\u7a69\u5b9a\u589e\u503c\uff0c\u9760\u6b63\u78ba\u7684\u8ca1\u52d9\u908f\u8f2f\u53ca\u5132\u84c4\u7fd2\u6163\u9010\u6f38\u5bcc\u6709\u3002<\/li>\n\n\n\n<li><strong>\u5927\u5b78\u751f\u7562\u696d\u5f8c\u7b2c\u4e00\u4efd\u5de5\u61c9\u8a72\u5b58\u5e7e\u591a\uff1f<\/strong><br>\u5efa\u8b70\u5f9e\u5132\u85aa\u91d120%\u958b\u59cb\uff0c\u5efa\u7acb3\u500b\u6708\u958b\u652f\u9810\u5099\u91d1\u3002\u7528\u81ea\u52d5\u8f49\u5e33\u81f3\u9ad8\u606f\u6216\u5132\u84c4\u6236\u53e3\uff0c\u914d\u54086\/3\/1\u6cd5\u5247\uff0c\u907f\u514d\u5c07\u9996\u6279\u85aa\u91d1\u82b1\u5149\uff0c\u5960\u5b9a\u6b63\u78ba\u7684\u7406\u8ca1\u57fa\u790e\u3002<\/li>\n\n\n\n<li><strong>\u6708\u5149\u65cf\u8001\u5f8c\u6703\u6709\u4ec0\u9ebc\u98a8\u96aa\uff1f<\/strong><br>\u6700\u4e3b\u8981\u7684\u98a8\u96aa\u662f\u9762\u81e8\u91ab\u7642\u53ca\u57fa\u672c\u751f\u6d3b\u958b\u652f\u58d3\u529b\u3002\u7121\u5132\u5099\u91d1\u5bb9\u6613\u9677\u5165\u8ca7\u7aae\u3001\u4f9d\u8cf4\u7d9c\u63f4\uff0c\u91ab\u7642\u8cbb\u901a\u8139\u53ca\u9577\u58fd\u98a8\u96aa\u3002<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u53c3\u8003\u8cc7\u6599\uff1a<\/p>\n\n\n\n<p>1. Yahoo\u8ca1\u7d93 &#8211; <a href=\"https:\/\/hk.finance.yahoo.com\/news\/%E8%B2%A1%E7%B6%93-%E8%AA%BF%E6%9F%A5-43-%E6%9C%AC%E6%B8%AF%E6%89%93%E5%B7%A5%E4%BB%94%E5%B1%AC-%E6%9C%88%E5%85%89%E6%97%8F-032823854.html\">\u8ca1\u7d93\uff5c\u8abf\u67e5\uff1a43%\u672c\u6e2f\u6253\u5de5\u4ed4\u5c6c\u300c\u6708\u5149\u65cf\u300d<\/a><br>2. \u7d93\u6fdf\u65b0\u8996\u91ce &#8211; <a href=\"https:\/\/evision.news\/how-to-save-money-monthly-30k-hk-2026\/\">\u6708\u85aa3\u842c\u600e\u9ebc\u5b58\u9322\uff1f2026\u5e74\u9999\u6e2f\u6253\u5de5\u4ed4\u5fc5\u5b785\u5927\u7121\u75db\u5132\u9322\u6cd5\uff0c\u64fa\u812b\u6708\u5149\u65cf\uff01<\/a><br>3. \u9999\u6e2f\u793e\u6703\u670d\u52d9\u806f\u6703 &#8211; <a 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