{"id":14800,"date":"2026-01-21T10:25:38","date_gmt":"2026-01-21T10:25:38","guid":{"rendered":"https:\/\/www.blue.com.hk\/blog\/?p=14800"},"modified":"2026-01-21T10:25:39","modified_gmt":"2026-01-21T10:25:39","slug":"what-is-retirement-trio","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/what-is-retirement-trio","title":{"rendered":"\u9000\u4f11\u4e09\u5bf6\u662f\u4ec0\u9ebc\uff1f\u6bd4\u8f03\u5e74\u91d1\u3001\u5b89\u8001\u6309\u63ed\u8a08\u5283\u53ca\u4fdd\u55ae\u9006\u6309\u8a08\u5283"},"content":{"rendered":"\n<p>\u5728\u9999\u6e2f\u8ac7\u5230\u9000\u4f11\u7406\u8ca1\uff0c\u4e0d\u5c11\u4eba\u6703\u7591\u60d1\u300c\u7a76\u7adf\u9000\u4f11\u4e09\u5bf6\u662f\u4ec0\u9ebc\uff1f\u300d\uff0c\u5176\u5be6\u662f\u574a\u9593\u5c0d3\u9805\u4e3b\u8981\u9000\u4f11\u73fe\u91d1\u6d41\u5de5\u5177\u7684\u7d71\u7a31\uff0c\u5206\u5225\u5305\u62ec\u9999\u6e2f\u5e74\u91d1\u8a08\u5283\uff08\u7531\u9999\u6e2f\u5e74\u91d1\u6709\u9650\u516c\u53f8\u63d0\u4f9b\uff09\u3001\u9006\u6309\u63ed\u8a08\u5283\u53ca\u4fdd\u55ae\u9006\u6309\u8a08\u5283\uff08\u7686\u7531\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8\u71df\u904b\uff09\u3002\u5176\u4e2d\uff0c\u4ee5\u9000\u4f11\u4e09\u5bf6\u5e74\u91d1\u6700\u70ba\u4eba\u719f\u6089\uff0c\u4f46\u90193\u9805\u8a08\u5283\u5747\u65e8\u5728\u5354\u52a9\u9000\u4f11\u4eba\u58eb\u7372\u53d6\u7a69\u5b9a\u73fe\u91d1\u6d41\uff0c\u6e1b\u8f15\u751f\u6d3b\u58d3\u529b\u3002\u4e0d\u904e\uff0c\u4fdd\u96aa\u7522\u54c1\u901a\u5e38\u4e26\u4e0d\u5305\u542b\u5728\u5176\u4e2d\uff0c\u662f\u5426\u610f\u5473\u8457\u4fdd\u96aa\u7522\u54c1\u5c0d\u9000\u4f11\u4e26\u4e0d\u91cd\u8981\uff1f<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/financial-tips\/\">Blue\u7406\u8ca1\u9054\u4eba<\/a>\u4ee5\u4e0b\u8207\u5927\u5bb6\u6bd4\u8f03\u9000\u4f11\u4e09\u5bf6\u7684\u4e0d\u540c\u8a08\u5283\uff0c\u4e26\u62c6\u89e3\u4fdd\u96aa\u5728\u80cc\u5f8c\u7684\u89d2\u8272\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9999\u6e2f60\u6b72\u9000\u4f11\u8981\u5b58\u591a\u5c11\u9322\uff1f<\/h2>\n\n\n\n<p>\u6839\u64da\u300a\u6ed9\u8c50\u5168\u7403\u751f\u6d3b\u8cea\u7d20\u5c08\u984c\u5831\u544a2025\u300b [1] \u8abf\u67e5\u986f\u793a\uff0c\u8fd11,400\u540d\u53d7\u8a2a\u9999\u6e2f\u5bcc\u88d5\u6295\u8cc7\u8005\u8a8d\u70ba\uff0c\u5e73\u5747\u8981\u6709111\u842c\u7f8e\u5143\uff0c\u4ea6\u5373\u7d04860 \u842c\u6e2f\u5143\u7a4d\u84c4\uff0c\u624d\u53ef\u4eab\u53d7\u8212\u9069\u5b89\u7a69\u7684\u9000\u4f11\u751f\u6d3b\u3002\u5230\u5e95\u9000\u4f11\u5f8c\u8981\u5982\u4f55\u70ba\u81ea\u5df1\u88fd\u9020\u9577\u7ce7\uff0c\u5b89\u4eab\u665a\u5e74\uff1f<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u4e09\u5bf6\u6bd4\u8f03\u4e00\u89bd<\/h2>\n\n\n\n<p>\u96d6\u7136\u4e09\u9805\u8a08\u5283\u540c\u70ba\u5275\u9020\u9000\u4f11\u73fe\u91d1\u6d41\u7684\u5de5\u5177\uff0c\u4f46\u5176\u8a2d\u8a08\u521d\u8877\u662f\u70ba\u89e3\u6c7a\u4e0d\u540c\u7684\u9000\u4f11\u8ca1\u52d9\u96e3\u984c\uff0c\u4e26\u4e0d\u4e00\u5b9a\u8981\u8cb7\u9f4a\u300c\u4e09\u5bf6\u300d\u3002\u9000\u4f11\u898f\u5283\u7684\u6838\u5fc3\uff0c\u5728\u65bc\u5c07\u4e0d\u540c\u8cc7\u7522\uff08\u73fe\u91d1\u3001\u7269\u696d\u3001\u4fdd\u55ae\uff09\u8f49\u5316\u70ba\u7a69\u5b9a\u3001\u53ef\u6301\u7e8c\u7684\u751f\u6d3b\u8cbb\u3002\u9000\u4f11\u4e09\u5bf6\u7684\u91cd\u8981\u6027\uff0c\u6b63\u5728\u65bc\u63d0\u4f9b3\u7a2e\u4e0d\u540c\u7684\u300c\u8cc7\u7522\u6d3b\u5316\u300d\u8def\u5f91\uff0c\u80fd\u6839\u64da\u81ea\u5df1\u6700\u4e3b\u8981\u7684\u8cc7\u7522\u7d44\u5408\uff08\u5982\u662f\u5426\u6301\u6709\u7269\u696d\u3001\u6709\u5426\u5927\u984d\u5132\u84c4\u4fdd\u55ae\uff09\u53ca\u5c0d\u6d41\u52d5\u6027\u3001\u907a\u7522\u50b3\u627f\u7684\u9700\u6c42\uff0c\u4f86\u914d\u5c0d\u6700\u9069\u5408\u7684\u5de5\u5177\u3002\u4e0b\u6587\u5c07\u70ba\u4f60\u6bd4\u8f03\u9000\u4f11\u4e09\u5bf6\u7684\u95dc\u9375\u7279\u9ede\uff0c\u52a9\u4f60\u898f\u5283\u9000\u4f11\u85cd\u5716\u3002<\/p>\n\n\n\n<h3 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class=\"wp-block-heading\"><strong>2. \u5b89\u8001\u6309\u63ed\u8a08\u5283\uff1a\u4ee5\u7269\u696d\u63db\u53d6\u73fe\u91d1\u6d41<\/strong><\/h3>\n\n\n\n<p>\u5b89\u8001\u6309\u63ed\u8a08\u5283\uff08\u5373\u9006\u6309\u63ed\u8a08\u5283\uff09\u4e3b\u8981\u91dd\u5c0d55\u6b72\u6216\u4ee5\u4e0a\u6301\u6709\u81ea\u7f6e\u7269\u696d\u7684\u5408\u8cc7\u683c\u4eba\u58eb\uff0c\u7531\u9280\u884c\u6216\u6a5f\u69cb\u5411\u7269\u696d\u696d\u4e3b\u63d0\u4f9b\u6bcf\u6708\u8cb8\u6b3e\uff0c\u8cb8\u6b3e\u4e0a\u9650\u7531\u7269\u696d\u4f30\u503c\u53ca\u7533\u8acb\u4eba\u5e74\u9f61\u6c7a\u5b9a\uff0c\u8cb8\u6b3e\u671f\u5167\u9577\u8005\u53ef\u7e7c\u7e8c\u5c45\u65bc\u7269\u696d\uff0c\u76f4\u81f3\u8eab\u6545\u6216\u642c\u51fa\uff0c\u7269\u696d\u4e00\u822c\u6703\u7528\u4f5c\u511f\u9084\u8cb8\u6b3e\u3002\u4e3b\u8981\u7279\u8272\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul 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href=\"https:\/\/www.blue.com.hk\/blog\/hk\/early-retirement-guide\/\">\u60f3\u63d0\u65e9\u9000\u4f11\u9818\u53d6\u5f37\u7a4d\u91d1\u6709\u4ec0\u9ebc\u689d\u4ef6\uff1f\u4e86\u89e3\u63d0\u65e9\u9000\u4f11\u7684\u898f\u5283\u5fc3\u6cd5\u53ca\u5de5\u5177<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. 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class=\"wp-block-heading\">\u9999\u6e2f\u5e74\u91d1\u5e7e\u591a\u6b72\u53ef\u4ee5\u7533\u8acb\uff1f\u4e00\u8868\u770b\u6e05\u54ea\u4e00\u6b3e\u66f4\u9069\u5408\u4f60<\/h3>\n\n\n\n<p>\u8981\u66f4\u6df1\u5165\u5730\u660e\u767d\u9000\u4f11\u4e09\u5bf6\u662f\u4ec0\u9ebc\uff0c\u4ea6\u8981\u77e5\u9053\u4e09\u8005\u7684\u4e0d\u540c\u4e4b\u8655\u3002\u5728\u9032\u884c\u9000\u4f11\u4e09\u5bf6\u6bd4\u8f03\u6642\uff0c\u6211\u5011\u9700\u8981\u8003\u91cf\u8cc7\u7522\u9580\u6abb\u3001\u5e74\u9f61\u9650\u5236\u53ca\u6d3e\u767c\u6a21\u5f0f\u3002\u4ee5\u4e0b\u8868\u683c\u6574\u5408\u4e86\u95dc\u9375\u8cc7\u8a0a\uff0c\u8b93\u4f60\u4e00\u76ee\u4e86\u7136\uff1a<\/p>\n\n\n<style>.kb-table-container14800_016421-5b{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container14800_016421-5b .kb-table14800_016421-5b{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px 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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-table14800_016421-5b th ul, .kb-table-container .kb-table14800_016421-5b th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table14800_016421-5b 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-table14800_016421-5b td ul, .kb-table-container .kb-table14800_016421-5b td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table14800_016421-5b td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table14800_016421-5b th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table14800_016421-5b td, .kb-table14800_016421-5b 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-table14800_016421-5b td, .kb-table14800_016421-5b 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-table14800_016421-5b td, .kb-table14800_016421-5b 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-container14800_016421-5b wp-block-kadence-table\"><table class=\"kb-table kb-table14800_016421-5b\">\n<tr class=\"kb-table-row kb-table-row14800_121ca9-00\">\n<th class=\"kb-table-data kb-table-data14800_84a88c-75\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-14821ec864ea6aa306a0e53a337390fd\"><strong>\u9805\u76ee<\/strong><\/p>\n\n<\/14800_84a88c-75>\n\n<th class=\"kb-table-data kb-table-data14800_6bc74d-a2\">\n\n<p><strong>\u9999\u6e2f\u5e74\u91d1\u8a08\u5283<\/strong><\/p>\n\n<\/14800_6bc74d-a2>\n\n<th class=\"kb-table-data kb-table-data14800_9ea412-e3\">\n\n<p><strong>\u5b89\u8001\u6309\u63ed\u8a08\u5283<\/strong><\/p>\n\n<\/14800_9ea412-e3>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14800_11ff01-23\">\n<th class=\"kb-table-data kb-table-data14800_e31298-55\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-773abd32821c9eed88c2151487e4fc1b\"><strong>\u9069\u7528\u5c0d\u8c61<\/strong><\/p>\n\n<\/14800_e31298-55>\n\n<td class=\"kb-table-data kb-table-data14800_2aee78-16\">\n\n<p>\u6709\u73fe\u91d1\u5132\u84c4\u8005<\/p>\n\n<\/14800_2aee78-16>\n\n<td class=\"kb-table-data kb-table-data14800_98f7fd-a0\">\n\n<p>\u81ea\u7f6e\u7269\u696d\u9577\u8005<\/p>\n\n<\/14800_98f7fd-a0>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14800_e1ed51-5e\">\n<th class=\"kb-table-data kb-table-data14800_74ae0c-22\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-202ec8c97072b4e8e5f36244b1b79b0b\"><strong>\u8cc7\u91d1\u4f86\u6e90<\/strong><\/p>\n\n<\/14800_74ae0c-22>\n\n<td class=\"kb-table-data kb-table-data14800_f87260-4f\">\n\n<p>\u4e00\u7b46\u904e\u6295\u5165<\/p>\n\n<\/14800_f87260-4f>\n\n<td class=\"kb-table-data kb-table-data14800_342951-b0\">\n\n<p>\u7269\u696d\u62b5\u62bc<\/p>\n\n<\/14800_342951-b0>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14800_c41d08-07\">\n<th class=\"kb-table-data kb-table-data14800_42facd-d0\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-d1b9fc71ba2d24fee977d0e20a459dc1\"><strong>\u6700\u4f4e\u7533\u8acb\u5e74\u9f61<\/strong><\/p>\n\n<\/14800_42facd-d0>\n\n<td class=\"kb-table-data kb-table-data14800_511256-51\">\n\n<p>60\u6b72<\/p>\n\n<\/14800_511256-51>\n\n<td class=\"kb-table-data kb-table-data14800_5bdfcf-41\">\n\n<p>55\u6b72<\/p>\n\n<\/14800_5bdfcf-41>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14800_83e4e7-e3\">\n<th class=\"kb-table-data kb-table-data14800_09ed51-a9\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-fc5a3b21d94ef4a2ab22f2bd8208f03e\"><strong>\u73fe\u91d1\u6d41<\/strong><\/p>\n\n<\/14800_09ed51-a9>\n\n<td class=\"kb-table-data kb-table-data14800_aeb350-75\">\n\n<p>\u56fa\u5b9a\u6bcf\u6708\u5e74\u91d1<\/p>\n\n<\/14800_aeb350-75>\n\n<td class=\"kb-table-data kb-table-data14800_7b7a08-ac\">\n\n<p>\u6bcf\u6708\u8cb8\u6b3e<\/p>\n\n<\/14800_7b7a08-ac>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14800_aef443-96\">\n<th class=\"kb-table-data kb-table-data14800_cc5422-8a\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-9d85f76bf6269c0b9e399b7cda4db814\"><strong>\u6d41\u52d5\u6027<\/strong><\/p>\n\n<\/14800_cc5422-8a>\n\n<td class=\"kb-table-data kb-table-data14800_80979e-38\">\n\n<p>\u4f4e<\/p>\n\n<\/14800_80979e-38>\n\n<td class=\"kb-table-data kb-table-data14800_36f3cc-26\">\n\n<p>\u4e2d\uff08\u7269\u696d\u9396\u5b9a\uff09<\/p>\n\n<\/14800_36f3cc-26>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14800_da1f80-2f\">\n<th class=\"kb-table-data kb-table-data14800_2e0f0b-f7\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-b0d45ce88f77d81291a7d97abba4cab5\"><strong>\u98a8\u96aa<\/strong><\/p>\n\n<\/14800_2e0f0b-f7>\n\n<td class=\"kb-table-data kb-table-data14800_92df93-59\">\n\n<p>\u9577\u58fd\u7372\u76ca<\/p>\n\n<\/14800_92df93-59>\n\n<td class=\"kb-table-data kb-table-data14800_0e69bb-76\">\n\n<p>\u7269\u696d\u50f9\u503c\u6ce2\u52d5<\/p>\n\n<\/14800_0e69bb-76>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14800_162cc2-95\">\n<th class=\"kb-table-data kb-table-data14800_8f8098-26\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-669fa7bfe7be6c6d2bf2897125b98a99\"><strong>\u907a\u7522\u5f71\u97ff<\/strong><\/p>\n\n<\/14800_8f8098-26>\n\n<td class=\"kb-table-data kb-table-data14800_d2fbcc-99\">\n\n<p>\u7121<\/p>\n\n<\/14800_d2fbcc-99>\n\n<td class=\"kb-table-data kb-table-data14800_5ca690-23\">\n\n<p>\u6e1b\u5c11<\/p>\n\n<\/14800_5ca690-23>\n<\/tr>\n<\/table><\/div>\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u9000\u4f11\u4e09\u5bf6\u7684\u5e74\u91d1\u6700\u9069\u5408\u6301\u6709\u5145\u88d5\u73fe\u91d1\u3001\u5c0b\u6c42\u6975\u7a69\u5b9a\u7d42\u8eab\u6536\u5165\u7684\u9000\u4f11\u4eba\u58eb\uff1b\u5b89\u8001\u6309\u63ed\u5247\u4e3b\u8981\u89e3\u6c7a\u300c\u6709\u6a13\u7121\u73fe\u91d1\u6d41\u300d\u7684\u56f0\u5883\uff0c\u9069\u5408\u6301\u6709\u81ea\u4f4f\u7269\u696d\u4f46\u9700\u8981\u88dc\u5145\u6bcf\u6708\u6536\u5165\u7684\u9577\u8005\uff1b\u800c\u4fdd\u55ae\u9006\u6309\u5247\u662f\u70ba\u5df2\u6301\u6709\u9ad8\u73fe\u91d1\u50f9\u503c\u4eba\u58fd\u4fdd\u55ae\u7684\u4eba\u58eb\uff0c\u63d0\u4f9b\u5728\u4e0d\u9000\u4fdd\u7684\u524d\u63d0\u4e0b\u5275\u9020\u73fe\u91d1\u6d41\u7684\u65b9\u6848\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u653f\u5e9c\u5e74\u91d1\u503c\u5f97\u8cb7\u55ce\uff1f<\/h3>\n\n\n\n<p>\u9000\u4f11\u4e09\u5bf6\u5e74\u91d1\u7531\u9999\u6e2f\u5e74\u91d1\u6709\u9650\u516c\u53f8\u627f\u4fdd\uff0c\u63d0\u4f9b\u4e00\u4efd\u8207\u751f\u547d\u7b49\u9577\u7684\u7a69\u5b9a\u4fdd\u8b49\u6708\u5165\uff0c\u662f\u5c0d\u6297\u300c\u4eba\u9084\u5728\uff0c\u9322\u6c92\u5149\u300d\u9577\u58fd\u98a8\u96aa\u7684\u6709\u6548\u5de5\u5177\u3002\u5c0d\u65bc\u5df2\u6709\u4e00\u7b46\u9592\u7f6e\u8cc7\u91d1\uff08\u5982\u5f37\u7a4d\u91d1\uff09\u3001\u8ffd\u6c42\u5b89\u5fc3\u4e26\u512a\u5148\u8003\u616e\u5275\u9020\u7a69\u5b9a\u73fe\u91d1\u6d41\u768460\u6b72\u6216\u4ee5\u4e0a\u4eba\u58eb\u800c\u8a00\uff0c\u5b83\u662f\u4e00\u500b\u7a69\u5065\u7684\u9632\u5b88\u9078\u64c7\u3002\u7136\u800c\uff0c\u5176\u8cc7\u91d1\u9396\u5b9a\u5f8c\u6d41\u52d5\u6027\u6975\u4f4e\uff0c\u4e14\u7121\u6263\u7a05\u512a\u60e0\uff0c\u56fa\u5b9a\u6d3e\u767c\u91d1\u984d\u4e5f\u53ef\u80fd\u53d7\u901a\u8139\u4fb5\u8755\u3002\u56e0\u6b64\uff0c\u82e5\u4f60\u5df2\u6709\u8db3\u5920\u61c9\u6025\u5132\u84c4\uff0c\u4e26\u5c07\u5176\u8996\u70ba\u9000\u4f11\u6536\u5165\u7684\u57fa\u790e\u914d\u7f6e\uff0c\u5b83\u4fbf\u503c\u5f97\u8003\u616e\uff1b\u82e5\u4f60\u66f4\u770b\u91cd\u8cc7\u91d1\u9748\u6d3b\u6027\u3001\u7a05\u52d9\u512a\u60e0\u6216\u66f4\u9ad8\u6f5b\u5728\u56de\u5831\uff0c\u5247\u9700\u6bd4\u8f03\u5176\u4ed6\u79c1\u71df\u5e74\u91d1\u6216\u6295\u8cc7\u65b9\u6848\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4fdd\u96aa\u4e2d\u4ecb\u9078\u64c7\u4ea6\u5f71\u97ff\u300c\u9000\u4f11\u4e09\u5bf6\u300d\u56de\u5831\uff1f<\/h2>\n\n\n\n<p>\u9000\u4f11\u4e09\u5bf6\u4e2d\uff0c\u5e74\u91d1\u5c6c\u65bc\u4e00\u7a2e\u9577\u671f\u4fdd\u96aa\u7522\u54c1\uff0c\u9078\u64c7\u4e0d\u540c\u4fdd\u96aa\u4e2d\u4ecb\u4ea6\u6709\u53ef\u80fd\u5f71\u97ff\u9577\u9060\u6295\u8cc7\u90e8\u7f72\uff0c\u4e0d\u8ad6\u662f\u6295\u8cc7\u9000\u4f11\u7d44\u5408\u524d\uff0c\u6291\u6216\u8cfc\u8cb7\u76f8\u95dc<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/time-deposit-savings-insurance-difference\/\">\u5132\u84c4\u4fdd\u96aa<\/a>\u6216\u91ab\u7642\u4fdd\u969c\u6642\uff0c\u90fd\u4e00\u5b9a\u8981\u9078\u5c0d\u9069\u5408\u81ea\u5df1\u7684\u4e2d\u4ecb\u985e\u578b\u3002\u50b3\u7d71\u4fdd\u96aa\u4ee3\u7406\u4eba\uff08Agent\uff09\u53ea\u8ce3\u81ea\u5bb6\u7522\u54c1\uff0c\u4fdd\u96aa\u7d93\u7d00\uff08Broker\uff09\u53ef\u8de8\u516c\u53f8\u6bd4\u8f03\u4e0d\u540c\u7522\u54c1\uff0c\u800c\u865b\u64ec\u4fdd\u96aa\u5247\u7121\u4e2d\u4ecb\u3001\u7121\u4f63\u91d1\uff0c\u53ef\u76f4\u63a5\u5728\u7db2\u4e0a\u6295\u4fdd\u4eba\u58fd\u3001\u5371\u75be\u3001\u5132\u84c4\u8a08\u5283\uff0c\u6e1b\u4f4e\u6642\u9593\u53ca\u4e2d\u9593\u6210\u672c\uff0c\u4ea6\u66f4\u6709\u53ef\u80fd\u4ee5\u6700\u9ad8\u4fdd\u969c\u5f62\u5f0f\u56de\u994b\u6295\u4fdd\u4eba\uff0c\u771f\u6b63\u5be6\u73fe\u81ea\u4e3b\u6295\u8cc7\uff0c\u9069\u5408\u8ffd\u6c42\u9ad8\u6027\u50f9\u6bd4\u7684\u4f60\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/comparing-insurance-broker-agent\/\">\u62c6\u89e3\u4fdd\u96aa\u7d93\u7d00(Broker)\u3001\u4fdd\u96aa\u4ee3\u7406\u4eba(Agent)\u3001\u865b\u64ec\u4fdd\u96aa\u5206\u5225<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Blue\u7684WeSave \u5132\u84c4\u4fdd\u96aaE1\u8207ST1\uff5c\u77ed\u671f\u9ad8\u606f\u3001\u4fdd\u8b49\u56de\u5831\u7684\u9996\u9078\u5132\u84c4\u65b9\u6848<\/h2>\n\n\n\n<p>\u9000\u4f11\u4e09\u5bf6\u90fd\u662f\u70ba\u61c9\u5c0d\u9577\u9054\u6578\u5341\u5e74\u9000\u4f11\u751f\u6d3b\u7684\u300c\u9577\u58fd\u98a8\u96aa\u300d\uff0c\u672c\u8cea\u4e0a\u5747\u5c6c\u9577\u671f\u751a\u81f3\u7d42\u8eab\u7684\u7684\u6295\u8cc7\u65b9\u6848\uff0c\u4f46\u5176\u5be6\u4e00\u500b\u5065\u5eb7\u7684\u9000\u4f11\u6295\u8cc7\u7d44\u5408\uff0c\u61c9\u662f\u300c\u9577\u77ed\u517c\u5099\u300d\u7684\uff0c\u52a0\u4e0a\u5728\u4f60\u7b26\u5408\u8cc7\u683c\u7533\u8acb\u5e74\u91d1\u6216\u5b89\u8001\u6309\u63ed\u524d\uff0c\u6216\u5728\u7d2f\u7a4d\u9000\u4f11\u672c\u91d1\u6642\uff0c\u4f60\u9700\u8981\u66f4\u9748\u6d3b\u3001\u56de\u5831\u5177\u7af6\u722d\u529b\u7684\u589e\u503c\u5de5\u5177\uff0c\u4ee5\u61c9\u5c0d\u7a81\u767c\u958b\u652f\u3002\u4e3b\u6253\u300c\u4fdd\u8b49\u56de\u5831\u300d\u8207\u300c\u9748\u6d3b\u5e74\u671f\u300d\u7684Blue WeSave \u7cfb\u5217\uff0c<a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/endowment-insurance-promotion\">WeSave\u9ad8\u606f\u5132\u84c4\u4fddE1<\/a>\u53ca <a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a> \u6709\u5225\u65bc\u50b3\u7d71\u5e74\u91d1\u7684\u9577\u5e74\u671f\u627f\u8afe\uff0c\u52a9\u4f60\u5728\u4f4e\u98a8\u96aa\u3001\u9ad8\u56de\u5831\u4e0b\u6efe\u5b58\u8ca1\u5bcc\uff0c\u8b93\u4f60\u5728\u9000\u4f11\u524d\u66f4\u5b89\u5fc3\u3002<\/p>\n\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=\"970\" height=\"250\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr.png\" alt=\"\" class=\"wp-image-14862\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr.png 970w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr-300x77.png 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr-768x198.png 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/a><\/figure>\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\n<p>\u53c3\u8003\u8cc7\u6599\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Yahoo\u8ca1\u7d93 &#8211; <a href=\"https:\/\/hk.finance.yahoo.com\/news\/%E6%BB%99%E8%B1%90%E9%A6%99%E6%B8%AF%E5%AF%8C%E8%A3%95%E4%BA%BA%E5%A3%AB%E8%AA%BF%E6%9F%A5%EF%BC%9A%E9%80%80%E4%BC%91%E8%A6%81860%E8%90%AC%EF%BC%81%E4%BD%A0%E6%BA%96%E5%82%99%E5%A5%BD%E6%9C%AA-233508540.html\">\u6ed9\u8c50\u9999\u6e2f\u5bcc\u88d5\u4eba\u58eb\u8abf\u67e5\uff1a\u9000\u4f11\u8981860\u842c\uff01\u4f60\u6e96\u5099\u597d\u672a?<\/a><\/li>\n\n\n\n<li>\u9999\u6e2f\u5e74\u91d1\u6709\u9650\u516c\u53f8 &#8211; <a href=\"https:\/\/www.hkmca.hk\/chi\/our_business\/hkmc_annuity_plan.html\">\u9999\u6e2f\u5e74\u91d1\u8a08\u5283<\/a><\/li>\n\n\n\n<li>\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8 &#8211; <a href=\"https:\/\/www.hkmc.com.hk\/chi\/our_business\/reverse_mortgage_programme.html\">\u5b89\u8001\u6309\u63ed\u8a08\u5283<\/a><\/li>\n\n\n\n<li>\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8 &#8211; <a href=\"https:\/\/www.hkmc.com.hk\/chi\/our_business\/policy_reverse_mortgage_programme.html\">\u4fdd\u55ae\u9006\u6309\u63ed\u8a08\u5283<\/a><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u514d\u8cac\u8072\u660e\ufe55 \u7522\u54c1\u53ca\u512a\u60e0\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\u3002 \u4e0a\u8ff0\u7522\u54c1\u53ca\u8cc7\u8a0a\u7531Blue Insurance Limited\uff08\u300cBlue\u300d\uff09\u63d0\u4f9b\u3002 \u4e0a\u8ff0\u7522\u54c1\u53ea\u8a08\u5283\u65bc\u9999\u6e2f\u5883\u5167\u51fa\u552e\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1\u76f8\u95dc\u7522\u54c1\u6982\u8981\u53ca\u4fdd\u55ae\u689d\u6b3e\u3002<\/p>\n\n\n\n<p>\u672c\u6587\u520a\u8f09\u7684\u8cc7\u6599\u53ca\u5065\u5eb7\u8cc7\u8a0a\u53ea\u4f9b\u53c3\u8003\uff0c\u4e26\u4e0d\u5c6c\u53ca\u4e0d\u61c9\u88ab\u8996\u4f5c\u70ba\u91ab\u7642\u5efa\u8b70\u3002Blue\u4e0d\u4fdd\u8b49\u8cc7\u8a0a\u7684\u5b8c\u6574\u6027\u548c\u6e96\u78ba\u6027\u3002\u82e5\u4f60\u6709\u4efb\u4f55\u91ab\u7642\u76f8\u95dc\u7591\u554f\uff0c\u61c9\u8aee\u8a62\u91ab\u751f\u6216\u5176\u4ed6\u91ab\u8b77\u5c08\u696d\u4eba\u54e1\u3002\u5c0d\u65bc\u4f60\u56e0\u672c\u6587\u520a\u8f09\u7684\u4efb\u4f55\u8cc7\u8a0a\u800c\u53ef\u80fd\u62db\u81f4\u7684\u640d\u5931\u3001\u640d\u5bb3\u8ce0\u511f\u3001\u8a1f\u8cbb\u6216\u5176\u4ed6\u958b\u652f\u53ca\u8cac\u4efb\uff0cBlue\u6982\u4e0d\u8ca0\u8cac\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u9999\u6e2f\u8ac7\u5230\u9000\u4f11\u7406\u8ca1\uff0c\u4e0d\u5c11\u4eba\u6703\u7591\u60d1\u300c\u7a76\u7adf\u9000\u4f11\u4e09\u5bf6\u662f\u4ec0\u9ebc\uff1f\u300d\uff0c\u5176\u5be6\u662f\u574a\u9593\u5c0d3\u9805\u4e3b\u8981\u9000\u4f11\u73fe\u91d1\u6d41\u5de5\u5177\u7684\u7d71\u7a31\uff0c\u5206\u5225\u5305\u62ec\u9999\u6e2f\u5e74\u91d1\u8a08\u5283\uff08\u7531\u9999\u6e2f\u5e74\u91d1\u6709\u9650\u516c\u53f8\u63d0\u4f9b\uff09\u3001\u9006\u6309\u63ed\u8a08\u5283\u53ca\u4fdd\u55ae\u9006\u6309\u8a08\u5283\uff08\u7686\u7531\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8\u71df\u904b\uff09\u3002\u5176\u4e2d\uff0c\u4ee5\u9000\u4f11\u4e09\u5bf6\u5e74\u91d1\u6700\u70ba\u4eba\u719f\u6089\uff0c\u4f46\u90193\u9805\u8a08\u5283\u5747\u65e8\u5728\u5354\u52a9\u9000\u4f11\u4eba\u58eb\u7372\u53d6\u7a69\u5b9a\u73fe\u91d1\u6d41\uff0c\u6e1b\u8f15\u751f\u6d3b\u58d3\u529b\u3002\u4e0d\u904e\uff0c\u4fdd\u96aa\u7522\u54c1\u901a\u5e38\u4e26\u4e0d\u5305\u542b\u5728\u5176\u4e2d\uff0c\u662f\u5426\u610f\u5473\u8457\u4fdd\u96aa\u7522\u54c1\u5c0d\u9000\u4f11\u4e26\u4e0d\u91cd\u8981\uff1fBlue\u7406\u8ca1\u9054\u4eba\u4ee5\u4e0b\u8207\u5927\u5bb6\u6bd4\u8f03\u9000\u4f11\u4e09\u5bf6\u7684\u4e0d\u540c\u8a08\u5283\uff0c\u4e26\u62c6\u89e3\u4fdd\u96aa\u5728\u80cc\u5f8c\u7684\u89d2\u8272\u3002 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1. \u9999\u6e2f\u5e74\u91d1\u8a08\u5283\uff1a\u7528\u4e00\u7b46\u9322\u63db\u7a69\u5b9a\u6708\u5165 \u9000\u4f11\u4e09\u5bf6\u5e74\u91d1\u8a08\u5283\u6700\u5927\u7684\u7279\u9ede\u662f\u7a69\u5b9a\u6027\u9ad8\u300260\u6b72\u6216\u4ee5\u4e0a\u5408\u8cc7\u683c\u4eba\u58eb\u53ef\u7528\u4e00\u7b46\u8cc7\u91d1\u5411\u9999\u6e2f\u5e74\u91d1\u6709\u9650\u516c\u53f8\uff08HKMC Annuity Limited\uff09\u6295\u4fdd\uff0c\u53ef\u7372\u5b9a\u671f\u6d3e\u767c\u7684\u7a69\u5b9a\u6536\u5165\uff0c\u6d3e\u767c\u671f\u53ef\u9078\u7d42\u8eab\u6216\u6307\u5b9a\u5e74\u671f\u3002\u5e74\u91d1\u7279\u9ede\u5305\u62ec\uff1a \u5e74\u91d1\u901a\u5e38\u88ab\u8996\u70ba\u652f\u4ed8\u57fa\u672c\u751f\u6d3b\u958b\u652f\uff08\u4f8b\u5982\u98df\u7269\u3001\u4ea4\u901a\u3001\u516c\u7528\u4e8b\u696d\u8cbb\u7528\uff09\u7684\u6838\u5fc3\u73fe\u91d1\u4f86\u6e90\uff0c\u5176\u9918\u6295\u8cc7\u6216\u5132\u5099\u53ef\u7528\u4f5c\u65c5\u904a\u3001\u8208\u8da3\u3001\u91ab\u7642\u6216\u61c9\u6025\u7528\u9014\u3002 2. 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