{"id":14934,"date":"2026-04-16T04:10:32","date_gmt":"2026-04-16T04:10:32","guid":{"rendered":"https:\/\/www.blue.com.hk\/blog\/?p=14934"},"modified":"2026-04-16T04:10:33","modified_gmt":"2026-04-16T04:10:33","slug":"how-much-savings-should-i-have-at-30","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/how-much-savings-should-i-have-at-30","title":{"rendered":"30\u6b72\u5b58\u6b3e\u4e2d\u4f4d\u6578\u662f\u591a\u5c11\uff1f\u62c6\u89e330\u6b72\u61c9\u6709\u5132\u84c4\u6a19\u6e96\u53ca\u8ffd\u843d\u5f8c\u7b56\u7565"},"content":{"rendered":"\n<p>\u8e0f\u516530\u6b72\uff0c\u88ab\u7a31\u70ba\u300c\u800c\u7acb\u4e4b\u5e74\u300d\uff0c\u65e2\u662f\u4e8b\u696d\u767c\u5c55\u7684\u95dc\u9375\u5206\u6c34\u5dba\uff0c\u4e5f\u662f\u6aa2\u8996\u8ca1\u52d9\u72c0\u6cc1\u7684\u91cd\u8981\u6642\u523b\u3002\u4e0d\u5c11\u4eba\u90fd\u6703\u554f\uff1a\u300c30\u6b72\u61c9\u6709\u5132\u84c4\u662f\u591a\u5c11\uff1f\u300d\u3001\u300c\u6211\u73fe\u5728\u7684\u5b58\u6b3e\u7b97\u591a\u9084\u662f\u5c11\uff1f\u300d\u3001\u300c\u6211\u7684\u5132\u84c4\u6c34\u5e73\u8207\u540c\u9f61\u4eba\u76f8\u6bd4\u5230\u5e95\u8655\u65bc\u54ea\u4e00\u500b\u4f4d\u7f6e\uff1f\u300d\uff0c<a 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kb-table14934_c93790-a6\">\n<style>.kb-table-container .kb-table tr.kb-table-row14934_613122-95{background-color:#63a7ff;}<\/style><tr class=\"kb-table-row kb-table-row14934_613122-95\">\n<th class=\"kb-table-data kb-table-data14934_5f0135-49\">\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-1fd944bacd49a7351dfbce0dcd19f2ca\"><strong>\u5132\u84c4\u91d1\u984d\uff08HKD\uff09<\/strong><\/p>\n\n<\/14934_5f0135-49>\n\n<th class=\"kb-table-data kb-table-data14934_f7dfb5-a1\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-8daabe4afcd86b7de825ea9397e7d962\"><strong>\u8ca1\u52d9\u72c0\u614b<\/strong><\/p>\n\n<\/14934_f7dfb5-a1>\n<\/tr>\n\n<style>.kb-table-container .kb-table tr.kb-table-row14934_67c38a-73{background-color:var(--ast-global-color-4);}<\/style><tr class=\"kb-table-row kb-table-row14934_67c38a-73\">\n<th class=\"kb-table-data kb-table-data14934_3712dc-ac\">\n\n<p>10\u842c\u81f320\u842c<\/p>\n\n<\/14934_3712dc-ac>\n\n<td class=\"kb-table-data kb-table-data14934_5f7cd0-5f\">\n\n<p>\u8db3\u4ee5\u61c9\u4ed8\u7d046\u500b\u6708\u751f\u6d3b\u958b\u652f\u7684\u7dca\u6025\u5099\u7528\u91d1\uff0c\u9762\u5c0d\u77ed\u671f\u7a81\u767c\u72c0\u6cc1\u4e0d\u81f4\u65bc\u6349\u895f\u898b\u8098\uff0c\u4f46\u4ecd\u9700\u8981\u63d0\u5347\u5132\u84c4\u6bd4\u7387\u8207\u73fe\u91d1\u6d41\u7de9\u885d\u3002<\/p>\n\n<\/14934_5f7cd0-5f>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14934_adbf9d-a3\">\n<th class=\"kb-table-data kb-table-data14934_8d4221-30\">\n\n<p>30\u842c\u81f350\u842c<\/p>\n\n<\/14934_8d4221-30>\n\n<td class=\"kb-table-data kb-table-data14934_c57be5-26\">\n\n<p>\u8cc7\u91d1\u76f8\u7576\u65bc\u7d04\u4e00\u5e74\u751f\u6d3b\u958b\u652f\uff0c\u9762\u5c0d\u8f49\u5de5\u3001\u77ed\u66ab\u5931\u696d\u6216\u7a81\u767c\u958b\u652f\u6709\u4e00\u5b9a\u7684\u6297\u98a8\u96aa\u80fd\u529b\u3002<\/p>\n\n<\/14934_c57be5-26>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14934_4693b2-38\">\n<th class=\"kb-table-data kb-table-data14934_6c1604-d7\">\n\n<p>80\u842c\u81f3100\u842c<\/p>\n\n<\/14934_6c1604-d7>\n\n<td class=\"kb-table-data kb-table-data14934_26b3bb-6f\">\n\n<p>\u5132\u84c4\u8207\u6295\u8cc7\u7d2f\u7a4d\u8f03\u70ba\u624e\u5be6\uff0c\u5df2\u5177\u5099\u4f5c\u9996\u671f\u3001\u5275\u696d\u6216\u9577\u7dda\u6295\u8cc7\u7684\u8cc7\u672c\uff0c\u8ca1\u52d9\u5b89\u5168\u611f\u66f4\u5f37\u3002<\/p>\n\n<\/14934_26b3bb-6f>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14934_a88965-4a\">\n<th class=\"kb-table-data kb-table-data14934_0e6e8f-a4\">\n\n<p>150\u842c\u4ee5\u4e0a<\/p>\n\n<\/14934_0e6e8f-a4>\n\n<td 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class=\"wp-block-heading\">\u5132100\u842c\u8981\u5e7e\u8010\uff1f\u7528\u6578\u5b57\u8a71\u4f60\u77e5<\/h2>\n\n\n\n<p>\u9664\u4e8630\u6b72\u5b58\u6b3e\u4e2d\u4f4d\u6578\u4e4b\u5916\uff0c\u5b58\u6b3e\u4fdd\u969c\u59d4\u54e1\u6703\u7684\u300c\u5132\u84c4\u5b89\u5168\u611f\u300d\u8abf\u67e5\u4ea6\u986f\u793a\uff0c\u53d7\u8a2a\u8005\u666e\u904d\u8a8d\u70ba\uff0c\u5982\u8981\u7dad\u6301\u4e00\u5e74\u73fe\u6709\u751f\u6d3b\u6c34\u5e73\uff0c\u5e73\u5747\u9700\u8981\u7d04102\u842c\u6e2f\u5143\u7684\u5132\u84c4\u6216\u6d41\u52d5\u8cc7\u7522\uff0c\u624d\u6703\u5c0d\u8ca1\u52d9\u72c0\u6cc1\u6709\u8db3\u5920\u300c\u5b89\u5168\u611f\u300d\u3002[1]<\/p>\n\n\n\n<p>\u5132100\u842c\u8981\u5e7e\u8010\uff1f\u6211\u5011\u53ef\u4ee5\u7528\u5e7e\u500b\u7c21\u55ae\u5047\u8a2d\uff0c\u628a\u76ee\u6a19\u91cf\u5316\u6210\u300c\u6bcf\u6708\u8981\u5132\u5e7e\u591a\u3001\u8981\u5132\u5e7e\u8010\u300d\u7684\u5be6\u969b\u6578\u5b57\uff0c\u8b93\u4f60\u66f4\u5bb9\u6613\u5224\u65b7\u81ea\u5df1\u76ee\u524d\u7684\u6b65\u4f10\u662f\u5426\u5728\u5408\u7406\u7bc4\u570d\u4e4b\u5167\uff1a<\/p>\n\n\n\n<ul 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class=\"wp-block-heading\">30\u6b72\u5132\u84c4\u8ffd\u843d\u5f8c\u653b\u7565\uff1a\u7531\u96f6\u958b\u59cb\u7684\u7121\u75db\u7406\u8ca1\u65b9\u6cd5<\/h2>\n\n\n\n<p>\u5c31\u7b97\u4f60\u89ba\u5f97\u81ea\u5df1\u300c\u8d77\u6b65\u6bd4\u4eba\u9072\u300d\uff0c\u843d\u5f8c\u65bc30\u6b72\u5b58\u6b3e\u4e2d\u4f4d\u6578\uff0c\u73fe\u5728\u958b\u59cb\u4f9d\u7136\u6709\u5f88\u5927\u7684\u8ffd\u8d95\u7a7a\u9593\u3002\u5047\u8a2d\u4f6030\u6b72\u624d\u958b\u59cb\u5132\u84c4\uff0c\u76f4\u81f360\u81f365\u6b72\u9000\u4f11\uff0c\u4ecd\u7136\u6709\u9577\u905430\u81f335\u5e74\u7684\u6642\u9593\u53ef\u4ee5\u900f\u904e\u5b9a\u671f\u5132\u84c4\u914d\u5408\u8907\u606f\u6548\u61c9\uff0c\u9010\u6b65\u7d2f\u7a4d\u53ef\u89c0\u7684\u9000\u4f11\u8cc7\u7522\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u5e7e\u500b\u7406\u8ca1\u65b9\u6cd5\uff0c\u53ef\u4ee5\u5e6b\u52a9\u4f60\u572830\u6b72\u4e4b\u5f8c\u5132\u84c4\uff0c\u4e5f\u80fd\u8ffd\u843d\u5f8c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u61c9\u752850\/30\/20\u6cd5\u5247\uff1a\u4ee550%\u4f5c\u5fc5\u9700\u958b\u652f\uff08\u79df\u91d1\u3001\u4ea4\u901a\u3001\u4f19\u98df\uff09\u300130%\u4f5c\u65e5\u5e38\u6d88\u8cbb\uff08\u5a1b\u6a02\u3001\u8cfc\u7269\uff09\uff0c\u9918\u4e0b20%\u4f5c\u5132\u84c4\u53ca\u6295\u8cc7\u3002\u4e4b\u5f8c\u53ef\u8996\u4e4e\u6536\u5165\u60c5\u6cc1\u9010\u6b65\u5c07\u5132\u84c4\u6bd4\u4f8b\u63d0\u5347\u3002<\/li>\n\n\n\n<li>\u5206\u5e33\u7ba1\u7406\uff1a\u5c07\u6236\u53e3\u5206\u70ba\u300c\u65e5\u5e38\u958b\u652f\u5e33\u6236\u300d\u3001\u300c\u5132\u84c4\u6216\u6295\u8cc7\u5e33\u6236\u300d\u53ca\u300c\u7dca\u6025\u9810\u5099\u91d1\u5e33\u6236\u300d\uff0c\u51fa\u7ce7\u7576\u65e5\u5c0720%\u81f330%\u7684\u6536\u5165\u76f4\u63a5\u8f49\u5165\u7368\u7acb\u5132\u84c4\u6216\u6295\u8cc7\u6236\u53e3\uff0c\u628a\u5132\u84c4\u8996\u70ba\u300c\u5fc5\u9700\u958b\u652f\u300d\uff0c\u6709\u52a9\u907f\u514d\u4e0d\u81ea\u89ba\u52d5\u7528\u672c\u4f86\u9810\u7559\u4f5c\u5132\u84c4\u7684\u8cc7\u91d1\u3002<\/li>\n\n\n\n<li>\u524a\u6e1b\u975e\u5fc5\u8981\u652f\u51fa\uff1a\u5b9a\u671f\u6aa2\u8996\u8a02\u95b1\u670d\u52d9\uff08\u4e32\u6d41\u5e73\u53f0\u3001\u5065\u8eab\u6703\u7c4d\u3001\u4ed8\u8cbb\u6703\u54e1\u7b49\uff09\u3001\u5916\u98df\u6b21\u6578\u53ca\u5373\u8208\u8cfc\u7269\uff0c\u512a\u5148\u53d6\u6d88\u4f4e\u4f7f\u7528\u7387\u3001\u4f4e\u6eff\u8db3\u611f\u7684\u652f\u51fa\uff0c\u628a\u91cb\u653e\u51fa\u4f86\u7684\u91d1\u984d\u7d0d\u5165\u56fa\u5b9a\u5132\u84c4\u3002<\/li>\n\n\n\n<li>\u589e\u52a0\u4e3b\u696d\u6536\u5165\uff1a30\u6b72\u662f\u8077\u6daf\u767c\u5c55\u7684\u91cd\u8981\u968e\u6bb5\uff0c\u900f\u904e\u9032\u4fee\u8003\u724c\u3001\u722d\u53d6\u6649\u5347\u3001\u8df3\u69fd\u81f3\u66f4\u9ad8\u85aa\u884c\u696d\u6216\u627f\u63a5\u5c08\u696d\u526f\u696d\uff0c\u53ef\u4ee5\u66f4\u6709\u6548\u63d0\u534730\u6b72\u4e4b\u5f8c\u7684\u5132\u84c4\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u8a2d\u5b9a\u6e05\u6670\u3001\u53ef\u91cf\u5316\u7684\u5132\u84c4\u76ee\u6a19\uff1a\u4f8b\u59823\u5e74\u5167\u513230\u842c\u4f5c\u7f6e\u696d\u9996\u671f\u30015\u5e74\u5167\u5b8c\u6210\u7b2c\u4e00\u6876\u91d150\u842c\u7b49\uff0c\u4e26\u5b9a\u671f\u6aa2\u8996\u9032\u5ea6\uff0c\u5bb9\u6613\u4fdd\u6301\u52d5\u529b\u3002<\/li>\n\n\n\n<li>\u5efa\u7acb\u5e74\u5ea6\u6aa2\u8996\u7fd2\u6163\uff1a\u6bcf\u5e74\u56fa\u5b9a\u6aa2\u8996\u4e00\u6b21\u81ea\u5df1\u7684\u8cc7\u7522\u8ca0\u50b5\u8868\uff08\u6536\u5165\u3001\u652f\u51fa\u3001\u8cc7\u7522\u3001\u8ca0\u50b5\uff09\uff0c\u6aa2\u67e5\u5132\u84c4\u7387\u6709\u6c92\u6709\u63d0\u5347\u3001\u6295\u8cc7\u6bd4\u4f8b\u662f\u5426\u5408\u9069\uff0c\u5fc5\u8981\u6642\u8abf\u657430\u6b72\u5f8c\u7684\u61c9\u6709\u5132\u84c4\u76ee\u6a19\u548c\u5de5\u5177\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u9ede\u63c0\u6700\u9069\u5408\u81ea\u5df1\u7684\u5132\u84c4\u5de5\u5177\uff1f\u5132\u84c4\u96aaVS\u5b9a\u671f\u5b9a\u984dETF<\/h2>\n\n\n\n<p>\u7576\u4f60\u958b\u59cb\u6709\u7a69\u5b9a\u5132\u84c4\u5f8c\uff0c\u4e0b\u4e00\u6b65\u5c31\u662f\u5584\u7528\u4e0d\u540c\u5de5\u5177\uff0c\u52a0\u5feb30\u6b72\u4e4b\u5f8c\u7684\u5132\u84c4\u9032\u5ea6\uff0c\u540c\u6642\u78ba\u4fdd\u8cc7\u91d1\u5b89\u5168\u3002\u6c92\u6709\u4e00\u7a2e\u6700\u597d\u7684\u5132\u84c4\u5de5\u5177\uff0c\u53ea\u6709\u8207\u4f60\u7684\u76ee\u6a19\u6700\u5339\u914d\u7684\u5132\u84c4\u5de5\u5177\uff1a<\/p>\n\n\n\n<p><strong>\u9069\u540830\u6b72\u7684\u88ab\u52d5\u6536\u5165\u5efa\u7acb\u65b9\u6cd5\uff1a<\/strong><\/p>\n\n\n<style>.kb-table-container14934_740859-2b{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container14934_740859-2b .kb-table14934_740859-2b{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container14934_740859-2b .kb-table14934_740859-2b thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container14934_740859-2b .kb-table14934_740859-2b thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container14934_740859-2b .kb-table14934_740859-2b tbody tr:last-child td:first-child, .kb-table-container14934_740859-2b .kb-table14934_740859-2b tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container14934_740859-2b .kb-table14934_740859-2b tbody tr:last-child td:last-child, .kb-table-container14934_740859-2b .kb-table14934_740859-2b tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container14934_740859-2b{overflow-x:auto;}.kb-table-container .kb-table14934_740859-2b th{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#63a7ff;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-table14934_740859-2b th ul, .kb-table-container .kb-table14934_740859-2b th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table14934_740859-2b 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-table14934_740859-2b td ul, .kb-table-container .kb-table14934_740859-2b td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table14934_740859-2b tr{background-color:var(--ast-global-color-4);}.kb-table-container .kb-table14934_740859-2b td:nth-of-type(0){background-color:rgba(255,255,255,0);}.kb-table-container .kb-table14934_740859-2b th:nth-of-type(1){background-color:rgba(255,255,255,0);}.kb-table-container .kb-table14934_740859-2b td, .kb-table14934_740859-2b 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-table14934_740859-2b td, .kb-table14934_740859-2b 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-table14934_740859-2b td, .kb-table14934_740859-2b 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-container14934_740859-2b wp-block-kadence-table\"><table class=\"kb-table kb-table14934_740859-2b\">\n<style>.kb-table-container .kb-table tr.kb-table-row14934_a71306-1a{background-color:#63a7ff;}<\/style><tr class=\"kb-table-row kb-table-row14934_a71306-1a\">\n<th class=\"kb-table-data kb-table-data14934_a086bc-aa\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-eb22f8f54a63213972268d7fa80bdf00\"><strong>\u985e\u578b<\/strong><\/p>\n\n<\/14934_a086bc-aa>\n\n<th class=\"kb-table-data kb-table-data14934_a07fb0-fe\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-f1876fc82d172c7be7eded4d1a02007a\"><strong>\u7406\u8ca1\u5de5\u5177<\/strong><\/p>\n\n<\/14934_a07fb0-fe>\n\n<th class=\"kb-table-data kb-table-data14934_37d3b4-5e\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-7affb4f35a241f3770de7e04fd63c348\"><strong>\u9810\u671f\u56de\u5831<\/strong><\/p>\n\n<\/14934_37d3b4-5e>\n\n<th class=\"kb-table-data kb-table-data14934_d98d32-98\">\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<\/14934_d98d32-98>\n\n<th class=\"kb-table-data kb-table-data14934_10a46c-2c\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-376fca7a33268b1089dbc7e1488848d3\"><strong>\u9069\u5408\u985e\u578b<\/strong><\/p>\n\n<\/14934_10a46c-2c>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14934_6a2992-e7\">\n<th class=\"kb-table-data kb-table-data14934_3cfac6-da\">\n\n<p>\u77ed\u671f\u5132\u84c4<\/p>\n\n<\/14934_3cfac6-da>\n\n<td class=\"kb-table-data kb-table-data14934_156713-ac\">\n\n<p>\u5b9a\u671f\u5b58\u6b3e\u3001 \u9ad8\u606f\u6d3b\u671f\u5b58\u6b3e<\/p>\n\n<\/14934_156713-ac>\n\n<td class=\"kb-table-data kb-table-data14934_ce5cdd-e6\">\n\n<p>\u7d043%\u81f34%<\/p>\n\n<\/14934_ce5cdd-e6>\n\n<td class=\"kb-table-data kb-table-data14934_22f50a-a1\">\n\n<p>\u4f4e<\/p>\n\n<\/14934_22f50a-a1>\n\n<td class=\"kb-table-data kb-table-data14934_3b30e2-64\">\n\n<p>\u517c\u9867\u4fdd\u672c\u53ca\u4e00\u5b9a\u5229\u606f\u56de\u5831\uff0c\u7528\u4f5c\u77ed\u671f\u5132\u84c4\u6216\u7dca\u6025\u9810\u5099\u91d1\uff0c\u9069\u5408\u9700\u8981\u4fdd\u7559\u8f03\u9ad8\u73fe\u91d1\u5f48\u6027\u7684\u4eba\u58eb\u3002<\/p>\n\n<\/14934_3b30e2-64>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14934_90f191-e1\">\n<th class=\"kb-table-data kb-table-data14934_0bd64c-b7\">\n\n<p>\u4e2d\u9577\u7dda\u5132\u84c4<\/p>\n\n<\/14934_0bd64c-b7>\n\n<td class=\"kb-table-data kb-table-data14934_1196e0-62\">\n\n<p>\u5132\u84c4\u4fdd\u96aa<\/p>\n\n<\/14934_1196e0-62>\n\n<td class=\"kb-table-data kb-table-data14934_b4dec8-5b\">\n\n<p>4%\u81f36%<\/p>\n\n<\/14934_b4dec8-5b>\n\n<td class=\"kb-table-data kb-table-data14934_a5decd-cb\">\n\n<p>\u4f4e<\/p>\n\n<\/14934_a5decd-cb>\n\n<td class=\"kb-table-data kb-table-data14934_163d2a-ff\">\n\n<p>\u5e0c\u671b\u900f\u904e\u5b9a\u671f\u4f9b\u6b3e\u5efa\u7acb\u5132\u84c4\u7fd2\u6163\uff0c\u540c\u6642\u70ba\u4e2d\u9577\u7dda\u8ca1\u52d9\u76ee\u6a19\u53ca\u57fa\u672c\u4fdd\u969c\u4f5c\u898f\u5283\u7684\u4eba\u58eb\u3002<\/p>\n\n<\/14934_163d2a-ff>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14934_eeaa63-4f\">\n<th class=\"kb-table-data kb-table-data14934_4c9436-dc\">\n\n<p>\u9577\u7dda\u6295\u8cc7<\/p>\n\n<\/14934_4c9436-dc>\n\n<td class=\"kb-table-data kb-table-data14934_b59c40-d9\">\n\n<p>\u5b9a\u671f\u5b9a\u984d ETF<\/p>\n\n<\/14934_b59c40-d9>\n\n<td class=\"kb-table-data kb-table-data14934_f457ff-f4\">\n\n<p>\u7d046%\u81f39%(\u50f9\u683c\u6ce2\u52d5\u8f03\u5927)<\/p>\n\n<\/14934_f457ff-f4>\n\n<td class=\"kb-table-data kb-table-data14934_1f1b7c-6b\">\n\n<p>\u9ad8<\/p>\n\n<\/14934_1f1b7c-6b>\n\n<td class=\"kb-table-data kb-table-data14934_aa70e3-ca\">\n\n<p>\u9858\u610f\u627f\u53d7\u5e02\u5834\u6ce2\u52d5\uff0c\u4ee5\u9577\u7dda\u8cc7\u7522\u589e\u503c\u70ba\u76ee\u6a19\uff0c\u4e26\u6709\u7d00\u5f8b\u5b9a\u671f\u6295\u5165\u8cc7\u91d1\u7684\u6295\u8cc7\u8005\u3002<\/p>\n\n<\/14934_aa70e3-ca>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14934_78b57f-95\">\n<th class=\"kb-table-data kb-table-data14934_46a251-eb\">\n\n<p>\u88ab\u52d5\u6536\u5165\uff0f\u6536\u606f\u73fe\u91d1\u6d41<\/p>\n\n<\/14934_46a251-eb>\n\n<td class=\"kb-table-data kb-table-data14934_f23719-f0\">\n\n<p>\u9ad8\u606f\uff0f\u6536\u606f\u578b ETF\u3001\u80a1\u606f\u80a1\u7968\u3001\u6536\u606f\u57fa\u91d1<\/p>\n\n<\/14934_f23719-f0>\n\n<td class=\"kb-table-data kb-table-data14934_33a7de-6a\">\n\n<p>\u7d043%\u81f37%(\u8996\u7522\u54c1\u800c\u5b9a\uff0c\u6709\u6ce2\u52d5)<\/p>\n\n<\/14934_33a7de-6a>\n\n<td class=\"kb-table-data kb-table-data14934_87ea60-01\">\n\n<p>\u4e2d\u81f3\u9ad8<\/p>\n\n<\/14934_87ea60-01>\n\n<td class=\"kb-table-data kb-table-data14934_aaf7d3-12\">\n\n<p>\u5e0c\u671b\u9010\u6b65\u5efa\u7acb\u7a69\u5b9a\u88ab\u52d5\u6536\u5165\uff0c\u4f8b\u5982\u6bcf\u5b63\u6216\u6bcf\u5e74\u6536\u53d6\u80a1\u606f\uff0f\u5229\u606f\uff0c\u7528\u4f5c\u88dc\u8cbc\u751f\u6d3b\u6216\u518d\u6295\u8cc7\u7684\u4eba\u58eb\u3002<\/p>\n\n<\/14934_aaf7d3-12>\n<\/tr>\n<\/table><\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Blue WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd \u70ba\u7406\u8ca1\u65b0\u624b\u8ffd\u843d\u5f8c\u7684\u7b2c\u4e00\u6b65<\/h2>\n\n\n\n<p>\u4e86\u89e330\u6b72\u5b58\u6b3e\u4e2d\u4f4d\u6578\u548c\u61c9\u6709\u5132\u84c4\u4e4b\u5f8c\uff0c\u4f60\u53ef\u80fd\u6703\u958b\u59cb\u601d\u8003\uff1a\u81ea\u5df1\u73fe\u5728\u7684\u9032\u5ea6\u7b97\u4e0d\u7b97\u843d\u5f8c\uff1f\u4e0b\u4e00\u6b65\u53c8\u61c9\u8a72\u5982\u4f55\u90e8\u7f72\uff1f<\/p>\n\n\n\n<p>30\u6b72\u662f\u6aa2\u8996\u672a\u4f86\u5132\u84c4\u548c\u8ca1\u52d9\u65b9\u5411\u7684\u95dc\u9375\u968e\u6bb5\u3002\u7121\u8ad6\u4f60\u6b63\u70ba\u7d50\u5a5a\u3001\u7f6e\u696d\u9996\u671f\uff0c\u9084\u662f\u5e0c\u671b\u5728\u9000\u4f11\u524d\u6253\u597d\u8cc7\u7522\u57fa\u790e\uff0c\u90fd\u61c9\u8a72\u53ca\u65e9\u70ba\u81ea\u5df1\u5efa\u7acb\u4e00\u5957\u6e05\u6670\u7684\u7406\u8ca1\u53ca\u5132\u84c4\u898f\u5283\u3002<\/p>\n\n\n\n<p>\u9078\u64c7\u5408\u9069\u81ea\u5df1\u7684\u5132\u84c4\u5de5\u5177\u5341\u5206\u91cd\u8981\uff0cBlue <a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment?discountCode=SEMST1&amp;utm_source=google%20&amp;utm_campaign=dm-ws-adbau&amp;utm_medium=search&amp;utm_content=ST1_copy__copy_MarAlwaysOn2026Countdown_00000&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=18845077341&amp;gbraid=0AAAAAC-iOKqr0alu0jWHJlxm3uXEvHTsG&amp;gclid=CjwKCAjw687NBhB4EiwAQ645dky3RaQrtCqvKVrJr0asxhETeM15qt8O28s8n2Gb2NKnH5zUsx2-UxoC4rIQAvD_BwE\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a> \u6709\u5225\u65bc\u5e74\u91d1\u6216\u9577\u671f\u5132\u84c4\u4fdd\u96aa\uff0c\u63d0\u4f9b\u77ed\u671f\u9ad8\u606f\u517c\u4fdd\u8b49\u56de\u5831\uff0c3\u5e74\u671f\u6eff\u53ef\u7372\u6bcf\u5e743.81%\u4fdd\u8b49\u56de\u5831\u7387\uff0c\u8b93\u4f60\u5728\u7d2f\u7a4d\u8ca1\u5bcc\u7684\u540c\u6642\uff0c\u4f9d\u7136\u4fdd\u6709\u61c9\u5c0d\u9032\u4fee\u3001\u5275\u696d\u6216\u7a81\u767c\u958b\u652f\u7684\u73fe\u91d1\u6d41\uff0c\u800c\u4e14\u8db3\u4e0d\u51fa\u6236\u5373\u53ef\u5b8c\u6210\u6295\u4fdd\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment?discountCode=SEMST1&amp;utm_source=google%20&amp;utm_campaign=dm-ws-adbau&amp;utm_medium=search&amp;utm_content=ST1_copy__copy_MarAlwaysOn2026Countdown_00000&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=18845077341&amp;gbraid=0AAAAAC-iOKqr0alu0jWHJlxm3uXEvHTsG&amp;gclid=CjwKCAjw687NBhB4EiwAQ645dky3RaQrtCqvKVrJr0asxhETeM15qt8O28s8n2Gb2NKnH5zUsx2-UxoC4rIQAvD_BwE\">Blue WeSave ST1 <\/a>\u7279\u5225\u9069\u5408\u4ee5\u4e0b\u985e\u578b\u7684\u5132\u84c4\u6216\u7406\u8ca1\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u60f3\u88ab\u9577\u671f\u9396\u5b9a\u8cc7\u91d1\uff0c\u4f46\u53c8\u5e0c\u671b\u6709\u6bd4\u4e00\u822c\u5132\u84c4\u66f4\u5177\u5438\u5f15\u529b\u7684\u56fa\u5b9a\u56de\u5831<\/li>\n\n\n\n<li>\u60f3\u5148\u5efa\u7acb\u7a69\u5b9a\u5132\u84c4\u7d00\u5f8b\uff0c\u4e4b\u5f8c\u518d\u914d\u5408\u5176\u4ed6\u6295\u8cc7\u5de5\u5177\u9010\u6b65\u52a0\u5f37\u914d\u7f6e<\/li>\n\n\n\n<li>\u60f3\u4eab\u6709\u4fdd\u8b49\u56de\u5831\uff0c\u5faa\u5e8f\u6f38\u9032\u555f\u52d5\u8907\u606f\u6548\u61c9\uff0c\u4f46\u66ab\u6642\u672a\u6e96\u5099\u597d\u627f\u53d7\u592a\u5927\u6295\u8cc7\u6ce2\u52d5\u7684\u7406\u8ca1\u65b0\u624b<\/li>\n<\/ul>\n\n\n\n<p>\u6108\u65e9\u958b\u59cb\uff0c\u6108\u80fd\u5229\u7528\u6642\u9593\u8207\u8907\u606f\u6548\u61c9\u66ff\u4f60\u5de5\u4f5c\u3002\u7576\u4f60\u9858\u610f\u8e0f\u51fa\u7b2c\u4e00\u6b65\uff0c\u4e4b\u5f8c\u6bcf\u4e00\u6b21\u300c\u81ea\u52d5\u5132\u84c4\u300d\u8207\u300c\u7a69\u5b9a\u6efe\u5b58\u300d\uff0c\u90fd\u5728\u9ed8\u9ed8\u63a8\u52d5\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1\u5411\u524d\u3002\u73fe\u5728\u5c31\u6295\u4fdd\uff0c\u70ba\u4f60\u7684\u6bcf\u4e00\u5206\u9322\u90fd\u767c\u63ee\u6700\u5927\u6548\u7528\uff01<\/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<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n\n\n<p><strong>30 \u6b72\u8981\u5132\u5230\u5e7e\u591a\u9322\u5148\u7b97\u6b63\u5e38\uff1f<\/strong><br>\u5b8c\u5168\u4e0d\u6703\u3002\u8ddd\u96e2\u9000\u4f11\u5e74\u9f61\u4ecd\u6709\u7d0430\u81f335\u5e74\u6642\u9593\uff0c\u95dc\u9375\u5728\u65bc\u5584\u7528\u300c\u8907\u606f\u6548\u61c9\u300d\u3002\u53ea\u8981\u5f9e\u4eca\u5929\u958b\u59cb\u5efa\u7acb\u7d00\u5f8b\uff0c\u54ea\u6015\u6bcf\u6708\u5132\u84c4\u6bd4\u4f8b\u589e\u52a05%\uff0c\u9577\u671f\u4e0b\u4f86\u7684\u8cc7\u7522\u5dee\u7570\u4e5f\u6703\u975e\u5e38\u986f\u8457\u3002<\/p>\n\n\n\n<p><strong>30\u6b72\u61c9\u5426\u5c07\u6240\u6709\u5132\u84c4\u7528\u4f5c\u8cb7\u6a13\u9996\u671f\uff1f<\/strong><br>\u4e0d\u5efa\u8b70\u628a\u6240\u6709\u5132\u84c4\u4e00\u6b21\u904e\u6295\u653e\u5728\u7f6e\u696d\u9996\u671f\u3002\u8f03\u7a69\u59a5\u7684\u505a\u6cd5\uff0c\u662f\u5728\u9810\u7559\u81f3\u5c113\u81f36\u500b\u6708\u751f\u6d3b\u8cbb\u4f5c\u7dca\u6025\u9810\u5099\u91d1\u4e4b\u5f8c\uff0c\u624d\u8003\u616e\u5c07\u5269\u9918\u90e8\u5206\u7528\u65bc\u7f6e\u696d\u9996\u671f\uff0c\u4e26\u540c\u6642\u9810\u7b97\u5370\u82b1\u7a05\u3001\u5f8b\u5e2b\u8cbb\u53ca\u57fa\u672c\u88dd\u4fee\u7b49\u958b\u652f\uff0c\u907f\u514d\u51fa\u73fe\u300c\u6709\u6a13\u7121\u73fe\u91d1\u300d\u800c\u4ee4\u8ca1\u52d9\u58d3\u529b\u904e\u5927\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<br>1. \u9999\u6e2f\u7d93\u6fdf\u65e5\u5831 &#8211; <a href=\"https:\/\/inews.hket.com\/article\/4055394\/%E5%84%B2%E9%8C%A2%E9%80%80%E4%BC%91%EF%BD%9C2025%E5%B9%B4%E6%B8%AF%E4%BA%BA%E6%9C%88%E5%9D%87%E5%84%B2%E8%93%8410100%E5%85%83%E3%80%81%E6%AD%B7%E5%B9%B4%E8%AA%BF%E6%9F%A5%E9%A6%96%E7%A0%B4%E8%90%AC%E3%80%8018%E8%87%B329%E6%AD%B2%E6%9C%88%E5%9D%87%E5%84%B2%E9%8C%A210900%E5%85%83\">\u5132\u9322\u9000\u4f11\uff5c2025\u5e74\u6e2f\u4eba\u6708\u5747\u5132\u84c410100\u5143\u3001\u6b77\u5e74\u8abf\u67e5\u9996\u7834\u842c 18\u81f329\u6b72\u6708\u5747\u5132\u932210900\u5143<\/a><br>2. &nbsp;\u5bcc\u9054\u9999\u6e2f &#8211; <a href=\"https:\/\/retirement.fidelity.com.hk\/retirement-savings-guidelines\/#\/savings-factor\/article\">\u5be6\u73fe\u7406\u60f3\u8ca1\u52d9\u5065\u5eb7 &#8211; \u9000\u4f11\u5132\u84c4\u6cd5\u5247<\/a><br>3. \u9999\u6e2f01 &#8211; <a href=\"https:\/\/www.hk01.com\/article\/60314753?utm_source=01articlecopy&amp;utm_medium=referral\">\u6700\u65b0\u4eba\u5de5\u4e2d\u4f4d\u6578\u2502\u6708\u85aa\u5462\u500b\u6578\u9ad8\u904e\u4e00\u534a\u6253\u5de5\u4ed4\uff01\u6700\u65b0\u5404\u884c\u696d\u8077\u7d1a\u4eba\u5de5<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u300cWeSave\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fddST1\u300d\u70ba\u5132\u84c4\u4fdd\u96aa\u8a08\u5283\uff0c\u4e26\u975e\u9280\u884c\u5132\u84c4\u7522\u54c1\u3002<\/p>\n\n\n\n<p>\u514d\u8cac\u8072\u660e\ufe55\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\u7522\u54c1\u53ca\u512a\u60e0\u5747\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1\u76f8\u95dc\u7522\u54c1\u6982\u8981\u53ca\u4fdd\u55ae\u689d\u6b3e\u3002 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