{"id":15018,"date":"2026-04-30T09:22:43","date_gmt":"2026-04-30T09:22:43","guid":{"rendered":"https:\/\/www.blue.com.hk\/blog\/?p=15018"},"modified":"2026-04-30T09:22:44","modified_gmt":"2026-04-30T09:22:44","slug":"how-much-of-your-salary-should-you-save","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-of-your-salary-should-you-save","title":{"rendered":"\u85aa\u6c34\u5132\u84c4\u6bd4\u4f8b\u591a\u5c11\u624d\u5920\uff1f\u6bcf\u6708\u5132\u84c4\u6bd4\u4f8b\uff0b\u6295\u8cc7\u7406\u8ca1\u65b9\u6cd5\u5206\u4eab"},"content":{"rendered":"\n<p>\u4e0d\u8ad6\u4f60\u662f\u525b\u525b\u6295\u8eab\u793e\u6703\u7684\u8077\u5834\u65b0\u9bae\u4eba\uff0c\u9084\u662f\u5df2\u7d93\u5de5\u4f5c\u6578\u5e74\u7684\u6253\u5de5\u4ed4\uff0c\u6bcf\u7576\u51fa\u7ce7\u6642\uff0c\u8166\u6d77\u4e2d\u7e3d\u6703\u6d6e\u73fe\u4e00\u500b\u554f\u984c\uff1a\u300c\u85aa\u6c34\u5132\u84c4\u6bd4\u4f8b\u591a\u5c11\u624d\u5920\uff1f\u300d\u770b\u8457\u6236\u53e3\u6578\u5b57\uff0c\u6709\u6642\u96e3\u514d\u6703\u5c0d\u81ea\u5df1\u7684\u8ca1\u52d9\u9032\u5ea6\u611f\u5230\u8ff7\u60d8\u3002<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/financial-tips\/\">Blue\u7406\u8ca1\u9054\u4eba<\/a>\u5c07\u6df1\u5165\u5256\u6790\u7406\u60f3\u6bcf\u6708\u5132\u84c4\u6bd4\u4f8b\uff0c\u4e26\u70ba\u4e0d\u540c\u4eba\u751f\u968e\u6bb5\u63d0\u4f9b\u5207\u5be6\u53ef\u884c\u7684\u8cc7\u7522\u914d\u7f6e\u8207\u7406\u8ca1\u5165\u9580\u5efa\u8b70\uff0c\u52a9\u4f60\u5728\u9ad8\u6d88\u8cbb\u7684\u9999\u6e2f\u4e00\u6b65\u6b65\u9081\u5411\u8ca1\u52d9\u81ea\u7531\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7406\u60f3\u6bcf\u6708\u5132\u84c4\u6bd4\u4f8b\u662f\u591a\u5c11\uff1f\u9999\u6e2f30\u6b72\u5e73\u5747\u5132\u84c4\u6bd4\u4f8b\u53c3\u8003<\/h2>\n\n\n\n<p>\u8981\u4e86\u89e3\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\u662f\u5426\u5065\u5eb7\uff0c\u9996\u5148\u8981\u5efa\u7acb\u4e00\u500b\u6e05\u6670\u7684\u300c\u7406\u8ca1\u57fa\u6e96\u9ede\u300d\u3002\u5f88\u591a\u4eba\u6703\u554f\uff0c\u5230\u5e95\u85aa\u6c34\u5132\u84c4\u6bd4\u4f8b\u61c9\u8a72\u4f54\u4eba\u5de5\u7684\u591a\u5c11\uff1f\u7406\u8ca1\u5c08\u5bb6\u666e\u904d\u5efa\u8b70\uff0c\u6700\u7406\u60f3\u7684\u6bcf\u6708\u5132\u84c4\u6bd4\u4f8b\u61c9\u7dad\u6301\u5728\u6708\u5165\u768420%\u6216\u4ee5\u4e0a\u3002<\/p>\n\n\n\n<p>\u53c3\u8003\u9999\u6e2f\u5b58\u6b3e\u4fdd\u969c\u59d4\u54e1\u6703\u8fd1\u5e74\u7684\u300c\u5132\u84c4\u5b89\u5168\u611f\u6307\u6a19\u300d\u8abf\u67e5\uff0c\u9999\u6e2f\u5e02\u6c11\u6bcf\u4eba\u6bcf\u6708\u5e73\u5747\u5132\u84c4\u91d1\u984d\u7d04\u70ba10,100\u5143\u3002[1] \u82e5\u4ee5\u9999\u6e2f30\u6b72\u5e73\u5747\u85aa\u91d1\u4e2d\u4f4d\u6578\u7d0422,500\u5143\u8a08\u7b97\uff0c\u5e73\u5747\u7a4d\u84c4\u4f54\u6536\u5165\u6bd4\u4f8b\u7d04\u70ba30%\u81f340%\u5de6\u53f3\u3002[2] \u9019\u500b\u7406\u60f3\u5132\u84c4\u6bd4\u7387\u770b\u4f3c\u5f88\u9ad8\uff0c\u4f46\u5176\u5be6\u5305\u542b\u4e86\u90e8\u5206\u9ad8\u6536\u5165\u4eba\u58eb\u7684\u6578\u64da\u62c9\u5e73\u6548\u61c9\u3002\u5c0d\u65bc\u4e00\u822c\u5927\u773e\u800c\u8a00\uff0c\u82e5\u80fd\u5728\u9999\u6e2f\u9019\u500b\u9ad8\u6d88\u8cbb\u7684\u74b0\u5883\u4e0b\uff0c\u7a69\u5b9a\u5730\u5c07\u6bcf\u6708\u5132\u84c4\u6bd4\u4f8b\u7dad\u6301\u572820%\u81f330%\uff0c\u5df2\u7d93\u662f\u4e00\u500b\u975e\u5e38\u5065\u5eb7\u4e14\u300c\u9054\u6a19\u300d\u7684\u6c34\u5e73\u3002\u82e5\u4f4e\u65bc\u9019\u500b\u6bd4\u4f8b\uff0c\u4fbf\u9700\u8981\u6aa2\u8996\u65e5\u5e38\u958b\u652f\uff0c\u5c0b\u627e\u6539\u5584\u7a7a\u9593\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9999\u6e2f\u751f\u6d3b\u5be6\u6230\u724850\/30\/20 \u5132\u84c4\u6cd5\u5247<\/h2>\n\n\n\n<p>\u5728\u773e\u591a\u7406\u8ca1\u6cd5\u5247\u4e2d\uff0c\u300c50\/30\/20 \u5132\u84c4\u6cd5\u5247\u300d\u662f\u6700\u53d7\u63a8\u5d07\u4e14\u6613\u65bc\u57f7\u884c\u7684\u9ec3\u91d1\u6a19\u6e96\uff0c\u6700\u521d\u7531\u7f8e\u570b\u54c8\u4f5b\u5927\u5b78\u6559\u6388 Elizabeth Warren \u5728\u8457\u4f5c\u4e2d\u63a8\u5ee3\uff0c\u73fe\u5df2\u5ee3\u6cdb\u61c9\u7528\u65bc\u500b\u4eba\u7406\u8ca1\u898f\u5283\u3002\u9019\u500b\u6cd5\u5247\u5efa\u8b70\u5c07\u6bcf\u6708\u6536\u5165\u5206\u70ba\u4e09\u500b\u90e8\u5206\uff1a50%\u7528\u65bc\u300c\u9700\u8981\u300d\uff08\u5982\u79df\u91d1\u3001\u6c34\u96fb\u3001\u4ea4\u901a\u3001\u57fa\u672c\u4f19\u98df\uff09\uff1b30%\u7528\u65bc\u300c\u60f3\u8981\u300d\uff08\u5982\u5a1b\u6a02\u3001\u8cfc\u7269\u3001\u805a\u9910\uff09\uff1b\u9918\u4e0b\u768420%\u5247\u5f37\u5236\u7528\u4f5c\u300c\u5132\u84c4\u8207\u6295\u8cc7\u300d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5132\u84c4\u767e\u5206\u6bd4\u9ede\u8a08\uff1f<\/h3>\n\n\n\n<p>\u7a76\u7adf\u5132\u84c4\u767e\u5206\u6bd4\u61c9\u8a72\u7528\u7a05\u524d\u5b9a\u7a05\u5f8c\u4eba\u5de5\u4f86\u8a08\u7b97\uff1f\u7b54\u6848\u662f\uff1a\u61c9\u4ee5\u300c\u7a05\u5f8c\u53ca\u6263\u9664\u5f37\u7a4d\u91d1\u5f8c\u300d\u7684\u5be6\u8cea\u843d\u888b\u4eba\u5de5\uff08Net Income\uff09\u4f86\u8a08\u7b97\uff0c\u9019\u6a23\u624d\u6700\u7b26\u5408\u5be6\u969b\u53ef\u52d5\u7528\u73fe\u91d1\u6d41\u3002<\/p>\n\n\n\n<p>\u8209\u500b\u4f8b\u5b50\uff1a\u5047\u8a2d\u4f60\u7684\u4eba\u5de5\u662f30,000\u5143\uff0c\u6263\u9664\u5f37\u7a4d\u91d1\u5f8c\u5be6\u6536\u7d0428,500\u5143\u3002\u6309\u7167\u6cd5\u5247\uff0c\u4f60\u61c9\u8a72\u5c07\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50%\u5fc5\u9700\u958b\u652f = 14,250\u5143\uff08\u61c9\u4ed8\u79df\u91d1\/\u5bb6\u7528\u3001\u4ea4\u901a\u53ca\u65e5\u5e38\u4e09\u9910\uff09<\/li>\n\n\n\n<li>30%\u5f48\u6027\u6d88\u8cbb = 8,550\u5143\uff08\u7528\u65bc\u670b\u53cb\u805a\u6703\u3001\u8cb7\u8863\u670d\u3001\u4e32\u6d41\u5e73\u53f0\u8a02\u95b1\uff09<\/li>\n\n\n\n<li>20%\u5132\u84c4\u6295\u8cc7 = 5,700\u5143\uff08\u64a5\u5165\u5c08\u5c6c\u5132\u84c4\u6236\u53e3\u6216\u9032\u884c\u8cc7\u7522\u914d\u7f6e\uff09<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u5132\u9322\u6bd4\u4f8b\u9ede\u6a23\u8a08\uff1f\u500b\u4eba\u5132\u84c4\u7387\u8a08\u7b97\u516c\u5f0f<\/h3>\n\n\n\n<p>\u500b\u4eba\u5132\u84c4\u7387\u516c\u5f0f\u975e\u5e38\u7c21\u55ae\uff1a<\/p>\n\n\n\n<p>\uff08\u6bcf\u6708\u7e3d\u5132\u84c4\u91d1\u984d \u00f7 \u6bcf\u6708\u5be6\u6536\u6de8\u6536\u5165\uff09 \u00d7 100% = \u500b\u4eba\u5132\u84c4\u7387<\/p>\n\n\n\n<p>\u5efa\u8b70\u5927\u5bb6\u6bcf\u534a\u5e74\u5229\u7528\u9019\u516c\u5f0f\u70ba\u81ea\u5df1\u505a\u4e00\u6b21\u300c\u8ca1\u52d9\u9ad4\u6aa2\u300d\u3002\u5982\u679c\u7b97\u51fa\u4f86\u7684\u6bd4\u4f8b\u53ea\u67095%\u621610%\uff0c\u5c31\u4ee3\u8868\u4f60\u9700\u8981\u5f9e\u300c30%\u5f48\u6027\u6d88\u8cbb\u300d\u4e2d\u524a\u6e1b\u958b\u652f\uff0c\u6216\u8005\u900f\u904e\u589e\u52a0\u984d\u5916\u6536\u5165\u4f86\u586b\u88dc\u7f3a\u53e3\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9999\u6e2f\u7406\u8ca1\u7684\u73fe\u5be6\u56e0\u7d20\uff1aMPF \u8207\u79df\u91d1\u5982\u4f55\u5f71\u97ff\u5132\u84c4\u6bd4\u4f8b\uff1f<\/h2>\n\n\n\n<p>\u9999\u6e2f\u7684\u5c45\u4f4f\u74b0\u5883\u6709\u5176\u7368\u7279\u6027\uff0c\u5728\u57f7\u884c\u5132\u84c4\u6cd5\u5247\u6642\uff0c\u5fc5\u9808\u5c07\u4ee5\u4e0b\u73fe\u5be6\u56e0\u7d20\u7d0d\u5165\u8003\u91cf\uff0c\u4ee5\u4e0b\u662f\u4e0d\u5c11\u4eba\u7684\u5e38\u898b\u7591\u554f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>MPF\u662f\u5426\u61c9\u8a08\u5165\u500b\u4eba\u5132\u84c4\u6bd4\u4f8b\uff1f<br>\u6cd5\u4f8b\u898f\u5b9a\u50f1\u54e1\u9700\u4f9b\u6b3e5%\u3002\u5f9e\u4fdd\u5b88\u7684\u7406\u8ca1\u89d2\u5ea6\u4f86\u770b\uff0c\u4e0d\u5efa\u8b70\u5c07\u90195%\u7684MPF\u8a08\u516550\/30\/20\u6cd5\u5247\u4e2d\u7684\u300c20%\u5132\u84c4\u300d\u5167\u3002MPF\u6d41\u52d5\u6027\u6975\u4f4e\uff0c\u61c9\u5c07\u5176\u8996\u70ba\u984d\u5916\u7684\u9000\u4f11\u4fdd\u969c\uff0c\u800c\u90a320%\u5fc5\u9808\u662f\u4f60\u96a8\u6642\u53ef\u8abf\u52d5\u7684\u6d41\u52d5\u8cc7\u7522\u6216\u4e2d\u671f\u6295\u8cc7\u3002<\/li>\n\n\n\n<li>\u5982\u4f55\u5728\u79df\u91d1\u9ad8\u4f01\u4e0b\u7dad\u630120%\u5132\u84c4\u7387\uff1f<br>\u5c0d\u65bc\u79df\u6a13\u4e00\u65cf\uff0c\u79df\u91d1\u5f80\u5f80\u4f54\u6536\u5165\u8d85\u904e30%\u751a\u81f340%\uff0c\u8f15\u6613\u6253\u7834\u300c50%\u5fc5\u9700\u958b\u652f\u300d\u7684\u754c\u7dda\u3002\u5728\u9019\u7a2e\u60c5\u6cc1\u4e0b\uff0c\u5efa\u8b70\u5c07\u6cd5\u5247\u8abf\u6574\u70ba\u300c60\/20\/20\u300d\uff0c\u5373\u58d3\u7e2e\u5a1b\u6a02\u6d88\u8cbb\u81f320%\uff0c\u4f46\u7121\u8ad6\u5982\u4f55\u90fd\u8981\u5805\u5b8820%\u7684\u5132\u84c4\u5e95\u7dda\u3002<\/li>\n\n\n\n<li>\u9999\u6e2f\u4f9b\u6a13\u4eba\u58eb\u7406\u60f3\u7684\u5132\u84c4\u5269\u9918\u6bd4\uff1f<br>\u4f9b\u6a13\u7684\u6309\u63ed\u9084\u6b3e\u4e2d\uff0c\u5176\u5be6\u5305\u542b\u4e86\u300c\u5229\u606f\u652f\u51fa\u300d\u8207\u300c\u672c\u91d1\u7d2f\u7a4d\u300d\u3002\u672c\u91d1\u90e8\u5206\u67d0\u7a0b\u5ea6\u4e0a\u662f\u4e00\u7a2e\u5f37\u5236\u5132\u84c4\u3002\u4f9b\u6a13\u4eba\u58eb\u5728\u6263\u9664\u6309\u63ed\u5f8c\uff0c\u82e5\u6d41\u52d5\u73fe\u91d1\u5132\u84c4\u7387\u80fd\u7dad\u6301\u572810%\u81f315%\uff0c\u4e26\u4fdd\u6709\u534a\u5e74\u7dca\u6025\u9810\u5099\u91d1\uff0c\u8ca1\u52d9\u72c0\u614b\u4fbf\u5c6c\u5065\u5eb7\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5132\u84c4\u8207\u6295\u8cc7\u6bd4\u4f8b\uff1a\u69cb\u5efa\u4f60\u7684\u7406\u8ca1\u91d1\u5b57\u5854<\/h2>\n\n\n\n<p>\u6210\u529f\u5132\u9322\u53ea\u662f\u7b2c\u4e00\u6b65\uff0c\u5982\u4f55\u5206\u914d\u901920%\u7684\u8cc7\u91d1\u624d\u662f\u81f4\u5bcc\u95dc\u9375\u3002\u503c\u5f97\u7559\u610f\u7684\u662f\uff0c\u8907\u606f\u6548\u61c9\u6703\u96a8\u8457\u6642\u9593\u6307\u6578\u589e\u9577\uff0c\u5373\u4f7f\u540c\u6a23\u662f\u6bcf\u6708\u6295\u5165 5,000 \u5143\uff0c25 \u6b72\u958b\u59cb\u6bd4 35 \u6b72\u958b\u59cb\uff0c\u5728\u5e74\u5316\u56de\u5831 5% \u7684\u689d\u4ef6\u4e0b\uff0c\u9000\u4f11\u6642\u7684\u6700\u7d42\u8ca1\u5bcc\u53ef\u80fd\u6703\u76f8\u5dee\u8d85\u904e\u4e00\u500d\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u91dd\u5c0d\u4e0d\u540c\u5e74\u9f61\u5c64\u7684\u5132\u84c4\u8207\u6295\u8cc7\u6bd4\u4f8b\u5efa\u8b70\uff1a<\/p>\n\n\n<style>.kb-table-container15018_376a84-cb{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container15018_376a84-cb .kb-table15018_376a84-cb{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container15018_376a84-cb .kb-table15018_376a84-cb thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container15018_376a84-cb .kb-table15018_376a84-cb thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container15018_376a84-cb .kb-table15018_376a84-cb tbody tr:last-child td:first-child, .kb-table-container15018_376a84-cb .kb-table15018_376a84-cb tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container15018_376a84-cb .kb-table15018_376a84-cb tbody tr:last-child td:last-child, .kb-table-container15018_376a84-cb .kb-table15018_376a84-cb tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container15018_376a84-cb{overflow-x:auto;}.kb-table-container .kb-table15018_376a84-cb 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-table15018_376a84-cb th ul, .kb-table-container .kb-table15018_376a84-cb th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15018_376a84-cb 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-table15018_376a84-cb td ul, .kb-table-container .kb-table15018_376a84-cb td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15018_376a84-cb td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table15018_376a84-cb th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table15018_376a84-cb td, .kb-table15018_376a84-cb 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-table15018_376a84-cb td, .kb-table15018_376a84-cb 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-table15018_376a84-cb td, .kb-table15018_376a84-cb 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-container15018_376a84-cb wp-block-kadence-table\"><table class=\"kb-table kb-table15018_376a84-cb\">\n<tr class=\"kb-table-row kb-table-row15018_828224-54\">\n<th class=\"kb-table-data kb-table-data15018_854877-12\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-27ec1040afa1b950b964627f5eeed5f0\"><strong>\u8ca1\u52d9\u968e\u6bb5<\/strong><\/p>\n\n<\/15018_854877-12>\n\n<th class=\"kb-table-data kb-table-data15018_5d9d7e-89\">\n\n<p><strong>\u5132\u84c4<\/strong><strong>\u8207<\/strong><strong>\u6295\u8cc7\u6bd4\u4f8b<\/strong><strong>\u5206\u914d\u5efa\u8b70<\/strong><\/p>\n\n<\/15018_5d9d7e-89>\n\n<th class=\"kb-table-data kb-table-data15018_c84cd1-ad\">\n\n<p><strong>\u6838\u5fc3\u7406\u8ca1\u76ee\u6a19\u8207\u5de5\u5177<\/strong><\/p>\n\n<\/15018_c84cd1-ad>\n\n<th class=\"kb-table-data kb-table-data15018_fe084e-7e\">\n\n<p><strong>\u9069\u7528\u5c0d\u8c61\u8207\u7279\u9ede<\/strong><\/p>\n\n<\/15018_fe084e-7e>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15018_fab73c-0d\">\n<th class=\"kb-table-data kb-table-data15018_bf2a0a-64\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-1995195e661aaee58cfecf8090504cac\"><strong>\u5e95\u5c64\u9632\u8b77\uff1a\u7dca\u6025\u9810\u5099\u91d1<\/strong><\/p>\n\n<\/15018_bf2a0a-64>\n\n<td class=\"kb-table-data kb-table-data15018_b1d1cc-57\">\n\n<p>100% \u5132\u84c4<\/p>\n\n<\/15018_b1d1cc-57>\n\n<td class=\"kb-table-data kb-table-data15018_928abc-ca\">\n\n<p>\u76ee\u6a19\uff1a\u7d2f\u7a4d3\u81f36\u500b\u6708\u751f\u6d3b\u8cbb\u3002\u5de5\u5177\uff1a\u6d3b\u671f\u5b58\u6b3e\u3001\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd\u96aa\u3002<\/p>\n\n<\/15018_928abc-ca>\n\n<td class=\"kb-table-data kb-table-data15018_3d62b9-4b\">\n\n<p>\u6240\u6709\u4eba\u3002\u672a\u5132\u6eff\u524d\uff0c\u4e0d\u5efa\u8b70\u9032\u884c\u9ad8\u98a8\u96aa\u6295\u8cc7\u3002<\/p>\n\n<\/15018_3d62b9-4b>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15018_4b4a29-4e\">\n<th class=\"kb-table-data kb-table-data15018_d9971e-ae\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-79bec1b37a0b0706da06914db0a2d612\"><strong>\u521d\u968e\u7d2f\u7a4d\uff1a\u5c0f\u984d\u8d77\u6b65<\/strong><\/p>\n\n<\/15018_d9971e-ae>\n\n<td class=\"kb-table-data kb-table-data15018_a642f1-77\">\n\n<p>70% \u5132\u84c4 \/ 30% \u6295\u8cc7<\/p>\n\n<\/15018_a642f1-77>\n\n<td class=\"kb-table-data kb-table-data15018_11ddc6-8a\">\n\n<p>\u76ee\u6a19\uff1a\u57f9\u990a\u7d00\u5f8b\uff0c\u5c0d\u6297\u901a\u8139\u3002\u5de5\u5177\uff1a\u6708\u4f9b\u80a1\u7968\u3001\u57fa\u91d1\uff0c\u9580\u6abb\u4f4e\uff0c\u9069\u5408\u521d\u5b78\u8005\u4ee5\u5c0f\u8cc7\u672c\u8d77\u6b65\u3002<\/p>\n\n<\/15018_11ddc6-8a>\n\n<td class=\"kb-table-data kb-table-data15018_e65239-67\">\n\n<p>\u525b\u7562\u696d\u6216\u5728\u5b78\u4eba\u58eb\u3002\u900f\u904e\u7a69\u5065\u5de5\u5177\u7d2f\u7a4d\u672c\u91d1\u3002<\/p>\n\n<\/15018_e65239-67>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15018_967c59-cb\">\n<th class=\"kb-table-data kb-table-data15018_ad0ecc-ca\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-7f8fbeca35d4019ad2885c1f6dfb2ac1\"><strong>\u7a69\u5065\u589e\u503c\uff1a\u9752\u58ef\u5e74\u671f<\/strong><\/p>\n\n<\/15018_ad0ecc-ca>\n\n<td class=\"kb-table-data kb-table-data15018_b7989d-75\">\n\n<p>40% \u5132\u84c4 \/ 60% \u6295\u8cc7<\/p>\n\n<\/15018_b7989d-75>\n\n<td class=\"kb-table-data kb-table-data15018_190bd0-9e\">\n\n<p>\u76ee\u6a19\uff1a\u8cc7\u7522\u7ffb\u500d\uff0c\u70ba\u9996\u671f\u6216\u7d50\u5a5a\u6e96\u5099\u3002\u5de5\u5177\uff1aETF\u3001\u512a\u8cea\u85cd\u7c4c\u80a1\u3001\u4e2d\u9577\u671f\u5132\u84c4\u96aa\u3002\u5efa\u8b70\u4ee5\u5b9a\u671f\u5b9a\u984d\u65b9\u5f0f\u9010\u6b65\u64f4\u5927\u6295\u8cc7\u4f54\u6bd4\u3002<\/p>\n\n<\/15018_190bd0-9e>\n\n<td class=\"kb-table-data kb-table-data15018_ea0c64-84\">\n\n<p>25-35\u6b72\u3002\u9700\u5177\u5099\u4e00\u5b9a\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u8207\u57fa\u790e\u77e5\u8b58\u3002<\/p>\n\n<\/15018_ea0c64-84>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15018_32e067-e5\">\n<th class=\"kb-table-data kb-table-data15018_03617a-2d\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-e92bd83c41e7f5a0bfba8986eadc76ea\"><strong>\u8cc7\u7522\u5b88\u8b77\uff1a\u4e2d\u5e74\u53ca\u4ee5\u5f8c<\/strong><\/p>\n\n<\/15018_03617a-2d>\n\n<td class=\"kb-table-data kb-table-data15018_d69b84-f0\">\n\n<p>60% \u5132\u84c4 \/ 40% \u6295\u8cc7<\/p>\n\n<\/15018_d69b84-f0>\n\n<td class=\"kb-table-data kb-table-data15018_51141b-b0\">\n\n<p>\u76ee\u6a19\uff1a\u4fdd\u672c\u6536\u606f\uff0c\u6e96\u5099\u9000\u4f11\u3002\u5de5\u5177\uff1a\u5e74\u91d1\u3001\u9ad8\u606f\u5132\u84c4\u4fdd\u96aa\u3001\u50b5\u5238\u3002<\/p>\n\n<\/15018_51141b-b0>\n\n<td class=\"kb-table-data kb-table-data15018_64cfab-ce\">\n\n<p>40\u6b72\u4ee5\u4e0a\u3002\u98a8\u96aa\u627f\u53d7\u529b\u4e0b\u964d\uff0c\u61c9\u589e\u52a0\u4fdd\u672c\u5132\u84c4\u6bd4\u4f8b\u3002<\/p>\n\n<\/15018_64cfab-ce>\n<\/tr>\n<\/table><\/div>\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u843d\u5be6\u7406\u8ca1\u91d1\u5b57\u5854\u6642\uff0c\u6700\u91cd\u8981\u7684\u4e0d\u662f\u9078\u64c7\u6700\u9ad8\u56de\u5831\u7684\u5de5\u5177\uff0c\u800c\u662f\u5efa\u7acb\u300c\u5148\u5132\u5f8c\u7528\u300d\u7684\u8cc7\u91d1\u6d41\u5411\u7fd2\u6163\u3002\u5c0d\u65bc\u5e74\u8f15\u4eba\u800c\u8a00\uff0c\u54ea\u6015\u6708\u4f9b\u91d1\u984d\u4e0d\u591a\uff0c\u4f46\u65e9\u4e00\u5e74\u958b\u59cb\u90fd\u80fd\u900f\u904e\u8907\u606f\u6548\u61c9\u63db\u4f86\u53ef\u89c0\u7684\u9577\u671f\u512a\u52e2\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"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\">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<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Blue WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1 \u7a69\u5065\u5132\u84c4\u7684\u7406\u60f3\u8d77\u6b65\u9078\u64c7<\/h2>\n\n\n\n<p>\u5728\u5b89\u6392\u5132\u84c4\u8207\u6295\u8cc7\u6bd4\u4f8b\u6642\uff0c\u5f88\u591a\u4eba\u6703\u5728\u300c\u5132\u84c4\u96aa vs \u5b9a\u671f\u5b58\u6b3e\u300d\u4e4b\u9593\u7336\u8c6b\u3002\u5b9a\u671f\u5b58\u6b3e\u96d6\u7136\u4fdd\u672c\uff0c\u4f46\u5f80\u5f80\u9700\u8981\u8f03\u9ad8\u8d77\u5b58\u984d\uff0c\u4e14\u8cc7\u91d1\u9396\u5b9a\u671f\u5167\u7f3a\u4e4f\u9748\u6d3b\u6027\u3002\u82e5\u5c07\u8cc7\u91d1\u9577\u671f\u9592\u7f6e\u65bc\u4f4e\u606f\u6d3b\u671f\u6236\u53e3\uff0c\u53c8\u6703\u7522\u751f\u56b4\u91cd\u7684\u6a5f\u6703\u6210\u672c\uff0c\u8cc7\u91d1\u8cfc\u8cb7\u529b\u6703\u88ab\u901a\u8139\u7121\u8072\u7121\u606f\u5730\u8836\u98df\u3002<\/p>\n\n\n\n<p>\u70ba\u4e86\u6709\u6548\u57f7\u884c\u4f60\u7684\u5132\u84c4\u6bd4\u4f8b\uff0c\u81ea\u52d5\u5316\u8207\u7d00\u5f8b\u662f\u95dc\u9375\u3002<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a>\u6b63\u6b63\u662f\u4f60\u7406\u8ca1\u914d\u7f6e\u4e2d\u7684\u512a\u8cea\u9078\u64c7\u3002\u5b83\u4e0d\u50c5\u80fd\u4f5c\u70ba\u7406\u8ca1\u91d1\u5b57\u5854\u5e95\u5c64\u7684\u7a69\u5065\u57fa\u77f3\uff0c\u66f4\u5177\u6709\u6975\u9ad8\u7684\u9748\u6d3b\u6027\u3002\u76f8\u6bd4\u8d77\u50b3\u7d71\u5132\u84c4\u4fdd\u96aa\uff0cWeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1\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\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd 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>\u900f\u904e\u5c07\u5132\u84c4\u4e2d\u7684\u4e00\u90e8\u5206\u6295\u5165<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a>\uff0c\u4f60\u53ef\u4ee5\u5728\u4f4e\u98a8\u96aa\u7684\u74b0\u5883\u4e0b\u7a69\u6b65\u589e\u503c\uff0c\u540c\u6642\u4fdd\u7559\u61c9\u4ed8\u672a\u4f86\u5e7e\u5e74\u6240\u9700\u7684\u73fe\u91d1\u6d41\u5f48\u6027\uff0c\u7d55\u5c0d\u662f\u4e0a\u73ed\u65cf\u7406\u8ca1\u6216\u5b78\u751f\u7684\u8d77\u6b65\u9078\u64c7\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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=\"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\">\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<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n\n\n<p><strong>\u6bcf\u6708\u5132\u84c4\u6bd4\u4f8b\u592a\u9ad8\u6703\u5426\u5f71\u97ff\u751f\u6d3b\u7d20\u8cea\uff1f<\/strong><br>\u7d55\u5c0d\u6703\u3002\u7406\u8ca1\u7684\u76ee\u7684\u662f\u70ba\u4e86\u66f4\u597d\u7684\u751f\u6d3b\uff0c\u800c\u975e\u75db\u82e6\u7684\u4fee\u884c\u3002\u82e5\u5c07\u5132\u84c4\u6bd4\u4f8b\u5f37\u884c\u62c9\u9ad8\u81f350%\u751a\u81f360%\uff0c\u5f88\u5bb9\u6613\u5f15\u8d77\u53cd\u5f48\u5f0f\u5831\u5fa9\u6027\u6d88\u8cbb\u3002\u5efa\u8b70\u7dad\u6301\u572820%\u81f330%\u7684\u5408\u7406\u5340\u9593\uff0c\u5728\u4fdd\u969c\u672a\u4f86\u7684\u540c\u6642\uff0c\u4ea6\u8981\u4eab\u53d7\u7576\u4e0b\u3002<\/p>\n\n\n\n<p><strong>\u8003\u91cf\u5230\u5132\u84c4\u73fe\u91d1\u6bd4\u4f8b\u8207\u6a5f\u6703\u6210\u672c\uff0c\u5132\u84c4\u6bd4\u4f8b\u61c9\u5982\u4f55\u96a8\u5e74\u9f61\u8abf\u6574\uff1f<\/strong><br>\u4e00\u822c\u53ef\u53c3\u8003\u300c100\u6cd5\u5247\u300d\uff1a\u4ee5 100 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class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u53c3\u8003\u8cc7\u6599\uff1a<br>1. 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\u7a76\u7adf\u5132\u84c4\u767e\u5206\u6bd4\u61c9\u8a72\u7528\u7a05\u524d\u5b9a\u7a05\u5f8c\u4eba\u5de5\u4f86\u8a08\u7b97\uff1f\u7b54\u6848\u662f\uff1a\u61c9\u4ee5\u300c\u7a05\u5f8c\u53ca\u6263\u9664\u5f37\u7a4d\u91d1\u5f8c\u300d\u7684\u5be6\u8cea\u843d\u888b\u4eba\u5de5\uff08Net Income\uff09\u4f86\u8a08\u7b97\uff0c\u9019\u6a23\u624d\u6700\u7b26\u5408\u5be6\u969b\u53ef\u52d5\u7528\u73fe\u91d1\u6d41\u3002 \u8209\u500b\u4f8b\u5b50\uff1a\u5047\u8a2d\u4f60\u7684\u4eba\u5de5\u662f30,000\u5143\uff0c\u6263\u9664\u5f37\u7a4d\u91d1\u5f8c\u5be6\u6536\u7d0428,500\u5143\u3002\u6309\u7167\u6cd5\u5247\uff0c\u4f60\u61c9\u8a72\u5c07\uff1a \u5132\u9322\u6bd4\u4f8b\u9ede\u6a23\u8a08\uff1f\u500b\u4eba\u5132\u84c4\u7387\u8a08\u7b97\u516c\u5f0f \u500b\u4eba\u5132\u84c4\u7387\u516c\u5f0f\u975e\u5e38\u7c21\u55ae\uff1a \uff08\u6bcf\u6708\u7e3d\u5132\u84c4\u91d1\u984d 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