{"id":15188,"date":"2026-05-18T07:53:58","date_gmt":"2026-05-18T07:53:58","guid":{"rendered":"https:\/\/www.blue.com.hk\/blog\/?p=15188"},"modified":"2026-05-18T07:53:59","modified_gmt":"2026-05-18T07:53:59","slug":"asset-allocation-strategies-for-100k-capital","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/asset-allocation-strategies-for-100k-capital","title":{"rendered":"\u624b\u630110\u842c\u5982\u4f55\u904b\u7528\uff1f\u62c6\u89e310\u842c\u7406\u8ca1\u7522\u54c1\u3001\u98a8\u96aa\u8207\u8cc7\u7522\u914d\u7f6e\u65b9\u6848"},"content":{"rendered":"\n<p>\u5c0d\u65bc\u4e0d\u5c11\u9999\u6e2f\u6253\u5de5\u4ed4\u6216\u7406\u8ca1\u65b0\u624b\u4f86\u8aaa\uff0c\u300c10\u842c\u300d\u662f\u4e00\u500b\u95dc\u9375\u7684\u7406\u8ca1\u91cc\u7a0b\u7891\u3002\u9019\u7b46\u8cc7\u91d1\u65e2\u53ef\u4ee5\u4f5c\u70ba\u61c9\u6025\u9322\uff0c\u4ea6\u53ef\u4ee5\u662f\u901a\u5f80\u8ca1\u52d9\u81ea\u7531\u7684\u57fa\u77f3\u3002\u7136\u800c\uff0c\u9762\u5c0d\u8b8a\u5e7b\u83ab\u6e2c\u7684\u91d1\u878d\u5e02\u5834\uff0c10\u842c\u5982\u4f55\u904b\u7528\u624d\u80fd\u767c\u63ee\u6700\u5927\u6548\u76ca\uff1f<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/financial-tips\/\">Blue\u7406\u8ca1\u9054\u4eba<\/a>\u6559\u4f60\u638c\u63e1\u57fa\u672c\u8cc7\u7522\u914d\u7f6e\u6982\u5ff5\uff0c\u8b9310\u842c\u672c\u91d1\u7406\u8ca1\u65b9\u6848\u7531\u300c\u76f2\u76ee\u8ddf\u98a8\u300d\u8b8a\u6210\u6709\u898f\u5283\u3001\u6709\u76ee\u7684\u7684\u8ca1\u52d9\u4f48\u5c40\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u8de8\u51fa\u300c\u9322\u6efe\u9322\u300d\u7684\u7b2c\u4e00\u6b65\uff1f<\/h2>\n\n\n\n<p>10\u842c\u672c\u91d1\u88ab\u8996\u70ba\u5c0f\u984d\u7406\u8ca1\u8207\u9032\u968e\u6295\u8cc7\u7684\u5206\u6c34\u5dba\u3002\u5c0d\u65bc\u6708\u5165\u5169\u4e09\u842c\u7684\u4e0a\u73ed\u65cf\u4f86\u8aaa\uff0c\u5132\u523010\u842c\u5143\u53ef\u80fd\u9700\u8981\u4e00\u81f3\u5169\u5e74\u6642\u9593\uff0c\u9019\u7b46\u9322\u8aaa\u591a\u4e0d\u591a\uff0c\u4f46\u5728\u9999\u6e2f\u7684\u751f\u6d3b\u6210\u672c\u4e0b\uff0c\u9019\u5f80\u5f80\u6c7a\u5b9a\u4e86\u4f60\u8ca1\u5bcc\u7d2f\u7a4d\u7684\u901f\u5ea6\u3002<\/p>\n\n\n\n<p>\u670910\u842c\u9592\u9322\u80fd\u505a\u4ec0\u9ebc\uff1f\u5982\u679c\u4f60\u5c07\u5176\u7f6e\u4e4b\u4e0d\u7406\uff0c\u653e\u5728\u666e\u901a\u7684\u5132\u84c4\u6236\u53e3\uff0c\u5176\u8cfc\u8cb7\u529b\u6703\u88ab\u901a\u8139\u7121\u60c5\u4fb5\u8755\u3002\u76f8\u53cd\uff0c\u5b78\u670310\u842c\u672c\u91d1\u7406\u8ca1\u7684\u6280\u5de7\uff0c\u5229\u7528\u8907\u606f\u6548\u61c9\uff0c\u9019\u7b46\u9322\u5c31\u6709\u6a5f\u6703\u6210\u70ba\u4f60\u65e5\u5f8c\u63db\u6a13\u3001\u7d50\u5a5a\u6216\u5275\u696d\u7684\u539f\u59cb\u8cc7\u91d1\u3002\u6240\u8b02\u300c\u9322\u6efe\u9322\u300d\uff0c\u4e26\u975e\u8981\u6c42\u4f60\u5192\u6975\u5927\u98a8\u96aa\u53bb\u535a\u53d6\u7ffb\u500d\u56de\u5831\uff0c\u800c\u662f\u900f\u904e\u5408\u7406\u7684\u5de5\u5177\u9078\u64c7\uff0c\u5728\u98a8\u96aa\u53ef\u63a7\u7684\u60c5\u6cc1\u4e0b\uff0c\u8b93\u8cc7\u91d1\u904b\u7528\u5f97\u66f4\u5177\u5099\u589e\u503c\u6f5b\u529b\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\/investment-financial-tools-for-beginners\">\u3010\u65b0\u624b\u6295\u8cc7\u5165\u9580\u61f6\u4eba\u5305\u3011\u6295\u8cc7\u65b0\u624b\u5fc5\u8b80\uff1a7\u7a2e\u5165\u9580\u6295\u8cc7\u5de5\u5177\u7c21\u4ecb<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">10\u842c\u898f\u5283\u7684\u5b89\u5168\u914d\u7f6e\u6bd4\u4f8b<\/h2>\n\n\n\n<p>\u5728\u601d\u800310\u842c\u5982\u4f55\u904b\u7528\u4e4b\u524d\uff0c\u5fc5\u9808\u5148\u5efa\u7acb\u9632\u5b88\u9632\u7dda\u3002\u7406\u8ca1\u4e0d\u61c9\u53ea\u6709\u300c\u653b\u300d\uff0c\u66f4\u8981\u6709\u300c\u5b88\u300d\u3002<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u7dca\u6025\u9810\u5099\u91d1\u914d\u7f6e\uff0830-50%\uff09\uff1a<\/strong>\u5efa\u8b70\u5c07\u672c\u91d1\u4e2d\u76843\u81f35\u842c\u5143\u4fdd\u7559\u5728\u6d41\u52d5\u6027\u6975\u9ad8\u7684\u5de5\u5177\u4e2d\uff08\u5982\u6d3b\u671f\u5b58\u6b3e\u6216\u7121\u9396\u5b9a\u671f\u7684\u5132\u84c4\u7522\u54c1\uff09\u3002\u9019\u7b46\u9322\u662f\u70ba\u4e86\u61c9\u4ed8\u7a81\u767c\u72c0\u6cc1\uff0c\u5982\u5931\u696d\u3001\u91ab\u7642\u958b\u652f\u6216\u5bb6\u5ead\u6025\u7528\u3002<\/li>\n\n\n\n<li><strong>\u4fdd\u672c\u589e\u503c\u914d\u7f6e\uff0840-60%\uff09\uff1a<\/strong>\u5269\u9918\u76844\u81f36\u842c\u5143\u61c9\u4f5c\u70ba\u7a69\u5b9a\u589e\u503c\u90e8\u5206\u3002\u9019\u90e8\u5206\u8cc7\u91d1\u4e0d\u9700\u8981\u6975\u9ad8\u6d41\u52d5\u6027\uff0c\u4f46\u8981\u6c42\u672c\u91d1\u5b89\u5168\uff0c\u4e26\u80fd\u63d0\u4f9b\u9ad8\u65bc\u9280\u884c\u666e\u901a\u5132\u84c4\u7684\u5229\u606f\u3002<\/li>\n\n\n\n<li><strong>\u9ad8\u6d41\u52d5\u6027\u4f4e\u98a8\u96aa\u5de5\u5177\uff1a<\/strong>\u5269\u9918\u90e8\u5206\u53ef\u4ee5\u6309\u98a8\u96aa\u627f\u53d7\u80fd\u529b\uff0c\u914d\u7f6e\u5230\u4f4e\u98a8\u96aa\u5de5\u5177\u3001\u50b5\u5238\u3001ETF \u6216\u80a1\u7968\uff0c\u4f5c\u70ba\u7406\u8ca1\u7684\u6838\u5fc3\u914d\u7f6e\u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">10\u842c\u672c\u91d1\u5982\u4f55\u8dd1\u8d0f\u901a\u8139\uff1f\u4e3b\u6d41\u4f4e\u98a8\u96aa\u5de5\u5177\u62c6\u89e3<\/h2>\n\n\n\n<p>\u8981\u8b93\u672c\u91d1\u8dd1\u8d0f\u901a\u8139\uff0c\u95dc\u9375\u5728\u65bc\u5c0b\u627e\u5e74\u56de\u5831\u7387\u9ad8\u65bc3-4%\u7684\u5de5\u5177\u3002\u5728\u9999\u6e2f\uff0c10\u842c\u672c\u91d1\u7684\u4f4e\u98a8\u96aa\u7406\u8ca1\u9078\u9805\u5305\u62ec\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\uff08Fixed Deposit\uff09\u53ca\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u3002\u5c0d\u65bc\u4fdd\u5b88\u578b\u7406\u8ca1\u8005\uff0c\u4fdd\u672c\u662f\u9996\u8981\u8003\u91cf\uff0c\u5efa\u8b70\u7406\u8ca1\u65b0\u624b\u512a\u5148\u95dc\u6ce8\u4fdd\u8b49\u5229\u7387\u7522\u54c1\u3002\u76ee\u524d\u5e02\u9762\u4e0a\u6709\u90e8\u5206\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\uff0c\u4e0d\u53ea\u63d0\u4f9b\u4fdd\u8b49\u5e74\u5316\u56de\u5831\uff0c\u751a\u81f3\u6bd4\u5927\u578b\u9280\u884c\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u66f4\u5177\u7af6\u722d\u529b\u3002\u9019\u5c0d\u65bc\u5e0c\u671b\u5728\u672c\u91d1\u57fa\u790e\u4e0a\u7a69\u5b9a\u589e\u503c\u7684\u8b80\u8005\u4f86\u8aaa\uff0c\u662f\u4e00\u500b\u4e0d\u932f\u7684\u907f\u98a8\u6e2f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9280\u884c\u5b9a\u5b58 vs. \u77ed\u671f\u5132\u84c4\u4fdd\u96aa<\/h3>\n\n\n\n<p>\u7576\u6211\u5011\u628a10\u842c\u7684\u904b\u7528\u5177\u9ad4\u5230\u7522\u54c1\u5c64\u9762\u6642\uff0c\u4ee5\u4e0b\u8868\u683c\u80fd\u5e6b\u4f60\u5feb\u901f\u5c0d\u6bd4\uff1a<\/p>\n\n\n<style>.kb-table-container15188_9ff34f-0f{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container15188_9ff34f-0f .kb-table15188_9ff34f-0f{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container15188_9ff34f-0f .kb-table15188_9ff34f-0f thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container15188_9ff34f-0f .kb-table15188_9ff34f-0f thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container15188_9ff34f-0f .kb-table15188_9ff34f-0f tbody tr:last-child td:first-child, .kb-table-container15188_9ff34f-0f .kb-table15188_9ff34f-0f tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container15188_9ff34f-0f .kb-table15188_9ff34f-0f tbody tr:last-child td:last-child, .kb-table-container15188_9ff34f-0f .kb-table15188_9ff34f-0f tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container15188_9ff34f-0f{overflow-x:auto;}.kb-table-container .kb-table15188_9ff34f-0f 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-table15188_9ff34f-0f th ul, .kb-table-container .kb-table15188_9ff34f-0f th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15188_9ff34f-0f 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-table15188_9ff34f-0f td ul, .kb-table-container .kb-table15188_9ff34f-0f td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15188_9ff34f-0f td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table15188_9ff34f-0f th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table15188_9ff34f-0f td, .kb-table15188_9ff34f-0f 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-table15188_9ff34f-0f td, .kb-table15188_9ff34f-0f 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-table15188_9ff34f-0f td, .kb-table15188_9ff34f-0f 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-container15188_9ff34f-0f wp-block-kadence-table\"><table class=\"kb-table kb-table15188_9ff34f-0f\">\n<tr class=\"kb-table-row kb-table-row15188_e00c33-4d\">\n<th class=\"kb-table-data kb-table-data15188_fba937-3d\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-6c329a5e2491920705c09fb98a7bc967\"><strong>\u6bd4\u8f03\u9805\u76ee<\/strong><\/p>\n\n<\/15188_fba937-3d>\n\n<th class=\"kb-table-data kb-table-data15188_1c4313-eb\">\n\n<p><strong>\u9280\u884c\u5b9a\u5b58<\/strong><\/p>\n\n<\/15188_1c4313-eb>\n\n<th class=\"kb-table-data kb-table-data15188_30cbc1-7c\">\n\n<p><strong>\u77ed\u671f\u5132\u84c4\u4fdd\u96aa<\/strong><\/p>\n\n<\/15188_30cbc1-7c>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_076f55-fb\">\n<th class=\"kb-table-data kb-table-data15188_7776c1-6f\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-7f7cc85382e49840d3b8f8f0c6cd69a8\"><strong>\u5e74\u5316\u5229\u7387 (\u9810\u4f30)<\/strong><\/p>\n\n<\/15188_7776c1-6f>\n\n<td class=\"kb-table-data kb-table-data15188_c4249b-74\">\n\n<p>\u7d043.0%-3.8%<\/p>\n\n<\/15188_c4249b-74>\n\n<td class=\"kb-table-data kb-table-data15188_8fc669-de\">\n\n<p>\u4fdd\u8b49\u9ad8\u606f (\u5177\u7af6\u722d\u529b)<\/p>\n\n<\/15188_8fc669-de>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_166c7b-12\">\n<th class=\"kb-table-data kb-table-data15188_142309-96\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-22777108f4032797ab4a60ad8b431a0b\"><strong>\u9580\u6abb\u8981\u6c42<\/strong><\/p>\n\n<\/15188_142309-96>\n\n<td class=\"kb-table-data kb-table-data15188_3e5126-67\">\n\n<p>\u901a\u5e38\u9700\u65b0\u8cc7\u91d1\uff0c\u984d\u5ea6\u8f03\u5927\u624d\u6709\u9ad8\u606f<\/p>\n\n<\/15188_3e5126-67>\n\n<td class=\"kb-table-data kb-table-data15188_7d924a-c9\">\n\n<p>\u9580\u6abb\u6975\u4f4e<\/p>\n\n<\/15188_7d924a-c9>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_b688bf-a4\">\n<th class=\"kb-table-data kb-table-data15188_54c9a6-ab\">\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<\/15188_54c9a6-ab>\n\n<td class=\"kb-table-data kb-table-data15188_9e12a8-5b\">\n\n<p>\u63d0\u524d\u652f\u53d6\u6216\u9700\u7f70\u606f\u6216\u640d\u5931\u6240\u6709\u5229\u606f<\/p>\n\n<\/15188_9e12a8-5b>\n\n<td class=\"kb-table-data kb-table-data15188_f395fc-32\">\n\n<p>\u9748\u6d3b\u53d6\u6b3e\uff0c\u4e0d\u8a2d\u7f70\u606f<\/p>\n\n<\/15188_f395fc-32>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_f9e4cd-ed\">\n<th class=\"kb-table-data kb-table-data15188_245812-e9\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-c782068309bde9a1af397df55ee60bd4\"><strong>\u958b\u6236\u4fbf\u6377\u5ea6<\/strong><\/p>\n\n<\/15188_245812-e9>\n\n<td class=\"kb-table-data kb-table-data15188_beff1a-b4\">\n\n<p>\u9700\u89aa\u8eab\u5230\u5206\u884c\u6216\u7d93\u8907\u96dc\u7db2\u4e0a\u9280\u884c\u624b\u7e8c<\/p>\n\n<\/15188_beff1a-b4>\n\n<td class=\"kb-table-data kb-table-data15188_8e00c5-dd\">\n\n<p>\u5168\u7dda\u4e0a\u6295\u4fdd\uff0c\u5feb\u901f\u5b8c\u6210<\/p>\n\n<\/15188_8e00c5-dd>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_3f135d-93\">\n<th class=\"kb-table-data kb-table-data15188_047f4c-31\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-6eefa95235ca43226852f0492d1ca12a\"><strong>\u9069\u5408\u5c0d\u8c61<\/strong><\/p>\n\n<\/15188_047f4c-31>\n\n<td class=\"kb-table-data kb-table-data15188_fec9ee-38\">\n\n<p>\u50b3\u7d71\u4fdd\u5b88\u6d3e\u3001\u5927\u984d\u9577\u671f\u5b9a\u5b58\u8005<\/p>\n\n<\/15188_fec9ee-38>\n\n<td class=\"kb-table-data kb-table-data15188_b3bdce-cb\">\n\n<p>\u8ffd\u6c42\u9ad8\u606f\u8207\u5f48\u6027\u7684\u7406\u8ca1\u8005<\/p>\n\n<\/15188_b3bdce-cb>\n<\/tr>\n<\/table><\/div>\n\n\n<p><\/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\/short-term-savings-insurance-comparison\">\u5982\u4f55\u9078\u64c7\u7406\u8ca1\u65b9\u6848\uff1f\u4e00\u6587\u4e86\u89e3\u6d3b\u671f\u5b58\u6b3e\u8207\u5132\u84c4\u4fdd\u96aa\u5dee\u7570<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8907\u606f\u7684\u529b\u91cf\uff1a10 \u842c\u672c\u91d1\u7684\u589e\u503c\u9810\u4f30<\/h2>\n\n\n\n<p>\u8907\u606f\uff08Compound Interest\uff09\u662f\u7406\u8ca1\u4e2d\u6700\u5f37\u5927\u7684\u6b66\u5668\u3002\u5982\u679c\u4f60\u7684\u672c\u91d1\u80fd\u6bcf\u5e74\u7a69\u5b9a\u7372\u5f97 4% \u7684\u4fdd\u8b49\u56de\u5831\uff0c\u4ee5\u4e0b\u662f\u9810\u8a08\u6536\u76ca\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u5e74\u5f8c\uff1a\u672c\u91d1\u9023\u5229\u606f\u7d04\u70ba HK$104,000\u3002<\/li>\n\n\n\n<li>\u4e09\u5e74\u5f8c\uff1a\u900f\u904e\u8907\u606f\u6efe\u5b58\uff0c\u91d1\u984d\u5c07\u589e\u81f3\u7d04 HK$112,486\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5f88\u591a\u4eba\u6703\u554f\u300c10\u842c\u4e00\u500b\u6708\u5229\u606f\u591a\u5c11\uff1f\u300d\u4ee54%\u5e74\u5229\u7387\u8a08\u7b97\uff0c\u6bcf\u6708\u5e73\u5747\u7d04\u6709 HK$333 \u7684\u300c\u88ab\u52d5\u6536\u5165\u300d\u3002\u96d6\u7136\u91d1\u984d\u770b\u4f3c\u4e0d\u591a\uff0c\u4f46\u9019\u7b46\u9322\u8db3\u4ee5\u88dc\u8cbc\u4f60\u6bcf\u6708\u7684\u96fb\u8a71\u8cbb\u6216\u4e00\u4efd\u4fdd\u96aa\u4fdd\u8cbb\u3002\u7406\u8ca1\u7684\u610f\u7fa9\u5728\u65bc\u7a4d\u5c11\u6210\u591a\uff0c\u900f\u904e\u4e0d\u65b7\u5c07\u5229\u606f\u518d\u6efe\u5b58 \uff0c\u4f60\u7684\u8ca1\u5bcc\u589e\u9577\u66f2\u7dda\u5c31\u6703\u96a8\u8457\u6642\u9593\u8d8a\u4f86\u8d8a\u9661\u5ced\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\/things-you-need-to-know-when-comparing-savings-insurance\">\u4e0d\u518d\u5132\u84c4\u8aa4\u589c\u9677\u9631\uff01\u5132\u84c4\u4fdd4\u5927\u5e38\u898b\u9677\u9631\u4f4d\u9010\u500b\u6349<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5b9a\u671f\u5b9a\u984d (DCA) vs \u4e00\u6b21\u6027\u6295\u5165\u7684\u512a\u52a3\u5206\u6790<\/h2>\n\n\n\n<p>\u5728\u8003\u616e10\u842c\u5982\u4f55\u904b\u7528\u6642\uff0c\u61c9\u4e00\u6b21\u904e\u6295\u5165\u9084\u662f\u5206\u6bb5\u5b9a\u671f\u5b9a\u984d\uff1f<\/p>\n\n\n<style>.kb-table-container15188_94bf9b-be{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container15188_94bf9b-be .kb-table15188_94bf9b-be{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container15188_94bf9b-be .kb-table15188_94bf9b-be thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container15188_94bf9b-be .kb-table15188_94bf9b-be thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container15188_94bf9b-be .kb-table15188_94bf9b-be tbody tr:last-child td:first-child, .kb-table-container15188_94bf9b-be .kb-table15188_94bf9b-be tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container15188_94bf9b-be .kb-table15188_94bf9b-be tbody tr:last-child td:last-child, .kb-table-container15188_94bf9b-be .kb-table15188_94bf9b-be tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container15188_94bf9b-be{overflow-x:auto;}.kb-table-container .kb-table15188_94bf9b-be 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-table15188_94bf9b-be th ul, .kb-table-container .kb-table15188_94bf9b-be th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15188_94bf9b-be 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-table15188_94bf9b-be td ul, .kb-table-container .kb-table15188_94bf9b-be td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15188_94bf9b-be td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table15188_94bf9b-be th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table15188_94bf9b-be td, .kb-table15188_94bf9b-be 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-table15188_94bf9b-be td, .kb-table15188_94bf9b-be 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-table15188_94bf9b-be td, .kb-table15188_94bf9b-be 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-container15188_94bf9b-be wp-block-kadence-table\"><table class=\"kb-table kb-table15188_94bf9b-be\">\n<tr class=\"kb-table-row kb-table-row15188_e6995c-ab\">\n<th class=\"kb-table-data kb-table-data15188_f21f53-9f\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-f0bd5c136030e0ab6fd433e4611bd3e0\"><strong>\u7b56\u7565<\/strong><\/p>\n\n<\/15188_f21f53-9f>\n\n<th class=\"kb-table-data kb-table-data15188_c98c9f-1d\">\n\n<p><strong>\u4e00\u6b21\u6027\u6295\u5165 (Lump Sum)<\/strong><\/p>\n\n<\/15188_c98c9f-1d>\n\n<th class=\"kb-table-data kb-table-data15188_1dbae3-3d\">\n\n<p><strong>\u5b9a\u671f\u5b9a\u984d (DCA) \u5206\u671f\u6295\u5165<\/strong><\/p>\n\n<\/15188_1dbae3-3d>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_d7a0d0-7d\">\n<th class=\"kb-table-data kb-table-data15188_a9287e-b5\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-faff4913c2ee69b6fffd3c04b43b2c6d\"><strong>\u512a\u9ede<\/strong><\/p>\n\n<\/15188_a9287e-b5>\n\n<td class=\"kb-table-data kb-table-data15188_413807-a3\">\n\n<p>\u725b\u5e02\u521d\u671f\u7372\u5229\u6700\u5927\uff0c\u7bc0\u7701\u591a\u6b21\u4ea4\u6613\u624b\u7e8c\u8cbb<\/p>\n\n<\/15188_413807-a3>\n\n<td class=\"kb-table-data kb-table-data15188_10e321-84\">\n\n<p>\u6524\u5e73\u5165\u5e02\u6210\u672c\u3001\u5fc3\u7406\u58d3\u529b\u4f4e\uff0c\u9069\u5408\u9707\u76ea\u5e02<\/p>\n\n<\/15188_10e321-84>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_523791-1c\">\n<th class=\"kb-table-data kb-table-data15188_99b0d1-e1\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-b9326104f631111f75fe57f664f9cb40\"><strong>\u7f3a\u9ede<\/strong><\/p>\n\n<\/15188_99b0d1-e1>\n\n<td class=\"kb-table-data kb-table-data15188_15aa42-03\">\n\n<p>\u82e5\u5165\u5e02\u5373\u9047\u8dcc\u5e02\uff0c\u5e33\u9762\u8667\u640d\u5e36\u4f86\u7684\u5fc3\u7406\u58d3\u529b\u8f03\u5927<\/p>\n\n<\/15188_15aa42-03>\n\n<td class=\"kb-table-data kb-table-data15188_71348c-f7\">\n\n<p>\u725b\u5e02\u6301\u7e8c\u589e\u9577\u6642\uff0c\u5e73\u5747\u8cb7\u5165\u6210\u672c\u6703\u62c9\u9ad8<\/p>\n\n<\/15188_71348c-f7>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15188_b432e4-77\">\n<th class=\"kb-table-data kb-table-data15188_dc86a1-e0\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-fd3b8ce83bb9d4f48c50a1860c5947eb\"><strong>\u5efa\u8b70<\/strong><\/p>\n\n<\/15188_dc86a1-e0>\n\n<td class=\"kb-table-data kb-table-data15188_79ea10-b7\">\n\n<p>\u82e5\u76ee\u524d\u5229\u7387\u8655\u65bc\u9ad8\u4f4d\uff0c\u7522\u54c1\u5229\u7387\u5438\u5f15\uff0c\u9069\u5408\u4e00\u7b46\u904e\u9396\u5b9a\u56de\u5831<\/p>\n\n<\/15188_79ea10-b7>\n\n<td class=\"kb-table-data kb-table-data15188_4d85de-be\">\n\n<p>\u6295\u8cc7\u80a1\u7968\u5e02\u5834\u6642\uff0c\u520612\u500b\u6708\u6295\u5165\u66f4\u7a69\u5065<\/p>\n\n<\/15188_4d85de-be>\n<\/tr>\n<\/table><\/div>\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u5236\u5b9a\u7b56\u7565\u6642\uff0c\u5fc5\u9808\u8003\u616e\u77ed\u671f\u8207\u9577\u671f\u7406\u8ca1\u7b56\u7565\u4e4b\u9593\u7684\u5dee\u7570\u3002\u77ed\u671f\u7406\u8ca1\u7b56\u7565\u901a\u5e38\u4ee5\u300c\u4fdd\u672c\u300d\u70ba\u4e3b\uff0c\u9069\u5408\u4e00\u6b21\u6027\u6295\u5165\u56fa\u5b9a\u6536\u76ca\u7522\u54c1\u4ee5\u9396\u5b9a\u5229\u606f\uff1b\u800c\u9577\u671f\u7406\u8ca1\u7b56\u7565\u5247\u8457\u91cd\u300c\u589e\u503c\u300d\uff0c\u900f\u904e\u5b9a\u671f\u5b9a\u984d\u6295\u5165\u80a1\u5e02\uff0c\u80fd\u6709\u6548\u5229\u7528\u8907\u606f\u6548\u61c9\u4e26\u6524\u5e73\u5e02\u5834\u6ce2\u52d5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8b9310\u842c\u6210\u70ba\u4f60\u7684\u8ca1\u5bcc\u52a0\u901f\u5668<\/h2>\n\n\n\n<p>\u670910\u842c\u9592\u9322\u5728\u624b\uff0c\u5982\u4f60\u77ed\u671f\u5167\u4e0d\u6703\u4f7f\u7528\uff0c\u4ea6\u4e0d\u60f3\u627f\u53d7\u592a\u5927\u7684\u50f9\u683c\u6ce2\u52d5\uff0cBlue\u63a8\u51fa\u7684<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">WeSave\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd (ST1) <\/a>\u63d0\u4f9b\u4e86\u4e00\u500b\u6975\u5177\u7af6\u722d\u529b\u7684\u65b9\u6848\u3002<\/p>\n\n\n\n<p>\u6b64\u5132\u84c4\u4fdd\u4ee5\u300c\u4fdd\u8b49\u9ad8\u606f\u300d\u53ca\u300c\u9ad8\u9748\u6d3b\u6027\u300d\u898b\u7a31\u3002\u76f8\u6bd4\u50b3\u7d71\u5b9a\u5b58\u7684\u7406\u8ca1\u65b9\u6cd5\uff0cST1\u7684\u4fdd\u8b49\u5e74\u5316\u56de\u5831\u5f80\u5f80\u66f4\u5177\u7af6\u722d\u529b\uff0c\u4e14\u6295\u4fdd\u904e\u7a0b\u5168\u7dda\u4e0a\u5b8c\u6210\u3002\u5c0d\u65bc10\u842c\u672c\u91d1\u5982\u4f55\u904b\u7528\u53ca\u7406\u8ca1\u65b0\u624b\uff0c\u9019\u6b3e\u7522\u54c1\u4e0d\u8a2d\u9577\u671f\u7684\u9396\u5b9a\u671f\uff0c\u8b93\u4f60\u7684\u8cc7\u91d1\u5728\u6536\u606f\u4e4b\u9918\u4fdd\u6301\u96a8\u6642\u61c9\u8b8a\u7684\u5f48\u6027\uff0c\u662f\u7406\u8ca1\u7522\u54c1\u4e2d\u7684\u9996\u9078\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=\"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<p>\u5e38\u898b\u554f\u984c 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