{"id":15487,"date":"2026-08-11T09:42:22","date_gmt":"2026-08-11T09:42:22","guid":{"rendered":"https:\/\/www.blue.com.hk\/blog\/?p=15487"},"modified":"2026-08-11T09:42:23","modified_gmt":"2026-08-11T09:42:23","slug":"irr-meaning-calculation-and-annualized-return","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/irr-meaning-calculation-and-annualized-return","title":{"rendered":"\u5167\u90e8\u5831\u916c\u7387\uff08IRR\uff09\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\u62c6\u89e3\u8a08\u7b97\u516c\u5f0f\u3001\u8207\u5e74\u5316\u5831\u916c\u7387\u4e4b\u5206\u5225"},"content":{"rendered":"\n<p>\u5167\u90e8\u5831\u916c\u7387\uff08IRR\uff09\u610f\u601d\u8207\u5e74\u5316\u5831\u916c\u7387\u76f8\u540c\uff0c\u4f46\u662f\u6703\u628a\u6bcf\u4e00\u7b46\u73fe\u91d1\u6d41\u5165\u8207\u6d41\u51fa\u7684\u6642\u9593\u9ede\u90fd\u8a08\u7b97\u5728\u5167\u3002\u6240\u4ee5\u5167\u90e8\u5831\u916c\u7387\u7684\u8a08\u7b97\uff0c\u91cd\u9ede\u4e0d\u53ea\u662f\u8cfa\u4e86\u591a\u5c11\uff0c\u9084\u6709\u4f55\u6642\u8cfa\u5230\u3002\u540c\u6a23\u8cfa1\u842c\u5143\uff0c\u4eca\u5e74\u5230\u624b\u548c10\u5e74\u5f8c\u5230\u624b\u7684\u50f9\u503c\u76f8\u5dee\u5f88\u9060\u3002\u5b78\u6703\u8a08\u7b97IRR\uff0c\u53ef\u4ee5\u66f4\u76f4\u89c0\u4e86\u89e3\u7406\u8ca1\u4fdd\u96aa\u7522\u54c1\u7684\u6536\u76ca\u60c5\u6cc1\uff0c<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\">Blue\u4fdd\u96aa\u9054\u4eba<\/a>\u5c07\u6703\u7531\u7fa9\u3001\u516c\u5f0f\u3001Excel\u8a08\u7b97\u65b9\u6cd5\uff0c\u8ac7\u5230IRR\u591a\u5c11\u624d\u7b97\u7406\u60f3\uff0c\u4ee5\u53ca\u5b83\u5bb9\u6613\u4ee4\u4eba\u8aa4\u5224\u7684\u76f2\u9ede\u3002<\/p>\n\n\n\n<h2 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IRR\u8981\u56de\u7b54\u7684\u554f\u984c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6df1\u5165\u5e95\u5c64\u908f\u8f2f\uff1a\u6298\u73fe\u7387\u3001\u6de8\u73fe\u503c\uff08NPV\uff09\u8207\u8907\u5229\u7684\u76f8\u4e92\u95dc\u4fc2<\/h2>\n\n\n\n<p>\u6298\u73fe\u7387\u662f\u628a\u672a\u4f86\u7684\u9322\u63db\u7b97\u6210\u4eca\u65e5\u50f9\u503c\u7684\u6bd4\u7387\uff0c\u80cc\u5f8c\u662f\u300c\u91d1\u9322\u7684\u6642\u9593\u503c\u300d\uff1a\u4eca\u65e5\u7684\u4e00\u5143\u53ef\u4ee5\u62ff\u53bb\u6295\u8cc7\u751f\u606f\uff0c\u50f9\u503c\u9ad8\u65bc\u4e00\u5e74\u5f8c\u7684\u4e00\u5143\u3002\u6de8\u73fe\u503c\uff08NPV\uff09\u5247\u662f\u628a\u672a\u4f86\u6240\u6709\u73fe\u91d1\u6d41\u5165\u6309\u6298\u73fe\u7387\u5404\u81ea\u6298\u7b97\u56de\u73fe\u503c\uff0c\u518d\u6e1b\u53bb\u521d\u59cb\u6210\u672c\u5f8c\u7684\u7e3d\u548c\u3002\u516c\u5f0f\u5982\u4e0b\uff1a<\/p>\n\n\n\n<p><strong>NPV \uff1d \u03a3 [ \u7b2c t \u671f\u73fe\u91d1\u6d41 \u00f7 (1 \uff0b \u6298\u73fe\u7387)^t ] \uff0d \u521d\u59cb\u6295\u5165<\/strong><\/p>\n\n\n\n<p>\u800cIRR\uff0c\u5c31\u662f\u4ee4\u4e0a\u8ff0NPV\u7b49\u65bc0\u7684\u90a3\u4e00\u500b\u6298\u73fe\u7387\u3002\u5b83\u4e0d\u662f\u5916\u90e8\u6c7a\u5b9a\uff0c\u800c\u662f\u7531\u73fe\u91d1\u6d41\u53cd\u904e\u4f86\u8a08\u7b97\u51fa\u4f86\u7684\u5167\u90e8\u6bd4\u7387\u3002\u8907\u5229\u5247\u85cf\u5728\u516c\u5f0f\u7684\u6307\u6578 ^t\u88e1\u3002\u6bcf\u904e\u4e00\u671f\u5c31\u591a\u9664\u4e00\u6b21 (1\uff0b\u6298\u73fe\u7387)\uff0c\u7b49\u65bc\u5047\u8a2d\u8cc7\u91d1\u9010\u671f\u6efe\u5b58\u751f\u606f\u3002\u8209\u4f8b\uff0c\u672c\u91d1 10 \u842c\u5143\u4ee5 5% \u8907\u5229\u6efe\u5b58\u4e09\u5e74\uff0c\u7d42\u503c\u662f10\u842c \u00d7\uff081.05\uff09\u00b3 \u2248 11.58\u842c\u5143\uff0c\u6bd4\u55ae\u5229\u7684 11.5\u842c\u5143\u591a\u3002IRR\u5167\u5efa\u4e86\u9019\u7a2e\u9010\u671f\u6efe\u5b58\u7684\u5047\u8a2d\uff0c\u6240\u4ee5\u5b83\u53cd\u6620\u7684\u662f\u8907\u5229\u5e74\u56de\u5831\uff0c\u800c\u4e0d\u662f\u628a\u7e3d\u56de\u5831\u9664\u4ee5\u5e74\u6578\u7684\u5e73\u5747\u503c\u3002[1]<\/p>\n\n\n\n<p>\u81f3\u65bcNPV\u8207IRR\u54ea\u500b\u66f4\u53ef\u9760\uff1f\u5176\u5be6\u5169\u8005\u4e92\u88dc\uff1aIRR\u7528\u767e\u5206\u6bd4\u5448\u73fe\uff0c\u76f4\u89c0\u6613\u6bd4\u8f03\uff1b\u8981\u5224\u65b7\u4e00\u9805\u6295\u8cc7\u5be6\u969b\u5275\u9020\u591a\u5c11\u91d1\u984d\u50f9\u503c\uff0c\u6216\u8005\u6bd4\u8f03\u898f\u6a21\u5dee\u5f88\u9060\u7684\u9078\u9805\u6642\uff0cNPV\u66f4\u6e96\u78ba\u3002\u5be6\u969b\u64cd\u4f5c\u4e0a\uff0c\u901a\u5e38\u5169\u8005\u4e26\u7528\u4f86\u6bd4\u8f03\u7406\u8ca1\u7522\u54c1\u3002<\/p>\n\n\n\n<h2 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class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-dc155912907188940e6404833a805cb7\"><strong>\u6307\u6a19<\/strong><\/p>\n\n<\/15487_3f77eb-3a>\n\n<th class=\"kb-table-data kb-table-data15487_88d280-d4\">\n\n<p><strong>\u662f\u5426\u8003\u616e\u6642\u9593\u8207\u8907\u5229<\/strong><\/p>\n\n<\/15487_88d280-d4>\n\n<th class=\"kb-table-data kb-table-data15487_983d66-66\">\n\n<p><strong>\u9069\u7528\u60c5\u666f<\/strong><\/p>\n\n<\/15487_983d66-66>\n\n<th class=\"kb-table-data kb-table-data15487_821b8d-0f\">\n\n<p><strong>\u4e3b\u8981\u9650\u5236<\/strong><\/p>\n\n<\/15487_821b8d-0f>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15487_4b75f4-6a\">\n<th class=\"kb-table-data kb-table-data15487_93619c-b0\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-a6a816c54bf00831f9ce0a252c0a0425\"><strong>IRR\uff08\u5167\u90e8\u56de\u5831\u7387\uff09<\/strong><\/p>\n\n<\/15487_93619c-b0>\n\n<td class=\"kb-table-data kb-table-data15487_88daf6-a0\">\n\n<p>\u662f<\/p>\n\n<\/15487_88daf6-a0>\n\n<td class=\"kb-table-data kb-table-data15487_bb209b-27\">\n\n<p>\u5206\u671f\u4f9b\u6b3e\u3001\u591a\u6b21\u6d3e\u606f\u7b49\u4e0d\u898f\u5247\u73fe\u91d1\u6d41\uff08\u5982\u4fdd\u55ae\u3001\u57fa\u91d1\u5b9a\u6295\uff09<\/p>\n\n<\/15487_bb209b-27>\n\n<td class=\"kb-table-data kb-table-data15487_7ebbe2-a2\">\n\n<p>\u8a08\u7b97\u8f03\u8907\u96dc\uff0c\u4e14\u6709\u591a\u9805\u53cd\u76f4\u89ba\u76f2\u9ede<\/p>\n\n<\/15487_7ebbe2-a2>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15487_e1ed45-ec\">\n<th class=\"kb-table-data kb-table-data15487_05a392-77\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-954ee5e01cb15fb5e9ada434b198612c\"><strong>\u5e74\u5316\u5831\u916c\u7387<\/strong><\/p>\n\n<\/15487_05a392-77>\n\n<td class=\"kb-table-data kb-table-data15487_c85c3f-aa\">\n\n<p>\u662f\uff0c\u4f46\u53ea\u8a08\u7b97\u8907\u5229\u90e8\u5206<\/p>\n\n<\/15487_c85c3f-aa>\n\n<td class=\"kb-table-data kb-table-data15487_d5d0da-99\">\n\n<p>\u55ae\u7b46\u4e00\u6b21\u904e\u6295\u5165\u3001\u4e00\u6b21\u904e\u53d6\u56de\u7684\u7406\u8ca1\u9805\u76ee<\/p>\n\n<\/15487_d5d0da-99>\n\n<td class=\"kb-table-data kb-table-data15487_1cea3d-4d\">\n\n<p>\u53ea\u9069\u5408\u55ae\u9032\u55ae\u51fa\uff0c\u591a\u7b46\u73fe\u91d1\u6d41\u6703\u5931\u6e96<\/p>\n\n<\/15487_1cea3d-4d>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15487_45db8a-da\">\n<th class=\"kb-table-data kb-table-data15487_e480e8-e2\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-2b3493fbbc0bb2d218e894ece12e6a75\"><strong>ROI\uff08\u6295\u8cc7\u5831\u916c\u7387\uff09<\/strong><\/p>\n\n<\/15487_e480e8-e2>\n\n<td class=\"kb-table-data kb-table-data15487_41320d-4f\">\n\n<p>\u5426<\/p>\n\n<\/15487_41320d-4f>\n\n<td class=\"kb-table-data kb-table-data15487_af99dd-a7\">\n\n<p>\u5feb\u901f\u770b\u55ae\u7b46\u4ea4\u6613\u7e3d\u5171\u6536\u76ca\uff0f\u8667\u640d<\/p>\n\n<\/15487_af99dd-a7>\n\n<td class=\"kb-table-data kb-table-data15487_2d7055-78\">\n\n<p>\u4e0d\u5206\u5e74\u671f\uff0c2\u5e74\u8cfa 20%\u820710\u5e74\u8cfa20%\u770b\u8d77\u4f86\u4e00\u6a23<\/p>\n\n<\/15487_2d7055-78>\n<\/tr>\n<\/table><\/div>\n\n\n<p>\u7576\u4e00\u9805\u6295\u8cc7\u53ea\u6709\u300c\u4e00\u6b21\u6295\u5165\u3001\u4e00\u6b21\u53d6\u56de\u300d\uff0cIRR\u5c31\u7b49\u65bc\u5e74\u5316\u5831\u916c\u7387\uff1b\u4e00\u65e6\u51fa\u73fe\u5206\u671f\u4f9b\u6b3e\u6216\u4e2d\u9014\u6d3e\u606f\u9019\u985e\u591a\u7b46\u73fe\u91d1\u6d41\uff0c\u5169\u8005\u624d\u6703\u6709\u6240\u5206\u5225\u3002\u800c\u5e74\u5316\u5831\u916c\u7387\u672c\u8eab\u5df2\u8a08\u5165\u8907\u5229\uff0c\u9019\u4e5f\u662f\u5b83\u6bd4ROI\u66f4\u8cbc\u8fd1\u771f\u5be6\u56de\u5831\u7684\u539f\u56e0\u3002IRR\u548cROI\u7684\u5206\u5225\uff0c\u7c21\u55ae\u4f86\u8aaa\uff0c\u5c31\u662fROI\u544a\u8a34\u4f60\u8cfa\u4e86\u591a\u5c11\uff0cIRR\u544a\u8a34\u4f60\u8cfa\u5f97\u591a\u5feb\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5982\u4f55\u7528 Excel \u5feb\u901f\u8a08\u7b97\u4fdd\u55ae IRR\uff1f<\/strong><\/h2>\n\n\n\n<p>\u8a08\u7b97\u4fdd\u55aeIRR\uff0cExcel\u7684XIRR\u51fd\u6578\u6703\u66f4\u70ba\u9069\u7528\uff0c\u56e0\u70ba\u4fdd\u55ae\u7684\u4f9b\u6b3e\u548c\u9818\u53d6\u65e5\u671f\u901a\u5e38\u4e0d\u662f\u7b49\u8ddd\u7684\u3002XIRR\u5bb9\u8a31\u4f60\u8f38\u5165\u5be6\u969b\u65e5\u671f\uff0c\u8a08\u7b97\u4e0d\u5b9a\u671f\u73fe\u91d1\u6d41\u7684\u5167\u90e8\u5831\u916c\u7387\uff0c\u66f4\u8cbc\u8fd1\u4fdd\u55ae\u5be6\u6cc1\u3002\u6b65\u9a5f\u5982\u4e0b[2]\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5217\u51fa\u6240\u6709\u73fe\u91d1\u6d41\u7684\u65e5\u671f\uff1a<\/strong>\u5728A\u6b04\u7531\u4e0a\u800c\u4e0b\u8f38\u5165\u6bcf\u4e00\u6b21\u4f9b\u6b3e\u8207\u9818\u53d6\u7684\u5be6\u969b\u65e5\u671f\uff08\u4f9b\u6b3e\u65e5\u3001\u6bcf\u6b21\u6d3e\u606f\u65e5\u3001\u671f\u6eff\u9818\u53d6\u65e5\uff09\u3002<\/li>\n\n\n\n<li><strong>\u5217\u51fa\u5c0d\u61c9\u91d1\u984d\uff0c\u4e26\u6ce8\u610f\u6b63\u8ca0\u865f\uff1a<\/strong>\u5728B\u6b04\u8f38\u5165\u5c0d\u61c9\u91d1\u984d\u3002\u652f\u51fa\uff08\u4f9b\u6b3e\uff09\u7528\u8ca0\u6578\uff0c\u6536\u5165\uff08\u9818\u53d6\u3001\u6d3e\u606f\uff09\u7528\u6b63\u6578\uff0c\u6b63\u8ca0\u865f\u662fIRR\u8a08\u7b97\u7684\u95dc\u9375\uff0c\u5f04\u932f\u65b9\u5411\u7d50\u679c\u6703\u5b8c\u5168\u5931\u771f\u3002<\/li>\n\n\n\n<li><strong>\u5728\u7a7a\u767d\u5132\u5b58\u683c\u8f38\u5165\u516c\u5f0f\uff1a<\/strong>\u4f8b\u5982=XIRR(B2:B10, A2:A10)\uff0c\u7b2c1\u500b\u53c3\u6578\u662f\u91d1\u984d\u7bc4\u570d\uff0c\u7b2c2\u500b\u662f\u65e5\u671f\u7bc4\u570d\u3002<\/li>\n\n\n\n<li><strong>\u52a0\u5165\u731c\u6e2c\u503c\uff08\u5982\u51fa\u73fe\u932f\u8aa4\uff09\uff1a<\/strong>\u82e5\u516c\u5f0f\u56de\u50b3#NUM!\uff0c\u5728\u7b2c3\u500b\u53c3\u6578\u88dc\u4e00\u500b\u4f30\u8a08\u503c\uff0c\u4f8b\u5982=XIRR(B2:B10, A2:A10, 0.05)\uff0c\u5354\u52a9 Excel \u904b\u7b97\u3002<\/li>\n\n\n\n<li><strong>\u5c07\u7d50\u679c\u683c\u5f0f\u8a2d\u70ba\u767e\u5206\u6bd4\uff1a<\/strong>\u5f97\u51fa\u7684\u6578\u503c\u5373\u70ba\u8a72\u4fdd\u55ae\u7684\u5e74\u5316IRR\u3002<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u55ae\u5167\u90e8\u5831\u916c\u7387\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/h3>\n\n\n\n<p>\u8209\u4f8b\u8aaa\u660e\uff1a\u6295\u4fdd\u4eba\u6bcf\u5e74\u5e74\u521d\u4f9b\u6b3e10\u842c\u5143\u3001\u9023\u4f9b3\u5e74\uff0c\u7b2c5\u5e74\u5e95\u4e00\u6b21\u904e\u9818\u56de35\u842c\u5143\u3002\u73fe\u91d1\u6d41\u5c31\u662f\u221210\u842c\u3001\u221210\u842c\u3001\u221210\u842c\u30010\u3001\uff0b35\u842c\uff0c\u914d\u4e0a\u4f9b\u6b3e\u65e5\u671f\uff0c\u7528XIRR\u8a08\u7b97\u5c31\u80fd\u5f97\u51fa\u9019\u4efd\u4fdd\u55ae\u7684\u771f\u5be6\u5e74\u56de\u5831\u3002\u9019\u5c31\u662f\u4fdd\u55ae\u5167\u90e8\u5831\u916c\u7387\u7684\u610f\u601d\uff1a\u628a\u5efa\u8b70\u66f8\u4e0a\u96f6\u6563\u7684\u6578\u5b57\uff0c\u9084\u539f\u6210\u4e00\u500b\u80fd\u548c\u5176\u4ed6\u7522\u54c1\u6bd4\u8f03\u7684\u5e74\u5229\u7387\u3002\u7528\u540c\u4e00\u65b9\u6cd5\u7b97\u4e0d\u540c\u4fdd\u55ae\u7684IRR\uff0c\u5c31\u80fd\u5ba2\u89c0\u6bd4\u8f03\u4fdd\u55ae\u512a\u52a3\uff0c\u4e0d\u6703\u88ab\u300c\u7e3d\u56de\u5831\u7387\u300d\u7684\u8868\u9762\u6578\u5b57\u8aa4\u5c0e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>IRR\u7684\u5224\u5b9a\u57fa\u6e96\u8207\u5c40\u9650\u6027\u62c6\u89e3<\/strong><\/h2>\n\n\n\n<p>\u5f97\u51faIRR\u6578\u5b57\u5f8c\uff0c\u9084\u67092\u500b\u554f\u984c\uff1a\u9019\u500b\u6578\u5b57\u7b97\u9ad8\u9084\u662f\u4f4e\uff1f\u5b83\u6703\u4e0d\u6703\u8aa4\u5c0e\u4f60\uff1fIRR\u662f\u6709\u529b\u7684\u5de5\u5177\uff0c\u4f46\u4e0d\u662f\u842c\u80fd\uff0c\u55ae\u770b\u4e00\u500b\u767e\u5206\u6bd4\uff0c\u5f88\u5bb9\u6613\u5224\u65b7\u932f\u8aa4\u3002\u4ee5\u4e0b\u5148\u8b1b\u5224\u5b9a\u6a19\u6e96\uff0c\u518d\u62c6\u89e3\u5e38\u898b\u76f2\u9ede\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5e02\u5834\u771f\u5be6\u56de\u5831\u6307\u6a19\uff1aIRR\u591a\u5c11\u624d\u7b97\u7406\u60f3\uff1f<\/strong><\/h3>\n\n\n\n<p>IRR\u591a\u5c11\u624d\u7b97\u597d\uff0c\u6c92\u6709\u7d55\u5c0d\u6a19\u6e96\uff0c\u8981\u770b3\u500b\u6307\u6a19\uff1a\u901a\u8139\u7387\u3001\u4f4e\u98a8\u96aa\u5229\u7387\uff0c\u4ee5\u53ca\u540c\u985e\u7522\u54c1\u7684\u56de\u5831\u3002\u53ef\u4ee5\u6309\u9019\u500b\u9806\u5e8f\u5224\u65b7\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>IRR \u6700\u5c11\u8981\u9ad8\u65bc\u901a\u8139\uff1a<\/strong>\u5426\u5247\u8cc7\u91d1\u7684\u5be6\u8cea\u8cfc\u8cb7\u529b\u4ecd\u7136\u662f\u7e2e\u6c34\u3002<\/li>\n\n\n\n<li><strong>\u8207\u4f4e\u98a8\u96aa\u7522\u54c1\u56de\u5831\u6bd4\u8f03\uff1a<\/strong>\u4f8b\u5982\u653f\u5e9c\u50b5\u5238\u6216\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\u7684\u5229\u7387\uff0c\u4e00\u9805\u6709\u98a8\u96aa\u7684\u6295\u8cc7\u5982\u679cIRR\u53ea\u548c\u5b9a\u5b58\u76f8\u82e5\uff0c\u5c31\u672a\u5fc5\u503c\u5f97\u627f\u53d7\u984d\u5916\u98a8\u96aa\u3002<\/li>\n\n\n\n<li><strong>\u8207\u540c\u985e\u7522\u54c1\u6bd4\u8f03\uff1a<\/strong>\u6bd4\u8f03IRR\u9ad8\u4f4e\u53bb\u6c7a\u5b9a\u7522\u54c1<\/li>\n<\/ul>\n\n\n\n<p>\u5167\u90e8\u5831\u916c\u7387\u9ad8\u4ee3\u8868\u8cc7\u91d1\u589e\u503c\u5feb\uff0c\u4f46\u9ad8IRR\u5f80\u5f80\u4e5f\u4f34\u96a8\u9ad8\u98a8\u96aa\uff0c\u6216\u5efa\u57fa\u65bc\u4e0d\u4fdd\u8b49\u7684\u6a02\u89c0\u5047\u8a2d\uff0c\u8981\u5224\u65b7IRR\u597d\u4e0d\u597d\uff0c\u8981\u9023\u540c\u98a8\u96aa\u548c\u73fe\u91d1\u6d41\u7684\u53ef\u9760\u7a0b\u5ea6\u4e00\u8d77\u770b\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\/low-risk-investment-tools-and-products\">\u4f4e\u98a8\u96aa\u7406\u8ca1\u5de5\u5177\u5168\u653b\u7565\uff1a10\u842c-50\u842c\u9592\u7f6e\u8cc7\u91d1\u5982\u4f55\u5b89\u5168\u5730\u70ba\u8cc7\u7522\u589e\u503c\uff1f<\/a><\/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<h3 class=\"wp-block-heading\"><strong>\u6df1\u5165\u76f2\u9ede\uff1aIRR\u6307\u6a19\u7684\u5c40\u9650\u6027\u8207\u53cd\u76f4\u89ba\u9677\u9631<\/strong><\/h3>\n\n\n\n<p>IRR \u8d8a\u9ad8\u8d8a\u597d\u55ce\uff1f\u672a\u5fc5\u3002\u4ee5\u4e0b\u5e7e\u500b\u53cd\u76f4\u89ba\u9677\u9631\uff0c\u8aaa\u660e\u70ba\u4f55\u4e0d\u80fd\u55ae\u6191 IRR \u9ad8\u4f4e\u505a\u6c7a\u5b9a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u591a\u91cdIRR\u554f\u984c\uff1a<\/strong>\u7576\u73fe\u91d1\u6d41\u7684\u6d41\u51fa\u6d41\u5165\u4e0d\u65b7\u6539\u8b8a\uff0c\u5728\u8a08\u7b97\u4e0a\u6703\u591a\u51fa\u4e00\u500b IRR\uff0c\u4ee4\u7d50\u679c\u5931\u53bb\u53c3\u8003\u50f9\u503c\u3002<\/li>\n\n\n\n<li><strong>\u904e\u65bc\u6a02\u89c0\u7684\u6295\u8cc7\u5047\u8a2d\uff1a<\/strong>IRR\u5167\u5efa\u5047\u8a2d\u300c\u6bcf\u4e00\u7b46\u6536\u5230\u7684\u73fe\u91d1\uff0c\u90fd\u80fd\u4ee5\u76f8\u540c\u7684IRR\u518d\u6295\u8cc7\u51fa\u53bb\u300d\u3002\u73fe\u5be6\u4e2d\u82e5\u518d\u6295\u8cc7\u56de\u5831\u8f03\u4f4e\uff0c\u5be6\u969b\u56de\u5831\u6703\u4f4e\u65bcIRR\u986f\u793a\u7684\u6578\u5b57\u3002<\/li>\n\n\n\n<li><strong>\u5ffd\u7565\u6295\u8cc7\u898f\u6a21\u8207<\/strong><strong>\u5be6\u969b<\/strong><strong>\u91d1\u984d\uff1a<\/strong>IRR\u53ea\u662f\u767e\u5206\u6bd4\u3002\u4e00\u9805\u6295\u51651\u842c\u3001IRR 50%\u7684\u6a5f\u6703\uff0c\u8cfa\u5230\u7684\u5be6\u969b\u91d1\u984d\uff0c\u53ef\u80fd\u9060\u5c11\u65bc\u6295\u5165100\u842c\u3001IRR 8%\u7684\u9078\u9805\u3002\u9ad8 IRR \u4e0d\u7b49\u65bc\u8cfa\u5f97\u591a\u3002<\/li>\n\n\n\n<li><strong>\u504f\u8892\u77ed\u671f\u9805\u76ee\uff1a<\/strong>\u5728\u6578\u5b78\u4e0a\uff0c\u56de\u672c\u5feb\u7684\u77ed\u671f\u9805\u76ee\u5f80\u5f80\u7b97\u51fa\u8f03\u9ad8\u7684IRR\uff0c\u53ef\u80fd\u4ee4\u4eba\u5ffd\u7565\u9577\u671f\u800c\u7a69\u5065\u3001\u7e3d\u50f9\u503c\u66f4\u9ad8\u7684\u9078\u64c7\u3002<\/li>\n\n\n\n<li><strong>\u9ad8\u5ea6\u4f9d\u8cf4\u73fe\u91d1\u6d41\u9810\u6e2c\u7684\u6e96\u78ba\u5ea6\uff1a<\/strong>IRR\u7684\u53ef\u9760\u7a0b\u5ea6\uff0c\u53d6\u6c7a\u65bc\u8f38\u5165\u7684\u73fe\u91d1\u6d41\u662f\u5426\u78ba\u5b9a\u3002\u82e5\u7576\u4e2d\u5305\u542b\u300c\u975e\u4fdd\u8b49\u56de\u5831\u300d\u7b49\u9810\u671f\u6578\u5b57\uff0c\u7b97\u51fa\u7684IRR\u53ea\u662f\u7d19\u4e0a\u6578\u5b57\uff0c\u5be6\u969b\u672a\u5fc5\u514c\u73fe\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u6240\u4ee5\u5831\u916c\u7387\u4e0d\u662f\u8d8a\u9ad8\u8d8a\u597d\u3002\u4e00\u500b\u5efa\u57fa\u65bc\u4fdd\u8b49\u73fe\u91d1\u6d41\u3001\u98a8\u96aa\u53ef\u63a7\u7684\u5408\u7406IRR\uff0c\u5f80\u5f80\u6bd4\u4e00\u500b\u5efa\u57fa\u65bc\u6a02\u89c0\u5047\u8a2d\u7684\u9ad8IRR\u66f4\u53ef\u4fe1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Blue WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fddST1 \u4fdd\u8b49\u56de\u5831\u6e05\u6670\u53ef\u8a08<\/h2>\n\n\n\n<p>\u8981\u4e86\u89e3\u4e00\u4efd\u5132\u84c4\u8a08\u5283\u7684\u771f\u5be6\u56de\u5831\uff0c\u5148\u8981\u5f04\u6e05\u5167\u90e8\u5831\u916c\u7387\u8207\u5e74\u5316\u5831\u916c\u7387\u7684\u5206\u5225\uff0c\u4e5f\u8981\u660e\u767d\u5167\u90e8\u5831\u916c\u7387\u662f\u4ec0\u9ebc\u610f\u601d\uff1a\u5b83\u8a08\u7b97\u6bcf\u7b46\u73fe\u91d1\u6d41\u7684\u6642\u9593\u9ede\uff0c\u5f97\u51fa\u7684\u624d\u662f\u53ef\u6bd4\u8f03\u7684\u771f\u5be6\u5e74\u56de\u5831\u3002\u800c\u5b83\u6700\u5927\u7684\u4e0d\u78ba\u5b9a\u6027\uff0c\u4f86\u81ea\u300c\u975e\u4fdd\u8b49\u56de\u5831\u300d\u3002\u7576\u73fe\u91d1\u6d41\u53ea\u662f\u9810\u671f\u3001\u4e0d\u662f\u627f\u8afe\uff0c\u7b97\u51fa\u4f86\u7684\u6578\u5b57\u5c31\u53ea\u662f\u7d19\u4e0a\u8ac7\u5175\uff0c\u6240\u4ee5\u73fe\u91d1\u6d41\u4fdd\u8b49\uff0c\u6bd4\u56de\u5831\u6578\u5b57\u672c\u8eab\u66f4\u91cd\u8981\u3002<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">Blue WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/a>\u6b63\u662f\u91dd\u5c0d\u9019\u4e00\u9ede\u800c\u8a2d\u3002\u5176\u4e2d\u7684 3 \u5e74\u671f\u8a08\u5283\u8b93\u4f60\u4ee5\u4e00\u7b46\u904e\u4fdd\u8cbb\u9396\u5b9a\u9ad8\u606f\uff0c\u63d0\u4f9b\u6bcf\u5e744.12% \u7684\u4fdd\u8b49\u56de\u5831\u7387\u3002\u914d\u5408\u4fdd\u8b49\u56de\u5831\u8207\u9748\u6d3b\u5e74\u671f\uff0c\u8b93\u4f60\u5728\u6295\u4fdd\u6642\u5c31\u80fd\u6e05\u695a\u78ba\u5b9a\u4f9b\u6b3e\u53ca\u671f\u6eff\u9818\u53d6\u7684\u91d1\u984d\uff0c\u52a9\u4f60\u66f4\u6709\u8a08\u5283\u5730\u5be6\u8e10\u4eba\u751f\u85cd\u5716\u8207\u5404\u500b\u968e\u6bb5\u7684\u76ee\u6a19\uff01<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment?discountCode3=BLOGST1\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"309\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog.jpg\" alt=\"3\u5e74\u671f\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd \u6bcf\u5e744.12%\u4fdd\u8b49\u56de\u5831\" class=\"wp-image-15401\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog.jpg 1200w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog-300x77.jpg 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog-1024x264.jpg 1024w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-sokosan-4.12-TC-blog-768x198.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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 (FAQ)<\/h2>\n\n\n\n<p><strong>\u70ba\u4ec0\u9ebc\u6709\u4e9b\u4fdd\u96aa\u5efa\u8b70\u66f8\u4e0a\u7684\u300c\u7e3d\u56de\u5831\u7387\u300d\u9ad8\u9054 200%\uff0c\u4f46\u6298\u7b97\u4e0b\u4f86\u7684\u771f\u5be6 IRR \u537b\u53ea\u6709 3% \u5de6\u53f3\uff1f<\/strong><br>\u56e0\u70ba\u300c\u7e3d\u56de\u5831\u7387\u300d\u662f\u4e0d\u770b\u6642\u9593\u7684\u7d2f\u7a4d\u6578\u5b57\uff0cIRR \u770b\u7684\u662f\u6bcf\u5e74\u8907\u5229\u6efe\u5b58\u7684\u901f\u5ea6\u3002\u6240\u8b02\u7e3d\u56de\u5831 200%\uff0c\u662f\u6307\u672c\u91d1\u6700\u7d42\u8b8a\u6210\u7d04 3 \u500d\uff1b\u4f46\u82e5\u9019\u662f\u9760 30 \u5e74\u4ee5\u4e0a\u6162\u6162\u7d2f\u7a4d\u56de\u4f86\u7684\uff0c\u628a\u6642\u9593\u6524\u958b\uff0c\u5e74\u5316 IRR \u5927\u7d04\u53ea\u6709 3% \u81f3 4%\u3002<\/p>\n\n\n\n<p><strong>\u5132\u84c4\u7522\u54c1\u7684\u300c\u975e\u4fdd\u8b49\u56de\u5831\uff08\u9810\u671f\u56de\u5831\uff09\u300d\u53ef\u4ee5\u62ff\u4f86\u7576\u4f5c\u6311\u9078\u4f9d\u64da\u55ce\uff1f<\/strong><br>\u53ef\u4ee5\u53c3\u8003\uff0c\u4f46\u4e0d\u61c9\u8a72\u7576\u6210\u552f\u4e00\u6216\u4e3b\u8981\u4f9d\u64da\u3002\u975e\u4fdd\u8b49\u56de\u5831\u5c6c\u65bc\u9810\u671f\u6027\u8cea\uff0c\u6703\u96a8\u4fdd\u96aa\u516c\u53f8\u7684\u5be6\u969b\u6295\u8cc7\u8868\u73fe\u6d6e\u52d5\uff0c\u6700\u7d42\u672a\u5fc5\u514c\u73fe\u3002\u6311\u9078\u6642\uff0c\u628a\u300c\u4fdd\u8b49\u56de\u5831\u300d\u548c\u300c\u975e\u4fdd\u8b49\u56de\u5831\u300d\u5206\u958b\u770b\uff1a\u5148\u78ba\u8a8d\u4fdd\u8b49\u90e8\u5206\u662f\u5426\u5df2\u7b26\u5408\u4f60\u7684\u9700\u8981\uff0c\u518d\u628a\u975e\u4fdd\u8b49\u90e8\u5206\u7576\u6210\u984d\u5916\u7684\u53ef\u80fd\u6027\uff0c\u800c\u4e0d\u662f\u627f\u8afe\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<p>1.\u6295\u59d4\u6703 &#8211; <a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/blog\/2021\/05\/eight-wonder-compound-interest.page\">\u4e16\u754c\u7b2c\u516b\u5927\u5947\u8e5f &#8211; \u8907\u5229<\/a><br>2. Microsoft &#8211; <a href=\"https:\/\/support.microsoft.com\/en-us\/office\/xirr-function-de1242ec-6477-445b-b11b-a303ad9adc9d\">Excel XIRR \u51fd\u6578\u8a9e\u6cd5<\/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 <br>\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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