{"id":9673,"date":"2023-06-13T06:55:00","date_gmt":"2023-06-13T06:55:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=9673"},"modified":"2025-12-18T06:26:59","modified_gmt":"2025-12-18T06:26:59","slug":"short-term-long-term-savings-insurance-comparison","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/short-term-long-term-savings-insurance-comparison","title":{"rendered":"\u77ed\u671f\u6216\u5132\u84c4\uff1f\u4e00\u6587\u8a8d\u6e05\u6700\u5408\u9069\u4f60\u7684\u5132\u84c4\u4fdd\u96aa"},"content":{"rendered":"\n<p>\u4e0d\u8ad6\u4f60\u662f\u525b\u6295\u8eab\u793e\u6703\u7684\u5e74\u8f15\u4eba\uff0c\u9084\u662f\u6b63\u70ba\u9000\u4f11\u505a\u6253\u7b97\uff0c\u90fd\u9700\u8981\u597d\u597d\u4e86\u89e3\u4e0d\u540c\u5132\u84c4\u4fdd\u96aa\u7684\u7279\u9ede\uff0c\u624d\u53ef\u4ee5\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u4fdd\u96aa\uff0c\u5229\u7528\u6e96\u78ba\u7684\u8ca1\u52d9\u898f\u5283\u53bb\u9762\u5c0d\u5404\u7a2e\u4eba\u751f\u5927\u5c0f\u4e8b\u3002&nbsp;\u9762\u5c0d\u8ca1\u52d9\u898f\u5283\u7684\u9078\u64c7\uff0c<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/\">Blue\u8cc7\u8a0a\u5718\u968a<\/a>\u70ba\u5927\u5bb6\u5168\u9762\u6bd4\u8f03\u6d3b\u671f\u5b58\u6b3e\u8207\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u7684\u5dee\u7570\uff0c\u52a9\u60a8\u77ad\u89e3\u5982\u4f55\u5728\u7a69\u5b9a\u6536\u76ca\u8207\u6d41\u52d5\u6027\u4e4b\u9593\u505a\u51fa\u6700\u4f73\u9078\u64c7\uff0c\u7acb\u5373\u4e86\u89e3\u66f4\u591a\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u77ed\u671f\u5132\u84c4\u4fdd\u96aa<\/strong><\/h2>\n\n\n\n<p>\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u662f\u4e00\u7a2e\u4eba\u58fd\u4fdd\u96aa\u7522\u54c1\uff0c\u901a\u5e38\u4e0d\u6d89\u53ca\u975e<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/savings-insurance-guaranteed-returns\/\">\u4fdd\u8b49\u56de\u5831<\/a>\uff0c\u65e8\u5728\u63d0\u4f9b\u53ef\u9810\u671f\u56de\u5831\uff0c\u4e14\u4fdd\u969c\u671f\u8f03\u77ed\uff0c\u53ef\u4ee5\u5feb\u901f\u56de\u672c\u3002&nbsp;\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u597d\u8655\uff1a&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6295\u8cc7\u671f\u77ed\uff1a\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u7684\u4f9b\u6b3e\u671f\u4e00\u822c\u70ba\u6574\u7b46\u7e73\u4ed8\u3001\u6708\u7e73\u6216\u5e74\u7e73\u7b49\uff0c\u800c\u6700\u5e38\u898b\u7684\u4fdd\u55ae\u70ba3\u5e74\u5132\u84c4\u8a08\u5283\u62165\u5e74\u5132\u84c4\u8a08\u5283\uff0c\u8f03\u9069\u5408\u77ed\u671f\u9700\u8981\u5132\u84c4\u56de\u5831\u7684\u4eba\u3002&nbsp;<\/li>\n\n\n\n<li>\u4fdd\u55ae\u4f9b\u6b3e<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/safe-haven-currencies-things-to-know-about\/\">\u8ca8\u5e63<\/a>\u9078\u64c7\u591a\uff1a\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u901a\u5e38\u63a5\u53d7\u591a\u7a2e\u8ca8\u5e63\u5982\u7f8e\u5143\u3001\u6e2f\u5143\u3001\u4eba\u6c11\u5e63\u7b49\u7684\u4f9b\u6b3e\u3002\u7531\u65bc\u5176\u4ed6\u8ca8\u5e63\u53ef\u80fd\u63d0\u4f9b\u66f4\u9ad8\u7684\u5229\u7387\uff0c\u76f8\u5c0d\u65bc\u6e2f\u5143\u66f4\u6709\u5438\u5f15 \u529b\u3002&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>\u9078\u64c7\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u901a\u5e38\u70ba\u9054\u6210\u77ed\u671f\u5167\u8cc7\u7522\u589e\u503c\u7684\u76ee\u6a19\uff0c\u591a\u6578\u8f03\u91cd\u8996\u4fdd\u8b49\u56de\u5831\u3002Blue\u63d0\u4f9b\u7684\u7522\u54c1\uff0c\u4fdd\u8b49\u56de\u5831\u8f03\u9ad8\u4e14\u5e74\u671f\u8f03\u77ed\uff0c\u98a8\u96aa\u8f03\u5c0f\uff0c\u914d\u5408\u4e0d\u540c\u6295\u8cc7\u8005\u627f\u53d7\u98a8\u96aa\u80fd\u529b\u7684\u7a0b\u5ea6\uff0c\u662f\u7406\u8ca1\u898f\u5283\u7684\u91cd\u8981\u9078\u64c7\u4e4b\u4e00\u3002&nbsp;<\/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<p>&nbsp;\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/short-term-savings-insurance-comparison\/\"><u>\u3010\u6d3b\u671f\u5b58\u6b3eVS\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u3011\u908a\u6a23\u66f4\u9748\u6d3b\u53c8\u56de\u5831\u9ad8\uff1f\u4e00\u6587\u4e86\u89e3\u77ed\u671f\uff0f\u6d3b\u671f\u5132\u84c4\u4fdd\u96aa\u597d\u8655<\/u><\/a>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9577\u671f\u5132\u84c4\u4fdd\u96aa&nbsp;<\/strong><\/h2>\n\n\n\n<p>\u76f8\u8f03\u65bc\u77ed\u671f\u4fdd\u96aa\u7522\u54c1\uff0c\u9577\u671f\u5132\u84c4\u4fdd\u96aa\u7684\u56de\u5831\u671f\u53ef\u80fd\u662f10\u5e74\u81f320\u5e74\u4e0d\u7b49\uff0c\u662f\u5be6\u73fe\u9577\u671f\u7406\u8ca1\u8a08\u5283\u7684\u4e00\u7a2e\u65b9\u6cd5\uff0c\u4f8b\u5982\u5b50\u5973\u6559\u80b2\u3001\u6d77\u5916\u7559\u5b78\u3001\u623f\u5c4b\u8cb8\u6b3e\u9084\u6b3e\u53ca\u9000\u4f11\u7b49\uff0c\u8f03\u70ba\u9069\u5408\u5bb6\u9577\u53ca\u4e2d\u5e74\u4eba\u58eb\u3002&nbsp;<\/p>\n\n\n\n<p>\u9577\u671f\u5132\u84c4\u4fdd\u96aa\u597d\u8655\uff1a&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9664\u4fdd\u8b49\u56de\u5831\u5916\uff0c\u4e00\u822c\u66f4\u63d0\u4f9b\u975e\u4fdd\u8b49\u56de\u5831\uff0c\u9ad8\u98a8\u96aa\u9ad8\u56de\u5831\uff0c\u9069\u5408\u4e0d\u540c\u627f\u53d7\u98a8\u96aa\u80fd\u529b\u7684\u4eba\u58eb&nbsp;<\/li>\n\n\n\n<li>\u4f5c\u70ba\u5bb6\u5ead\u907a\u7522\u7684\u4e00\u7a2e\uff0c\u63d0\u4f9b\u7a69\u5b9a\u53ca\u9577\u7dda\u7684\u8ca1\u5bcc\u589e\u503c\u65b9\u6cd5\uff0c\u5be6\u73fe\u5bb6\u65cf\u8ca1\u5bcc\u50b3\u627f&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>&nbsp;\u5728\u9078\u64c7\u9577\u671f\u5132\u84c4\u4fdd\u96aa\u6642\uff0c\u9664\u4e86\u9700\u8981\u8a55\u4f30\u81ea\u8eab\u98a8\u96aa\u60c5\u6cc1\u548c\u9700\u6c42\u5916\uff0c\u4ea6\u8981\u512a\u5148\u8003\u616e\u4fdd\u96aa\u516c\u53f8\u7684\u4fe1\u8b7d\u548c\u7522\u54c1\u7279\u9ede\uff0c\u907f\u514d\u9078\u64c7\u4f4e\u8cea\u91cf\u7684\u4fdd\u96aa\u7522\u54c1\u3002\u540c\u6642\uff0c\u4e5f\u9700\u8981\u7559\u610f\u4fdd\u96aa\u7522\u54c1\u7684\u4fdd\u969c\u5167\u5bb9\u548c\u7d30\u7bc0\uff0c\u78ba\u4fdd\u81ea\u5df1\u7684\u9700\u6c42\u80fd\u88ab\u6eff\u8db3\u3002&nbsp;<\/p>\n\n\n<style>.kb-table-container9673_dada0e-4a{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container9673_dada0e-4a .kb-table9673_dada0e-4a{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container9673_dada0e-4a .kb-table9673_dada0e-4a thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container9673_dada0e-4a .kb-table9673_dada0e-4a thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container9673_dada0e-4a .kb-table9673_dada0e-4a tbody tr:last-child td:first-child, .kb-table-container9673_dada0e-4a .kb-table9673_dada0e-4a tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container9673_dada0e-4a .kb-table9673_dada0e-4a tbody tr:last-child td:last-child, .kb-table-container9673_dada0e-4a .kb-table9673_dada0e-4a tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container9673_dada0e-4a{overflow-x:auto;}.kb-table-container .kb-table9673_dada0e-4a 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-table9673_dada0e-4a th ul, .kb-table-container .kb-table9673_dada0e-4a th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table9673_dada0e-4a 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-table9673_dada0e-4a td ul, .kb-table-container .kb-table9673_dada0e-4a td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table9673_dada0e-4a td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table9673_dada0e-4a th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table9673_dada0e-4a td, .kb-table9673_dada0e-4a 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-table9673_dada0e-4a td, .kb-table9673_dada0e-4a 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-table9673_dada0e-4a td, .kb-table9673_dada0e-4a 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-container9673_dada0e-4a wp-block-kadence-table\"><table class=\"kb-table kb-table9673_dada0e-4a\">\n<style>.kb-table-container .kb-table tr.kb-table-row9673_a7c919-b0{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row9673_a7c919-b0\">\n<th class=\"kb-table-data kb-table-data9673_57f0e3-f2\">\n\n<p><\/p>\n\n<\/9673_57f0e3-f2>\n\n<td class=\"kb-table-data kb-table-data9673_5f8c48-1b\">\n\n<p class=\"has-text-color has-link-color wp-elements-72d9c54abd47e617157502ca57e0f2a2\" style=\"color:#1e293b\"><strong>\u77ed\u671f\u5132\u84c4\u4fdd\u96aa<\/strong><\/p>\n\n<\/9673_5f8c48-1b>\n\n<td class=\"kb-table-data kb-table-data9673_48de11-21\">\n\n<p class=\"has-text-color has-link-color wp-elements-a83168c2b9f69105474d891bafa769cc\" style=\"color:#1e293b\"><strong>\u9577\u671f\u5132\u84c4\u4fdd\u96aa<\/strong><\/p>\n\n<\/9673_48de11-21>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9673_c3b4c3-3a\">\n<th class=\"kb-table-data kb-table-data9673_8d090e-83\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-8b0f3b1e0dcba5b721317b56faf97eef\"><strong>\u4fdd\u55ae\u5e74\u671f<\/strong><\/p>\n\n<\/9673_8d090e-83>\n\n<td class=\"kb-table-data kb-table-data9673_c9d4f9-ea\">\n\n<p>\u8f03\u77ed\uff0c\u901a\u5e38\u70ba1\u81f35\u5e74<\/p>\n\n<\/9673_c9d4f9-ea>\n\n<td class=\"kb-table-data kb-table-data9673_6808e2-08\">\n\n<p>\u8f03\u9577\uff0c\u901a\u5e38\u70ba10\u5e74\u6216\u4ee5\u4e0a<\/p>\n\n<\/9673_6808e2-08>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9673_ad62b8-1c\">\n<th class=\"kb-table-data kb-table-data9673_042eb8-95\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-bbd40bef5479f59088a1ae2f04f78ecb\"><strong>\u56de\u672c\u901f\u5ea6<\/strong><\/p>\n\n<\/9673_042eb8-95>\n\n<td class=\"kb-table-data kb-table-data9673_cf56be-8b\">\n\n<p>\u5feb<\/p>\n\n<\/9673_cf56be-8b>\n\n<td class=\"kb-table-data kb-table-data9673_7e1f7b-dd\">\n\n<p>\u6162<\/p>\n\n<\/9673_7e1f7b-dd>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9673_32b3e5-de\">\n<th class=\"kb-table-data kb-table-data9673_ba52d1-60\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-f20fb684395e8b5bf80f9baf2f1d6948\"><strong>\u6295\u8cc7\u56de\u5831<\/strong><\/p>\n\n<\/9673_ba52d1-60>\n\n<td class=\"kb-table-data kb-table-data9673_bcef86-73\">\n\n<p>\u4e3b\u8981\u70ba\u4fdd\u8b49\u56de\u5831\uff0c\u76f8\u5c0d\u98a8\u96aa\u8f03\u4f4e<\/p>\n\n<\/9673_bcef86-73>\n\n<td class=\"kb-table-data kb-table-data9673_b95e57-0f\">\n\n<p>\u5305\u62ec\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\u56de\u5831\uff0c<br>\u7576\u4e2d\u7684\u975e\u4fdd\u8b49\u6027\u8cea\u6216\u6703\u4ee4\u56de\u5831\u4e0d\u7a69<\/p>\n\n<\/9673_b95e57-0f>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9673_fbc7ce-e3\">\n<th class=\"kb-table-data kb-table-data9673_65960a-ee\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-3a3f950f46b0eb8ea8cafff1c164172c\"><strong>\u9748\u6d3b\u6027<\/strong><\/p>\n\n<\/9673_65960a-ee>\n\n<td class=\"kb-table-data kb-table-data9673_e75040-0f\">\n\n<p>\u90e8\u5206\u6216\u6703\u6536\u53d6\u9000\u4fdd\u8cbb\u7528\uff0c<br>\u4e0d\u904e\u7531\u65bc\u5e74\u671f\u77ed\u56e0\u800c\u9748\u6d3b\u6027\u76f8\u5c0d\u8f03\u9ad8<\/p>\n\n<\/9673_e75040-0f>\n\n<td class=\"kb-table-data kb-table-data9673_0bfdc1-bc\">\n\n<p>\u9000\u4fdd\u8cbb\u7528\u901a\u5e38\u8f03\u4f4e\uff0c<br>\u4f46\u9396\u5b9a\u5e74\u671f\u8f03\u9577<\/p>\n\n<\/9673_0bfdc1-bc>\n<\/tr>\n<\/table><\/div>\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/time-deposit-savings-insurance-difference\/\"><u>\u3010\u5b9a\u671f\u5b58\u6b3e VS \u5132\u84c4\u4fdd\u96aa\u3011\u908a\u6a23\u56de\u5831\u9ad8\uff1f\u8a8d\u6e05\u4e2d\u4f0f\u4f4d\u63c0\u9069\u5408\u81ea\u5df1\u7684\u5132\u84c4\u65b9\u5f0f<\/u><\/a>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9078\u64c7\u77ed\u671f\u6216\u9577\u671f\u5132\u84c4\u4fdd\u96aa\u7684\u8003\u616e\u56e0\u7d20<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u98a8\u96aa\u627f\u53d7\u80fd\u529b<\/strong><\/h3>\n\n\n\n<p>\u5982\u679c\u500b\u4eba\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u8f03\u4f4e\uff0c\u53ef\u4ee5\u8003\u616e\u8cfc\u8cb7\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u4ee5\u61c9\u5c0d\u77ed\u671f\u98a8\u96aa\u3002\u76f8\u53cd\uff0c\u5982\u679c\u500b\u4eba\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u8f03\u9ad8\uff0c\u53ef\u4ee5\u8003\u616e\u8cfc\u8cb7\u9577\u671f\u5132\u84c4\u4fdd\u96aa\u4ee5\u61c9\u5c0d\u9577\u671f\u98a8\u96aa\u3002&nbsp;<\/p>\n\n\n\n<h3 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