{"id":2176,"date":"2025-03-26T09:18:18","date_gmt":"2025-03-26T09:18:18","guid":{"rendered":"https:\/\/kampongkoh.com.au\/?p=2176"},"modified":"2025-04-18T03:15:24","modified_gmt":"2025-04-18T03:15:24","slug":"01-0003-%e8%82%a1%e7%a5%a8%e6%8a%95%e8%b5%84%e6%96%b0%e6%89%8b%e6%8c%87%e5%8d%97-%ef%bc%88%e4%ba%8c%ef%bc%89","status":"publish","type":"post","link":"https:\/\/kampongkoh.com.au\/?p=2176","title":{"rendered":"01.0003 \u80a1\u7968\u6295\u8d44\u65b0\u624b\u6307\u5357 \uff08\u4e8c\uff09"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>\u6295\u8d44\u65b0\u624b\u7684\u5165\u95e8\u65b9\u6cd5<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. \u786e\u8ba4\u4f60\u662f\u5426\u5df2\u7ecf\u6709\u80fd\u529b\u5f00\u59cb\u6295\u8d44<\/strong><\/h4>\n\n\n\n<p>\u5728\u4f60\u5f00\u59cb\u6295\u8d44\u4e4b\u524d\uff0c\u5148\u786e\u4fdd\u4f60\u5df2\u7ecf\u628a\u81ea\u5df1\u7684\u8d22\u52a1\u72b6\u51b5\u6574\u7406\u597d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5148\u8fd8\u6e05\u9ad8\u5229\u606f\u7684\u503a\u52a1<\/strong><br>\u6bd4\u5982\u4fe1\u7528\u5361\u503a\uff0c\u8fd9\u79cd\u5229\u606f\u901a\u5e38\u5f88\u9ad8\uff0c\u957f\u671f\u4e0b\u6765\u4f1a\u628a\u4f60\u62d6\u57ae\u3002<\/li>\n\n\n\n<li><strong>\u51c6\u5907\u4e00\u7b14\u7d27\u6025\u5907\u7528\u91d1<\/strong><br>\u4eba\u751f\u96be\u514d\u6709\u7a81\u53d1\u72b6\u51b5\uff08\u50cf\u662f\u751f\u75c5\u3001\u5931\u4e1a\u3001\u8f66\u5b50\u574f\u4e86\uff09\uff0c\u8fd9\u65f6\u5019\u5982\u679c\u6ca1\u6709\u5907\u7528\u91d1\uff0c\u53ea\u80fd\u5237\u5361\u6216\u501f\u94b1\uff0c\u66f4\u60e8\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u7b80\u5355\u6765\u8bf4\uff1a\u6295\u8d44\u7684\u94b1\u5e94\u8be5\u662f\u4f60\u201c\u7528\u4e0d\u7740\u7684\u95f2\u94b1\u201d\uff0c\u4e0d\u662f\u4f60\u4e0b\u4e2a\u6708\u8981\u4ea4\u623f\u79df\u6216\u8f66\u8d37\u7684\u94b1\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">2. <strong>\u641e\u6e05\u695a\u4f60\u7684\u6295\u8d44\u76ee\u6807<\/strong><\/h4>\n\n\n\n<p>\u5728\u6295\u8d44\u524d\uff0c\u5148\u95ee\u95ee\u81ea\u5df1\u51e0\u4e2a\u95ee\u9898\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f60\u4e3a\u4ec0\u4e48\u60f3\u6295\u8d44\uff1f<\/strong> \u662f\u4e3a\u4e86\u9000\u4f11\u3001\u5b69\u5b50\u6559\u80b2\u57fa\u91d1\uff0c\u8fd8\u662f\u7eaf\u7cb9\u60f3\u8ba9\u94b1\u589e\u503c\uff1f<\/li>\n\n\n\n<li><strong>\u4f60\u80fd\u63a5\u53d7\u591a\u5927\u7684\u98ce\u9669\uff1f<\/strong> \u80a1\u5e02\u6709\u6da8\u6709\u8dcc\uff0c\u4f60\u80fd\u4e0d\u80fd\u63a5\u53d7\u6295\u8d44\u4e00\u65f6\u8d54\u94b1\uff1f<\/li>\n\n\n\n<li><strong>\u4f60\u5e0c\u671b\u8d5a\u4ec0\u4e48\u7c7b\u578b\u7684\u56de\u62a5\uff1f<\/strong> \u60f3\u8d5a\u4ef7\u5dee\u8fd8\u662f\u9760\u5206\u7ea2\uff1f<\/li>\n\n\n\n<li><strong>\u4f60\u613f\u610f\u82b1\u591a\u5c11\u65f6\u95f4\u6253\u7406\u6295\u8d44\uff1f<\/strong> \u60f3\u7701\u4e8b\u5c31\u9009ETF\uff0c\u60f3\u81ea\u5df1\u9009\u80a1\u5c31\u8981\u82b1\u65f6\u95f4\u7814\u7a76\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff1a<br>\u5982\u679c\u4f60\u60f3\u8981\u7684\u662f<strong>\u7a33\u5b9a\u5206\u7ea2\u6536\u5165<\/strong>\uff0c\u53ef\u4ee5\u8003\u8651\u50cf <strong>Vanguard\u6fb3\u6d32\u9ad8\u80a1\u606fETF\uff08ASX: VHY\uff09<\/strong> \u8fd9\u79cd\u6bcf\u5e74\u7a33\u5b9a\u53d1\u80a1\u606f\u7684\u3002<br>\u4f46\u5982\u679c\u4f60\u662f<strong>\u957f\u671f\u6210\u957f\u6d3e<\/strong>\uff0c\u66f4\u9002\u5408\u50cf <strong>VDHG \u6216 IOZ \u8fd9\u79cdETF<\/strong>\uff0c\u4e3b\u8981\u8ffd\u6c42\u8d44\u672c\u589e\u957f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">3. <strong>\u9009\u4e00\u4e2a\u9002\u5408\u4f60\u7684\u6295\u8d44\u7b56\u7565<\/strong><\/h4>\n\n\n\n<p>\u6295\u8d44\u4e0d\u662f\u4e71\u4e70\u4e00\u901a\uff0c\u6709\u7b56\u7565\u624d\u6709\u65b9\u5411\u3002\u51e0\u4e2a\u5e38\u89c1\u7684\u7b56\u7565\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4ef7\u503c\u6295\u8d44<\/strong>\uff1a\u627e\u90a3\u4e9b\u88ab\u4f4e\u4f30\u7684\u597d\u516c\u53f8<\/li>\n\n\n\n<li><strong>\u6210\u957f\u6295\u8d44<\/strong>\uff1a\u770b\u597d\u672a\u6765\u5927\u6da8\u6f5c\u529b\u7684\u65b0\u5174\u4f01\u4e1a<\/li>\n\n\n\n<li><strong>\u80a1\u606f\u6295\u8d44<\/strong>\uff1a\u4e70\u4f1a\u5206\u7ea2\u7684\u516c\u53f8\uff0c\u6bcf\u5e74\u6536\u80a1\u606f<\/li>\n\n\n\n<li><strong>ESG\u6295\u8d44<\/strong>\uff1a\u53ea\u6295\u5bf9\u793e\u4f1a\u6216\u73af\u5883\u8d1f\u8d23\u7684\u516c\u53f8<\/li>\n<\/ul>\n\n\n\n<p>\u65e0\u8bba\u4f60\u9009\u54ea\u4e00\u79cd\uff0c\u8bf7\u8bb0\u4f4f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5b9a\u671f\u6295\u8d44\uff1a\u54ea\u6015\u662f\u6bcf\u6708\u51e0\u767e\u5757\uff0c\u79ef\u5c11\u6210\u591a<\/li>\n\n\n\n<li>\u591a\u5143\u5316\u914d\u7f6e\uff1a\u522b\u628a\u9e21\u86cb\u653e\u4e00\u4e2a\u7bee\u5b50<\/li>\n\n\n\n<li>\u957f\u7ebf\u6301\u6709\uff1a\u80a1\u7968\u662f\u4e3a\u672a\u6765\u6295\u8d44\uff0c\u4e0d\u662f\u77ed\u671f\u8d4c\u535a<\/li>\n\n\n\n<li>\u6301\u7eed\u5b66\u4e60\uff1a\u80a1\u5e02\u6c38\u8fdc\u5b66\u4e0d\u5b8c\uff0c\u4fdd\u6301\u597d\u5947\u5fc3<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">4. <strong>\u51b3\u5b9a\u4f60\u8981\u6295\u5165\u591a\u5c11\u94b1<\/strong><\/h4>\n\n\n\n<p>\u91cd\u8981\u63d0\u9192\uff1a<br><strong>\u5343\u4e07\u4e0d\u8981\u7528\u672a\u67655\u5e74\u5185\u4f1a\u7528\u5230\u7684\u94b1\u6765\u6295\u8d44\u80a1\u7968\u3002<\/strong><\/p>\n\n\n\n<p>\u80a1\u5e02\u77ed\u671f\u53ef\u80fd\u5927\u6da8\u5927\u8dcc\uff08\u6bd4\u59822020\u5e74\u75ab\u60c5\u7206\u53d1\uff0cASX\u4e00\u5ea6\u66b4\u8dcc30%\uff09\uff0c\u4f60\u4e0d\u60f3\u5728\u6025\u9700\u7528\u94b1\u65f6\u88ab\u8feb\u5272\u8089\u3002<\/p>\n\n\n\n<p>\u6295\u8d44\u7684\u94b1\uff0c\u5e94\u8be5\u662f\u4f60\u201c\u5b8c\u5168\u53ef\u4ee5\u653e\u7740\u4e0d\u52a8\u201d\u7684\u94b1\u3002\u6bd4\u5982\u5df2\u7ecf\u5b58\u597d\u4e70\u623f\u5934\u671f\u6b3e\u3001\u9884\u5907\u91d1\u90fd\u51c6\u5907\u597d\u4ee5\u540e\uff0c\u591a\u4f59\u7684\u94b1\u624d\u62ff\u6765\u6295\u8d44\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">5. <strong>\u5f00\u4e00\u4e2a\u8bc1\u5238\u8d26\u6237\uff08brokerage account\uff09<\/strong><\/h4>\n\n\n\n<p>\u8981\u4e70\u80a1\u7968\uff0c\u4f60\u9700\u8981\u900f\u8fc7\u8bc1\u5238\u5546\u5f00\u6237\u3002\u6fb3\u6d32\u5e38\u89c1\u7684\u5238\u5546\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CommSec\uff08\u8054\u90a6\u94f6\u884c\u7684\uff09<\/li>\n\n\n\n<li>nabtrade\uff08\u56fd\u6c11\u94f6\u884c\u7684\uff09<\/li>\n\n\n\n<li>SelfWealth\u3001CMC Markets\u3001Stake \u7b49\u7b49<\/li>\n<\/ul>\n\n\n\n<p>\u5f00\u6237\u6d41\u7a0b\u5f88\u7b80\u5355\uff0c\u7ebf\u4e0a\u586b\u8d44\u6599\u3001\u4e0a\u4f20\u8eab\u4efd\u8bc1\u660e\u3001\u8f6c\u94b1\u8fdb\u53bb\uff0c\u5c31\u53ef\u4ee5\u5f00\u59cb\u64cd\u4f5c\u3002<\/p>\n\n\n\n<p>\u9009\u62e9\u5238\u5546\u65f6\u8981\u6ce8\u610f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f60\u9700\u8981\u54ea\u79cd\u670d\u52a1\uff1f<\/strong><br>\u60f3\u8981\u6709\u4eba\u5e2e\u5fd9\u5206\u6790\u3001\u63d0\u4f9b\u6295\u8d44\u5efa\u8bae\uff0c\u5c31\u9009\u5168\u670d\u52a1\u578b\uff1b<br>\u60f3\u81ea\u5df1\u5b66\u81ea\u5df1\u4e70\uff0c\u5c31\u9009\u6298\u6263\u578b\u6216\u7ebf\u4e0a\u5e73\u53f0\uff0c\u4fbf\u5b9c\u53c8\u7075\u6d3b\u3002<\/li>\n\n\n\n<li><strong>\u624b\u7eed\u8d39\u548c\u529f\u80fd\u6bd4\u8f83<\/strong><br>\u6709\u4e9b\u5e73\u53f0\u6536\u4ea4\u6613\u8d39\u3001\u6709\u4e9b\u4e0d\u6536\uff0c\u4f46\u4f1a\u6536\u5176\u4ed6\u8d39\u7528\uff1b\u6709\u4e9b\u5e73\u53f0\u80fd\u4e70\u56fd\u9645\u80a1\u3001\u6709\u4e9b\u53ea\u80fd\u4e70\u6fb3\u6d32\u80a1\uff1b\u64cd\u4f5c\u754c\u9762\u4e5f\u6709\u5dee\u5f02\uff0c\u53ef\u4ee5\u5148\u770b\u5b98\u7f51\u7684demo\u6216APP\u8bc4\u8bba\u3002<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">6. <strong>\u7814\u7a76\u4f60\u60f3\u4e70\u7684ASX\u80a1\u7968<\/strong><\/h4>\n\n\n\n<p>\u65b0\u624b\u5efa\u8bae<strong>\u4ece\u84dd\u7b79\u80a1\u5f00\u59cb<\/strong>\uff0c\u5c31\u662f\u90a3\u4e9b\u5386\u53f2\u60a0\u4e45\u3001\u76c8\u5229\u7a33\u5b9a\u7684\u5927\u516c\u53f8\u3002\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Commonwealth Bank (CBA)<\/li>\n\n\n\n<li>BHP\u3001Woolworths\u3001Telstra \u7b49\u7b49<\/li>\n<\/ul>\n\n\n\n<p>\u6162\u6162\u5730\u4f60\u53ef\u4ee5\u7814\u7a76ETF\uff08\u6307\u6570\u578b\u57fa\u91d1\uff09\uff0c\u6bd4\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>IOZ<\/strong>\uff1a\u8ffd\u8e2aASX200\u6307\u6570<\/li>\n\n\n\n<li><strong>VDHG<\/strong>\uff1a\u9ad8\u6210\u957f\u578bETF<\/li>\n\n\n\n<li><strong>VHY<\/strong>\uff1a\u9ad8\u80a1\u606f\u578bETF<\/li>\n<\/ul>\n\n\n\n<p>\u60f3\u6311\u4e2a\u80a1\u7684\u8bdd\uff0c\u5c31\u9700\u8981\u5b66\u57fa\u672c\u9762\u5206\u6790\uff08\u4f8b\u5982\u4f30\u503c\u3001\u8d22\u62a5\u3001\u884c\u4e1a\u524d\u666f\u7b49\uff09\u3002\u4f46\u4e0d\u7528\u62c5\u5fc3\uff0c\u8d8a\u5b66\u8d8a\u987a\u624b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">7. <strong>\u4e0b\u5355\u4e70\u80a1\u7968<\/strong><\/h4>\n\n\n\n<p>\u9009\u597d\u80a1\u7968\u540e\uff0c\u901a\u8fc7\u5238\u5546\u4e0b\u5355\u3002\u4ea4\u6613\u5b8c\u6210\u3001\u7ed3\u7b97\u540e\uff0c\u4f60\u5c31\u662f\u80a1\u4e1c\u5566\uff01<\/p>\n\n\n\n<p>\u4f46\u8fd9\u53ea\u662f\u5f00\u59cb\uff0c<strong>\u6295\u8d44\u662f\u4e00\u8f88\u5b50\u7684\u4e8b<\/strong>\uff0c\u6700\u5389\u5bb3\u7684\u6295\u8d44\u8005\u90fd\u662f\u4e00\u76f4\u5728\u5b66\u4e60\u7684\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u65b0\u624b\u6295\u8d44\u8005\u6700\u8be5\u8bb0\u4f4f\u7684\u51e0\u4e2a\u91cd\u70b9\uff1a<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u957f\u671f\u6295\u8d44\u662f\u738b\u9053<\/strong>\uff1a\u77ed\u671f\u6ce2\u52a8\u4e0d\u91cd\u8981\uff0c\u65f6\u95f4\u4f1a\u653e\u5927\u597d\u516c\u53f8\u7684\u4ef7\u503c<\/li>\n\n\n\n<li><strong>\u5e02\u573a\u5927\u8dcc\u662f\u673a\u4f1a<\/strong>\uff1a\u522b\u6015\u80a1\u707e\uff0c\u5b83\u66f4\u50cf\u662f\u201c\u6253\u6298\u5b63\u201d<\/li>\n\n\n\n<li><strong>\u53d1\u73b0\u4e0d\u5bf9\u52b2\u53ef\u4ee5\u5356\u51fa<\/strong>\uff1a\u4e70\u4e86\u4e5f\u4e0d\u4ee3\u8868\u4e00\u8f88\u5b50\u6301\u6709\uff0c\u7b56\u7565\u53d8\u4e86\u3001\u516c\u53f8\u70c2\u4e86\uff0c\u679c\u65ad\u6b62\u635f<\/li>\n\n\n\n<li><strong>\u4e0d\u61c2\u7684\u516c\u53f8\u522b\u78b0<\/strong>\uff1a\u6295\u8d44\u4f60\u4e86\u89e3\u7684\u884c\u4e1a\u548c\u4f01\u4e1a<\/li>\n\n\n\n<li><strong>\u522b\u76f2\u4ece\u5927\u4f17<\/strong>\uff1a\u770b\u5230\u5927\u5bb6\u75af\u4e70\u4e0d\u8981\u8ddf\u98ce\uff0c\u51b7\u9759\u5206\u6790\u624d\u662f\u8d62\u5bb6<\/li>\n<\/ul>\n\n\n\n<hr 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