{"id":2820,"date":"2025-06-29T13:32:02","date_gmt":"2025-06-29T05:32:02","guid":{"rendered":"https:\/\/www.hongkongservice.hk\/?post_type=ufaq&#038;p=2820"},"modified":"2025-11-03T19:27:42","modified_gmt":"2025-11-03T11:27:42","slug":"%e9%9d%9e%e4%bf%9d%e8%ad%89%e9%ab%98%e6%94%b6%e7%9b%8a-vs-%e4%bf%9d%e8%ad%89%e4%bd%8e%e6%94%b6%e7%9b%8a%ef%bc%8c%e5%a6%82%e4%bd%95%e9%81%b8%e6%93%87%ef%bc%9f","status":"publish","type":"ufaq","link":"https:\/\/www.hongkongservice.hk\/sc\/ufaq\/%e9%9d%9e%e4%bf%9d%e8%ad%89%e9%ab%98%e6%94%b6%e7%9b%8a-vs-%e4%bf%9d%e8%ad%89%e4%bd%8e%e6%94%b6%e7%9b%8a%ef%bc%8c%e5%a6%82%e4%bd%95%e9%81%b8%e6%93%87%ef%bc%9f\/","title":{"rendered":"\u975e\u4fdd\u8bc1\u9ad8\u6536\u76ca vs \u4fdd\u8bc1\u4f4e\u6536\u76ca\uff0c\u5982\u4f55\u9009\u62e9\uff1f"},"content":{"rendered":"<div  class=\"ewd-ufaq-faq-list ewd-ufaq-page-type-distinct ewd-ufaq-category-tabs-\" id='ewd-ufaq-faq-list'>\n\n\t<input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' \/>\n<input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' \/>\n<input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' \/>\n<input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' \/>\n<input type='hidden' name='order' value='asc' id='ewd-ufaq-order' \/>\n<input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' \/>\n<input type='hidden' name='current_url' value='\/sc\/wp-json\/wp\/v2\/ufaq\/2820' id='ewd-ufaq-current-url' \/>\n\t\n\t\n\t<div class='ewd-ufaq-faqs'>\n\n\t\t<div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-2820-SQUC9xiNLR' data-post_id='2820'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >A<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\t\u975e\u4fdd\u8bc1\u9ad8\u6536\u76ca vs \u4fdd\u8bc1\u4f4e\u6536\u76ca\uff0c\u5982\u4f55\u9009\u62e9\uff1f\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"ds-markdown-paragraph\"><strong>\u51b3\u7b56\u6846\u67b6\uff1a<\/strong><br \/>\n\u8fd9\u672c\u8d28\u662f\u98ce\u9669\u6536\u76ca\u6743\u8861(Risk-Return Tradeoff)\u95ee\u9898\uff0c\u5efa\u8bae\u901a\u8fc7\u4e09\u7ef4\u5ea6\u8bc4\u4f30\uff1a<\/p>\n<ol start=\"1\">\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u6295\u8d44\u8005\u76ee\u7684\u548c\u76ee\u6807\u5206\u6790<\/strong><br>\n\u2713 \u98ce\u9669\u627f\u53d7\u80fd\u529b\u8bc4\u4f30<br>\n\u2713 \u8d44\u91d1\u4f7f\u7528\u671f\u9650\u786e\u8ba4<br>\n\u2713 \u6536\u76ca\u76ee\u6807\u5408\u7406\u6027\u68c0\u9a8c<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>\u4ea7\u54c1\u7ed3\u6784\u62c6\u89e3<\/strong><\/p>\n<div class=\"markdown-table-wrapper\">\n<table>\n<thead>\n<tr>\n<th>\u6bd4\u8f83\u7ef4\u5ea6<\/th>\n<th>\u4fdd\u8bc1\u578b\u4ea7\u54c1<\/th>\n<th>\u975e\u4fdd\u8bc1\u578b\u4ea7\u54c1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6536\u76ca\u533a\u95f4<\/td>\n<td>\u56fa\u5b9a\u5229\u7387(1-3%)<\/td>\n<td>\u6d6e\u52a8\u5229\u7387(4-8%)<\/td>\n<\/tr>\n<tr>\n<td>\u98ce\u9669\u7279\u5f81<\/td>\n<td>\u672c\u91d1\u4fdd\u969c<\/td>\n<td>\u5e02\u573a\u8054\u52a8<\/td>\n<\/tr>\n<tr>\n<td>\u6d41\u52a8\u6027<\/td>\n<td>\u901a\u5e38\u8f83\u5dee<\/td>\n<td>\u76f8\u5bf9\u7075\u6d3b<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u5386\u53f2\u6570\u636e\u9a8c\u8bc1<\/strong><br>\n\u2022 \u91cd\u70b9\u8003\u5bdf\u300c\u5206\u7ea2\u5b9e\u73b0\u7387\u300d(Dividend Achievement Rate)<br>\n\u2022 \u5206\u6790\u8fc7\u53bb\u7684\u300c\u603b\u73b0\u91d1\u4ef7\u503c\u6bd4\u7387\u300d(Total Cash Value Ratio)<br>\n\u2022 \u5bf9\u6bd4\u540c\u7c7b\u4ea7\u54c1\u5728\u4e0d\u540c\u7ecf\u6d4e\u5468\u671f\u4e2d\u7684\u8868\u73b0<br>\n\u2022 \u5982\u65b0\u4ea7\u54c1\u672a\u6709\u4ee5\u4e0a\u6570\u636e\uff0c\u53ef\u53c2\u8003\u540c\u7c7b\u76f8\u4f3c\u4ea7\u54c1\u7684\u6570\u636e\uff0c\u4e00\u822c\u53ef\u770b\u51fa\u670d\u52a1\u5546\u7684\u5b9e\u73b0\u4e60\u60ef<\/p>\n<\/li>\n<\/ol>\n<p class=\"ds-markdown-paragraph\">\u4e0d\u5c11\u975e\u4fdd\u8bc1\u7c7b\u9999\u6e2f\u4fdd\u9669\u4ea7\u54c1\u5728\u4ee5\u4e0a\u5b9e\u73b0\u7387\u90fd\u8fbe\u81f390%\u4ee5\u4e0a\uff0c\u8868\u793a\u867d\u7136\u975e\u4fdd\u8bc1\uff0c\u4f46\u662f\u5176\u5b9e\u8fbe\u6210\u673a\u4f1a\u633a\u9ad8\u7684\u3002<\/p>\n<p class=\"ds-markdown-paragraph translation-block\"><strong>\u4e13\u4e1a\u5efa\u8bae\uff1a<\/strong><br>\n\u6210\u529f\u7684\u8d44\u4ea7\u914d\u7f6e\u4e0d\u5728\u4e8e\u8ffd\u6c42\u7edd\u5bf9\u4fdd\u969c\uff0c\u800c\u5728\u4e8e\u5efa\u7acb\u79d1\u5b66\u7684\u51b3\u7b56\u6d41\u7a0b\u3002\u5efa\u8bae\u53c2\u8003\u8036\u9c81\u6350\u8d60\u57fa\u91d1\u7684\u6295\u8d44\u54f2\u5b66\uff1a\u901a\u8fc7\u4e25\u8c28\u7684\u5c3d\u804c\u8c03\u67e5(Due Diligence)\uff0c\u5728\u98ce\u9669\u53ef\u63a7\u8303\u56f4\u5185\u8ffd\u6c42\u6700\u4f18\u6536\u76ca\uff0c\u300c\u4e16\u4e0a\u6ca1\u6709\u767e\u4efd\u767e\u4fdd\u8bc1\u9ad8\u56de\u62a5\u7684\u6295\u8d44\u4ea7\u54c1\uff0c\u4f46\u6709\u61c2\u5f97\u628a\u63e1\u673a\u4f1a\u7684\u8d62\u5bb6\u300d\u3002<\/p>\n<p>#\u9999\u6e2f\u4fdd\u9669\u975e\u4fdd\u8bc1\u6536\u76ca #\u9999\u6e2f\u4fdd\u9669\u4fdd\u8bc1\u6536\u76ca #\u9999\u6e2f\u4fdd\u9669\u5206\u7ea2\u5b9e\u73b0\u7387 #\u9999\u6e2f\u4fdd\u9669\u603b\u73b0\u91d1\u4ef7\u503c\u6bd4\u7387 #\u9999\u6e2f\u4fdd\u9669\u98ce\u9669<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/www.hongkongservice.hk\/sc\/ufaq\/%e9%9d%9e%e4%bf%9d%e8%ad%89%e9%ab%98%e6%94%b6%e7%9b%8a-vs-%e4%bf%9d%e8%ad%89%e4%bd%8e%e6%94%b6%e7%9b%8a%ef%bc%8c%e5%a6%82%e4%bd%95%e9%81%b8%e6%93%87%ef%bc%9f\/?Display_FAQ=2820'>\n\t\t\n\t\t\u672c\u94fe\u63a5\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t<\/div>\n\n\t\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A \u975e\u4fdd\u8b49\u9ad8\u6536\u76ca vs \u4fdd\u8b49\u4f4e\u6536\u76ca\uff0c\u5982\u4f55\u9078\u64c7\uff1f \u6c7a\u7b56\u6846\u67b6\uff1a \u9019\u672c\u8cea\u662f\u98a8\u96aa\u6536\u76ca\u6b0a\u8861(Risk-Return Tradeoff)\u554f\u984c\uff0c\u5efa\u8b70\u901a\u904e\u4e09\u7dad\u5ea6\u8a55\u4f30\uff1a \u6295\u8cc7\u8005\u76ee\u7684\u548c\u76ee\u6a19\u5206\u6790 \u2713 \u98a8\u96aa\u627f\u53d7\u80fd\u529b\u8a55\u4f30 \u2713 \u8cc7\u91d1\u4f7f\u7528\u671f\u9650\u78ba\u8a8d \u2713 \u6536\u76ca\u76ee\u6a19\u5408\u7406\u6027\u6aa2\u9a57 \u7522\u54c1\u7d50\u69cb\u62c6\u89e3 \u6bd4\u8f03\u7dad\u5ea6 \u4fdd\u8b49\u578b\u7522\u54c1 \u975e\u4fdd\u8b49\u578b\u7522\u54c1 \u6536\u76ca\u5340\u9593 \u56fa\u5b9a\u5229\u7387(1-3%) \u6d6e\u52d5\u5229\u7387(4-8%) \u98a8\u96aa\u7279\u5fb5 \u672c\u91d1\u4fdd\u969c \u5e02\u5834\u806f\u52d5 \u6d41\u52d5\u6027 \u901a\u5e38\u8f03\u5dee \u76f8\u5c0d\u9748\u6d3b \u6b77\u53f2\u6578\u64da\u9a57\u8b49 \u2022 \u91cd\u9ede\u8003\u5bdf\u300c\u5206\u7d05\u5be6\u73fe\u7387\u300d(Dividend Achievement Rate) \u2022 \u5206\u6790\u904e\u53bb\u7684\u300c\u7e3d\u73fe\u91d1\u50f9\u503c\u6bd4\u7387\u300d(Total Cash Value Ratio) \u2022 \u5c0d\u6bd4\u540c\u985e\u7522\u54c1\u5728\u4e0d\u540c\u7d93\u6fdf\u9031\u671f\u4e2d\u7684\u8868\u73fe \u2022 \u5982\u65b0\u7522\u54c1\u672a\u6709\u4ee5\u4e0a\u6578\u64da\uff0c\u53ef\u53c3\u8003\u540c\u985e\u76f8\u4f3c\u7522\u54c1\u7684\u6578\u64da\uff0c\u4e00\u822c\u53ef\u770b\u51fa\u670d\u52d9\u5546\u7684\u5be6\u73fe\u7fd2\u6163 \u4e0d\u5c11\u975e\u4fdd\u8b49\u985e\u9999\u6e2f\u4fdd\u96aa\u7522\u54c1\u5728\u4ee5\u4e0a\u5be6\u73fe\u7387\u90fd\u9054\u81f390%\u4ee5\u4e0a\uff0c\u8868\u793a\u96d6\u7136\u975e\u4fdd\u8b49\uff0c\u4f46\u662f\u5176\u5be6\u9054\u6210\u6a5f\u6703\u633a\u9ad8\u7684\u3002 \u5c08\u696d\u5efa\u8b70\uff1a \u6210\u529f\u7684\u8cc7\u7522\u914d\u7f6e\u4e0d\u5728\u65bc\u8ffd\u6c42\u7d55\u5c0d\u4fdd\u969c\uff0c\u800c\u5728\u65bc\u5efa\u7acb\u79d1\u5b78\u7684\u6c7a\u7b56\u6d41\u7a0b\u3002\u5efa\u8b70\u53c3\u8003\u8036\u9b6f\u6350\u8d08\u57fa\u91d1\u7684\u6295\u8cc7\u54f2\u5b78\uff1a\u901a\u904e\u56b4\u8b39\u7684\u76e1\u8077\u8abf\u67e5(Due Diligence)\uff0c\u5728\u98a8\u96aa\u53ef\u63a7\u7bc4\u570d\u5167\u8ffd\u6c42\u6700\u512a\u6536\u76ca\uff0c\u300c\u4e16\u4e0a\u6c92\u6709\u767e\u4efd\u767e\u4fdd\u8b49\u9ad8\u56de\u5831\u7684\u6295\u8cc7\u7522\u54c1\uff0c\u4f46\u6709\u61c2\u5f97\u628a\u63e1\u6a5f\u6703\u7684\u8d0f\u5bb6\u300d\u3002 #\u9999\u6e2f\u4fdd\u96aa\u975e\u4fdd\u8b49\u6536\u76ca #\u9999\u6e2f\u4fdd\u96aa\u4fdd\u8b49\u6536\u76ca #\u9999\u6e2f\u4fdd\u96aa\u5206\u7d05\u5be6\u73fe\u7387 #\u9999\u6e2f\u4fdd\u96aa\u7e3d\u73fe\u91d1\u50f9\u503c\u6bd4\u7387 #\u9999\u6e2f\u4fdd\u96aa\u98a8\u96aa Permalink<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","ufaq-category":[63,48],"ufaq-tag":[],"class_list":["post-2820","ufaq","type-ufaq","status-publish","hentry","ufaq-category-63","ufaq-category-faq"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.3.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u975e\u4fdd\u8b49\u9ad8\u6536\u76ca vs \u4fdd\u8b49\u4f4e\u6536\u76ca\uff0c\u5982\u4f55\u9078\u64c7\uff1f - \u9999\u6e2f\u512a\u8cea\u670d\u52d9\u6307\u5357 | Hong Kong Good Service Guide<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hongkongservice.hk\/sc\/ufaq\/\u975e\u4fdd\u8b49\u9ad8\u6536\u76ca-vs-\u4fdd\u8b49\u4f4e\u6536\u76ca\uff0c\u5982\u4f55\u9078\u64c7\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u975e\u4fdd\u8b49\u9ad8\u6536\u76ca vs \u4fdd\u8b49\u4f4e\u6536\u76ca\uff0c\u5982\u4f55\u9078\u64c7\uff1f\" \/>\n<meta property=\"og:description\" content=\"A \u975e\u4fdd\u8b49\u9ad8\u6536\u76ca vs \u4fdd\u8b49\u4f4e\u6536\u76ca\uff0c\u5982\u4f55\u9078\u64c7\uff1f \u6c7a\u7b56\u6846\u67b6\uff1a \u9019\u672c\u8cea\u662f\u98a8\u96aa\u6536\u76ca\u6b0a\u8861(Risk-Return Tradeoff)\u554f\u984c\uff0c\u5efa\u8b70\u901a\u904e\u4e09\u7dad\u5ea6\u8a55\u4f30\uff1a \u6295\u8cc7\u8005\u76ee\u7684\u548c\u76ee\u6a19\u5206\u6790 \u2713 \u98a8\u96aa\u627f\u53d7\u80fd\u529b\u8a55\u4f30 \u2713 \u8cc7\u91d1\u4f7f\u7528\u671f\u9650\u78ba\u8a8d \u2713 \u6536\u76ca\u76ee\u6a19\u5408\u7406\u6027\u6aa2\u9a57 \u7522\u54c1\u7d50\u69cb\u62c6\u89e3 \u6bd4\u8f03\u7dad\u5ea6 \u4fdd\u8b49\u578b\u7522\u54c1 \u975e\u4fdd\u8b49\u578b\u7522\u54c1 \u6536\u76ca\u5340\u9593 \u56fa\u5b9a\u5229\u7387(1-3%) \u6d6e\u52d5\u5229\u7387(4-8%) \u98a8\u96aa\u7279\u5fb5 \u672c\u91d1\u4fdd\u969c \u5e02\u5834\u806f\u52d5 \u6d41\u52d5\u6027 \u901a\u5e38\u8f03\u5dee \u76f8\u5c0d\u9748\u6d3b \u6b77\u53f2\u6578\u64da\u9a57\u8b49 \u2022 \u91cd\u9ede\u8003\u5bdf\u300c\u5206\u7d05\u5be6\u73fe\u7387\u300d(Dividend Achievement Rate) \u2022 \u5206\u6790\u904e\u53bb\u7684\u300c\u7e3d\u73fe\u91d1\u50f9\u503c\u6bd4\u7387\u300d(Total Cash Value Ratio) \u2022 \u5c0d\u6bd4\u540c\u985e\u7522\u54c1\u5728\u4e0d\u540c\u7d93\u6fdf\u9031\u671f\u4e2d\u7684\u8868\u73fe \u2022 \u5982\u65b0\u7522\u54c1\u672a\u6709\u4ee5\u4e0a\u6578\u64da\uff0c\u53ef\u53c3\u8003\u540c\u985e\u76f8\u4f3c\u7522\u54c1\u7684\u6578\u64da\uff0c\u4e00\u822c\u53ef\u770b\u51fa\u670d\u52d9\u5546\u7684\u5be6\u73fe\u7fd2\u6163 \u4e0d\u5c11\u975e\u4fdd\u8b49\u985e\u9999\u6e2f\u4fdd\u96aa\u7522\u54c1\u5728\u4ee5\u4e0a\u5be6\u73fe\u7387\u90fd\u9054\u81f390%\u4ee5\u4e0a\uff0c\u8868\u793a\u96d6\u7136\u975e\u4fdd\u8b49\uff0c\u4f46\u662f\u5176\u5be6\u9054\u6210\u6a5f\u6703\u633a\u9ad8\u7684\u3002 \u5c08\u696d\u5efa\u8b70\uff1a \u6210\u529f\u7684\u8cc7\u7522\u914d\u7f6e\u4e0d\u5728\u65bc\u8ffd\u6c42\u7d55\u5c0d\u4fdd\u969c\uff0c\u800c\u5728\u65bc\u5efa\u7acb\u79d1\u5b78\u7684\u6c7a\u7b56\u6d41\u7a0b\u3002\u5efa\u8b70\u53c3\u8003\u8036\u9b6f\u6350\u8d08\u57fa\u91d1\u7684\u6295\u8cc7\u54f2\u5b78\uff1a\u901a\u904e\u56b4\u8b39\u7684\u76e1\u8077\u8abf\u67e5(Due Diligence)\uff0c\u5728\u98a8\u96aa\u53ef\u63a7\u7bc4\u570d\u5167\u8ffd\u6c42\u6700\u512a\u6536\u76ca\uff0c\u300c\u4e16\u4e0a\u6c92\u6709\u767e\u4efd\u767e\u4fdd\u8b49\u9ad8\u56de\u5831\u7684\u6295\u8cc7\u7522\u54c1\uff0c\u4f46\u6709\u61c2\u5f97\u628a\u63e1\u6a5f\u6703\u7684\u8d0f\u5bb6\u300d\u3002 #\u9999\u6e2f\u4fdd\u96aa\u975e\u4fdd\u8b49\u6536\u76ca #\u9999\u6e2f\u4fdd\u96aa\u4fdd\u8b49\u6536\u76ca #\u9999\u6e2f\u4fdd\u96aa\u5206\u7d05\u5be6\u73fe\u7387 #\u9999\u6e2f\u4fdd\u96aa\u7e3d\u73fe\u91d1\u50f9\u503c\u6bd4\u7387 #\u9999\u6e2f\u4fdd\u96aa\u98a8\u96aa Permalink\" \/>\n<meta property=\"og:url\" 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