{"id":3227,"date":"2018-11-29T14:27:23","date_gmt":"2018-11-29T06:27:23","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=3227"},"modified":"2018-11-29T16:45:46","modified_gmt":"2018-11-29T08:45:46","slug":"%e9%9d%a0%e5%9a%87%e5%b0%b1%e5%8f%af%e4%bb%a5%e4%bb%a4%e4%ba%ba%e5%a4%a0%e9%8c%a2%e9%80%80%e4%bc%91%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2018\/11\/%e9%9d%a0%e5%9a%87%e5%b0%b1%e5%8f%af%e4%bb%a5%e4%bb%a4%e4%ba%ba%e5%a4%a0%e9%8c%a2%e9%80%80%e4%bc%91%ef%bc%9f\/","title":{"rendered":"\u9760\u5687\u5c31\u53ef\u4ee5\u4ee4\u4eba\u5920\u9322\u9000\u4f11\uff1f"},"content":{"rendered":"<h2><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">\u9760\u5687\u5c31\u53ef\u4ee5\u4ee4\u4eba\u5920\u9322\u9000\u4f11\uff1f<\/span><\/strong><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u8fd1\u671f\u95b1\u8b80\u4e86\u4e00\u7bc7\u7db2\u4e0a<a href=\"https:\/\/qz.com\/work\/1466970\/why-scaring-people-into-saving-for-retirement-doesnt-work\/\" target=\"_blank\" rel=\"noopener\">\u6587\u7ae0<\/a>\uff0c\u8a72\u6587\u7ae0\u8a0e\u8ad6\u4e86\u4e00\u822c\u4eba<span style=\"color: #04b2f2;\">\u660e\u77e5\u81ea\u5df1\u9000\u4f11\u5132\u84c4\u4e0d\u8db3<\/span>\u800c<span style=\"color: #04b2f2;\">\u7e7c\u7e8c\u7121\u52d5\u65bc\u8877<\/span>\u7684\u73fe\u8c61\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4e00\u822c\u7684\u9280\u884c\u3001\u4fdd\u96aa\u516c\u53f8\u3001\u7406\u8ca1\u9867\u554f\u3001\u57fa\u91d1\u516c\u53f8\u3001\u7406\u8ca1\u7db2\u7ad9\u3001\u751a\u81f3\u7a4d\u91d1\u5c40\u7db2\u9801\uff0c\u90fd\u6709\u4e00\u4e9b\u9000\u4f11\u5132\u84c4\u8db3\u5920\u7a0b\u5ea6\u8a08\u7b97\u6a5f\uff08\u898b<a href=\"https:\/\/www.mpfdiy.com\/2016\/10\/%e9%80%80%e4%bc%91%e8%a8%88%e7%ae%97%e6%a9%9f\/\" target=\"_blank\" rel=\"noopener\">\u524d\u6587<\/a>\uff09\uff0c \u8a08\u7b97\u7d50\u679c\u901a\u5e38\u662f\u6307\u51fa\u95a3\u4e0b\u6b20\u7f3a\u5929\u6587\u6578\u5b57\u7684\u9000\u4f11\u5132\u84c4\u91d1\u984d\uff0c\uff08\u6050\u5687\uff09\u95a3\u4e0b\u5982\u679c\u5514\u60f3\u5187\u9322\u9000\u4f11\u7684\u8a71\uff0c\u4fbf\u9700\u8981\u7acb\u5373\u591a\u52a0\u5132\u84c4\uff0c\u591a\u52a0\u7ba1\u7406\uff0c\u6f5b\u53f0\u8a5e\u5927\u591a\u662f\u4ea4\u591a\u5572\u9322\u7540\u4f62\u5730\u7ba1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u9999\u6e2f\u5e74\u4e2d\u90fd\u6709\u4e0d\u5c11\u9000\u4f11\u8abf\u67e5\uff08\u898b <a href=\"http:\/\/www.ifphk.org\/pdf\/press_release\/PR20181003_cn.pdf\" target=\"_blank\" rel=\"noopener\">1<\/a>\u00a0 <a href=\"https:\/\/topick.hket.com\/article\/2111909\/%E6%B8%AF%E4%BA%BA%E6%83%B3%E9%80%80%E4%BC%91%E5%BE%8C%E5%B8%B8%E6%97%85%E8%A1%8C%E3%80%80%E5%8D%8A%E6%95%B8%E5%8D%BB%E6%AC%A0%E6%BA%96%E5%82%99\" target=\"_blank\" rel=\"noopener\">2<\/a>\u00a0 <a href=\"https:\/\/invest.hket.com\/article\/2137704\/%E3%80%90%E7%90%86%E8%B2%A1%E9%80%80%E4%BC%91%E3%80%91%E9%80%80%E4%BC%91%E8%A6%81%E5%B9%BE%E9%8C%A2%EF%BC%9F%E3%80%80%E8%AA%BF%E6%9F%A5%EF%BC%9A505%E8%90%AC%E5%85%83\" target=\"_blank\" rel=\"noopener\">3<\/a>\uff09\uff0c\u7d50\u679c\u4e0d\u5916\u4e4e\u4ea6\u662f\uff1a<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><span style=\"font-size: 14pt;\">\u8a8d\u70ba\u55ae\u9760\u5f37\u7a4d\u91d1\u4e0d\u5920\u9000\u4f11\uff1b<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u5e02\u6c11\u4f4e\u4f30\u9000\u4f11\u5132\u84c4\u53ca\u958b\u652f\uff1b<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u6c92\u6709\u5236\u5b9a\u9000\u4f11\u5132\u84c4\u8a08\u5283\u3002<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u60c5\u6cc1\u5c31\u5982\u7159\u5305\u4e0a\u7684\u300e\u9760\u5687\u300f\u5b57\u53e5\u4e00\u6a23\uff0c\u300e\u9760\u5687\u300f\u7684\u5ba3\u50b3\u624b\u6cd5\u65bc\u9999\u6e2f\u7684\u5f37\u7a4d\u91d1\u53ca\u9000\u4f11\u5132\u84c4\u4e0a\uff0c\u672a\u80fd\u4ee4\u4eba\u6539\u8b8a\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/11\/scary-retirement-1.jpg?ssl=1\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" title=\" \"loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3228 size-large\" src=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/11\/scary-retirement-1.jpg?resize=720%2C992&#038;ssl=1\" alt=\" \" width=\"720\" height=\"992\" srcset=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/11\/scary-retirement-1.jpg?resize=743%2C1024&amp;ssl=1 743w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/11\/scary-retirement-1.jpg?resize=218%2C300&amp;ssl=1 218w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/11\/scary-retirement-1.jpg?resize=768%2C1058&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/11\/scary-retirement-1.jpg?w=871&amp;ssl=1 871w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u7db2\u4e0a<a href=\"https:\/\/qz.com\/work\/1466970\/why-scaring-people-into-saving-for-retirement-doesnt-work\/\" target=\"_blank\" rel=\"noopener\">\u6587\u7ae0<\/a>\u63d0\u53ca\u8981\u63d0\u4f9b\u826f\u597d\u5236\u5ea6\u53ca\u5275\u9020\u6709\u5229\u74b0\u5883\u53bb\u652f\u63f4\u9000\u4f11\u5132\u84c4\uff0c\u6587\u7ae0\u53c8\u63d0\u53ca\u5373\u4f7f\u6709\u9f4a\u6578\u5b57\u5de5\u5177\uff0c\u4f46\u90fd\u7121\u52a9\u5927\u773e\u6539\u8b8a\u73fe\u72c0\uff0c\u539f\u56e0\u662f\u672a\u6709\u91dd\u5c0d\u7d93\u6fdf\u884c\u70ba\u7684<a href=\"https:\/\/www.youtube.com\/watch?v=SGmLHpFgTbw\" target=\"_blank\" rel=\"noopener\" class=\"broken_link\">\u5fc3\u7406\u5e33\u6236<\/a>\uff08mental accounting\uff09\u3001<a href=\"https:\/\/www.forbes.com\/sites\/katevitasek\/2017\/10\/10\/richard-thaler-and-the-human-factor-in-economics\/#69b20a91b563\" target=\"_blank\" rel=\"noopener\">\u81ea\u6211\u63a7\u5236<\/a>\uff08self-control\uff09\u53ca<a href=\"https:\/\/www.youtube.com\/watch?v=PCujWv7Mc8o\" target=\"_blank\" rel=\"noopener\" class=\"broken_link\">\u4ed8\u73fe\u91d1\u7684\u75db\u695a<\/a>\uff08pain of paying\uff09\u800c\u5c0d\u75c7\u4e0b\u85e5\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\"><a style=\"color: #04b2f2;\" href=\"https:\/\/www.youtube.com\/watch?v=SGmLHpFgTbw\" class=\"broken_link\">\u5fc3\u7406\u5e33\u6236<\/a>\uff08mental accounting\uff09<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u8fd1\u5e74\u4f86\uff0c\u7d93\u6fdf\u5b78\u5f9e\u7814\u7a76\u6578\u5b78\u53ca\u7406\u6027\u6cd5\u5247\uff0c\u8f49\u800c\u7814\u7a76\u5fc3\u7406\u53ca\u884c\u70ba\u6cd5\u5247\uff0c\u4ee3\u8868\u4eba\u7269\u67092017\u5e74\u8afe\u8c9d\u723e\u7d93\u6fdf\u5b78\u734e\u5f97\u4e3b<a href=\"https:\/\/wiki.mbalib.com\/zh-tw\/%E5%BF%83%E7%90%86%E8%B4%A6%E6%88%B7\" target=\"_blank\" rel=\"noopener\">Richard Thaler<\/a>\u3002Richard Thaler\u8a8d\u70ba\u4eba\u5011\u5c0d\u65bc\u4e0d\u540c\u7684\u91d1\u9322\u6709\u4e0d\u540c\u7684\u89c0\u5ff5\uff0c\u96d6\u7136\u4e0d\u540c\u7684\u91d1\u9322\u65bc\u7406\u6027\u4e0a\u662f\u4e00\u6a23\u7684dollar sign\uff0c\u4f46\u5c0d\u65bc\u4eba\u5011\u7684\u5fc3\u7406\u5c31\u4e0d\u4e00\u6a23\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5927\u5bb6\u90fd\u807d\u904e<strong>\u300c\u51a4\u6789\u4f86\uff0c\u761f\u75ab\u53bb\u300d<\/strong>\uff0c\u597d\u50cf\u5931\u53bb\u4e86\u672a\u7d93\u52aa\u529b\u5f97\u4f86\u7684\u91d1\u9322\u4e26\u4e0d\u9700\u8981\u53ef\u60dc\u3002\u4eba\u5011\u6703\u5c07\u7531\u535a\u5f69\u800c\u4f86\u7684\u91d1\u9322\u653e\u5165\u67d0\u4e00\u5fc3\u7406\u5e33\u6236\uff08mental accounting\uff09\u53bb\u8655\u7406\uff0c\u800c\u7531\u5de5\u4f5c\u800c\u4f86\u7684\u91d1\u9322\u5247\u653e\u5165\u53e6\u4e00\u500b\u4e0d\u540c\u7684\u5fc3\u7406\u5e33\u6236\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5c07\u4eba\u5011\u5c0d\u91d1\u9322\u7684\u4e0d\u540c\u5206\u985e\u800c\u52a0\u4ee5\u6b63\u5411\u61c9\u7528\uff0c\u5176\u4e2d\u4e00\u500b\u61c9\u7528\u4fbf\u662f\u5c07\u9000\u4f11\u958b\u652f\u5206\u985e\uff08\u898b<a href=\"https:\/\/www.mpfdiy.com\/2018\/11\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a16-%e3%80%8c%e9%9c%80%e6%b1%82%e3%80%8d%e3%80%8c%e6%ac%b2%e6%b1%82%e3%80%8d%e3%80%8c%e9%81%ba%e7%94%a2%e3%80%8d\/\" target=\"_blank\" rel=\"noopener\">\u524d\u6587<\/a>\uff09\uff0c\u4ee4\u81ea\u5df1\u61c9\u7528\u5247\u7528\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\"><a style=\"color: #04b2f2;\" href=\"https:\/\/www.forbes.com\/sites\/katevitasek\/2017\/10\/10\/richard-thaler-and-the-human-factor-in-economics\/#69b20a91b563\">\u81ea\u6211\u63a7\u5236<\/a>\uff08self-control\uff09<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u4e00\u4e9b\u7406\u8ad6\u8a8d\u70ba\u4eba\u985e\u7d93\u5e38\u7f3a\u4e4f\u81ea\u6211\u63a7\u5236\uff0c\u4f7f\u5f97\u9053\u5fb7\u502b\u7406\u65bc\u672a\u8b58\u5b57\u524d\u5df2\u7d93\u9808\u8981\u7531\u7236\u6bcd\u53ca\u793e\u6703\u5411\u5b69\u7ae5\u65bd\u52a0\uff0c\u4ee4\u4eba\u7531\u5e7c\u6642\u958b\u59cb\u5df2\u7d93\u958b\u59cb\u8981\u81ea\u89ba\u5730\u56e0\u81ea\u8eab\u5bb9\u6613\u7f3a\u4e4f\u81ea\u6211\u63a7\u5236\uff0c\u800c\u9700\u8981\u7d93\u5e38\u4f5c\u51fa\u81ea\u6211\u63a7\u5236\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u7db2\u4e0a<a href=\"https:\/\/qz.com\/work\/1466970\/why-scaring-people-into-saving-for-retirement-doesnt-work\/\" target=\"_blank\" rel=\"noopener\">\u6587\u7ae0<\/a>\u6307\u51fa\u7531\u65bc\u7576\u4e0b\u7684\u81ea\u5df1\u5c0d\u5c07\u4f86\u7684\u81ea\u5df1\u7f3a\u4e4f\u5fc3\u7406\u9023\u7d50\uff0c\u5728\u7f3a\u4e4f\u81ea\u6211\u63a7\u5236\u4e0b\uff0c\u7576\u4e0b\u7684\u5f15\u8a98\u6703\u906e\u853d\u5c0d\u5c07\u4f86\u7684\u5e0c\u671b\u3002\u4f8b\u5982\u660e\u77e5\u4e0d\u505a\u904b\u52d5\u662f\u5c0d\u8eab\u9ad4\u4e0d\u597d\uff0c\u660e\u77e5\u6253\u6a5f\u6703\u88ab\u9b27\uff0c\u90fd\u6703\u7f3a\u4e4f\u81ea\u6211\u63a7\u5236\u5730\u9078\u64c7\u7576\u4e0b\u7684\u5f15\u8a98\uff0c\u800c\u5ffd\u8996\u5c07\u4f86\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u8056\u7d93\u4e0a\u7684\u300c\u7acb\u5fd7\u70ba\u5584\u7531\u5f97\u6211\uff0c\u53ea\u662f\u884c\u51fa\u4f86\u7531\u4e0d\u5f97\u6211\u300d\uff0c\u8207Richard Thaler\u8a0e\u8ad6<a href=\"https:\/\/www.forbes.com\/sites\/katevitasek\/2017\/10\/10\/richard-thaler-and-the-human-factor-in-economics\/#69b20a91b563\" target=\"_blank\" rel=\"noopener\">\u81ea\u6211\u63a7\u5236<\/a>\u6642\u7684\u201cplanner-doer\u201d model\u540c\u51fa\u4e00\u8f4d\u3002Richard Thaler\u8a8d\u70ba\u653f\u5e9c\u53ef\u900f\u904e\u4e00\u4e9b\u653f\u7b56\u53ca\u884c\u653f\u63aa\u65bd\uff0c\u53bb\u6539\u8b8a\u4eba\u5011\u6f20\u8996\u5c07\u4f86\u7684\u884c\u70ba\u3002Richard Thaler\u65bc\u4ed6\u7684\u8457\u4f5c\u300a<a href=\"https:\/\/www.bookdepository.com\/Nudge-Richard-H-Thaler\/9780143115267\" target=\"_blank\" rel=\"noopener\">Nudge<\/a>\u300b\uff08\u4e2d\u8b6f\uff1a\u300a<a href=\"https:\/\/www.books.com.tw\/products\/0010445555\" target=\"_blank\" rel=\"noopener\">\u63a8\u529b<\/a>\u300b\uff09\u5167\u4e00\u6bb5\u95dc\u65bc\u70ba\u5c07\u4f86\u800c\u5132\u84c4\uff08Save More Tomorrow\uff09\uff0c\u63d0\u51fa\u4e86\u591a\u9805\u653f\u5e9c\u653f\u7b56\u53bb\u4ee4\u5e02\u6c11\u589e\u52a0\u5132\u84c4\u7387\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u7b46\u8005\u6709\u898b\u5e02\u6c11\u5927\u773e\u5c0d\u5f37\u7a4d\u91d1\u7684\u4e0d\u63ea\u4e0d\u776c\u5fc3\u7406\uff0c\u4e3b\u8981\u4f86\u81ea\u6f20\u8996\u5f37\u7a4d\u91d1\u5c0d\u5c07\u4f86\u81ea\u5df1\u7684\u91cd\u8981\u6027\uff0c\u6c92\u6709\u65bc\u7576\u4e0b\u597d\u597d\u7ba1\u7406\u5f37\u7a4d\u91d1\uff0c\u8207\u6b64\u300e\u7f3a\u4e4f\u81ea\u6211\u63a7\u5236\u300f\u7684\u7d93\u6fdf\u884c\u70ba\u4e0d\u8b00\u800c\u5408\u3002\u6240\u4ee5\uff0c\u8981\u6539\u8b8a\u6b64\u5fc3\u7406\uff0c\u540c\u6a23\u53ef\u7531\u5fc3\u7406\u5165\u624b\uff0c\u5c24\u5176\u7576\u5e02\u6c11\u5927\u773e\u5c0d\u5f37\u7a4d\u91d1\u5145\u65a5\u8ca0\u9762\u60c5\u7dd2\uff0c\u6b63\u5411\u5fc3\u7406\u4fbf\u66f4\u61c9\u8a72\u904b\u65bc\u5f37\u7a4d\u91d1\u63a8\u5ee3\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u6b63\u5411\u6559\u80b2\u8fd1\u5e74\u4f86\u65bc\u5c0f\u5b78\u5b78\u754c\u5927\u884c\u5176\u9053\uff08<a href=\"https:\/\/www.google.com.hk\/search?rlz=1C1GCEU_enHK822HK822&amp;ei=XzDyW4TAOcGe8QXdxI24AQ&amp;q=%E6%AD%A3%E5%90%91%E6%95%99%E8%82%B2+&amp;oq=%E6%AD%A3%E5%90%91%E6%95%99%E8%82%B2+&amp;gs_l=psy-ab.3..0l10.17560.20064..20440...0.0..0.71.130.2......0....1j2..gws-wiz.4M8qsoqG7aQ\" target=\"_blank\" rel=\"noopener\">\u898b\u6b64<\/a>\uff09\uff0c\u91cd\u9ede\u90fd\u662f\uff1a\u597d\u884c\u70ba\u51fa\u597d\u4eba\uff0c\u7528\u6b63\u9762\u7684\u5fc3\u7406\u3001\u884c\u70ba\u53ca\u53cd\u61c9\u53bb\u589e\u5f37\u6297\u9006\u529b\u3002\u4f8b\u5982\u73fe\u6642\u5e02\u6c11\u5927\u773e\u5c0d\u5f37\u7a4d\u91d1\u7684\u4e0d\u63ea\u4e0d\u776c\uff0c\u662f\u56e0\u70ba\u5c31\u7b97\u8cfa\u5230\u9322\u90fd\u662f\u5e7e\u5341\u5e74\u5f8c\u624d\u80fd\u4eab\u53d7\u7684\u8a71\uff0c\u7b46\u8005\u60f3\u60f3\u53ef\u5426\u5bb9\u8a31\u5e02\u6c11\u5927\u773e\u80fd\u5920\u63d0\u65e9\u63d0\u53d6\u8cfa\u9322\u7684\u90e8\u5206\uff1f\u5982\u679c\u6015\u63d0\u53d6\u592a\u591a\uff0c\u53ef\u4ee5\u8981\u6c42\u4f9b\u6b3e\u52a0\u6bcf\u5e744%\u4f5c\u4fdd\u7559\u8cc7\u7522\uff0c\u4ee5\u5916\u7684\u53ef\u4ee5\u63d0\u53d6\u3002\u63d0\u4f9b\u8a98\u56e0\uff08award\uff09\u8b93\u66f4\u591a\u4eba\u7559\u610f\u5f37\u7a4d\u91d1\u7684\u8cfa\u8755\u60c5\u6cc1\uff0c\u751a\u81f3\u4f7f\u4eba\u5011\u4e3b\u52d5\u7ba1\u7406\u5f37\u7a4d\u91d1\u70ba\u73fe\u5728\u53ca\u5c07\u4f86\u7684\u81ea\u5df1\u591a\u8cfa\u4e00\u4e9b\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5982\u679c\u73fe\u6642\u5c0d\u5f85\u53d7\u8a17\u4eba\u53ca\u57fa\u91d1\u7d93\u7406\u592a\u597d\u592a\u6b63\u9762\u7684\u8a71\uff0c\u53ef\u4ee5\u904b\u7528\u7f70\u5247\u53ca\u9664\u724c\u6a5f\u5236\u3002\u99ac\u6703\u5c0d\u8868\u73fe\u5dee\u7684\u9a0e\u5e2b\u53ca\u99ac\u623f\u6703\u4f5c\u51fa\u8b66\u544a\uff0c\u751a\u81f3\u9664\u724c\uff08\u898b\u6b64 <a href=\"https:\/\/m.mingpao.com\/ins\/instantnews\/web_tc\/article\/20170427\/s00001\/1493273119294\" target=\"_blank\" rel=\"noopener\">1<\/a>\u00a0 <a href=\"https:\/\/hk.sports.appledaily.com\/racing\/realtime\/article\/20181110\/58898711\" target=\"_blank\" rel=\"noopener\" class=\"broken_link\">2<\/a>\uff09\uff0c\u7b46\u8005\u60f3\u60f3\u7a4d\u91d1\u5c40\u5982\u80fd\u505a\u540c\u6a23\u4e8b\u60c5\uff0c\u5c31\u662f\u5e02\u6c11\u5927\u773e\u4e4b\u8914\u3002\u4f8b\u5982\u597d\u50cf\u8db3\u7403\u806f\u8cfd\u6392\u73ed\u6b21\uff0c\u4f4e\u73ed\u6b21\u53ea\u80fd\u7ba1\u7406\u5c11\u6578\u91cf\u7684\u6236\u53e3\u53ca\u8cc7\u7522\u3002\u53c8\u5b9a\u671f\u6aa2\u8996\u6236\u53e3\u8cc7\u7522\u6578\u91cf\u53ca\u57fa\u91d1\u56de\u5831\uff0c\u8a2d\u5347\u964d\u73ed\u5236\u5ea6\uff0c\u73ed\u6b21\u5167\u6236\u53e3\u3001\u8cc7\u7522\u53ca\u56de\u5831\u6700\u4f4e\u7684\u964d\u73ed\uff0c\u6700\u9ad8\u7684\u5347\u73ed\u3002\u5728\u9019\u7a2e\u5145\u6eff\u7af6\u722d\u6027\u7684\u6a5f\u5236\uff0c\u964d\u6536\u8cbb\u3001\u5347\u56de\u5831\u53ca\u8ffd\u8868\u73fe\u4e00\u5b9a\u51fa\u73fe\uff0c\u653f\u5e9c\u4fbf\u4e0d\u7528\u641e<a href=\"https:\/\/www.info.gov.hk\/gia\/general\/201710\/31\/P2017103100418.htm\" target=\"_blank\" rel=\"noopener\">\u4e2d\u592e\u5316\u7684eMPF<\/a>\uff0c\u8207\u6c11\u722d\u5229\u3002\uff08\u7b46\u8005\u652f\u6301\u55ae\u4e00\u5316\u6236\u53e3\uff0c\u5373\u4e00\u4eba\u4e00\u6236\u53e3\uff0c\u4e00\u500b\u6236\u53e3\u7528\u65bc\u4e0d\u540c\u8a08\u5283\uff0c<a href=\"https:\/\/www.mpfdiy.com\/2017\/01\/%E5%BC%B7%E7%A9%8D%E9%87%91%E5%B1%95%E6%9C%9B2-empf%E4%B8%AD%E5%A4%AE%E9%9B%BB%E5%AD%90%E5%B9%B3%E5%8F%B0\/\" target=\"_blank\" rel=\"noopener\">\u898b\u6b64<\/a>\uff0c\u4f46\u4e0d\u662f\u4e2d\u592e\u5f0f\u552f\u4e00\u5316\u53d7\u8a17\u8a08\u5283\uff0c<a href=\"https:\/\/www.mpfdiy.com\/2018\/11\/%E7%A9%8D%E9%87%91%E6%96%B0%E8%81%9E38-%E7%A9%8D%E9%87%91%E5%B1%80%E9%80%80%E4%BC%91%E9%87%91%E5%88%B6%E5%BA%A6%E7%A0%94%E8%A8%8E%E6%9C%83\/\" target=\"_blank\" rel=\"noopener\">\u898b\u6b64<\/a>\uff1b\u524d\u8005\u6c11\u71df\u591a\u5143\u5316\u591a\u7af6\u722d\uff0c\u5f8c\u8005\u5b98\u71df\u653f\u6cbb\u5316\u5b98\u50da\u5316\uff09<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u7a4d\u91d1\u5c40\u8ca1\u653f\u4e00\u5411\u6709\u51fa\u5187\u5165\uff0c\u8fd1\u65e5\u7a4d\u91d1\u5c40\u60f3\u6548\u6cd5\u4fdd\u76e3\u5c40\uff0c\u64ec\u5411\u53d7\u8a17\u4eba\uff08\u6700\u7d42\u662f\u8a08\u5283\u6210\u54e1\uff09\u6536\u8cbb\uff08<a href=\"https:\/\/wealth.hket.com\/article\/2218580\/%E6%9B%B9%E4%BD%A9%E9%88%9E%20-%20%E7%A9%8D%E9%87%91%E5%B1%80%E6%93%AC%E6%94%B6MPF%E5%8F%97%E8%A8%97%E4%BA%BA%E8%A8%BB%E5%86%8A%E5%B9%B4%E8%B2%BB%E5%86%80%E6%89%AD%E8%99%A7%EF%BC%9F\" target=\"_blank\" rel=\"noopener\" class=\"broken_link\">\u898b\u6b64<\/a>\uff09\u3002\u5187\u65b0\u653f\u7b56\u53c8\u5187\u65b0\u670d\u52d9\u4e0b\u8981\u641c\u62ec\u6c11\u8102\u6c11\u818f\uff0c\u8ac7\u4f55\u5bb9\u6613\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\"><a style=\"color: #04b2f2;\" href=\"https:\/\/www.youtube.com\/watch?v=PCujWv7Mc8o\" target=\"_blank\" rel=\"noopener\" class=\"broken_link\">\u4ed8\u73fe\u91d1\u7684\u75db\u695a<\/a>\uff08pain of paying\uff09<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u6b63\u6240\u8b02<strong>\u300c\u91dd\u5514\u62ee\u5230\u8089\u5c31\u5514\u77e5\u75db\u300d<\/strong>\uff0c\u7814\u7a76\u767c\u73fe<span style=\"color: #04b2f2;\">\u300c\u4ed8\u73fe\u91d1\u300d\u4e0b\u7684\u6d88\u8cbb\u91d1\u984d<\/span>\u662f\u5c11\u65bc\u4fe1\u7528\u5361\u6d88\u8cbb\uff0c\u7531\u65bc<span style=\"color: #04b2f2;\">\u4ed8\u73fe\u91d1\u6703\u5f15\u767c\u8166\u5167\u300c\u75db\u300d\u7684\u611f\u89ba<\/span>\uff0c\u4ee4\u8eab\u9ad4\u5728\u5371\u6a5f\u610f\u8b58\u4e0b\u63d0\u9ad8\u8b66\u89ba\uff0c\u6e1b\u5c11\u4e0d\u5fc5\u8981\u6d88\u8cbb\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u6d88\u8cbb\u754c\u5927\u91cf\u53cd\u8f49\u904b\u7528\u6b64\u7d93\u6fdf\u5fc3\u7406\uff0c\u5927\u91cf\u63a8\u884c\u975e\u73fe\u91d1\u6d88\u8cbb\u53ca\u4ea4\u6613\uff0c\u4f8b\u5982\u7528\u4fe1\u7528\u5361\u6d88\u8cbb\u6709\u6298\u6263\uff0c\u96fb\u5b50\u8f49\u5e33\u8cb7\u5165\u7528\u4e0d\u7740\u7684\u6771\u897f\uff0c\u597d\u50cf\u6dd8\u56de\u4f86\u7684\u6771\u897f\u6709\u5e7e\u591a\u771f\u7684\u7528\u5f97\u7740\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5f37\u7a4d\u91d1\u7684\u50f1\u4e3b\u6263\u6b3e\u4f9b\u6b3e\uff0c\u540c\u6a23\u6709\u6b64\u6548\u679c\uff0c\u6e1b\u5c11\u4e86\u50f1\u54e1\u5f9e\u81ea\u5df1\u9280\u5305\u62ff\u73fe\u91d1\u51fa\u4f86\u4f9b\u6b3e\u9019\u500bmoment\u7684\u300c\u75db\u300d\u7684\u611f\u89ba\u3002\u4f46\u6bcf\u7576\u8a08\u5283\u6210\u54e1\u6536\u5230\u5f37\u7a4d\u91d1\u7684\u4fe1\u4ef6\uff0c\u53c8\u6216\u8a31\u95b1\u8b80\u5230\u5831\u7ae0\u4e0a\u5f37\u7a4d\u91d1\u7684\u5831\u5c0e\uff0c\u9019\u7a2e\u4ed8\u73fe\u91d1\u7684\u75db\u695a\u53c8\u6703\u6e67\u73fe\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u6d88\u8cbb\u754c\u8655\u7406\u9019\u7a2e\u4ed8\u73fe\u91d1\u7684\u75db\u695a\uff0c\u901a\u5e38\u6d3e\u9001\u73fe\u91d1\u5229\u76ca\u3002\u4f8b\u5982\u7c3d\u5e33\u7a4d\u5206\u63db\u79ae\u5238\u53ca\u6a5f\u7968\uff0c\u73fe\u91d1\u56de\u8d08\u53ca\u6298\u6263\uff0c\u7528\u6b61\u6109\u53bb\u906e\u84cb\u75db\u695a\uff0c\u5be6\u884c\u4e00\u7269\u6cbb\u4e00\u7269\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5f37\u7a4d\u91d1\u4ea6\u6709\u501f\u9451\uff0c\u4f8b\u5982\u7d05\u5229\u53ca\u6536\u8cbb\u512a\u60e0\uff0c\u4f46\u4e0d\u662f\u300c\u73fe\u515c\u515c\u300d\uff0c\u6548\u679c\u4e0d\u660e\u986f\uff0c\u8a08\u5283\u6210\u54e1\u5118\u7ba1\u5e33\u76ee\u4e0a\u80fd\u4eab\u53d7\uff0c\u4f46\u5fc3\u7406\u4e0a\u53ca\u624b\u982d\u4e0a\u672a\u80fd\u4eab\u53d7\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u7b46\u8005\u60f3\u60f3\u5982\u679c\u81ea\u9858\u6027\u4f9b\u6b3e\u514d\u7a05\uff08\u516c\u53f8\u53ca\u500b\u4eba\uff09\uff0c\u6216\u8005\u4e0a\u8ff0\u7684\u5229\u6f64\u90e8\u4efd\u53ef\u63d0\u65e9\u63d0\u53d6\uff0c\u4ee4\u8a08\u5283\u6210\u54e1\u65bc\u60a0\u9577\u7684\u4f9b\u6b3e\u671f\u671f\u9593\uff0c\u90fd\u6709\u6536\u53d6\u73fe\u91d1\u7684\u76ca\u8655\uff0c\u5fc3\u7406\u4e0a\u53ef\u80fd\u6703\u6b63\u5411\u4e00\u9ede\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">\u7e3d\u7d50<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5f37\u7a4d\u91d1\u662f\u5c0d\u5c07\u4f86\u81ea\u5df1\u7684\u6295\u8cc7\uff0c\u904e\u7a0b\u4e4b\u4e2d\u7684\u5fc3\u7406\u72c0\u614b\uff0c\u5176\u5be6\u662f\u6703\u5f71\u97ff\u6295\u8cc7\u6210\u679c\uff0c\u800c\u9019\u6295\u8cc7\u6210\u679c\u6700\u7d42\u662f\u4ea6\u7531\u5c07\u4f86\u7684\u81ea\u5df1\u4f86\u627f\u53d7\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u8655\u7406\u5f37\u7a4d\u91d1\u50be\u5411\u7528\u7406\u6027\u624b\u6bb5\uff0c\u800c\u672c\u6587\u5617\u8a66\u7528\u4e00\u7528\u5fc3\u7406\u53ca\u884c\u70ba\u4f86\u5206\u6790\u8655\u7406\u5176\u4ed6\u975e\u7406\u6027\u554f\u984c\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5176\u5be6\u5f37\u7a4d\u91d1\u5341\u591a\u5e74\u4f86\u7684\u6295\u8cc7\u56de\u5831\u4e0d\u904e\u4e0d\u5931\uff08<a href=\"http:\/\/www.mpfa.org.hk\/tch\/information_centre\/press_releases\/8210_record.jsp\" target=\"_blank\" rel=\"noopener\">\u898b\u6b64<\/a>\uff09\uff0c\u53ea\u662f\u9999\u6e2f\u4eba\u5c0d\u5f37\u7a4d\u91d1\u65e5\u7a4d\u6708\u7d2f\u7684\u8ca0\u9762\u60c5\u7dd2\uff0c\u4e26\u975e\u7528\u7406\u6027\u624b\u6bb5\uff08\u81ea\u7531\u884c\u9078\u64c7\u3001\u964d\u6536\u8cbb\uff09\u53ef\u4ee5\u5b8c\u5168\u8655\u7406\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><span style=\"color: #ff0000;\">\u9760\u5687<\/span>\u4e26\u4e0d\u80fd\u4ee4\u4eba\u5920\u9322\u9000\u4f11\uff0c\u66f4\u591a\u7684\u53ef\u80fd\u662f\u7528\u7d93\u6fdf\u884c\u70ba\u53ca\u5fc3\u7406\u89d2\u5ea6\u51fa\u767c\uff0c\u904b\u7528\u4eba\u6027\u5316\u7684\u65b9\u6cd5\u5c07\u8a08\u5283\u6210\u54e1\u4ee5\u6b63\u5411\u5fc3\u614b\u5c0d\u5f85\u81ea\u5df1\u7684\u9000\u4f11\u5132\u84c4\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/11\/scary-retirement.jpg?ssl=1\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" title=\" 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