[{"data":1,"prerenderedAt":1439},["ShallowReactive",2],{"articles-list":3,"articles-instructors":1287},[4,100,164,268,341,422,526,617,726,805,888,963,1043,1123,1211],{"id":5,"title":6,"author":7,"body":8,"category":88,"cover":89,"date":90,"description":91,"extension":92,"meta":93,"navigation":94,"path":95,"seo":96,"slug":97,"stem":98,"__hash__":99},"articles\u002Farticles\u002Fart-market-2026.md","2026 藝術市場觀察：新手入場守則","bai-jhou",{"type":9,"value":10,"toc":76},"minimark",[11,15,19,23,26,29,32,35,38,41,64,70,73],[12,13,14],"p",{},"近幾年藝術市場的討論度明顯升高，不少過去只投資股票與房地產的朋友，也開始詢問藝術收藏是否值得入場。這篇文章整理幾個 2026 年觀察到的市場趨勢，以及新手入場前應該建立的基本守則。",[16,17,18],"h2",{"id":18},"市場趨勢觀察",[20,21,22],"h3",{"id":22},"版畫與限量作品的關注度上升",[12,24,25],{},"相較於單一原作動輒百萬起跳的門檻，版畫與限量印刷作品的親民定價，讓更多新藏家願意從這個區間開始建立收藏。",[20,27,28],{"id":28},"新銳藝術家的能見度提高",[12,30,31],{},"透過線上藝廊與社群平台，新銳藝術家有更多機會直接接觸藏家，市場資訊也比過去更透明，但也意味著魚龍混雜，鑑別能力變得更加重要。",[20,33,34],{"id":34},"拍賣會逐漸年輕化",[12,36,37],{},"過去以資深藏家為主的拍賣會，近年出現越來越多首次參與的年輕藏家，帶動部分品類的競標熱度。",[16,39,40],{"id":40},"新手入場前的三個守則",[42,43,44,52,58],"ol",{},[45,46,47,51],"li",{},[48,49,50],"strong",{},"先建立審美判斷，再談投資報酬","：藝術收藏與股票不同，沒有清楚的財報可以估值，你對作品的理解與喜好，是判斷的重要基礎。",[45,53,54,57],{},[48,55,56],{},"從可負擔的價格區間開始","：不要一開始就把預算全押在單一高價作品，先透過中低價位的版畫或年輕藝術家作品累積經驗。",[45,59,60,63],{},[48,61,62],{},"保存與來源紀錄同樣重要","：一件作品的保存狀況與交易來源紀錄，會直接影響未來的轉手價值，新手常常忽略這一點。",[65,66,67],"blockquote",{},[12,68,69],{},"藝術收藏不是穩賺不賠的投資工具，它更像是一種「用金錢投票給你欣賞的創作」，投資報酬是可能的附加價值，不該是唯一的出發點。",[16,71,72],{"id":72},"給新手的建議",[12,74,75],{},"如果你對藝術收藏有興趣，我建議先花時間多看展覽、多讀藝術史與市場報告，建立自己的判斷標準，再逐步小額進場。任何要你「保證增值」的話術，都值得提高警覺。藝術市場的迷人之處，正在於它結合了美感與價值判斷，而不是一套可以完全套公式計算的遊戲。",{"title":77,"searchDepth":78,"depth":78,"links":79},"",2,[80,86,87],{"id":18,"depth":78,"text":18,"children":81},[82,84,85],{"id":22,"depth":83,"text":22},3,{"id":28,"depth":83,"text":28},{"id":34,"depth":83,"text":34},{"id":40,"depth":78,"text":40},{"id":72,"depth":78,"text":72},"理財觀點","\u002Fimages\u002Farticles\u002Fart-market-2026.webp","2026-05-15","藝術收藏市場持續回溫，新手入場前該知道的估值邏輯與風險守則。","md",{},true,"\u002Farticles\u002Fart-market-2026",{"title":6,"description":91},"art-market-2026","articles\u002Fart-market-2026","pME-Mx6oU5xPSD6xRedmjkjJHVqK5P42j3Mn4WGPyIY",{"id":101,"title":102,"author":103,"body":104,"category":154,"cover":155,"date":156,"description":157,"extension":92,"meta":158,"navigation":94,"path":159,"seo":160,"slug":161,"stem":162,"__hash__":163},"articles\u002Farticles\u002Fbookkeeping-3-steps.md","三步驟開始記帳，不再半途而廢","tseng-hsu-yao",{"type":9,"value":105,"toc":147},[106,109,112,115,119,122,126,129,133,136,141,144],[12,107,108],{},"我曾經卡債纏身，也曾經下載過至少十款記帳 App，每一次都撐不過一個月就放棄。後來我才明白，記帳失敗從來不是意志力不夠，而是方法本身設計得太複雜，複雜到讓人一忙就想放棄。",[16,110,111],{"id":111},"為什麼多數人記帳都會半途而廢",[12,113,114],{},"大部分記帳失敗的原因，都指向同一個根本問題：把記帳這件事想得太完整、太精細。分類分得太細、要求自己每一筆消費都要當下記錄、還要每天檢查預算執行率——這些「理想的記帳流程」，在真實生活的忙碌與疲憊面前，往往撐不過兩週。",[16,116,118],{"id":117},"第一步先求記錄不求分類","第一步：先求記錄，不求分類",[12,120,121],{},"一開始不要糾結於分類是否精準，只要求自己把「花了多少錢」記下來就好。可以先粗略分成「必要支出」與「非必要支出」兩大類，甚至一開始完全不分類也沒關係。重點是先把「記錄」這個動作變成習慣，之後再逐步優化分類方式。",[16,123,125],{"id":124},"第二步固定一個每天回顧的時間點","第二步：固定一個每天回顧的時間點",[12,127,128],{},"與其要求自己隨時隨地記帳，不如固定一個每天都會做的時間點，例如睡前十分鐘，回想今天花了哪些錢並一次補記。這個做法能大幅降低記帳的心理門檻，因為你不需要隨時中斷生活來記帳。",[16,130,132],{"id":131},"第三步每週做一次簡單回顧","第三步：每週做一次簡單回顧",[12,134,135],{},"每週花五到十分鐘，看看這一週的支出有沒有明顯異常，例如某個類別突然暴增。不需要做複雜的分析，只要問自己一個問題：「這週的花費，有沒有讓我未來後悔？」",[65,137,138],{},[12,139,140],{},"記帳的目的從來不是省錢，而是讓你清楚知道錢花去哪裡了，重新拿回對財務的掌控感。",[16,142,143],{"id":143},"給正在掙扎的你",[12,145,146],{},"如果你也曾經因為記帳半途而廢而感到挫折，請記得那不是你的問題，而是方法的問題。從最簡單的版本開始，允許自己中斷後隨時重新開始，比追求一套完美卻難以堅持的系統，更容易走得長久。",{"title":77,"searchDepth":78,"depth":78,"links":148},[149,150,151,152,153],{"id":111,"depth":78,"text":111},{"id":117,"depth":78,"text":118},{"id":124,"depth":78,"text":125},{"id":131,"depth":78,"text":132},{"id":143,"depth":78,"text":143},"精選文章","\u002Fimages\u002Farticles\u002Fbookkeeping-3-steps.webp","2026-05-25","記帳失敗不是意志力問題，而是方法一開始就設定得太複雜。",{},"\u002Farticles\u002Fbookkeeping-3-steps",{"title":102,"description":157},"bookkeeping-3-steps","articles\u002Fbookkeeping-3-steps","V-YVZwCwhhaJgQaq-3lp4QYqZV-5z2c987gKBwvQCis",{"id":165,"title":166,"author":167,"body":168,"category":258,"cover":259,"date":260,"description":261,"extension":92,"meta":262,"navigation":94,"path":263,"seo":264,"slug":265,"stem":266,"__hash__":267},"articles\u002Farticles\u002Fcoupon-usage.md","折扣碼使用教學","編輯部",{"type":9,"value":169,"toc":252},[170,173,176,179,191,194,197,200,203,206,232,237,240,243],[12,171,172],{},"不少學員在購課前，都會習慣先找找看有沒有折扣碼可以使用。這篇文章說明 WealthShare 富享未來折扣碼機制的規劃與使用方式。",[16,174,175],{"id":175},"折扣碼從哪裡取得",[12,177,178],{},"折扣碼主要會透過以下管道發送：",[180,181,182,185,188],"ul",{},[45,183,184],{},"平台電子報與會員通知",[45,186,187],{},"講師課程頁面或社群公告的限時活動",[45,189,190],{},"首次購課的新用戶專屬優惠",[12,192,193],{},"建議訂閱平台電子報或關注講師的課程更新，避免錯過折扣活動的發送時間。",[16,195,196],{"id":196},"如何使用折扣碼",[12,198,199],{},"規劃中的結帳頁面，會有一個「輸入折扣碼」的欄位。填入代碼並點擊套用後，系統會即時顯示折抵後的金額，讓你在付款前就能確認實際應付金額，不會出現事後才發現折扣沒生效的情況。",[16,201,202],{"id":202},"折扣碼為什麼可能無法使用",[12,204,205],{},"折扣碼無法折抵，通常來自以下幾種常見原因：",[42,207,208,214,220,226],{},[45,209,210,213],{},[48,211,212],{},"折扣碼已過期","：每組折扣碼都有使用期限，逾期即失效。",[45,215,216,219],{},[48,217,218],{},"未達使用門檻","：部分折扣碼設有最低消費金額或限定課程類別。",[45,221,222,225],{},[48,223,224],{},"已達使用次數上限","：折扣碼可能限定每人使用一次，或有總發放數量上限。",[45,227,228,231],{},[48,229,230],{},"與其他優惠不可疊加","：例如限時優惠課程本身已有折扣，可能不再適用額外折扣碼。",[65,233,234],{},[12,235,236],{},"如果輸入折扣碼後系統顯示無法使用，建議先確認代碼字元是否輸入正確（例如大小寫、容易混淆的英數字），再確認活動時間與適用範圍。",[16,238,239],{"id":239},"現階段的提醒",[12,241,242],{},"目前平台的付款與結帳功能仍在準備上線，折扣碼機制也會與金流功能一併推出。在此之前，若看到任何折扣碼相關公告，代表的是活動預告，正式可使用的時間會另行公告。",[12,244,245,246,251],{},"若對折扣碼有任何疑問，歡迎透過 ",[247,248,250],"a",{"href":249},"mailto:support@wealthshare.tw","support@wealthshare.tw"," 與客服團隊確認。",{"title":77,"searchDepth":78,"depth":78,"links":253},[254,255,256,257],{"id":175,"depth":78,"text":175},{"id":196,"depth":78,"text":196},{"id":202,"depth":78,"text":202},{"id":239,"depth":78,"text":239},"購買相關","\u002Fimages\u002Farticles\u002Fcoupon-usage.webp","2026-06-20","說明折扣碼的取得管道、使用限制與常見的無法折抵原因。",{},"\u002Farticles\u002Fcoupon-usage",{"title":166,"description":261},"coupon-usage","articles\u002Fcoupon-usage","3g2Ege2ckjFpXkAtqqIt9XULKi3rfLYyxQHKKmzrz2Q",{"id":269,"title":270,"author":271,"body":272,"category":154,"cover":332,"date":333,"description":334,"extension":92,"meta":335,"navigation":94,"path":336,"seo":337,"slug":338,"stem":339,"__hash__":340},"articles\u002Farticles\u002Femergency-fund.md","緊急預備金該準備幾個月？","wen-yi-fan",{"type":9,"value":273,"toc":326},[274,277,280,283,286,289,309,312,315,320,323],[12,275,276],{},"在我陪伴學員做財務諮詢的經驗裡，緊急預備金幾乎是最常被忽略、卻也最關鍵的一環。大家急著討論該買哪支股票、哪檔 ETF，卻很少人先問自己：如果明天失業，我能撐多久？",[16,278,279],{"id":279},"緊急預備金到底在準備什麼",[12,281,282],{},"緊急預備金不是用來投資增值的錢，它的唯一任務，是在意外發生時，讓你不需要變賣投資部位、不需要借貸，就能維持基本生活。常見的意外情境包括：突然失業、重大疾病、家人急難、必要的設備維修等。",[16,284,285],{"id":285},"到底該準備幾個月",[12,287,288],{},"坊間常見的建議是 3 到 6 個月的生活費，但我認為這個數字不該是一體適用的公式，而要依照你的工作穩定性與家庭責任調整：",[180,290,291,297,303],{},[45,292,293,296],{},[48,294,295],{},"工作穩定、單身、無房貸","：3 個月的生活費可能已經足夠。",[45,298,299,302],{},[48,300,301],{},"自由工作者或收入波動較大","：建議準備 6 個月以上，因為收入中斷的風險較高。",[45,304,305,308],{},[48,306,307],{},"有房貸、扶養家人","：建議準備 6 到 12 個月，因為固定支出更高，且中斷收入的影響會波及更多人。",[16,310,311],{"id":311},"緊急預備金該放在哪裡",[12,313,314],{},"緊急預備金最重要的特性是「流動性」，而不是報酬率。常見的存放方式包括活期存款、貨幣市場基金，或是可以快速變現且波動極低的短天期工具。把緊急預備金拿去買股票或波動較大的資產，違背了它原本的設計目的。",[65,316,317],{},[12,318,319],{},"緊急預備金給你的不只是一筆錢，而是面對意外時「不必倉皇失措」的心理安全感。",[16,321,322],{"id":322},"從心態面看緊急預備金",[12,324,325],{},"很多人抗拒準備緊急預備金，是因為覺得這筆錢「放著不動很浪費」。但我常常提醒學員，緊急預備金的報酬率，不該用金錢報酬衡量，而該用「你在意外發生時，能不能保持理性做出正確決定」來衡量。當你手上有足夠的緩衝，才不會因為短期恐慌，做出賤賣資產或衝動借貸的決定。建立緊急預備金，是所有理財規劃裡最基礎、卻也最容易被低估的一步。",{"title":77,"searchDepth":78,"depth":78,"links":327},[328,329,330,331],{"id":279,"depth":78,"text":279},{"id":285,"depth":78,"text":285},{"id":311,"depth":78,"text":311},{"id":322,"depth":78,"text":322},"\u002Fimages\u002Farticles\u002Femergency-fund.webp","2026-06-01","緊急預備金的意義不只是數字，更是你面對財務衝擊時的心理安全感。",{},"\u002Farticles\u002Femergency-fund",{"title":270,"description":334},"emergency-fund","articles\u002Femergency-fund","8AchSZNjM3DAV4Nf87bTaskUIxXWwAiszSlydMoGGZs",{"id":342,"title":343,"author":344,"body":345,"category":88,"cover":413,"date":414,"description":415,"extension":92,"meta":416,"navigation":94,"path":417,"seo":418,"slug":419,"stem":420,"__hash__":421},"articles\u002Farticles\u002Fetf-cost-trap.md","ETF 內扣費用陷阱：0.1% 差多少？","kao-tzu-ching",{"type":9,"value":346,"toc":407},[347,350,353,356,359,362,370,373,376,396,399,404],[12,348,349],{},"「反正才差 0.1%，有差嗎？」這是我在 ETF 課程裡最常聽到的疑問。今天就用實際數字，帶大家看清楚內扣費用長期累積下來的真實殺傷力。",[16,351,352],{"id":352},"什麼是內扣費用",[12,354,355],{},"ETF 的內扣費用（或稱總費用率）包含經理費、保管費與其他營運成本，會直接從基金淨值中扣除，不會單獨顯示在你的交易明細上，因此很容易被投資人忽略。它與交易手續費不同，是每一天、每一年都在默默發生的成本。",[16,357,358],{"id":358},"一個簡單的試算",[12,360,361],{},"假設你投入 100 萬元，年化報酬率同樣是 7%，比較兩檔內扣費用分別為 0.2% 與 0.5% 的 ETF，經過 20 年：",[180,363,364,367],{},[45,365,366],{},"費用率 0.2%：實質年化報酬約 6.8%",[45,368,369],{},"費用率 0.5%：實質年化報酬約 6.5%",[12,371,372],{},"看起來只差 0.3 個百分點，但複利效果會放大這個差距。20 年後，兩者的資產累積金額可能相差超過十萬元以上，而這筆差距，純粹來自於「什麼都沒做」就被扣掉的費用。",[16,374,375],{"id":375},"為什麼投資人容易忽略",[42,377,378,384,390],{},[45,379,380,383],{},[48,381,382],{},"費用不會單獨出現在對帳單上","：它已經反映在淨值裡，不像手續費那樣一筆一筆列出來。",[45,385,386,389],{},[48,387,388],{},"短期感受不到差異","：一年之內 0.1% 的差距微乎其微，讓人誤以為無關緊要。",[45,391,392,395],{},[48,393,394],{},"行銷話術容易模糊焦點","：許多產品強調配息率或過去績效，卻很少強調費用結構。",[16,397,398],{"id":398},"該怎麼避開這個陷阱",[65,400,401],{},[12,402,403],{},"我常跟學員說：報酬率你無法控制，但費用率是你唯一能事先掌握、且確定會影響最終報酬的變數。",[12,405,406],{},"實務上，挑選 ETF 時，除了看追蹤指數與規模，務必仔細比較同類型標的的內扣費用率，並優先選擇費用結構透明、長期穩定偏低的產品。對於長期持有、以複利累積為目標的投資人而言，控制費用，就是控制你能拿回的報酬。",{"title":77,"searchDepth":78,"depth":78,"links":408},[409,410,411,412],{"id":352,"depth":78,"text":352},{"id":358,"depth":78,"text":358},{"id":375,"depth":78,"text":375},{"id":398,"depth":78,"text":398},"\u002Fimages\u002Farticles\u002Fetf-cost-trap.webp","2026-06-15","別小看 0.1% 的內扣費用差距，長期複利下來足以吃掉一年的報酬率。",{},"\u002Farticles\u002Fetf-cost-trap",{"title":343,"description":415},"etf-cost-trap","articles\u002Fetf-cost-trap","mx37CC-5COAE2vtNp73_6l03i2MQ_iF9VMBlT09MiN8",{"id":423,"title":424,"author":425,"body":426,"category":154,"cover":517,"date":518,"description":519,"extension":92,"meta":520,"navigation":94,"path":521,"seo":522,"slug":523,"stem":524,"__hash__":525},"articles\u002Farticles\u002Ffinance-english-terms.md","十個必懂的財經英文關鍵字","ai-lin-chang",{"type":9,"value":427,"toc":511},[428,431,434,440,446,452,458,461,467,473,479,482,488,494,500,503,508],[12,429,430],{},"許多學員告訴我，看國際財經新聞最挫折的地方，不是文法看不懂，而是同樣幾個詞彙反覆出現，卻始終抓不準精確含義。這篇文章整理十個高頻出現的財經英文關鍵字，幫你打好精讀的基礎。",[16,432,433],{"id":433},"總體經濟類",[12,435,436,439],{},[48,437,438],{},"1. Inflation（通貨膨脹）","：物價水準持續上升，購買力下降的現象，是央行貨幣政策最關注的指標之一。",[12,441,442,445],{},[48,443,444],{},"2. Rate hike \u002F Rate cut（升息／降息）","：央行調整基準利率的動作，直接影響借貸成本與市場資金鬆緊。",[12,447,448,451],{},[48,449,450],{},"3. Recession（經濟衰退）","：通常定義為連續兩季國內生產毛額（GDP）負成長，是總體經濟新聞中的重要警訊詞彙。",[12,453,454,457],{},[48,455,456],{},"4. Yield（殖利率）","：常見於債券相關新聞，指投資人持有債券所能獲得的報酬率。",[16,459,460],{"id":460},"企業財報類",[12,462,463,466],{},[48,464,465],{},"5. Earnings（獲利／盈餘）","：企業公布財報時的核心關鍵字，常搭配 beat（優於預期）或 miss（不如預期）使用。",[12,468,469,472],{},[48,470,471],{},"6. Guidance（財測／展望）","：企業對未來營運表現的預估說明，市場常依此調整對股價的預期。",[12,474,475,478],{},[48,476,477],{},"7. Margin（毛利率／利潤率）","：反映企業每一元營收能轉換成多少利潤，是判斷經營效率的重要指標。",[16,480,481],{"id":481},"市場與投資類",[12,483,484,487],{},[48,485,486],{},"8. Volatility（波動性）","：市場價格變動的劇烈程度，常用來衡量風險高低。",[12,489,490,493],{},[48,491,492],{},"9. Valuation（估值）","：市場對一家公司或資產合理價格的評估，常搭配 overvalued（高估）或 undervalued（低估）使用。",[12,495,496,499],{},[48,497,498],{},"10. Diversification（分散投資）","：透過持有不同資產降低整體投資組合風險的策略。",[16,501,502],{"id":502},"學習建議",[65,504,505],{},[12,506,507],{},"與其死背單字表，不如在真實新聞情境中反覆遇見這些詞彙，讓大腦自然建立詞彙與情境的連結。",[12,509,510],{},"建議挑選一篇你有興趣的財經新聞，先圈出所有陌生詞彙，查完意思後，試著用自己的話把整篇文章的重點口頭摘要一次。這個練習比單純背單字更有效，因為它同時訓練了理解與輸出的能力，是精讀財經英文最扎實的方法。",{"title":77,"searchDepth":78,"depth":78,"links":512},[513,514,515,516],{"id":433,"depth":78,"text":433},{"id":460,"depth":78,"text":460},{"id":481,"depth":78,"text":481},{"id":502,"depth":78,"text":502},"\u002Fimages\u002Farticles\u002Ffinance-english-terms.webp","2026-05-20","看懂國際財經新聞前，先掌握這十個高頻出現的英文關鍵字。",{},"\u002Farticles\u002Ffinance-english-terms",{"title":424,"description":519},"finance-english-terms","articles\u002Ffinance-english-terms","Z6KnT4JpOhD2UrxQqphZ111A-S5J5kSy3iiJci75K3o",{"id":527,"title":528,"author":529,"body":530,"category":88,"cover":608,"date":609,"description":610,"extension":92,"meta":611,"navigation":94,"path":612,"seo":613,"slug":614,"stem":615,"__hash__":616},"articles\u002Farticles\u002Fhouse-vs-rent.md","買房還是租房？用現金流思考","hsu-cheng-han",{"type":9,"value":531,"toc":600},[532,535,539,542,556,560,563,574,577,580,585,588,591,594,597],[12,533,534],{},"「租房是幫房東繳房貸，還是買房是被銀行綁一輩子？」這個爭論在台灣從來沒有停過。與其陷入立場之爭，不如回到最根本的工具——現金流試算。",[16,536,538],{"id":537},"買房的真實成本不只是房貸","買房的真實成本，不只是房貸",[12,540,541],{},"很多人計算買房成本時，只看每月房貸金額，卻忽略了：",[180,543,544,547,550,553],{},[45,545,546],{},"頭期款如果拿去投資，原本可能產生的機會成本",[45,548,549],{},"房屋稅、地價稅、社區管理費等長期固定支出",[45,551,552],{},"房屋修繕、老舊設備更換等不定期支出",[45,554,555],{},"買賣房屋的交易成本，例如仲介費、代書費",[16,557,559],{"id":558},"租房的真實成本也不只是租金","租房的真實成本，也不只是租金",[12,561,562],{},"同樣地，租房的成本也不該只看每月租金：",[180,564,565,568,571],{},[45,566,567],{},"頻繁搬家造成的時間與金錢成本",[45,569,570],{},"居住穩定性較低，可能影響長期生活規劃",[45,572,573],{},"省下的頭期款與房貸差額，是否真的被拿去投資，而不是被消費掉",[16,575,576],{"id":576},"一個簡化的現金流思考架構",[12,578,579],{},"我常建議學員用以下方式比較：把「買房頭期款＋每月房貸」與「每月租金＋頭期款拿去投資的預期報酬」放在同一張表上，用相同的時間長度（例如 20 年）比較兩者的總現金流出與資產累積結果。",[65,581,582],{},[12,583,584],{},"買房與租房沒有絕對的對錯，只有適不適合你目前的人生階段與現金流結構。",[20,586,587],{"id":587},"什麼情況比較適合買房",[12,589,590],{},"如果你已經確定會在同一個城市長期定居、頭期款不會排擠緊急預備金，且工作與收入穩定，買房可以提供居住穩定性與強迫儲蓄的效果。",[20,592,593],{"id":593},"什麼情況比較適合租房",[12,595,596],{},"如果你的工作地點可能變動、資金需要更高的流動性，或是目前的房價所得比明顯偏高，租房可以讓你保留彈性，把資金投入報酬率更高的用途。",[12,598,599],{},"買房或租房從來不是一個道德選擇，而是一道數學題。把情感與社會期待放到一邊，誠實地把數字攤開來看，你會發現答案往往比想像中更清楚。",{"title":77,"searchDepth":78,"depth":78,"links":601},[602,603,604],{"id":537,"depth":78,"text":538},{"id":558,"depth":78,"text":559},{"id":576,"depth":78,"text":576,"children":605},[606,607],{"id":587,"depth":83,"text":587},{"id":593,"depth":83,"text":593},"\u002Fimages\u002Farticles\u002Fhouse-vs-rent.webp","2026-06-05","拋開情感與社會壓力，用現金流與機會成本重新計算買房與租房的真實成本。",{},"\u002Farticles\u002Fhouse-vs-rent",{"title":528,"description":610},"house-vs-rent","articles\u002Fhouse-vs-rent","_LCfwz-HbQWUhedk969nSBPR3WnXczpsLBu_ZZEpbMw",{"id":618,"title":619,"author":167,"body":620,"category":258,"cover":717,"date":718,"description":719,"extension":92,"meta":720,"navigation":94,"path":721,"seo":722,"slug":723,"stem":724,"__hash__":725},"articles\u002Farticles\u002Fhow-to-buy-course.md","如何購買課程？完整流程教學",{"type":9,"value":621,"toc":706},[622,625,629,632,646,650,653,657,660,664,667,671,674,678,681,685,688,693,697,700],[12,623,624],{},"許多第一次造訪 WealthShare 富享的朋友，會問我們一個很直接的問題：「我該怎麼買這堂課？」這篇文章帶你完整走一遍購課流程，也說明目前哪些環節還在準備中。",[16,626,628],{"id":627},"第一步瀏覽並選擇課程","第一步：瀏覽並選擇課程",[12,630,631],{},"你可以透過首頁的熱門課程、募資課程與體驗課分類，或是進入「找課程」頁面依類別、講師篩選，找到適合自己的課程。每堂課程頁面都會列出：",[180,633,634,637,640,643],{},[45,635,636],{},"課程大綱與章節內容",[45,638,639],{},"適合的學員程度",[45,641,642],{},"講師背景與過往經歷",[45,644,645],{},"定價與原價（如有折扣）",[16,647,649],{"id":648},"第二步確認課程類型","第二步：確認課程類型",[12,651,652],{},"平台上的課程分成四種類型，購買前建議先了解差異：",[20,654,656],{"id":655},"一般課程regular","一般課程（regular）",[12,658,659],{},"錄製完成、可立即觀看的完整課程。",[20,661,663],{"id":662},"限時優惠flash","限時優惠（flash）",[12,665,666],{},"同樣是完整課程，但目前正在限時折扣期間。",[20,668,670],{"id":669},"體驗課coaching","體驗課（coaching）",[12,672,673],{},"時數較短、通常免費或低價的入門課程，適合先體驗講師教學風格。",[20,675,677],{"id":676},"募資課程crowdfunding","募資課程（crowdfunding）",[12,679,680],{},"尚在募資階段的課程企劃，達到募資目標後才會正式開課錄製。",[16,682,684],{"id":683},"第三步加入購物車並結帳","第三步：加入購物車並結帳",[12,686,687],{},"選定課程後，點擊「立即購買」即可進入結帳流程。目前規劃支援信用卡一次付清與 ATM 轉帳兩種付款方式。",[65,689,690],{},[12,691,692],{},"正式金流功能即將推出。上線前，所有課程頁面的購課按鈕暫不開放實際結帳，你會看到清楚的提示說明。",[16,694,696],{"id":695},"第四步開始學習","第四步：開始學習",[12,698,699],{},"付款完成後，課程會加入你的「我的課程」清單，可以隨時回來繼續觀看，學習進度也會自動保存，方便你中斷後接續學習。",[12,701,702,703,705],{},"如果購買過程中遇到任何問題，歡迎透過客服信箱 ",[247,704,250],{"href":249}," 與我們聯繫，我們會盡快協助處理。",{"title":77,"searchDepth":78,"depth":78,"links":707},[708,709,715,716],{"id":627,"depth":78,"text":628},{"id":648,"depth":78,"text":649,"children":710},[711,712,713,714],{"id":655,"depth":83,"text":656},{"id":662,"depth":83,"text":663},{"id":669,"depth":83,"text":670},{"id":676,"depth":83,"text":677},{"id":683,"depth":78,"text":684},{"id":695,"depth":78,"text":696},"\u002Fimages\u002Farticles\u002Fhow-to-buy-course.webp","2026-06-28","從瀏覽課程到完成購買，一次看懂 WealthShare 富享的購課流程。",{},"\u002Farticles\u002Fhow-to-buy-course",{"title":619,"description":719},"how-to-buy-course","articles\u002Fhow-to-buy-course","4tJxCn9NK8R-IZweA-sFpl-eefQoN5kmkaHkNODvFQM",{"id":727,"title":728,"author":167,"body":729,"category":795,"cover":796,"date":797,"description":798,"extension":92,"meta":799,"navigation":94,"path":800,"seo":801,"slug":802,"stem":803,"__hash__":804},"articles\u002Farticles\u002Finstructor-recruit.md","講師招募說明會：把你的專業變成課程",{"type":9,"value":730,"toc":786},[731,734,737,740,751,754,757,760,763,766,769,772,775,778,783],[12,732,733],{},"如果你在理財、職涯或某個興趣領域累積了扎實的實戰經驗，也一直想把這些知識系統化地教給別人，WealthShare 富享的講師招募說明會，就是為你準備的第一步。",[16,735,736],{"id":736},"誰適合成為講師",[12,738,739],{},"我們不要求你是知名 KOL，也不要求你有龐大的粉絲數。我們更在意的是：",[180,741,742,745,748],{},[45,743,744],{},"你是否有第一手的實戰經驗，而不只是二手轉述的知識",[45,746,747],{},"你是否能把複雜的觀念，拆解成一般人聽得懂的語言",[45,749,750],{},"你是否願意持續更新內容，跟上市場與法規的變化",[12,752,753],{},"目前平台上的講師，背景橫跨股票研究、退休規劃、房地產分析、ETF 投資、職涯教練、財經英文、心理諮商到藝術收藏，證明了理財教育的範圍其實比想像中更廣。",[16,755,756],{"id":756},"說明會會談些什麼",[20,758,759],{"id":759},"開課流程",[12,761,762],{},"我們會說明從課程企劃、大綱設計、錄製到上架的完整流程，也會分享過去講師常遇到的困難與解法，例如如何把一個模糊的主題聚焦成可教學的架構。",[20,764,765],{"id":765},"分潤機制",[12,767,768],{},"平台採取合作分潤模式，依照課程類型與合作方案，講師可獲得課程售價一定比例的分潤。說明會上會有更詳細的方案說明與試算範例，讓你評估開課的投入與回報是否符合預期。",[20,770,771],{"id":771},"內容規範",[12,773,774],{},"由於平台性質涉及理財教育，我們會特別說明內容審核的原則，例如避免保證獲利的話術、避免誤導性的宣傳字眼，確保每一堂課程都對學員負責任。",[16,776,777],{"id":777},"如何報名",[65,779,780],{},[12,781,782],{},"「我一直覺得自己的方法很有用，但不知道怎麼開始做成一門課。」——這是我們聽過最多次的講師心聲。",[12,784,785],{},"如果這句話也說中你的心情，歡迎關注平台後續公告的說明會時間與報名方式。我們會用最實際的方式，陪你把腦中的專業，變成一堂真正能幫助別人的課程。",{"title":77,"searchDepth":78,"depth":78,"links":787},[788,789,794],{"id":736,"depth":78,"text":736},{"id":756,"depth":78,"text":756,"children":790},[791,792,793],{"id":759,"depth":83,"text":759},{"id":765,"depth":83,"text":765},{"id":771,"depth":83,"text":771},{"id":777,"depth":78,"text":777},"平台公告","\u002Fimages\u002Farticles\u002Finstructor-recruit.webp","2026-05-10","WealthShare 富享即將舉辦講師招募說明會，邀請理財與職涯領域的專業工作者一起開課。",{},"\u002Farticles\u002Finstructor-recruit",{"title":728,"description":798},"instructor-recruit","articles\u002Finstructor-recruit","RT1jBGSQ97CMjBufVtueUlBeJvAWuTd3BPSDCFiWYxE",{"id":806,"title":807,"author":167,"body":808,"category":258,"cover":879,"date":880,"description":881,"extension":92,"meta":882,"navigation":94,"path":883,"seo":884,"slug":885,"stem":886,"__hash__":887},"articles\u002Farticles\u002Finvoice-faq.md","發票開立常見問題",{"type":9,"value":809,"toc":872},[810,813,817,820,823,826,846,849,852,857,860,866,869],[12,811,812],{},"購買線上課程雖然是虛擬商品，但發票開立的規則與一般消費並無不同。這篇文章整理幾個學員最常詢問的發票問題。",[16,814,816],{"id":815},"課程購買會開立發票嗎","課程購買會開立發票嗎？",[12,818,819],{},"會的。依照法規，平台上所有正式完成付款的課程訂單，都會開立電子發票。發票會在金流功能正式上線後，隨每一筆交易自動產生，你不需要額外申請。",[16,821,822],{"id":822},"如何設定發票載具",[12,824,825],{},"電子發票提供多種載具選擇，未來在結帳流程中，你可以依需求選擇：",[180,827,828,834,840],{},[45,829,830,833],{},[48,831,832],{},"手機條碼載具","：綁定你的手機條碼，發票直接歸戶，方便對獎與查詢。",[45,835,836,839],{},[48,837,838],{},"會員載具","：使用平台會員帳號作為載具，發票紀錄可在會員中心查詢。",[45,841,842,845],{},[48,843,844],{},"紙本發票","：若有需要，也可選擇印出紙本發票中獎對獎聯，但仍以電子發票為主。",[16,847,848],{"id":848},"需要開立公司抬頭發票怎麼辦",[12,850,851],{},"如果你是以公司名義購課，需要三聯式發票或統一編號，規劃中的結帳流程會提供欄位讓你填寫統一編號與抬頭資訊。填寫後開立的發票將列出公司抬頭與統編，可作為公司報帳憑證使用。",[65,853,854],{},[12,855,856],{},"提醒：統一編號發票通常需要在結帳當下就完成填寫，事後補開的流程會較為繁瑣，建議下單時就確認清楚。",[16,858,859],{"id":859},"發票遺失或需要重新索取怎麼辦",[12,861,862,863,865],{},"若日後發生發票遺失、格式錯誤或需要更改抬頭等情況，可以透過客服信箱 ",[247,864,250],{"href":249}," 提出申請，並提供訂單編號，我們會協助確認與處理。",[16,867,868],{"id":868},"目前的階段性說明",[12,870,871],{},"由於金流與結帳功能仍在開發中，現階段平台尚未產生實際的付款訂單與發票紀錄。以上規則將於正式上線付款功能時同步啟用，屆時我們也會在結帳頁面清楚標示發票開立的相關選項與規範，敬請期待。",{"title":77,"searchDepth":78,"depth":78,"links":873},[874,875,876,877,878],{"id":815,"depth":78,"text":816},{"id":822,"depth":78,"text":822},{"id":848,"depth":78,"text":848},{"id":859,"depth":78,"text":859},{"id":868,"depth":78,"text":868},"\u002Fimages\u002Farticles\u002Finvoice-faq.webp","2026-06-22","整理學員最常問的電子發票開立問題，包含載具設定與統一編號需求。",{},"\u002Farticles\u002Finvoice-faq",{"title":807,"description":881},"invoice-faq","articles\u002Finvoice-faq","fJEjnnnQriWC7X4mfct40cBZkJ1TvJPOi0n-rRISglc",{"id":889,"title":890,"author":167,"body":891,"category":795,"cover":954,"date":955,"description":956,"extension":92,"meta":957,"navigation":94,"path":958,"seo":959,"slug":960,"stem":961,"__hash__":962},"articles\u002Farticles\u002Fplatform-launch.md","WealthShare 富享正式上線！",{"type":9,"value":892,"toc":948},[893,896,899,902,905,908,928,931,934,939,942,945],[12,894,895],{},"今天是 WealthShare 富享正式上線的日子。從第一次討論到現在，我們花了將近一年時間，訪談超過百位理財從業者與一般上班族，最終決定打造一個專注在「理財教育」的課程平台——讓真正有實戰經驗的講師，把自己的方法論變成一堂堂課程，讓每個想要理財卻不知從何開始的人，都能找到適合自己的起點。",[16,897,898],{"id":898},"為什麼是理財教育",[12,900,901],{},"市面上不缺投資資訊，缺的是「系統化、可執行」的學習路徑。社群媒體上充斥著片段的投資建議，卻很少有人願意把完整的方法論、失敗經驗與思考架構完整教給你。我們相信，理財這件事不該只靠零散的資訊拼湊，而應該有一套從觀念到實作都經過驗證的課程。",[16,903,904],{"id":904},"平台的三個核心",[12,906,907],{},"WealthShare 富享目前規劃了三個核心模組：",[180,909,910,916,922],{},[45,911,912,915],{},[48,913,914],{},"課程學習","：涵蓋商業理財、職場技能、語言學習、自我成長與興趣愛好五大類別，從投資、房產到職涯談判都有專業講師開課。",[45,917,918,921],{},[48,919,920],{},"講師分潤","：我們與講師約定明確的分潤比例，讓專業被合理定價，也讓好內容被持續產出。",[45,923,924,927],{},[48,925,926],{},"社群交流","：未來將開放學員與講師之間的問答互動，讓學習不只是單向觀看影片。",[16,929,930],{"id":930},"現階段的狀態",[12,932,933],{},"老實說，平台目前仍在早期階段。金流與購課功能即將推出，現在你看到的課程頁面與講師介紹，是為了讓大家提前認識平台上的內容與講師陣容。我們選擇公開透明地說明目前的進度，而不是等一切完美才上線，因為我們相信持續迭代才是把產品做好的方式。",[65,935,936],{},[12,937,938],{},"「與其閉門造車做出一個自以為完美的產品，不如儘早讓真實使用者看見我們在做什麼，並且誠實地說明哪些還沒完成。」",[16,940,941],{"id":941},"接下來的計畫",[12,943,944],{},"未來幾週，我們會陸續開放正式購課、收藏課程、學習進度追蹤等功能。也歡迎有理財、職涯或興趣領域專業的你，透過講師招募說明會了解如何在 WealthShare 富享開課。",[12,946,947],{},"謝謝每一位在這個階段就選擇信任我們的講師與學員，我們正在一起把這件事做好。",{"title":77,"searchDepth":78,"depth":78,"links":949},[950,951,952,953],{"id":898,"depth":78,"text":898},{"id":904,"depth":78,"text":904},{"id":930,"depth":78,"text":930},{"id":941,"depth":78,"text":941},"\u002Fimages\u002Farticles\u002Fplatform-launch.webp","2026-07-01","WealthShare 富享正式與大家見面，一個由講師與學員共同打造的理財教育平台。",{},"\u002Farticles\u002Fplatform-launch",{"title":890,"description":956},"platform-launch","articles\u002Fplatform-launch","-4t_A6TtsDQsPyARBWNWUXoLe9Pzkd4bjZWTXJ0rZAo",{"id":964,"title":965,"author":167,"body":966,"category":258,"cover":1034,"date":1035,"description":1036,"extension":92,"meta":1037,"navigation":94,"path":1038,"seo":1039,"slug":1040,"stem":1041,"__hash__":1042},"articles\u002Farticles\u002Frefund-policy-explained.md","退費機制一次說清楚",{"type":9,"value":967,"toc":1026},[968,971,974,977,988,991,994,997,1000,1003,1006,1009,1014,1017,1020],[12,969,970],{},"購買線上課程之前，多數人最在意的問題之一就是「不滿意能不能退費」。這篇文章整理 WealthShare 富享目前規劃的退費機制，讓你購課前心裡有底。",[16,972,973],{"id":973},"一般課程的退費規則",[12,975,976],{},"對於一般課程、限時優惠課程與體驗課，我們規劃提供合理的猶豫期退費機制：",[180,978,979,982,985],{},[45,980,981],{},"購買後若尚未觀看課程內容，或觀看比例低於一定門檻，可在購買後的一段期限內申請全額退費。",[45,983,984],{},"若已完整觀看大部分章節，將視個案狀況評估退費金額，避免制度被濫用而影響講師權益。",[45,986,987],{},"退費申請將透過客服信箱處理，並於審核通過後的合理天數內完成退款。",[12,989,990],{},"我們理解退費機制對消費者保護的重要性，因此會在正式上線金流功能時，同步公告更詳細的退費規範與申請表單。",[16,992,993],{"id":993},"募資課程的退費規則",[12,995,996],{},"募資課程的性質與一般課程不同，因此退費邏輯也不一樣：",[20,998,999],{"id":999},"募資成功的情況",[12,1001,1002],{},"若課程在期限內達到募資目標，講師將依照公告的時程進行錄製與上架。若最終課程內容與募資頁面描述有重大出入，學員可申請退費。",[20,1004,1005],{"id":1005},"募資失敗的情況",[12,1007,1008],{},"若課程未在期限內達到募資目標，代表課程不會開課，這種情況下，所有已付款的學員將獲得全額退款，不需要額外申請，平台會主動處理退款作業。",[65,1010,1011],{},[12,1012,1013],{},"募資課程本質上是一種「先有需求驗證，再投入製作」的模式，我們認為募資失敗時主動退款，是對支持者最基本的誠信。",[16,1015,1016],{"id":1016},"目前的階段性提醒",[12,1018,1019],{},"由於平台金流功能仍在準備階段，現階段所有課程頁面的購買按鈕暫不開放實際結帳，因此也還沒有實際退費案例發生。我們會在金流功能正式上線前，公告完整的退費條款文件，讓每一筆交易都清楚透明。",[12,1021,1022,1023,1025],{},"如對退費機制有任何疑問，歡迎先寫信至 ",[247,1024,250],{"href":249}," 詢問，我們會盡快回覆。",{"title":77,"searchDepth":78,"depth":78,"links":1027},[1028,1029,1033],{"id":973,"depth":78,"text":973},{"id":993,"depth":78,"text":993,"children":1030},[1031,1032],{"id":999,"depth":83,"text":999},{"id":1005,"depth":83,"text":1005},{"id":1016,"depth":78,"text":1016},"\u002Fimages\u002Farticles\u002Frefund-policy-explained.webp","2026-06-25","說明 WealthShare 富享針對一般課程與募資課程的退費規則與申請方式。",{},"\u002Farticles\u002Frefund-policy-explained",{"title":965,"description":1036},"refund-policy-explained","articles\u002Frefund-policy-explained","JYksblF9W3it8hL5KyPTPFcjoEhLvX5rtabc3yHFwCU",{"id":1044,"title":1045,"author":1046,"body":1047,"category":88,"cover":1114,"date":1115,"description":1116,"extension":92,"meta":1117,"navigation":94,"path":1118,"seo":1119,"slug":1120,"stem":1121,"__hash__":1122},"articles\u002Farticles\u002Fretirement-4-percent.md","4% 法則在 2026 還適用嗎？","lin-pin-yan",{"type":9,"value":1048,"toc":1105},[1049,1052,1056,1059,1062,1065,1068,1071,1074,1077,1080,1083,1088,1091,1102],[12,1050,1051],{},"只要談到提早退休或退休金規劃，幾乎一定會遇到「4% 法則」這個名詞。但這條誕生於三十年前的美國研究結論，放到今天的環境，真的還能直接套用嗎？",[16,1053,1055],{"id":1054},"_4-法則是什麼","4% 法則是什麼",[12,1057,1058],{},"4% 法則源自於一項針對美股與美債歷史報酬的研究，結論是：若退休後每年從投資組合中提領第一年金額的 4%，並依通膨微調，在多數歷史情境下，資產可以撐過 30 年而不會提前用盡。簡單來說，只要你準備的退休資產是年支出的 25 倍，理論上就能支撐長期提領。",[16,1060,1061],{"id":1061},"為什麼會有人質疑",[20,1063,1064],{"id":1064},"低利率環境的影響",[12,1066,1067],{},"原始研究奠基於特定時期的股債報酬組合，若未來十年的預期報酬率低於歷史平均，用同樣的 4% 提領率，資產耗盡的風險就會提高。",[20,1069,1070],{"id":1070},"通膨與長壽風險",[12,1072,1073],{},"現代人壽命更長，退休期間可能超過 30 年，加上近年通膨波動較大，都讓固定提領率的假設面臨更多不確定性。",[20,1075,1076],{"id":1076},"台灣情境的差異",[12,1078,1079],{},"4% 法則的原始數據來自美國市場，台灣投資人若持有不同的資產組合、面對不同的稅制與公共年金制度，套用時也需要做在地化的調整。",[16,1081,1082],{"id":1082},"我對這個法則的看法",[65,1084,1085],{},[12,1086,1087],{},"4% 法則的價值不在於給你一個精確答案，而在於提供一個「用倍數思考退休需求」的簡單框架。",[12,1089,1090],{},"我會建議把 4% 當作起點，而不是終點。實務上更保守的做法，是搭配以下幾個調整：",[180,1092,1093,1096,1099],{},[45,1094,1095],{},"評估自己的資產配置能否支撐更長的退休期間，必要時採用 3.5% 甚至更保守的提領率",[45,1097,1098],{},"保留彈性支出項目，在市場表現不佳的年度主動降低提領金額",[45,1100,1101],{},"將勞保、勞退等公共年金納入整體現金流規劃，降低對投資組合提領的依賴",[12,1103,1104],{},"4% 法則仍然是一個值得認識的退休規劃工具，但真正負責任的做法，是理解它背後的假設，並依照自己的實際情況調整，而不是把它當成一個放諸四海皆準的公式。",{"title":77,"searchDepth":78,"depth":78,"links":1106},[1107,1108,1113],{"id":1054,"depth":78,"text":1055},{"id":1061,"depth":78,"text":1061,"children":1109},[1110,1111,1112],{"id":1064,"depth":83,"text":1064},{"id":1070,"depth":83,"text":1070},{"id":1076,"depth":83,"text":1076},{"id":1082,"depth":78,"text":1082},"\u002Fimages\u002Farticles\u002Fretirement-4-percent.webp","2026-06-10","4% 法則仍是實用的退休規劃起點，但套用前必須理解它背後的假設與限制。",{},"\u002Farticles\u002Fretirement-4-percent",{"title":1045,"description":1116},"retirement-4-percent","articles\u002Fretirement-4-percent","zfclI28AoghfpXMuT2pM0mBjjAQxWrHXHtkZyzBRzB8",{"id":1124,"title":1125,"author":1126,"body":1127,"category":154,"cover":1202,"date":1203,"description":1204,"extension":92,"meta":1205,"navigation":94,"path":1206,"seo":1207,"slug":1208,"stem":1209,"__hash__":1210},"articles\u002Farticles\u002Fsalary-negotiation.md","談薪水前，先算出你的市場價","chiang-yu-feng",{"type":9,"value":1128,"toc":1196},[1129,1132,1135,1138,1141,1161,1165,1168,1182,1185,1188,1193],[12,1130,1131],{},"我當人資主管的那些年，看過太多求職者在薪資談判桌上，明明能力不差，卻因為不了解自己的市場行情，白白少談了一大截薪水。談判技巧固然重要，但真正決定你談判籌碼的，往往是談判前做的功課。",[16,1133,1134],{"id":1134},"為什麼多數人不知道自己的市場價",[12,1136,1137],{},"大部分人對薪資的認知，來自於「上一份工作的薪水加一點」，而不是「這個職位在市場上真正值多少錢」。這種思維會讓你的薪資成長速度，永遠被自己過去的起薪綁架。",[16,1139,1140],{"id":1140},"該怎麼查市場行情",[42,1142,1143,1149,1155],{},[45,1144,1145,1148],{},[48,1146,1147],{},"產業薪資調查報告","：許多人力銀行與顧問公司會定期發布特定產業與職位的薪資範圍，是相對客觀的起點。",[45,1150,1151,1154],{},[48,1152,1153],{},"同業交流與人脈打聽","：透過信任的前同事、同業社群，了解類似職位的實際薪資範圍，通常比報告更貼近現實。",[45,1156,1157,1160],{},[48,1158,1159],{},"實際投遞履歷測試水溫","：適度接觸市場上的其他機會，可以直接得到最真實的薪資報價，作為談判參考基準。",[16,1162,1164],{"id":1163},"拆解-offer-的完整組成","拆解 Offer 的完整組成",[12,1166,1167],{},"薪資談判不該只看月薪數字，完整的報酬組成通常包含：",[180,1169,1170,1173,1176,1179],{},[45,1171,1172],{},"本薪與獎金結構",[45,1174,1175],{},"年終與績效獎金的計算方式",[45,1177,1178],{},"股票或選擇權等長期激勵",[45,1180,1181],{},"福利與津貼，例如保險、教育訓練補助",[12,1183,1184],{},"只比較單一數字，很容易在整體評估上失真。",[16,1186,1187],{"id":1187},"談判時機的選擇",[65,1189,1190],{},[12,1191,1192],{},"談判籌碼最強的時刻，往往不是在職滿一年的例行考核，而是在你手握其他 Offer，或是即將完成一個重大專案交付成果的時候。",[12,1194,1195],{},"實務上，我建議把薪資談判當成一個持續累積的過程，而不是臨時抱佛腳的單次事件：平時就整理自己的成果證據，定期關注市場行情變化，並在關鍵時機提出清楚、有數據支撐的訴求。談判不是要對方讓步，而是雙方基於事實，找到一個彼此都能接受的合理區間。當你手上有足夠的市場數據，談判時的底氣自然會不一樣。",{"title":77,"searchDepth":78,"depth":78,"links":1197},[1198,1199,1200,1201],{"id":1134,"depth":78,"text":1134},{"id":1140,"depth":78,"text":1140},{"id":1163,"depth":78,"text":1164},{"id":1187,"depth":78,"text":1187},"\u002Fimages\u002Farticles\u002Fsalary-negotiation.webp","2026-05-28","薪資談判的第一步不是話術，而是掌握足夠的市場行情數據。",{},"\u002Farticles\u002Fsalary-negotiation",{"title":1125,"description":1204},"salary-negotiation","articles\u002Fsalary-negotiation","7UCL0GbSzf0wfgz74VSY4xNyvgCGweMrK-Wy6SECla8",{"id":1212,"title":1213,"author":1214,"body":1215,"category":88,"cover":1278,"date":1279,"description":1280,"extension":92,"meta":1281,"navigation":94,"path":1282,"seo":1283,"slug":1284,"stem":1285,"__hash__":1286},"articles\u002Farticles\u002Fvalue-vs-growth.md","價值股與成長股，新手該選哪一邊？","shen-yao-an",{"type":9,"value":1216,"toc":1269},[1217,1220,1223,1226,1229,1232,1235,1238,1241,1244,1247,1250,1253,1261,1266],[12,1218,1219],{},"每次開課的第一堂問答，幾乎都會有學員問我：「老師，我應該買價值股還是成長股？」這個問題背後，其實藏著一個更根本的問題——你了解自己的投資性格嗎？",[16,1221,1222],{"id":1222},"價值股在買什麼",[12,1224,1225],{},"價值投資的核心，是尋找股價低於企業內在價值的公司。這類公司通常已經有穩定的獲利與現金流，成長速度不快，但本益比或股價淨值比相對便宜，股息殖利率也常常比較高。買價值股，本質上是在買「便宜」與「安全邊際」。",[16,1227,1228],{"id":1228},"成長股在買什麼",[12,1230,1231],{},"成長股則相反，投資人願意用較高的本益比，去買一家公司未來高速成長的可能性。這類公司通常把獲利大量再投資於擴張，短期帳面獲利不一定亮眼，但市場願意給予更高的評價倍數，賭的是未來的規模與市占率。",[16,1233,1234],{"id":1234},"兩者的風險本質不同",[20,1236,1237],{"id":1237},"價值股的風險",[12,1239,1240],{},"價值股最大的風險是「價值陷阱」——股價便宜不是因為被低估，而是因為公司的基本面正在真實惡化，便宜只是反映了衰退中的事實。",[20,1242,1243],{"id":1243},"成長股的風險",[12,1245,1246],{},"成長股的風險則在於「成長不如預期」。一旦市場對成長性的樂觀預期落空，股價評價倍數會迅速收縮，跌幅往往比價值股劇烈。",[16,1248,1249],{"id":1249},"你該怎麼選",[12,1251,1252],{},"我自己的建議是，不要把這當成二選一的單選題，而要回到兩個問題：",[180,1254,1255,1258],{},[45,1256,1257],{},"你能承受多大幅度的股價波動，而不會恐慌性賣出？",[45,1259,1260],{},"你的資金預計持有多久，能不能撐過一次完整的景氣循環？",[65,1262,1263],{},[12,1264,1265],{},"「投資不是預測市場，而是理解生意。」不管是價值股還是成長股，你都必須先看懂這家公司的商業模式，而不是只看股價的漲跌。",[12,1267,1268],{},"對於剛入門的新手，我通常建議先從自己看得懂的產業與商業模式入手，價值股或成長股都可以是好的起點，重點是你是否真的理解你買進的原因，而不是跟風追逐市場當下最熱門的敘事。長期而言，紀律與理解程度，遠比選對哪一種股票風格更重要。",{"title":77,"searchDepth":78,"depth":78,"links":1270},[1271,1272,1273,1277],{"id":1222,"depth":78,"text":1222},{"id":1228,"depth":78,"text":1228},{"id":1234,"depth":78,"text":1234,"children":1274},[1275,1276],{"id":1237,"depth":83,"text":1237},{"id":1243,"depth":83,"text":1243},{"id":1249,"depth":78,"text":1249},"\u002Fimages\u002Farticles\u002Fvalue-vs-growth.webp","2026-06-18","兩種投資哲學沒有絕對優劣，關鍵是認清自己的持有週期與風險承受度。",{},"\u002Farticles\u002Fvalue-vs-growth",{"title":1213,"description":1280},"value-vs-growth","articles\u002Fvalue-vs-growth","Hkpi33cDFJHZSmLo4aiTnL2OxOiYDhsQz08WjHbDhcU",[1288,1305,1320,1336,1352,1367,1381,1395,1411,1426],{"id":1289,"title":1290,"avatar":1291,"bio":1292,"category":1293,"expertise":1294,"extension":1300,"featured":94,"meta":1301,"name":1302,"slug":425,"stem":1303,"__hash__":1304},"instructors\u002Finstructors\u002Fai-lin-chang.yml","財經英文講師","\u002Fimages\u002Finstructors\u002Fai-lin-chang.webp","旅居新加坡多年，曾任外商銀行財富管理部門的雙語文件編譯與教育訓練講師逾十年，熟悉國際財經新聞、法說會英文與投資文件用語，也長期協助跨國團隊翻譯年報與法說會逐字稿。她發現許多台灣投資人卡在英文財經詞彙，因此設計出以真實新聞與財報為教材的精讀課程，並整理出一份涵蓋兩百個核心詞彙的財經英文字庫，讓學員不必死背單字，也能看懂國際財經媒體與外資報告，甚至能自信參與英語法說會的問答環節。","語言學習",[1295,1296,1297,1298,1299],"財經英文","商業英文","新聞精讀","口說訓練","國際投資用語","yml",{},"艾琳・張","instructors\u002Fai-lin-chang","BnJp3nN37jeVraP1rqsPOEo8avVgPGkVIXJu1lqxxN8",{"id":1306,"title":1307,"avatar":1308,"bio":1309,"category":1310,"expertise":1311,"extension":1300,"featured":94,"meta":1316,"name":1317,"slug":7,"stem":1318,"__hash__":1319},"instructors\u002Finstructors\u002Fbai-jhou.yml","藝術收藏顧問","\u002Fimages\u002Finstructors\u002Fbai-jhou.webp","曾任藝廊策展與拍賣行顧問十年，經手當代藝術與版畫收藏交易逾三百件，也協助多位收藏家規劃跨國拍賣競標策略，現為獨立藝術收藏顧問。他認為藝術收藏不該只是有錢人的遊戲，一般收入的愛好者也能從版畫、限量印刷與新銳藝術家作品切入，建立兼具美感與保值潛力的收藏。他常提醒學員留意版次、簽名與保存狀況等鑑價細節，課程著重收藏邏輯與市場判斷，而非單純的藝術史講述，目標是讓學員買得懂、也賣得掉。","興趣愛好",[1312,1313,1314,1315],"藝術收藏","拍賣市場","版畫投資","藝術品鑑價",{},"白晝","instructors\u002Fbai-jhou","MC8PpR05PdYqGl1k0c2KgCnAWymDDH4IOSwKrIuE4LU",{"id":1321,"title":1322,"avatar":1323,"bio":1324,"category":1325,"expertise":1326,"extension":1300,"featured":94,"meta":1332,"name":1333,"slug":1126,"stem":1334,"__hash__":1335},"instructors\u002Finstructors\u002Fchiang-yu-feng.yml","高收入職涯教練","\u002Fimages\u002Finstructors\u002Fchiang-yu-feng.webp","曾任跨國企業人資主管逾十五年，參與超過千場薪資談判與績效評估作業，也主導過多次組織重整與人才留任專案，離職後轉為職涯教練，專門協助上班族突破薪資天花板。他擅長拆解企業的加薪與晉升邏輯，教學員用數據與市場行情替自己談出更好的待遇，開發的「談薪劇本演練法」已協助超過八百名學員在一次面談中平均爭取到一成以上的加薪幅度。他也長期研究斜槓與第二收入模式，鼓勵學員建立不依賴單一雇主的收入結構，打造屬於自己的職涯安全網。","職場技能",[1327,1328,1329,1330,1331],"薪資談判","職涯規劃","個人品牌","第二收入","履歷面試",{},"江御風","instructors\u002Fchiang-yu-feng","Z19Hy0g5uQ7e4gHlxtEyeH_BIIxEzUgbsaUn41v7K48",{"id":1337,"title":1338,"avatar":1339,"bio":1340,"category":1341,"expertise":1342,"extension":1300,"featured":94,"meta":1348,"name":1349,"slug":529,"stem":1350,"__hash__":1351},"instructors\u002Finstructors\u002Fhsu-cheng-han.yml","房地產投資分析師","\u002Fimages\u002Finstructors\u002Fhsu-cheng-han.webp","從代銷業務起步，十年間累積超過兩百件不動產交易與租賃管理實務經驗，現為獨立房產投資分析師，也經營一個專門拆解實價登錄數據的分析平台。他擅長用現金流與報酬率拆解一間房子的真實價值，設計出「租金投報試算表」協助學員快速判斷物件是否值得出手，也協助首購族避開議價與貸款陷阱，帶領包租族學習租客篩選與物件管理。他常說：房子先是一門生意，才是一個家的想像，唯有算清楚數字，才有資格談喜歡不喜歡。","商業理財",[1343,1344,1345,1346,1347],"房產投資","租賃管理","貸款規劃","議價談判","物件估價",{},"許承翰","instructors\u002Fhsu-cheng-han","KR4QPu3YIkbSLiLLWcCn5DiYvTS_Qq89L6NBOeTbj_U",{"id":1353,"title":1354,"avatar":1355,"bio":1356,"category":1341,"expertise":1357,"extension":1300,"featured":94,"meta":1363,"name":1364,"slug":344,"stem":1365,"__hash__":1366},"instructors\u002Finstructors\u002Fkao-tzu-ching.yml","ETF 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FIRE（提早退休）社群的長期實踐者與分享者，四十二歲便達成財務自由並提早離開職場，親身驗證資產配置與提領率規劃的可行性。",[1373,1359,1374,1375,1376],"退休金規劃","保險規劃","現金流管理","FIRE 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