1.0育群營養師https://www.dietitianyc.com育群營養師https://www.dietitianyc.com/index.php/author/admin/rich600338<blockquote class="wp-embedded-content" data-secret="Yn8LvP0XnF"><a href="https://www.dietitianyc.com/index.php/2022/07/14/vt-investment-and-portfolio-in-2021/">投資理財｜2021擁抱VT及投資配置</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://www.dietitianyc.com/index.php/2022/07/14/vt-investment-and-portfolio-in-2021/embed/#?secret=Yn8LvP0XnF" width="600" height="338" title="投資理財｜2021擁抱VT及投資配置 — 育群營養師" data-secret="Yn8LvP0XnF" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script> /*! This file is auto-generated */ !function(d,l){"use strict";l.querySelector&&d.addEventListener&&"undefined"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!/[^a-zA-Z0-9]/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),o=l.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),c=new RegExp("^https?:$","i"),i=0;i<o.length;i++)o[i].style.display="none";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute("style"),"height"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):"link"===t.message&&(r=new URL(s.getAttribute("src")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener("message",d.wp.receiveEmbedMessage,!1),l.addEventListener("DOMContentLoaded",function(){for(var e,t,s=l.querySelectorAll("iframe.wp-embedded-content"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute("data-secret"))||(t=Math.random().toString(36).substring(2,12),e.src+="#?secret="+t,e.setAttribute("data-secret",t)),e.contentWindow.postMessage({message:"ready",secret:t},"*")},!1)))}(window,document); //# sourceURL=https://www.dietitianyc.com/wp-includes/js/wp-embed.min.js </script> https://www.dietitianyc.com/wp-content/uploads/2022/07/pexels-lukas-669610-scaled.jpg25601696那麼投資配置是這樣的，本來想要VT+BNDW來配 （全球股市+全球債券），但看了一些文章分析說股市在下跌時，債券其實也跌不少（BNDW為公債+公司債），這樣對資產配置的保護效果較差，且殖利率低，所以有些人乾脆買VT+台幣定存。於此同時，我又看了一本書—華爾街不讓你知道的投資金律，該書作者是黃金投資的擁戴者，而作者的立論以及舉文獻佐證也蠻說服我的，黃金的確是自古以來保本抗通膨的選擇，因此決定不要太複雜，投資配置就決定VT加上黃金現貨（80:20)。