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<rss version="2.0"><channel><title>Market Edit 理財誌</title><link>https://dansism.com</link><description>股市分析與退休規劃：理財有據，生活有序。</description><language>zh-TW</language><item><title>勞保、勞退差在哪？先分清楚退休時的兩筆錢</title><link>https://dansism.com/articles/labor-insurance-vs-pension/</link><guid>https://dansism.com/articles/labor-insurance-vs-pension/</guid><description>勞保老年給付與勞退新制個人專戶是不同制度。用一張比較表，確認要查哪些資料、何時能領，以及如何列入退休預算。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>勞保勞退</category></item><item><title>勞保年資、勞退專戶怎麼查？退休前的資料核對清單</title><link>https://dansism.com/articles/pension-account-check/</link><guid>https://dansism.com/articles/pension-account-check/</guid><description>從勞保局官方入口查詢年資與專戶明細，核對薪資單、記下疑問，再使用官方試算。身分資料只在官方系統輸入。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>勞保勞退</category></item><item><title>退休一個月需要多少錢？從自己的生活費算起</title><link>https://dansism.com/articles/retirement-budget/</link><guid>https://dansism.com/articles/retirement-budget/</guid><description>把日常、年度和一次性支出分開，再對照可確認的退休收入。用明確假設算缺口，避免漏算通膨或重複計入資產。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>退休準備</category></item><item><title>ETF配息可以當退休生活費嗎？先看總報酬與配息來源</title><link>https://dansism.com/articles/dividend-etf-basics/</link><guid>https://dansism.com/articles/dividend-etf-basics/</guid><description>配息會影響基金淨值，高配息不等於高報酬。用假設例子看現金與市值的變化，再查配息組成和產品風險。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>ETF與現金流</category></item><item><title>快退休了，還適合定期定額嗎？先確認這筆錢何時要用</title><link>https://dansism.com/articles/regular-investing-before-retirement/</link><guid>https://dansism.com/articles/regular-investing-before-retirement/</guid><description>定期定額是分批投入的方法，不是退休保障。先區分近期生活費與長期資金，再檢查商品風險、扣款契約及可承受的損失。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>ETF與現金流</category></item><item><title>營收成長，現金卻變少？用三張表檢查公司的獲利</title><link>https://dansism.com/articles/revenue-profit-cashflow/</link><guid>https://dansism.com/articles/revenue-profit-cashflow/</guid><description>用一組假設財報，練習比較營收、毛利與營業現金流，找出需要回到財報附註查證的地方。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>股市分析</category></item><item><title>本益比怎麼看？先把每股盈餘的期間與假設寫清楚</title><link>https://dansism.com/articles/pe-ratio-worked-example/</link><guid>https://dansism.com/articles/pe-ratio-worked-example/</guid><description>本益比低就便宜嗎？用明確標示的假設數字，練習分辨歷史盈餘、預估盈餘與估值的限制。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>股市分析</category></item><item><title>買了幾檔ETF，真的有分散嗎？算出重疊持股與集中度</title><link>https://dansism.com/articles/etf-concentration-check/</link><guid>https://dansism.com/articles/etf-concentration-check/</guid><description>從官方持股表開始，用假設數字算出前幾大持股占比與跨ETF重疊部位，檢查資金集中在哪裡。</description><pubDate>Wed, 23 Sep 2026 00:00:00 +0000</pubDate><category>股市分析</category></item></channel></rss>