Finance PhD Insights
Finance PhD Having Chien, Quant Blade, arthurzllu如果你喜歡我在粉專 @financephdhavingchien 的內容，這裡你會看到更深入的分析與我不在社群平台上公開的觀點。每週不定期篇幅，幫你建立對金融市場的科普知識，不只是「今天漲跌」，而是「為什麼這樣動」。
| Platform |  | Pricing | Only free issues | Publishes | Daily |
|---|---|---|---|---|---|
| Issues | 218 | Founded | a year ago | Last Issue | 7 days ago |
| Active | Language |  ZH-TW | |||
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從 SMIF 這三年趨勢看投資教育
0.引言
我因為指導或即將指導學生管理基金的緣故，已經連續參加三年的SMIF Conference。如果說要我把這三年的變化放在一起看，我會個人說SMIF 正在從「選股模擬俱樂部」，慢慢走向「小型資產管理團隊」。
2024 年，重點是公司研究與估值。
2025 年，開始出現基準比較的意識與核心ETF配置。
2026 年，則更明顯走向產業ETF、Smart Beta、複合基準與Top-Down配置。
這個演進其實還有趣的。因為學生一開始需要學著分析公司。當他們真...
高股息 ETF 能當退休薪水嗎？
點擊圖片連結至博客來購書網站
0.引言
最近我為一本談退休提領的新書寫推薦序。讀到書稿時，我比較有感的一點是：退休規劃的難題，不單單只是「我們在累積期要存多少錢」，還包括「存到的錢，要怎麼安心花」。
在資產累積期，我們習慣談報酬率、資產配置、長期持有、紀律投資。這些當然重要，因為沒有累積，就沒有後面的提領。但一旦真的進入退休或半退休階段，問題會變得更貼近日常也更複雜，像是：每個月生活費從哪裡來？市場下跌時還能不能領？如果退休初期就遇到股災，原本規劃好的現金流能不能...
S&P 500 Sectors 強勢股
✏️點擊 2026 August 連結
0. 引言：九月市場回顧
2026 年九月，美股延續高檔震盪，但市場結構較八月出現新的變化。從近四週強勢股觀察，資金仍集中在少數高動能個股，但領漲主軸由八月的醫療保健與科技高動能行情，進一步擴散到通訊服務、資訊科技、醫療保健與工業板塊。其中 META 近四週上漲 41.52%，成為通訊服務板塊最明顯的領漲股；資訊科技則由 INTC、CRWD、AMD 帶動，四週漲幅皆超過 30%；醫療保健延續 MRNA 的強勢，四週、十三週與...
「折現偏誤」讓我選擇少賺利息?!
0.引言
我搬到Big Rapids已經一陣子了。這裡的秋天不太長，風一吹過來，就已經能感受到五大湖區冬天那不講理的寒意。
剛入職第一週，我電子郵件裡就躺著一封HR寄來的公事信件。學校的教職義務契約是九個月。因為美加大學的發薪慣例通常是雙週發放（Bi-weekly），所以人資給了我兩個選項：
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分成20期發放：在學期進行的九個月內全數領完。每次入帳的支票金額比較豐厚，但一到暑假，系統自動停發，帳戶完全零進帳。
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分成26期發放：把九個月的應領薪資...
有QQQI就能安心退休嗎？
0.引言
前陣子看到 Terry 談高配息 ETF 的影片，一句「存到一萬股，就可以原地退休」，說得我也很心動。每個月有現金入帳，退休後是不是就不用擔心市場大跌，也不用在低點賣股票支付生活費？
剛好也同時有小夥伴來問我：像QQQI、SPYI 這類運用選擇權策略的基金，能不能克服退休時的「報酬順序風險」？小夥伴陳述他的想法是，當市場下跌時，基金仍可以收到選擇權權利金；甚至是當波動加劇時，權利金甚至可能提高。假如只配置四成資產，現金分配就足以支應相當於總資產4% 的年度...
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Authors
The writers behind this newsletter.
Quant blade uses measurement methods to measure chip surface, fundamentals, technical aspects and other factors, and finds the effective characteristics of factors in the stocks market.
CS Ph.D. | Financial Engineering • Portfolio Management • Quant Trading | Writing for a better financial future.
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