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	<title>賺錢熊</title>
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	<link>https://earningkoala.com</link>
	<description>分享金融規劃與穩健投資</description>
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		<title>【貨幣市場基金是什麼？】什麽人適合購買貨幣市場基金？</title>
		<link>https://earningkoala.com/money-market-fund/</link>
					<comments>https://earningkoala.com/money-market-fund/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Mon, 19 Jan 2026 13:31:02 +0000</pubDate>
				<category><![CDATA[理財]]></category>
		<category><![CDATA[貨幣市場基金]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=777</guid>

					<description><![CDATA[<p>經常聽説人們說貨幣市場基金，到底是什麽來的？將閑錢放到貨幣市場基金收取利息是否正確？在這篇文章賺錢熊將會以簡單 [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/money-market-fund/">【貨幣市場基金是什麼？】什麽人適合購買貨幣市場基金？</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
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		<title>【2026香港IB開戶教學】10分鐘IB盈透證券開戶｜最詳細IB教學</title>
		<link>https://earningkoala.com/open-ib-account/</link>
					<comments>https://earningkoala.com/open-ib-account/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Sat, 17 Jan 2026 01:44:32 +0000</pubDate>
				<category><![CDATA[IB 盈透證券]]></category>
		<category><![CDATA[IB]]></category>
		<category><![CDATA[美股開戶]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=77</guid>

					<description><![CDATA[<p>在這篇文章，賺錢熊會以淺白詳細的方式向大家展示完整的香港IB開戶教學，讓大家了解如何在香港開設IB盈透證券戶口 [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/open-ib-account/">【2026香港IB開戶教學】10分鐘IB盈透證券開戶｜最詳細IB教學</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<title>【QQQM是什麽】一文講解清楚 QQQ 和 QQQM的分別&#124;長期投資者應該選哪一個？</title>
		<link>https://earningkoala.com/etf-qqq-vs-qqqm/</link>
					<comments>https://earningkoala.com/etf-qqq-vs-qqqm/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Sun, 16 Nov 2025 08:41:26 +0000</pubDate>
				<category><![CDATA[ETF教學]]></category>
		<category><![CDATA[美股投資]]></category>
		<category><![CDATA[ETF]]></category>
		<category><![CDATA[QQQM]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=849</guid>

					<description><![CDATA[<p>QQQ 和 QQQM是什麽？相信大家正學習投資的時候都知道指數型ETF——QQQ是什麽，但是你又有沒有聽過QQ [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/etf-qqq-vs-qqqm/">【QQQM是什麽】一文講解清楚 QQQ 和 QQQM的分別|長期投資者應該選哪一個？</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<title>【從諾貝爾基金會學到】過分保守投資等於慢性自殺 &#124; 長期投資的警示</title>
		<link>https://earningkoala.com/overcautious_nobal_prize/</link>
					<comments>https://earningkoala.com/overcautious_nobal_prize/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Sun, 26 Oct 2025 07:40:49 +0000</pubDate>
				<category><![CDATA[理財]]></category>
		<category><![CDATA[投資必須了解]]></category>
		<category><![CDATA[風險]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=807</guid>

					<description><![CDATA[<p>許多人以為「保守投資」就是安全的代名詞，認為與其冒險，不如選擇穩健保本的產品，確保自己有穩妥的收益。但是如果過 [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/overcautious_nobal_prize/">【從諾貝爾基金會學到】過分保守投資等於慢性自殺 | 長期投資的警示</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<title>【貨幣市場基金的風險】貨幣基金的「隱藏」風險：它真的會讓你「血本無歸」嗎？</title>
		<link>https://earningkoala.com/money-market-fund-risk/</link>
					<comments>https://earningkoala.com/money-market-fund-risk/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Wed, 22 Oct 2025 14:00:19 +0000</pubDate>
				<category><![CDATA[理財]]></category>
		<category><![CDATA[貨幣市場基金]]></category>
		<category><![CDATA[風險]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=792</guid>

					<description><![CDATA[<p>在上一篇文章，賺錢熊介紹了什麽是貨幣市場基金，知道它是低風險和高流動性，但是卻沒有提及它的風險，這代表沒有風險 [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/money-market-fund-risk/">【貨幣市場基金的風險】貨幣基金的「隱藏」風險：它真的會讓你「血本無歸」嗎？</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<title>【理財#2】收入分配黃金比例｜香港輕鬆儲錢｜持續儲蓄計劃</title>
		<link>https://earningkoala.com/financial-management-income-allocation/</link>
					<comments>https://earningkoala.com/financial-management-income-allocation/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Sat, 23 Aug 2025 15:38:51 +0000</pubDate>
				<category><![CDATA[理財]]></category>
		<category><![CDATA[風險]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=712</guid>

					<description><![CDATA[<p>為了有效的增加我們的資產，我們必須要有系統地分配我們的收入。 《有錢人想的和你不一樣》的作者哈福艾克（T.Ha [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/financial-management-income-allocation/">【理財#2】收入分配黃金比例｜香港輕鬆儲錢｜持續儲蓄計劃</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<title>【什麼是HIBOR拆息】什麼導致HIBOR升跌｜HIOBR對普通大眾的影響</title>
		<link>https://earningkoala.com/learning-note-what-is-hibor/</link>
					<comments>https://earningkoala.com/learning-note-what-is-hibor/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Sun, 03 Aug 2025 14:20:35 +0000</pubDate>
				<category><![CDATA[市場觀察]]></category>
		<category><![CDATA[HIBOR]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=701</guid>

					<description><![CDATA[<p>新聞上常常提到HIBOR、拆息，那麼什麼是HIBOR，什麼會影響HIBOR的升跌，對我們普通市民來說重要嗎？  [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/learning-note-what-is-hibor/">【什麼是HIBOR拆息】什麼導致HIBOR升跌｜HIOBR對普通大眾的影響</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<item>
		<title>【應急基金】該存多少、放哪裡？建立你的經濟安全網</title>
		<link>https://earningkoala.com/financial-management-emergency-fund/</link>
					<comments>https://earningkoala.com/financial-management-emergency-fund/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Sun, 22 Jun 2025 14:19:03 +0000</pubDate>
				<category><![CDATA[理財]]></category>
		<category><![CDATA[應急基金]]></category>
		<category><![CDATA[風險管理]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=689</guid>

					<description><![CDATA[<p>我們可以確保我們的一生中永遠都不會失業、不會遇到意外、不會生病嗎？答案顯然是不能。我們無法知道未來將會發生什麼 [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/financial-management-emergency-fund/">【應急基金】該存多少、放哪裡？建立你的經濟安全網</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<item>
		<title>【股息#3】股息陷阱！小心把你的本金虧沒了｜識別股息陷阱</title>
		<link>https://earningkoala.com/dividend-dividend-trap/</link>
					<comments>https://earningkoala.com/dividend-dividend-trap/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Wed, 18 Jun 2025 14:35:09 +0000</pubDate>
				<category><![CDATA[美股投資]]></category>
		<category><![CDATA[股息]]></category>
		<category><![CDATA[投資]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=678</guid>

					<description><![CDATA[<p>我們買入股息便是期待股票會定期發放股息，好像買樓收租一樣，產生穩定現金流。但是要小心一些股票會打著高股息的名號 [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/dividend-dividend-trap/">【股息#3】股息陷阱！小心把你的本金虧沒了｜識別股息陷阱</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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		<item>
		<title>【IB詐騙注意】小心IB釣魚SMS｜中了IB釣魚陷阱該如何自救 ｜盈透證券｜釣魚短訊</title>
		<link>https://earningkoala.com/interactive-broker-phishing-sms-prevention/</link>
					<comments>https://earningkoala.com/interactive-broker-phishing-sms-prevention/#respond</comments>
		
		<dc:creator><![CDATA[賺錢熊]]></dc:creator>
		<pubDate>Wed, 04 Jun 2025 15:25:34 +0000</pubDate>
				<category><![CDATA[IB 盈透證券]]></category>
		<category><![CDATA[美股券商]]></category>
		<category><![CDATA[IB]]></category>
		<category><![CDATA[投資]]></category>
		<category><![CDATA[詐騙]]></category>
		<guid isPermaLink="false">https://earningkoala.com/?p=665</guid>

					<description><![CDATA[<p>近日，IB盈透證券詐騙SMS 陷阱猖獗，不少人都反映收到這些IB釣魚的短訊，賺錢熊也在近日收到這些短訊，因此藉 [&#8230;]</p>
<p>The post <a rel="nofollow" href="https://earningkoala.com/interactive-broker-phishing-sms-prevention/">【IB詐騙注意】小心IB釣魚SMS｜中了IB釣魚陷阱該如何自救 ｜盈透證券｜釣魚短訊</a> appeared first on <a rel="nofollow" href="https://earningkoala.com">賺錢熊</a>.</p>
]]></description>
		
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