隨著經過Covid-19疫情四年多的洗禮，後疫情時代已悄然揭開序幕，正式進入到一個全新的時代環境裡，所有人的生活或多或少都被波及並且必須改變既有的型態及思維，但也順勢迎來了新的生活型態。過去的時代，已經歷長達15年以上的不斷降息的循環，而一次性的改變，如今讓時間又彷彿將倒回到金融海嘯以前。然而在過往的金融環境條件裡面，長時間的高利率、高利息定存並帶著無風險的狀態下，普遍的人們都會將手中既有的閒置資金放入銀行的定存裡，除了當作投資理財的一環之外，還能當作緊急備用金使用。然而隨著時光苒物換星移，疫情前的低利率環境是全世界皆需面臨的問題，除了要避免無限的通貨膨脹的發生，也要規避人們因只想存錢而不消費所產生的經濟蕭條情形。本研究將以普羅大眾只懂得使用銀行定存的作為基礎，或對於其他投資理財概念薄弱或只有一些基本要素，並以本研究所選出的單一海外投資級債券及台灣銀行定存做為比較準則，深入探討假設有一筆閒置資金且在特定時間內不會需要取出運用，選擇做為入門投資理財相關的規劃運用，是否除了以往過去的經驗外，還能有更好的選擇。本研究提出目前已面臨降息的訊號，在這個即將面臨到同樣降息的循環時，不考慮匯率波動的條件下並以1:30美元對臺幣的匯率作為計算基礎，購買海外機構所發行的投資等級債，比較定存及投資等級債兩者的報酬率及回本速度，並舉出兩者的差異性並作為入門理財投資的啟示。
After an extensive period of over four years Covid-19 pandemic, now we are officially embarking upon a post-pandemic era and entering a new life mode. The impact on everyone's lives has been undeniable. Hence, we must adjust our mindset and lifestyle to usher in an innovative way of living. We have experienced a cycle of continuous interest rate cuts for more than 15 years, and this significant change due to coronavirus makes time seem to be going back to before the financial tsunami. However, most people who are under the condition of long-term high-interest rates and high-interest fixed deposits with no risk would put their existing idle funds into the bank fixed deposit, which could be used as an emergency fund in addition to being a part of investment and financing management. As time passes, the low-interest rate environment before the pandemic is a problem facing the whole world. In addition to avoiding the occurrence of unlimited inflation, we also need to prevent the economic depression caused by people just wanting to save money instead of spending. This study will be based on the fact that people only know how to use bank fixed deposits and have no concept of other investment and financial management, and the single overseas investment grade bond and Taiwan bank fixed deposits will also be selected by this study as the comparison criteria to deeply explore and discuss the hypothesis: is there any better alternative to idle fund that will not be withdrawn and used within a specific time as entry-level investment and financial management? Since we are currently facing the signal of interest rate cuts, the exchange rate of 1:30 USD to Taiwan dollar will be used as the calculation basis to purchase investment-grade bonds issued overseas in this study and regardless of exchange rate fluctuations to compare the investment grade bonds and fixed deposits in terms of rate of return, speed of return and variability.
