{
    "id": "DIV-038",
    "category": "DIV",
    "title": "股息扣稅假設敏感度",
    "question": "不同扣稅假設會令我的年度可用收入相差多少？",
    "chart": "matrix",
    "metric": "稅費後年度收入（基準貨幣）",
    "secondary": "有效淨收益率（%）",
    "x": "USER 扣稅率（%）",
    "y": "USER 年費用",
    "panels": [
        "稅率費用矩陣",
        "稅前稅後差",
        "個人輸入明細"
    ],
    "filters": [
        "股票 / 持倉清單",
        "除淨 / 派付基準",
        "股息幣種"
    ],
    "apis": [
        "USER",
        "DIV",
        "FX"
    ],
    "calculation": "使用 USER 稅前股息、不同扣稅率及固定費用交叉計算，逐格顯示股息 ×（1−稅率）−費用。",
    "caveat": "稅率均由 USER 假設；不自動分配法定稅率或提供稅務居民判斷。；預覽數值全為合成示例，非即時行情。",
    "data_class": "用戶資料",
    "complexity": "中",
    "audience": "進階",
    "reach": 7,
    "frequency": 7,
    "decision": 9,
    "clarity": 9,
    "sample_labels": [
        "低扣稅",
        "中扣稅",
        "高扣稅",
        "低費用",
        "高費用"
    ],
    "cadence": "使用者修改持倉、核銷或情境時重算；每日更新已公告事件；有新增派息時重算",
    "category_name": "股息與股東回報",
    "score": 77.0,
    "requires_user_input": true,
    "requires_extra_plan": false,
    "source_urls": [
        "https://eodhd.com/financial-apis/api-splits-dividends",
        "https://eodhd.com/financial-apis/list-supported-forex-currencies"
    ],
    "rank": 402,
    "stage": "P2",
    "svg_file": "mockups/0402-DIV-038.svg",
    "demo_fingerprint": "c404e80c80a47d50",
    "collection": "catalogue",
    "sample_annotation": {
        "sample": true,
        "as_of": "2026-10-16",
        "notice": "Charts and tables for this report are generated, deterministic synthetic sample observations for educational layout and unit demonstration only. No provider, market data or analysis engine is called, and nothing here is a statement about real securities.",
        "notice_zh": "此報告的圖表與數據為確定性生成的合成示例數據，僅供教育及版面展示；並無連接任何資料供應商或實際分析引擎，不代表任何真實證券的表現。",
        "default_filters": {
            "symbol": "0700.HK",
            "period": "1Y",
            "benchmark": "HSI"
        },
        "filters": {
            "symbol": [
                "0700.HK",
                "0005.HK",
                "AAPL.US",
                "MSFT.US",
                "SPY.US",
                "BTC-USD.CC"
            ],
            "period": [
                "1Y",
                "3Y",
                "5Y"
            ],
            "benchmark": [
                "HSI",
                "SPX",
                "BTC"
            ]
        },
        "library": {
            "version": "2026-10-19",
            "source": "https://chatgpt.com/share/6ad67223-c610-83e8-adb2-33aaf792e584",
            "sample": true
        }
    }
}