{
    "id": "PRT-026",
    "category": "PRT",
    "title": "帳戶費用拖累",
    "question": "傭金、平台費與融資費對我的成果影響多少？",
    "chart": "waterfall",
    "metric": "實際費用（記帳幣）",
    "secondary": "費用佔平均淨值（%）",
    "x": "費用類型",
    "y": "實際費用（記帳幣）",
    "panels": [
        "費用類型瀑布",
        "費率與期間",
        "可核對帳目"
    ],
    "filters": [
        "投資帳戶",
        "分析期間",
        "記帳幣別"
    ],
    "apis": [
        "EOD",
        "FX",
        "USER"
    ],
    "calculation": "彙總用戶入帳各類費用並除期間日均淨值；基金內含費用另作說明不重複計入。",
    "caveat": "需要用戶的持倉／交易／現金流或情境設定；EODHD 不提供券商帳戶。不能從價格 API 反推出個人傭金；匯差等隱含成本只有可信成交對照才估計。",
    "data_class": "用戶資料",
    "complexity": "中",
    "audience": "進階",
    "reach": 8,
    "frequency": 8,
    "decision": 9,
    "clarity": 9,
    "sample_labels": [
        "傭金",
        "平台費",
        "融資利息",
        "換匯費",
        "其他"
    ],
    "cadence": "每日收市及用戶交易更新後",
    "sample_note": "僅用於合成視覺示意，並非真實行情或投資成果。",
    "category_name": "投資組合",
    "score": 83.5,
    "requires_user_input": true,
    "requires_extra_plan": false,
    "source_urls": [
        "https://eodhd.com/financial-apis/api-for-historical-data-and-volumes",
        "https://eodhd.com/financial-apis/list-supported-forex-currencies"
    ],
    "rank": 249,
    "stage": "P2",
    "svg_file": "mockups/0249-PRT-026.svg",
    "demo_fingerprint": "3b8f4d34e5e69815",
    "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
        }
    }
}