2022年美國升息，過去被視為避險工具的美債，受到升息影響，表現令投資人大失所望，連保險法人也因為債券價格重挫公司淨值大跌，其他債券價格波動不輸給股票，債券價格重挫後，投資價值浮現了嗎？

【若只有兩千-第39集-投資要像金魚一樣，忘了2022，「債」見2023】基金界高富帥、前貝萊德投信董事長及亞太區零售業務負責人張凌雲與基優網（Fundlover）白姐，在這集裡面特別分析2022年美國升息下，各類債券表現和展望明年投資機會。

台灣偏好配息基金，高收債和新興債券基金，一直是台灣投資人最愛，值得注意，再來債券若有表現，加上2023年全球經濟將放緩，信用評級較低的債券，尤其是高收債在經濟放緩和衰退下，恐違約率竄升，反倒是投資級公司債，目前不僅殖利率不少有5-6%或高達7%，財富管理銀行大賣蘋果、微軟或美國銀行等信用評級高的公司債。這種直接申購公司債是一種投資選項，但想要多元化投資標的，申購單一公司債的門檻也偏高，投資人可以申購投資級公司債基金。

更多內容， 按下收聽鍵，來聽基金鐵人張凌雲和白姐的分析。年底整理自己投資，就像打撲克牌一樣，有時手上只有Joker，有時可以拿到王牌和Queen牌，不管是那一種年終清一清自己的投組，展望2023重新布局，近期基金鐵人和白姐將與你分析各家基金公司和大行業市場展望，讓我們一起來找2023年投資方向，配合這集小編特別挑選【 The Joker And The Queen】呼應這次的主題。
Ed Sheeran - The Joker And The Queen (feat. Taylor Swift)
How was I to know? It's a crazy thing
而我怎能提前知曉？這感情實屬不易
I showed you my hand and you still let me win
就算把底牌表露無遺 你還是毫不猶豫地蓋牌
And who was I to say that this was meant to be?
而我又有什麼資格 宣佈這場勝利水到渠成？
The road that was broken brought us together
多虧這趟篳路藍縷的旅程 我們才能走到一起
And I know you could fall for a thousand kings
我很清楚 你大可選擇手牌裡任何一張國王
And hearts that would give you a diamond ring
能將那顆寂寞芳心 化作枝頭綻放的桃花
When I fold, you see the best in me
儘管我蓋牌認輸 你仍抽出盒底深處
The joker and the queen
那張無名鬼牌 來搭配像你這樣的王妃
I've been played before, if you hadn't guessed
假如你還沒看出來 我也玩過類似的遊戲
So I kept my cards close to my foolproof vest
所以我才會把手牌貼在胸前 不讓誰拆穿
But you called my bluff (But you called my bluff)
而你竟一點也不畏懼 還對我虛張聲勢
And saw through all my tells (And saw through all my tells)
甚至看透我那縝密的心思
And then you went all-in
將籌碼全數推入池子裡 瓦解我的心防
And we left together
於是我倆選擇蓋牌 不再相互猜忌
And I know you think that what makes a king
你我都清楚 造就神仙眷侶誕生的
Is gold, a palace and diamond rings
是一座座輝煌宮殿 還有數不盡的財寶
When I fold, you see the best in me
可每當我輸得一敗塗地 只有你不離不棄
The joker and the queen
還願意當我這種丑角的王妃
And I know you could fall for a thousand kings
其實我心裏明白 自己高攀不起如此尊貴的你
And hearts that could give you a diamond ring
一顆善解人意的心 便足以吸引眾多仰慕者
When I fold, you see the best in me
每當我陷入愁雲慘霧 你卻願意駐足停留
The joker and the queen
成為我這種丑角的王妃
[Instrumental Break]
And I know you could fall for a thousand kings
其實我心裏明白 自己高攀不起如此尊貴的你
And hearts that could give you a diamond ring
一顆善解人意的心 便足以吸引眾多仰慕者
When I fold, you see the best in me
每當我就要屈服於現實 你仍無條件支持我
The joker and the queen
用你那滿盈的愛 溫暖我的世界
The joker and the queen
陪在我身邊 不離不棄
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[Original Lyrics]
[Verse I]
How was I to know? It's a crazy thing
而我怎能提前知曉？這感情實屬不易
I showed you my hand and you still let me win
就算把底牌表露無遺 你還是毫不猶豫地蓋牌
And who was I to say that this was meant to be?
而我又有什麼資格 宣佈這場勝利水到渠成？
The road that was broken brought us together
多虧這趟篳路藍縷的旅程 我們才能走到一起
[Chorus]
And I know you could fall for a thousand kings
我很清楚 你大可選擇手牌裡任何一張國王
And hearts that would give you a diamond ring
能將那顆寂寞芳心 化作枝頭綻放的桃花
When I fold, you see the best in me
儘管我蓋牌認輸 你仍抽出盒底深處
The joker and the queen
那張無名鬼牌 來搭配像你這樣的王妃
[Verse II]
I was upside down from the outside in
無論從裡到外 現實都將我徹底打敗
You came to the table and you went all in
你卻願意接納這樣的我 甚至陪伴在左右
With a single word and a gentle touch
溫柔地將我擁入懷裡 簡單一句「沒關係」
You turned a moment into forever
便將那剎那 轉變為彌足珍貴的永恆
[Chorus]
And I know you could fall for a thousand kings
其實我心裏明白 自己高攀不起如此尊貴的你
And hearts that could give you a diamond ring
一顆善解人意的心 便足以吸引眾多仰慕者
When I fold, you see the best in me
每當我陷入愁雲慘霧 你卻願意駐足停留
The joker and the queen
成為我這種丑角的王妃
[Instrumental Break]
[Chorus]
And I know you could fall for a thousand kings
其實我心裏明白 自己高攀不起如此尊貴的你
And hearts that could give you a diamond ring
一顆善解人意的心 便足以吸引眾多仰慕者
When I fold, you see the best in me
每當我就要屈服於現實 你仍無條件支持我
The joker and the queen
用你那滿盈的愛 溫暖我的世界
The joker and the queen
歌詞翻譯Credited to PCH
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