[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"daily-categories":3,"daily-article-13616":44,"daily-related-13616":115,"daily-popular-sidebar":228},{"data":4},[5,11,16,20,24,28,32,36,40],{"slug":6,"name":7,"meta_title":8,"meta_description":9,"url":10},"trending","熱門話題","熱門話題｜Daily","掌握親子育兒、家庭生活與日常話題的最新焦點。","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Ftrending",{"slug":12,"name":13,"meta_title":14,"meta_description":14,"url":15},"care","親子育兒",null,"https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Fcare",{"slug":17,"name":18,"meta_title":14,"meta_description":14,"url":19},"travel","旅遊景點","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Ftravel",{"slug":21,"name":22,"meta_title":14,"meta_description":14,"url":23},"food","美食攻略","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Ffood",{"slug":25,"name":26,"meta_title":14,"meta_description":14,"url":27},"goods","好物分享","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Fgoods",{"slug":29,"name":30,"meta_title":14,"meta_description":14,"url":31},"cosmetics","美妝保養","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Fcosmetics",{"slug":33,"name":34,"meta_title":14,"meta_description":14,"url":35},"pets","毛孩世界","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Fpets",{"slug":37,"name":38,"meta_title":14,"meta_description":14,"url":39},"birth","懷孕生產","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Fbirth",{"slug":41,"name":42,"meta_title":14,"meta_description":14,"url":43},"health","健康保健","https:\u002F\u002Fdaily.verybaby.tw\u002Fcategory\u002Fhealth",{"data":45},{"public_id":46,"slug":47,"url":48,"title":49,"excerpt":50,"category":51,"featured_image":52,"author":62,"count_impressions":66,"published_at":67,"content_html":68,"toc":69,"tags":110,"images":111,"seo":114},13616,"taiwan-children-future-account-withdrawal-eligibility-limit","https:\u002F\u002Fdaily.verybaby.tw\u002Farticles\u002F13616-taiwan-children-future-account-withdrawal-eligibility-limit","台灣兒童未來帳戶怎麼領？114萬元拆解、資格與提領限制一次看","台灣未來帳戶三讀通過，孩子完整參與期間政府投入合計可達114萬元。本文整理適用資格、各年齡補助、帳戶存款、提領用途與退出規則，並說明為何不是一次領取，以及現有兒少能否領滿仍待確認。",{"slug":12,"name":13},{"url":53,"variants":54,"width":59,"height":60,"alt":61,"caption":14},"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13616\u002Fimages\u002F421cdba16fa22ccbfcf3c23b939583322bdd5c5e111f30eb69276a0b3dfbb8fd\u002Fmaster.webp",[55,56,57,58],"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13616\u002Fimages\u002F421cdba16fa22ccbfcf3c23b939583322bdd5c5e111f30eb69276a0b3dfbb8fd\u002F480.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13616\u002Fimages\u002F421cdba16fa22ccbfcf3c23b939583322bdd5c5e111f30eb69276a0b3dfbb8fd\u002F768.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13616\u002Fimages\u002F421cdba16fa22ccbfcf3c23b939583322bdd5c5e111f30eb69276a0b3dfbb8fd\u002F1200.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13616\u002Fimages\u002F421cdba16fa22ccbfcf3c23b939583322bdd5c5e111f30eb69276a0b3dfbb8fd\u002F1600.webp",1731,909,"",{"username":63,"display_name":64,"brand_type":65},"mamababy","媽咪寶貝","部落格",64,"2026-07-24T10:15:00+00:00","\u003Cp>看到「孩子從出生到 18 歲可領 114 萬元」，不少家長的第一個反應可能是：這筆錢會直接匯進家長的帳戶嗎？已經上小學或國中的孩子也能領滿嗎？\u003C\u002Fp>\n\u003Cp>先別急著把 114 萬元當成一筆可以立即使用的現金。\u003C\u002Fp>\n\u003Cp>依照三讀通過的制度內容，這 114 萬元是孩子從出生開始、持續符合資格至 18 歲時，政府分年投入的累計金額。其中一部分屬於成長期間使用的津貼，另一部分則存入未來帳戶，原則上必須等孩子成年後，符合指定用途才能提領。\u003C\u002Fp>\n\u003Ch2 id=\"114萬元怎麼算-不是全部一次發放\">114萬元怎麼算？不是全部一次發放\u003C\u002Fh2>\n\u003Cp>政府投入的 114 萬元，可以拆成「成長津貼」與「未來帳戶」兩大部分。\u003C\u002Fp>\n\u003Cdiv class=\"daily-table-scroll\">\u003Ctable>\n\u003Cthead>\n\u003Ctr>\n\u003Cth align=\"left\">孩子年齡\u003C\u002Fth>\n\u003Cth align=\"left\">成長津貼\u003C\u002Fth>\n\u003Cth align=\"left\">撥入未來帳戶\u003C\u002Fth>\n\u003Cth align=\"left\">該階段政府投入\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003C\u002Fthead>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd align=\"left\">出生時\u003C\u002Ftd>\n\u003Ctd align=\"left\">—\u003C\u002Ftd>\n\u003Ctd align=\"left\">啟動金 6 萬元\u003C\u002Ftd>\n\u003Ctd align=\"left\">6 萬元\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">0 歲至未滿 7 歲\u003C\u002Ftd>\n\u003Ctd align=\"left\">每年 6 萬元，共 42 萬元\u003C\u002Ftd>\n\u003Ctd align=\"left\">—\u003C\u002Ftd>\n\u003Ctd align=\"left\">42 萬元\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">7 歲至未滿 18 歲\u003C\u002Ftd>\n\u003Ctd align=\"left\">每年 3 萬元，共 33 萬元\u003C\u002Ftd>\n\u003Ctd align=\"left\">每年 3 萬元，共 33 萬元\u003C\u002Ftd>\n\u003Ctd align=\"left\">66 萬元\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">\u003Cstrong>合計\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd align=\"left\">\u003Cstrong>75 萬元\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd align=\"left\">\u003Cstrong>39 萬元\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd align=\"left\">\u003Cstrong>114 萬元\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\u003C\u002Fdiv>\n\u003Cp>換句話說：\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\n\u003Cp>成長津貼累計為 \u003Cstrong>75 萬元\u003C\u002Fstrong>\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>政府撥入未來帳戶的款項累計為 \u003Cstrong>39 萬元\u003C\u002Fstrong>\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>兩者合計為 \u003Cstrong>114 萬元\u003C\u002Fstrong>\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>這個數字不包含家長自行存入的款項、雇主贊助款，以及帳戶後續可能產生的投資收益。發放金額也不是永久固定不變，條文設計為每 3 年參考消費者物價指數、人口結構等因素檢討調整。\u003C\u002Fp>\n\u003Ch2 id=\"誰符合台灣未來帳戶資格\">誰符合台灣未來帳戶資格？\u003C\u002Fh2>\n\u003Cp>依三讀內容，適用對象原則上須同時符合以下條件：\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\n\u003Cp>未滿 18 歲\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>具有中華民國國籍\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>在國內設有住所\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>每年在國內居住滿 183 天\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>不過，居住天數如何計算、新生兒出生當年度如何認定、短期出國是否有例外，以及已經出生的兒少如何銜接，都可能需要更細部的施行辦法說明。\u003C\u002Fp>\n\u003Cp>另一個家長很容易誤解的地方是：\u003Cstrong>「符合未滿18歲資格」不一定代表所有孩子都能直接領滿114萬元。\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp>114 萬元是從出生到 18 歲、完整參與制度的累計金額。已經 5 歲、10 歲或 15 歲的孩子，究竟是從制度上路後按剩餘年數領取，還是另有補發或過渡安排，仍須查看正式公布的條文與主管機關說明。\u003C\u002Fp>\n\u003Ch2 id=\"成長津貼和未來帳戶有什麼不同\">成長津貼和未來帳戶有什麼不同？\u003C\u002Fh2>\n\u003Cp>雖然兩者都屬於兒少支持制度，但使用方式並不相同。\u003C\u002Fp>\n\u003Cdiv class=\"daily-table-scroll\">\u003Ctable>\n\u003Cthead>\n\u003Ctr>\n\u003Cth align=\"left\">比較項目\u003C\u002Fth>\n\u003Cth align=\"left\">兒少成長津貼專戶\u003C\u002Fth>\n\u003Cth align=\"left\">台灣未來帳戶\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003C\u002Fthead>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd align=\"left\">主要目的\u003C\u002Ftd>\n\u003Ctd align=\"left\">支應孩子成長期間的生活與照顧需求\u003C\u002Ftd>\n\u003Ctd align=\"left\">累積成年後的教育、就業及發展資金\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">政府投入\u003C\u002Ftd>\n\u003Ctd align=\"left\">0至6歲每年6萬元；7至17歲每年3萬元\u003C\u002Ftd>\n\u003Ctd align=\"left\">出生時6萬元；7至17歲每年3萬元\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">能否在18歲前使用\u003C\u002Ftd>\n\u003Ctd align=\"left\">原則上可在成長期間動支\u003C\u002Ftd>\n\u003Ctd align=\"left\">原則上不能提前自由提領\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">18歲後是否有限定用途\u003C\u002Ftd>\n\u003Ctd align=\"left\">依專戶相關規範辦理\u003C\u002Ftd>\n\u003Ctd align=\"left\">須提出符合規定的用途證明\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">是否能額外自行存款\u003C\u002Ftd>\n\u003Ctd align=\"left\">依後續帳戶規定辦理\u003C\u002Ftd>\n\u003Ctd align=\"left\">家長或近親可自行存入款項\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\u003C\u002Fdiv>\n\u003Cp>成長津貼專戶屬於孩子成長階段的支持款項，但不代表父母或監護人可以任意挪作私人用途。若父母、監護人或實際照顧者違法挪用專戶資金，法院可停止其管理權限，主管機關也可追回款項並返還專戶。\u003C\u002Fp>\n\u003Ch2 id=\"家長可以幫孩子多存錢嗎\">家長可以幫孩子多存錢嗎？\u003C\u002Fh2>\n\u003Cp>除了政府撥入的款項，制度也允許家庭為孩子額外累積資產。\u003C\u002Fp>\n\u003Cp>家長、法定代理人或近親可以孩子的名義自行存款，每個帳戶每年自存款上限為 \u003Cstrong>20 萬元\u003C\u002Fstrong>。原則上可事先選擇每月存入金額；若有特殊狀況，也可在年底前補存。\u003C\u002Fp>\n\u003Cp>另外，孩子法定代理人的雇主可提供贊助款，每個帳戶每年最高 \u003Cstrong>5 萬元\u003C\u002Fstrong>。企業也可選擇直接捐贈基金，相關獎勵或免稅措施則有待主管機關訂定具體規範。\u003C\u002Fp>\n\u003Cp>因此，孩子成年時帳戶裡實際累積的金額，可能不只政府投入的 39 萬元，還包括：\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\n\u003Cp>家庭自存款\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>雇主贊助款\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>基金運用所產生的收益\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>但家長仍須考量家庭現金流，不必為了存滿上限而壓縮必要的生活、醫療或教育支出。\u003C\u002Fp>\n\u003Ch2 id=\"孩子滿18歲後-可以把錢用在哪裡\">孩子滿18歲後，可以把錢用在哪裡？\u003C\u002Fh2>\n\u003Cp>台灣未來帳戶並不是孩子一滿 18 歲，就能無條件把全部款項領出來。\u003C\u002Fp>\n\u003Cp>主管機關會通知帳戶持有人提出用途證明，經審查符合規定後，才能申請提領及結清帳戶。依三讀內容，允許的用途包括：\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\n\u003Cp>就學\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>就業所需支出\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>職業訓練\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>創業\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>購屋自備款\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>租屋費用\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>這項設計的目的，是讓帳戶資金用在孩子成年後的重要發展階段，而不是成為可以任意消費的一般存款。\u003C\u002Fp>\n\u003Ch2 id=\"沒有提出用途證明-錢還拿得回來嗎\">沒有提出用途證明，錢還拿得回來嗎？\u003C\u002Fh2>\n\u003Cp>可以拿回一部分，但不是全部。\u003C\u002Fp>\n\u003Cp>若孩子滿 18 歲後沒有提出證明，或申請用途不符合規定，原則上只能領回：\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\n\u003Cp>家庭自行存入的款項\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli>\n\u003Cp>雇主提供的贊助款\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>政府提供的啟動金、年度撥補款及相關收益，則須繳回國庫。\u003C\u002Fp>\n\u003Cp>因此，未來帳戶中的錢可以分成兩種性質：\u003C\u002Fp>\n\u003Col>\n\u003Cli>\u003Cstrong>家庭或雇主投入的款項\u003C\u002Fstrong>：原則上仍屬於帳戶持有人。\u003C\u002Fli>\n\u003Cli>\u003Cstrong>政府投入及其相關收益\u003C\u002Fstrong>：必須符合政策用途，否則不能直接領走。\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>另外，孩子滿 18 歲後至實際提領日之間產生的收益，須依規定辦理所得稅扣繳與申報。這並不是指帳戶裡的 114 萬元全部都要課稅，而是針對特定期間產生的收益辦理。\u003C\u002Fp>\n\u003Ch2 id=\"帳戶資金由誰管理\">帳戶資金由誰管理？\u003C\u002Fh2>\n\u003Cp>制度的中央主管機關為衛生福利部，地方執行工作則由直轄市及縣市政府負責。\u003C\u002Fp>\n\u003Cp>帳戶收支與保管業務規劃由勞動部勞工保險局辦理，基金的運用、經營與管理則由勞動基金運用局負責。\u003C\u002Fp>\n\u003Cp>依三讀內容，基金投資範圍限定於國內股票、債券及相關受益憑證等項目，並設有監理及資訊揭露機制，須定期公布財務與資金運用資訊。條文也設計收益保障，若收益低於當地銀行二年期定期存款利率，不足部分由國庫補足。\u003C\u002Fp>\n\u003Cp>對家長來說，這代表未來帳戶不是一般銀行活存，而是由政府設計、具有特定用途及管理規則的長期資產帳戶。\u003C\u002Fp>\n\u003Ch2 id=\"特殊狀況可以提前領取嗎\">特殊狀況可以提前領取嗎？\u003C\u002Fh2>\n\u003Cp>若孩子在未滿 18 歲前遇到重大狀況，條文設有提前提領或結清機制。\u003C\u002Fp>\n\u003Cdiv class=\"daily-table-scroll\">\u003Ctable>\n\u003Cthead>\n\u003Ctr>\n\u003Cth align=\"left\">特殊狀況\u003C\u002Fth>\n\u003Cth align=\"left\">主要處理方式\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003C\u002Fthead>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd align=\"left\">罹患重大疾病\u003C\u002Ftd>\n\u003Ctd align=\"left\">法定代理人或近親可向地方主管機關申請提領\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">屬於重度身心障礙者\u003C\u002Ftd>\n\u003Ctd align=\"left\">可依規定申請提前提領帳戶餘額\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">帳戶持有人死亡\u003C\u002Ftd>\n\u003Ctd align=\"left\">未來帳戶中的政府投入款原則上繳回國庫；成長津貼專戶依民法繼承規定辦理\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">喪失中華民國國籍\u003C\u002Ftd>\n\u003Ctd align=\"left\">原則上只能領回自存款與雇主贊助款\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd align=\"left\">接受感化教育\u003C\u002Ftd>\n\u003Ctd align=\"left\">接受感化教育期間不得領取成長津貼\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\u003C\u002Fdiv>\n\u003Cp>實際需要哪些醫療證明、身心障礙資格文件或申請資料，仍應以後續公布的作業辦法為準。\u003C\u002Fp>\n\u003Ch2 id=\"不想繼續參加-可以退出嗎\">不想繼續參加，可以退出嗎？\u003C\u002Fh2>\n\u003Cp>條文設有退出機制，但退出後並不能把所有款項帶走。\u003C\u002Fp>\n\u003Cp>帳戶持有人提出退出申請後，主管機關須在一年內提供輔導。若輔導期滿後仍決定退出，可以領回家庭自存款及雇主贊助款，但政府提供的啟動金、年度撥補款及基金投資收益須繳回國庫。\u003C\u002Fp>\n\u003Cp>帳戶結清後，也不能再次開立。\u003C\u002Fp>\n\u003Cp>對家庭來說，申請退出前應先確認原因，是短期現金流壓力、存款方式不合適，還是確實不願繼續參與。若只是暫時無法按月存款，可先了解是否能在年底前補存，不一定要直接退出。\u003C\u002Fp>\n\u003Ch2 id=\"帳戶裡的錢會影響福利資格嗎\">帳戶裡的錢會影響福利資格嗎？\u003C\u002Fh2>\n\u003Cp>依條文規定，政府投入帳戶的款項不列入家庭收入及家庭財產計算，也不得作為扣押、抵銷或強制執行的標的。\u003C\u002Fp>\n\u003Cp>這項設計是為了避免家庭因為孩子名下累積資產，而失去原本符合資格的社會福利或補助，同時確保款項能保留給兒少未來使用。\u003C\u002Fp>\n\u003Ch2 id=\"台灣未來帳戶等於每月領5-000元嗎\">台灣未來帳戶等於每月領5,000元嗎？\u003C\u002Fh2>\n\u003Cp>兩者不能直接畫上等號。\u003C\u002Fp>\n\u003Cp>先前另有 0 至 18 歲每人每月發放 5,000 元成長津貼的政策規畫；此次三讀制度則將資源分成「成長津貼專戶」及「未來帳戶」兩部分，金額、存入方式與使用限制並不完全相同。\u003C\u002Fp>\n\u003Cp>家長未來查看政策資訊時，應特別確認看到的是哪一項方案，避免只看「每月 5,000 元」或「總共 114 萬元」等標題，就誤以為所有款項的發放與使用方式都相同。\u003C\u002Fp>\n\u003Ch2 id=\"家長現在需要做什麼\">家長現在需要做什麼？\u003C\u002Fh2>\n\u003Cp>目前不必因為看到新聞，就立即前往銀行開戶或提供個人資料。\u003C\u002Fp>\n\u003Cp>較實際的做法是先留意衛生福利部、勞動部、勞保局及居住地縣市政府的正式公告，確認：\u003C\u002Fp>\n\u003Col>\n\u003Cli>是否採自動開戶或由家長主動申請。\u003C\u002Fli>\n\u003Cli>需要準備哪些身分、戶籍及居住證明。\u003C\u002Fli>\n\u003Cli>已出生兒少從哪一個年度開始計算。\u003C\u002Fli>\n\u003Cli>成長津貼的首波撥款日期。\u003C\u002Fli>\n\u003Cli>家長自存款的金融機構、扣款及查詢方式。\u003C\u002Fli>\n\u003Cli>提領用途的審查標準與應備文件。\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>在正式申請管道公布前，也應小心假冒政府機關的簡訊、電話或釣魚網站。政府補助通常不會要求家長先支付手續費，也不應將網路銀行密碼或簡訊驗證碼提供給他人。\u003C\u002Fp>\n\u003Ch2 id=\"結語-114萬元要分清楚-何時領-與-怎麼用\">結語：114萬元要分清楚「何時領」與「怎麼用」\u003C\u002Fh2>\n\u003Cp>台灣未來帳戶的重點，不只是政府投入多少錢，而是把孩子成長期間的生活支持，與成年後的教育、就業及居住需求分開規畫。\u003C\u002Fp>\n\u003Cp>完整參與制度的孩子，政府投入合計可達 114 萬元，但這筆錢不是一次入帳，也不是全部都能自由提領。其中 75 萬元屬於分年發放的成長津貼，另有 39 萬元存入具用途限制的未來帳戶。\u003C\u002Fp>\n\u003Cp>家長在評估制度時，除了看總金額，也要留意孩子的年齡、居住資格、款項性質、提領用途，以及現有兒少的銜接方式。等正式法規與申請辦法公布後，再依家庭情況安排自存款，會比只看補助總額更實際。\u003C\u002Fp>\n\u003Cp>條例雖已經立法院三讀，實際公布日期、撥款時間、申請方式與過渡規定，仍應以政府後續公布的正式法規及行政公告為準。\u003C\u002Fp>\n",[70,74,77,80,83,86,89,92,95,98,101,104,107],{"level":71,"id":72,"title":73},2,"114萬元怎麼算-不是全部一次發放","114萬元怎麼算？不是全部一次發放",{"level":71,"id":75,"title":76},"誰符合台灣未來帳戶資格","誰符合台灣未來帳戶資格？",{"level":71,"id":78,"title":79},"成長津貼和未來帳戶有什麼不同","成長津貼和未來帳戶有什麼不同？",{"level":71,"id":81,"title":82},"家長可以幫孩子多存錢嗎","家長可以幫孩子多存錢嗎？",{"level":71,"id":84,"title":85},"孩子滿18歲後-可以把錢用在哪裡","孩子滿18歲後，可以把錢用在哪裡？",{"level":71,"id":87,"title":88},"沒有提出用途證明-錢還拿得回來嗎","沒有提出用途證明，錢還拿得回來嗎？",{"level":71,"id":90,"title":91},"帳戶資金由誰管理","帳戶資金由誰管理？",{"level":71,"id":93,"title":94},"特殊狀況可以提前領取嗎","特殊狀況可以提前領取嗎？",{"level":71,"id":96,"title":97},"不想繼續參加-可以退出嗎","不想繼續參加，可以退出嗎？",{"level":71,"id":99,"title":100},"帳戶裡的錢會影響福利資格嗎","帳戶裡的錢會影響福利資格嗎？",{"level":71,"id":102,"title":103},"台灣未來帳戶等於每月領5-000元嗎","台灣未來帳戶等於每月領5,000元嗎？",{"level":71,"id":105,"title":106},"家長現在需要做什麼","家長現在需要做什麼？",{"level":71,"id":108,"title":109},"結語-114萬元要分清楚-何時領-與-怎麼用","結語：114萬元要分清楚「何時領」與「怎麼用」",[],[112],{"url":53,"variants":113,"width":59,"height":60,"alt":61,"caption":14},{"480":55,"768":56,"1200":57,"1600":58},{"title":49,"description":50,"canonical_url":48},{"data":116},[117,135,154,175,192,209],{"public_id":118,"slug":119,"url":120,"title":121,"excerpt":122,"category":123,"featured_image":124,"author":132,"count_impressions":133,"published_at":134},13605,"restaurant-crying-kids-soothing-steps-for-parent","https:\u002F\u002Fdaily.verybaby.tw\u002Farticles\u002F13605-restaurant-crying-kids-soothing-steps-for-parent","小孩在餐廳哭鬧怎麼辦？爸媽可以照著做的6個安撫步驟","小孩在餐廳突然哭鬧，爸媽該怎麼處理？從穩住情緒、判斷需求、降低環境刺激，到提供簡單選擇、轉移注意力與適時離場，整理6個可立即運用的安撫步驟，幫助家長理解孩子需求，也讓親子外食更從容。",{"slug":12,"name":13},{"url":125,"variants":126,"width":130,"height":131,"alt":61,"caption":14},"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13605\u002Fimages\u002F72ac150d07e1a7492bd8a61514f644917fbfc524558a75f41e7e7cb699d0bddf\u002Fmaster.webp",[127,128,129],"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13605\u002Fimages\u002F72ac150d07e1a7492bd8a61514f644917fbfc524558a75f41e7e7cb699d0bddf\u002F480.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13605\u002Fimages\u002F72ac150d07e1a7492bd8a61514f644917fbfc524558a75f41e7e7cb699d0bddf\u002F768.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13605\u002Fimages\u002F72ac150d07e1a7492bd8a61514f644917fbfc524558a75f41e7e7cb699d0bddf\u002F1200.webp",1536,1024,{"username":63,"display_name":64,"brand_type":65},1378,"2026-07-19T16:06:00+00:00",{"public_id":136,"slug":137,"url":138,"title":139,"excerpt":140,"category":141,"featured_image":142,"author":151,"count_impressions":152,"published_at":153},13613,"115-academic-calendar-guide-semester-start-holidays-exams","https:\u002F\u002Fdaily.verybaby.tw\u002Farticles\u002F13613-115-academic-calendar-guide-semester-start-holidays-exams","115學年度行事曆懶人包：開學、寒暑假與重要考試一次整理","115學年度從2026年8月31日開學，2027年1月21日起放寒假，第二學期於2月11日開始，7月1日起放暑假。本文整理學期假日、段考參考區間、升學考試及交通預售提醒，方便家長一次安排全年行程。",{"slug":6,"name":7},{"url":143,"variants":144,"width":149,"height":150,"alt":61,"caption":14},"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13613\u002Fimages\u002Fe4318c56ca6352cb534593b4db4b68ec230ec15e75189ac64985fc9a346c8f7a\u002Fmaster.webp",[145,146,147,148],"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13613\u002Fimages\u002Fe4318c56ca6352cb534593b4db4b68ec230ec15e75189ac64985fc9a346c8f7a\u002F480.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13613\u002Fimages\u002Fe4318c56ca6352cb534593b4db4b68ec230ec15e75189ac64985fc9a346c8f7a\u002F768.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13613\u002Fimages\u002Fe4318c56ca6352cb534593b4db4b68ec230ec15e75189ac64985fc9a346c8f7a\u002F1200.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13613\u002Fimages\u002Fe4318c56ca6352cb534593b4db4b68ec230ec15e75189ac64985fc9a346c8f7a\u002F1600.webp",1733,907,{"username":63,"display_name":64,"brand_type":65},528,"2026-07-23T16:00:00+00:00",{"public_id":155,"slug":156,"url":157,"title":158,"excerpt":61,"category":159,"featured_image":160,"author":167,"count_impressions":173,"published_at":174},13612,"toddler-lutein-eye-health-chewable-nutrition-lemonade","https:\u002F\u002Fdaily.verybaby.tw\u002Farticles\u002F13612-toddler-lutein-eye-health-chewable-nutrition-lemonade","體驗｜3C世代育兒必備好物【momochan 沫沫將】蓋比的娃娃屋系列-全方位葉黃素，正版授權人氣IP｜學齡兒童葉黃素推薦保健品牌",{"slug":12,"name":13},{"url":161,"variants":162,"width":166,"height":166,"alt":61,"caption":14},"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13612\u002Fimages\u002F158149f8f43537d0cae7469cd381da0399428ec55fbe2c425b904a02d4173e44\u002Fmaster.webp",[163,164,165],"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13612\u002Fimages\u002F158149f8f43537d0cae7469cd381da0399428ec55fbe2c425b904a02d4173e44\u002F480.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13612\u002Fimages\u002F158149f8f43537d0cae7469cd381da0399428ec55fbe2c425b904a02d4173e44\u002F768.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13612\u002Fimages\u002F158149f8f43537d0cae7469cd381da0399428ec55fbe2c425b904a02d4173e44\u002F1200.webp",1200,{"username":168,"display_name":169,"avatar_url":170,"biography":171,"brand_type":172},"YjgMoaRxK5","咕嚕媽\u002F咕嚕家族的部落格","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fbrands\u002F25gz6w\u002Favatars\u002F07zxus.jpg","歡迎光臨咕嚕媽\u002F咕嚕家族在痞客邦的小天地\n我是個喜歡體驗分享的媽媽，如果你也喜歡我的文章，歡迎關注\n臉書粉絲頁https:\u002F\u002Fwww.facebook.com\u002F104275278882517\u002Fposts\u002F104288142214564\u002F?sfnsn=mo","駐站部落客",1025,"2025-11-19T12:12:47+00:00",{"public_id":176,"slug":177,"url":178,"title":179,"excerpt":180,"category":181,"featured_image":182,"author":189,"count_impressions":190,"published_at":191},13608,"parenting-journey-self-discovery-growth","https:\u002F\u002Fdaily.verybaby.tw\u002Farticles\u002F13608-parenting-journey-self-discovery-growth","陪伴孩子長大，也重新認識自己：成為父母後才懂的事","每個人選擇成為父母的理由不同，有些人只是想參與一個生命的成長。文章從日常小事、育兒疲憊、情緒修補與逐步放手談起，看見陪伴孩子長大的同時，父母也在重新認識自己，學會不必完美地去愛。",{"slug":12,"name":13},{"url":183,"variants":184,"width":59,"height":60,"alt":61,"caption":14},"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13608\u002Fimages\u002Fdc6c647e0c88ff741cf7b4509db2013ae5ccc3a8eb09277284de2c33d3bc0adf\u002Fmaster.webp",[185,186,187,188],"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13608\u002Fimages\u002Fdc6c647e0c88ff741cf7b4509db2013ae5ccc3a8eb09277284de2c33d3bc0adf\u002F480.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13608\u002Fimages\u002Fdc6c647e0c88ff741cf7b4509db2013ae5ccc3a8eb09277284de2c33d3bc0adf\u002F768.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13608\u002Fimages\u002Fdc6c647e0c88ff741cf7b4509db2013ae5ccc3a8eb09277284de2c33d3bc0adf\u002F1200.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13608\u002Fimages\u002Fdc6c647e0c88ff741cf7b4509db2013ae5ccc3a8eb09277284de2c33d3bc0adf\u002F1600.webp",{"username":63,"display_name":64,"brand_type":65},1216,"2026-07-20T09:00:00+00:00",{"public_id":193,"slug":194,"url":195,"title":196,"excerpt":197,"category":198,"featured_image":199,"author":206,"count_impressions":207,"published_at":208},13610,"how-to-soothe-baby-stop-crying-babys-shaken-syndrome-safety","https:\u002F\u002Fdaily.verybaby.tw\u002Farticles\u002F13610-how-to-soothe-baby-stop-crying-babys-shaken-syndrome-safety","寶寶哭不停怎麼辦？認識嬰兒搖晃症候群與安全安撫方法","嬰兒搖晃症候群主要與猛烈、快速的搖晃、拋擲或撞擊有關，一般輕柔搖抱並不相同。本文整理可能症狀、安全安撫方法、照顧者換手原則及托育交接重點，幫助家長在寶寶哭鬧時做出更安全的處理。",{"slug":41,"name":42},{"url":200,"variants":201,"width":59,"height":60,"alt":61,"caption":14},"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13610\u002Fimages\u002F2705721d9472e6afbd82f674a38d3cd3bc4e73e677f71d0e1273f2630d9cf9f4\u002Fmaster.webp",[202,203,204,205],"https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13610\u002Fimages\u002F2705721d9472e6afbd82f674a38d3cd3bc4e73e677f71d0e1273f2630d9cf9f4\u002F480.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13610\u002Fimages\u002F2705721d9472e6afbd82f674a38d3cd3bc4e73e677f71d0e1273f2630d9cf9f4\u002F768.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13610\u002Fimages\u002F2705721d9472e6afbd82f674a38d3cd3bc4e73e677f71d0e1273f2630d9cf9f4\u002F1200.webp","https:\u002F\u002Fd1ig8jhxcd4h04.cloudfront.net\u002Fdaily\u002Farticles\u002F13610\u002Fimages\u002F2705721d9472e6afbd82f674a38d3cd3bc4e73e677f71d0e1273f2630d9cf9f4\u002F1600.webp",{"username":63,"display_name":64,"brand_type":65},1183,"2026-07-20T12:07:00+00:00",{"public_id":210,"slug":211,"url":212,"title":213,"excerpt":61,"category":214,"featured_image":215,"author":222,"count_impressions":226,"published_at":227},13601,"calorie-control-day-metabolism-fiber-capsules","https:\u002F\u002Fdaily.verybaby.tw\u002Farticles\u002F13601-calorie-control-day-metabolism-fiber-capsules","安心食代 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