Many people who start using mobile apps to set up a regular investment plan for Taiwan stocks often notice a strange phenomenon:"I clearly set the deduction to 30,000 TWD, so why was only around 27,000 TWD deducted in the end?

剛開始用手機App設定定期定額買台股的朋友，常會發現一個怪現象：「明明設定扣款30,000 元，為什麼最後只扣了27,000多元？」

This is not a system error, let alone your money being stolen by the broker.Today, we will use the actual transaction billing details, tracing back from the final deduction amount, to teach you how to use a calculator to find the truth about the missing shares!

這不是系統壞掉，更不是錢被券商偷走。今天我們就用真實的交易帳單明細，從最終扣款金額回推，教你如何用計算機比對出消失的股數真相！

The final summary shows an average executed price of 106.8945 TWD, total executed shares of 256, and a settlement amount of 27,365 TWD. At this moment, we suddenly realize that the originally expected deduction of 30,000 TWD is actually “short by nearly 3,000 TWD"

最終明細顯示，成交均價 106.8945 元、成交股數 256 股、成交金額 27,365 元。這時候我們會突然驚覺，原本預計要扣款的 30,000 元，竟然「少扣了將近 3,000 元」。

What on earth caused this money not to be converted into stocks as planned ? We need to use a calculator to find out.

究竟是什麼原因，導致這筆錢沒有如期換成股票？我們需要透過計算機來找出原因。

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The calculator shows 30,000÷106=283.01 We pick up our calculator and divide the original 30,000 TWD budget by today’s actual market price of around 106 TWD. According to normal logic, the system should be smart enough to buy a full 283 shares for us today. However, comparing with the previous image, we only received 256 shares in the end, meaning 27 shares vanished into thin air!

我們拿起計算機，用原本的 3 萬元預算除以今天大約106元的實際市價。按照正常邏輯，系統今天應該要聰明地幫我們買滿283股股票才對。然而對照上一張圖，最後卻只拿到了256股，這中間直接憑空消失了27股！

Pressing the calculator again, we input 30,000 divided by the broker’s morning estimated price of 117 TWD.The answer is revealed! The calculated number happens to be the exact 256 shares we received earlier!

再按一次計算機，我們輸入 30,000 除以券商早上的預估價 117 元。答案揭曉了！算出來的數字剛好就是前面拿到的256股！

This verifies one thing: the broker had already locked your maximum buying limit at 256 shares during the morning “order phase" using a higher price, and no matter how cheap it got during the day, it couldn’t automatically add more for you.

這驗證了一件事：券商在早上的「委託階段」，就已經用較高的價格把你的購買股數上限死死鎖定在256股了，不論盤中多便宜，都無法再幫你自動追加。

Why does the broker force a price as high as 117 TWD to lock in the number of shares? The answer is that Coco set it up this way herself. Coco originally wanted to be lazy, meaning she wanted to buy on the 15th no matter,how much the price went up or down, so she configured the regular investment plan to execute as long as the price was within +10%, and this is exactly what caused the “estimated order price to be raised and the share count to be restricted."

為什麼券商會用117元這麼高的價格來鎖定股數呢？答案是可可自己設定的，可可原本想說偷懶，就是15號不管漲跌多少都要買，所以就在定期定額設定了正10%以下都要買進，這就是導致了「預估委託價被拉高、股數被限縮」的原因。

Although this outcome doesn’t make a huge impact, it simply means Coco bought her planned number of shares at a much cheaper price, but it’s still a good reminder to myself: don’t try to be too clever next time! END

雖然這樣結果並不會影響很大，僅代表可可用了更便宜的價格買到原本預計要買的股數，但是還是要提醒自己，以後別再自作聰明了！END