「股市是經濟的櫥窗」，股市波動是金融市場變動的風向球，而金融變動則是一國經濟活動的重要指標。本文主要在探討台灣股票市場歷年來所受到影響因素，包含完全無法預期及可預期發生，以三大重大事件分為：完全無法預期的921大地震、傾向無法預期的人為因素的美國紐約911恐怖攻擊事件，以及有部份徵兆和預期的美國次級房貸金融風暴等三個重大事件。現今隨著金融創新，新市場和新技術的不斷開發，許多傳統風險和新增加的風險往往被各種現象所掩蓋，給金融體系的安全穩定帶來了一系列的問題。投資型保單近幾年在投資市場上十分熱門，保險業務人員也往往強烈的推薦和行銷給客戶。但也往往和本來「想要投資」的客戶的投資期望，有一大段落差。從投資型保單來講，投資人選擇基金標的，應從股票市場了解經濟趨勢，才能知如何選擇基金或股票型基金，希望此研究能幫助，投資人購買投資型保單時，有所判斷。

Today with financial innovation, new markets and technologies are constantly being developed. Many of the traditional risks and increasing risks are often overshadowed by a variety of phenomena which have brought a series of problems to the security and stability of the financial system. In recent years, investment-oriented insurance policies are very popular in the investment market. Insurance personnel often strongly recommend them to customers. However, the customers may not be satisfied with the recommendations. For the investment-type insurance policy terms, we suggest that the investors can consider the economic trends and choose the fund subject from the stock markets. This study can help investors to understand how to choose funds or equity funds when they purchase investment-oriented policy.