祝大家： 马到成功，满仓红 一马当先，步步高升 马不停蹄，财富自由！ 集思录团队携手Gemini、豆包、Deepseek、Chatgpt......祝各位用户春节快乐，阖家欢乐，身体健康，万事如意！ 巳岁蓄势筑基，午岁扬鞭登高。 ...

提出观点： 人的身体是一切的根本，身体出现问题后，很多问题接踵而来：有朋友仅仅因为一个电瓶车事故，身体垮了，引发了一系列问题，家庭没 了、工作没了、收入没了，沦落到了斩杀线的程度。更深入一点，当肉体都消灭后，身后的事情是管不了的，纵有千万家产，也挡不住财 散的命运。 在有了身体这个基础后，那么我们就要在学习、工作、投资、社会关系这4个支柱上下功夫，有了这几个支柱做支撑，我们的生活就有稳定 的可持续发展的保障。 学校教育是我们走入社会前的准备，我们当然不是唯学历论，但是坚实的教育基础会让我们更不容易下滑到斩杀线的程度。现代社会的发 展的终生学习更是必要的，一招鲜只能一时吃遍天，行业在变，局势在变，生活也在变，知识在扩散。AI可以快速的总结各方面的知识，但 是要提出问题，给出方向，还是离不开学习。 对我们普通人来讲，工作是收入的第一来源，是我们生存的物质基础。工作也是我们学习和社交的平台，有一份自己喜欢且适合的工作， 有稳定现金流的收入，有持续发展的单位，有不断上升的职业路径，有一群友善的同事，是多么好的事情，我身边的很多人就是这样的。 社区里很多朋友在讨论投资和生活，看了大家的讨论，结合自身的情况，我总结出一些 ...

Group 1 - The article discusses various investment strategies and experiences shared by different individuals, highlighting the importance of portfolio diversification and risk management [1][12][13]. - A suggested investment portfolio includes a mix of ETFs and cash equivalents, with a balanced approach to asset allocation [2][3][5]. - The performance of various funds is noted, with some achieving significant returns, such as a +84.09% account performance compared to the沪深300 index's +19.20% [6][7]. Group 2 - The article emphasizes the need for patience and long-term investment strategies, particularly in volatile markets, suggesting a focus on dividend-paying assets and alternative investments [13][15]. - It mentions the importance of recognizing market bottom levels, with specific percentage declines (30%, 50%, 75%) serving as indicators for potential buying opportunities [15][16]. - The discussion includes the psychological aspects of investing, suggesting that mindset adjustments can be beneficial during market fluctuations [19].

Group 1 - The article expresses concern over Tencent's ability to innovate in the rapidly evolving AI landscape, suggesting that its historical tendency to follow rather than lead may hinder its future growth [1] - The article mentions the upcoming shareholder meeting on March 3, where a proposal to adjust the terms of the BaiRun convertible bond will be voted on, indicating potential changes in investment strategy [1] - It highlights that the Fangyuan convertible bond will not undergo adjustments, reflecting a stable position in that investment [1] Group 2 - The article provides a list of convertible bonds with their current prices, redemption prices, last trading dates, and conversion values, indicating the financial metrics of various bonds [4] - Specific convertible bonds such as Beigang, Shentong, Huazheng, and Xingfa are mentioned with their respective current prices and conversion values, showcasing the market performance of these financial instruments [4] - The article notes the issuance of new shares by Haifeiman on the Beijing Stock Exchange, with a subscription date set for February 24, indicating new investment opportunities [1]

龙大转债：转股价下修到底至4.2元 信服转债、力诺转债：强赎 煜邦转债：不强赎 万青转债：不下修 闻泰转债 AA- 下调至 A 展望负面 海圣医疗：北交所新股【上市】 网友报料：中装转2小额兑付钱到账 https://www.jisilu.cn/question/517237? | 转债代码 | 转债名称 | 现价 | 强赎价 | 最后交易日 | 最后转股日 | 转股价值 | 剩余规模 | 转债占正股 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | | | (亿元) | 流通市值比 | | 127039 | 北港转债 | 132.518 | 101.130 | 2026-02-02-09 | 2026-02-12 | 132.83 | 0.226 | 0.10% | | 111016 | 神通转债 | 123.250 | 100.445 | 2026-02-09 | 2026-02-12 | 124.04 | 0.020 | 0.03% | | 113639 | 华正转债 | 194.075 | 100.153 | 2 ...

Core Viewpoint - The article discusses the challenges and perceptions surrounding investment and stock trading, particularly in the context of familial expectations and societal views on success and financial stability [1][2]. Group 1: Personal Experience and Perception - The author reflects on the misconception that simply attending university and moving to a big city guarantees financial success, highlighting the struggles faced in the workforce and entrepreneurship [1][4]. - There is a contrast between the author's current success in stock trading and the traditional views held by relatives, who equate investing with gambling and view it as a lack of ambition [2][3]. Group 2: Strategies for Managing Family Expectations - The author employs two main strategies to navigate family perceptions: 1. Downplaying income and expenses to avoid raising expectations and maintain a humble image [5][6]. 2. Involving relatives in small-scale investment opportunities, which allows them to perceive the author as a source of financial benefit, thus enhancing social standing within the family [8][10]. - The effectiveness of these strategies is noted, as they help to mitigate negative gossip and reinforce a positive reputation among relatives [7][9].

Core Viewpoint - The article critiques the insurance industry, suggesting that traditional insurance products often yield low returns compared to other investment options, and highlights the importance of alternative financial strategies such as investing and preventive health measures [1][4][7]. Group 1: Insurance Products - Many individuals perceive insurance products, particularly life and health insurance, as inadequate due to their low returns and high costs, with some arguing that the real inflation rate in China is around 10% to 12%, making 3% returns from insurance unappealing [2][3]. - The article emphasizes that critical illness and medical insurance often do not provide sufficient coverage, suggesting that individuals could spend less on specialized health check-ups instead of high insurance premiums [3][6]. - It is noted that accident insurance typically only covers the out-of-pocket expenses not reimbursed by health insurance, which may not justify the cost of the policy [3]. Group 2: Investment Alternatives - The article advocates for investing money rather than purchasing insurance, arguing that funds allocated to insurance could yield better returns if invested in other financial instruments [4][5]. - The discussion includes personal anecdotes about the effectiveness of low-cost health insurance options, such as the "惠民保" (Huimin Bao), which provided significant coverage for medical expenses, demonstrating that affordable insurance can be beneficial [5]. Group 3: Financial Industry Perceptions - There is a prevailing sentiment in the financial industry that insurance is viewed as a "negative expected return" product, with estimates suggesting a negative return of up to 50% in the domestic market [7]. - The article highlights a "financial hierarchy" where different sectors within finance look down on each other, illustrating a culture of elitism and competition among financial professionals [8][10].

曾喜 滋滋卖出嘉美转债的兄弟们，看到今年美国超级碗上追觅科技的广告了吗？是否会流下几滴悔恨的眼泪... 追觅科技有特斯拉的感觉，是个充满话题和争议的公司，包括创始人，能吹也能干，但是个极致doer，比坐在键盘前喷口水的talker（包括 我）还是强太多太多了。 | 转债代码 | 转债名称 | 类型 | 日期 | 公告 | | --- | --- | --- | --- | --- | | 118016 | 京源转债 | 不强赎 | 2026-02-11 | 公告 | | 113625 | 江山转债 | 不下修 | 2026-02-11 | 公告 | | 转债代码 | 转债名称 | 现价 | 强赎价 | 最后交易日 | 最后转股日 | 转股价值 | 剩余规模 | 转债占正股 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | | | (亿元) | 流通市值比 | | 118043 | 福立转债 | 143.809 | 100.397 | 2026-02-05 | 2026-02-10 | 144.23 | 0.010 | 0 ...

Group 1 - The article discusses how to create a permanent investment portfolio with 10 million that ensures a stable income for a child, emphasizing simplicity, cash flow, and diversification [1][3] - It suggests that the investment strategy should be easy to manage, ideally requiring no active management, and should provide stable cash flow to meet basic needs [1] - The portfolio should be highly diversified to allow for easy liquidation in case of urgent financial needs [1][3] Group 2 - There is a perspective that regardless of the child's perceived capabilities, the focus should be on practical financial management and ensuring the child understands the value of the inherited wealth [5][14] - The concept of family trusts is introduced as a potential solution to manage wealth effectively, with a recommendation for a 50:50 stock-bond ratio to outperform inflation over the long term [9] - Concerns are raised about the risks associated with the child's financial behavior and the importance of instilling financial literacy from a young age to prevent mismanagement of wealth [14]

Core Viewpoint - The article provides an overview of recent developments in convertible bonds, including strong redemptions, non-redemptions, and new listings, highlighting key financial metrics and upcoming dates for various bonds [1][2]. Group 1: Convertible Bonds Updates - Zhonghe Convertible Bond (众和转债) is subject to strong redemption [1][2]. - Yaoji Convertible Bond (姚记转债) and Jiemei Convertible Bond (洁美转债) will not undergo strong redemption [1][2]. - Hongtu Convertible Bond (宏图转债) has had its rating downgraded [1]. Group 2: New Listings and Mergers - Aide Technology (爱得科技) has launched a new stock on the Beijing Stock Exchange [1]. - Hailianxun has completed the absorption and merger with Hangqilun, resulting in the addition of 2.11 million shares listed [1].