顺博合金：关联交易未及时披露，收深交所监管函 九洲集团：股东拟合计减持不超1.78%公司股份 金钟股份：实际控制人的一致行动人拟减持不超0.92%公司股份 本文不构成任何投资建议，仅为信息分享。任何因本文导致的投资行为发生的亏损，本公众号 及作者概不承担任何责任。 集思录(www.jisilu.cn)是一个以数据为本的投资理财社区，专注于新股、可转债、债券、封闭 基金等数据服务。我们的理念是在保证本金安全的前提下，使资产获得稳健增长。 快捷查询： 搜索公众号"jisilu8"添加我们 灵康转债，东材转债，瑞丰转债，九强转债：不下修 关注集思录微信 特别提示 ...

Core Viewpoint - The article discusses an individual's financial situation and considerations for early retirement, highlighting income, expenses, assets, and liabilities, while reflecting on lifestyle choices and future plans [1][6]. Income Situation - The individual has a monthly net income of approximately 33,000 yuan, which includes salary and housing fund contributions [2]. - The individual has been investing in stocks for eight years, achieving an average return of 8.5%, but expresses concern over the volatility and sustainability of these returns [2]. Expense Situation - Fixed monthly expenses include a mortgage of 2,200 yuan and living expenses of 1,500 yuan. There are plans to purchase a car, which may increase future expenses [3]. - The individual currently lives in company-provided accommodation, with rent deducted from salary [3]. Asset Overview - Total assets include 150,000 yuan in cash, 50,000 yuan in a housing fund, approximately 2.8 million yuan in investment accounts, and a property valued at around 700,000 yuan [4]. - The individual has a net asset value of 2.5 million yuan, excluding the property from the calculation due to its market variability [6]. Liability Overview - Liabilities consist of a mortgage of 150,000 yuan, consumer loans of 150,000 yuan, and 200,000 yuan allocated for managing parents' finances [5]. Retirement Plans - The individual is considering early retirement due to dissatisfaction with current employment and a desire for a simpler lifestyle, believing that a 6% annual return on existing assets would suffice for future expenses [6]. - The individual expresses curiosity about activities post-retirement and reflects on the experiences of others who have retired early [6]. Lifestyle Considerations - There are discussions about the implications of being single at 35 and the potential for regret if not pursuing relationships or family [8]. - Suggestions are made regarding engaging in hobbies or entrepreneurial activities post-retirement, emphasizing the importance of maintaining social connections and financial stability [9][11].

Group 1 - The article discusses the challenges of long-term investing, highlighting that stocks often perform better after being sold, leading to frustration for investors [1][3][4] - It mentions specific companies like Hisense Electric and Yonghui Supermarket, illustrating the difficulties faced when holding onto underperforming stocks [1][2] - The author reflects on the unpredictability of the market, noting that stable profit companies may not yield expected returns while underperforming stocks can unexpectedly rise [3][4] Group 2 - The article emphasizes the importance of understanding market dynamics and avoiding reliance on social media opinions, which can lead to poor investment decisions [7][12] - It suggests that investors should consider low-risk options like convertible bonds or index funds, especially when market conditions are uncertain [5][12] - The discussion includes the notion that successful investing requires patience and a long-term perspective, as many stocks may take years to appreciate [11][14]

Group 1 - The article discusses the increasing difficulty for students to secure good educational and job opportunities, likening it to the competitive nature of the stock market where only a small percentage can succeed [1][2] - It highlights that the current generation of students faces more intense competition and higher expectations compared to previous generations, leading to a significant increase in the disparity of outcomes [1] - The author reflects on the changing landscape of the stock market, suggesting that it is becoming harder for investors to achieve consistent returns as market knowledge among new investors increases [2][3] Group 2 - The article suggests that the next long period will not be as profitable for individuals as the past 30 years, indicating a shift towards slower economic growth and potentially declining incomes [3] - It emphasizes the importance of adapting to a low-demand society, where traditional methods of wealth generation may no longer be effective [3]

Core Viewpoint - The article discusses the challenges and considerations involved in managing a friend's investment in mutual funds, particularly in the context of significant losses and the decision-making process regarding whether to redeem or hold the investment. Group 1: Investment Experience and Current Situation - The friend lacks experience in secondary market investments and made a significant mutual fund purchase based on trust in a bank manager, resulting in a current loss of approximately 30% [1] - The friend does not have an immediate need for the invested funds, allowing for a long-term perspective on the investment [1] Group 2: Decision-Making Considerations - The author suggests that if the funds were personally owned, a complete redemption followed by low-risk investments would be preferred, indicating a belief in a more secure investment path [1] - Advising a complete redemption carries risks, as market conditions could improve unexpectedly, leading to potential regret [1] - Decision-making should focus on future potential rather than historical costs, advocating for a strategy that offers better returns and lower risks [1] - A gradual redemption approach could be considered, allowing for flexibility in decision-making [1] Group 3: Perspectives from Others - Some contributors emphasize the importance of not intervening in the friend's investment decisions, as any advice could lead to blame if outcomes are unfavorable [3][4][5] - The sentiment is echoed that once advice is given, it can lead to ongoing inquiries and potential strain on the relationship [6][7][8] - The notion that holding onto investments, even in loss, is a common psychological response among investors is highlighted, suggesting that many prefer to wait for a recovery rather than cut losses [12][14]

Group 1 - The core viewpoint of the article highlights that several companies' major shareholders are planning to reduce their stakes, with specific percentages mentioned for each company [1]. Group 2 - Kangtai Medical's controlling shareholder intends to reduce their stake by no more than 3% [1]. - Wuzhou Jinlun's shareholder plans to reduce their stake by no more than 3% [1]. - Ruihua Tai's shareholder aims to reduce their stake by no more than 1% [1]. - Yinbang Co., Ltd.'s shareholder is also looking to reduce their stake by no more than 1% [1]. - Shunbo Convertible Bonds will not undergo a downward adjustment [1].

投机 jsl是葛朗台大本营，问就是1%。 ericericeric 一辆车10万，滴滴每次30元，可以打3333次，就算1年几乎每天打车，也可以打10年，还没 算上买车需要的油费电费，过桥费，折旧费，保养费，停车费等等一大堆费用，从投资角度 看租确实比买更划算。 zoetina52 等我有钱了我就买个武林红光 把后面座位全拆了改成张床。 外面贴上车衣 左边汪汪队，右边奥 特曼。 再弄个好空调冬暖夏凉， 每天送孩子上学时候孩子都能在路上多睡一会 在学校门口接送孩子的时候 也能保证孩子能是全校最亮的仔。 想想就吊爆了 再等四年孩子上小学了我立马就干， 钱不钱的无所谓 别人觉得我脑子有病也无所 谓， 孩子开心值千金。 向DS问这个问题，感觉回答的比例高得离谱，其答： 没有绝对标准，但普通家庭建议将购车支出控制在净资产的20%以内，高净值家庭可适当放 宽。核心原则是： 不影响家庭应急能力、长期理财目标及生活质量 。若需贷款，务必计算总 利息成本，避免过度杠杆。 心想则事成 @投机 jsl是葛朗台大本营，问就是1% 花有重开日，人无再少年。朝花夕拾却无味。 葛朗台挺悲催的，谁愿意真的成为葛朗台，只不过是大家都觉得自己还 ...

Group 1 - Shareholders of Huakang Clean intend to reduce their holdings by no more than 3% of the company's shares [1] - Shareholders of Zhongtian Jingzhuang plan to collectively reduce their holdings by no more than 3% of the shares [2] - New shares for Weigao Blood Products and Taili Technology are available for subscription on the Shanghai and Shenzhen stock exchanges [1][2] Group 2 - Fengyu Convertible Bond and Wanshun Convertible Bond have not reached the bottom for adjustment [2] - Qifan Convertible Bond, Lanfan Convertible Bond, and Shenghong Convertible Bond will not undergo adjustments [2]

Group 1 - The article discusses various companies' shareholder activities, including planned share reductions and increases [2] - Youzu Network's shareholders plan to reduce their holdings by up to 2.99% [2] - Huamao Technology's controlling shareholder intends to increase their stake by 100 million to 200 million yuan [2] - Tongyu Heavy Industry's actual controller will change from Zhuhai State-owned Assets Supervision and Administration Commission to Shandong State-owned Assets Supervision and Administration Commission, with a resumption of trading on May 7 [2] - Yunda Holdings' controlling shareholder also plans to increase their stake by 100 million to 200 million yuan [2] - The article mentions adjustments in convertible bonds, with Shouhua Convertible Bond not undergoing a bottom adjustment, while Yuxing and Shengxun Convertible Bonds will not be adjusted [2] - Hanbang Technology is mentioned in the context of new stock subscriptions on the Shanghai and Shenzhen exchanges [2]

大家都知道我在处理家庭房产，五一期间处理掉的这套是自主房，房子保养得很好，但所处 的位置有硬伤，旁边主干道有车流噪音，很多客户介意这一点。 晚上，在客户到来之前，中介告诉我老婆这个客户的心理预期是 780，实际上这是谎言。中 介建议老婆以 858 开价。 双方见面，交流了最初的报价之后，中介就将老婆与客户隔开，中介来回传话交流。这个时 候，中介跟老婆说客户不愿加价，并问我们的底价情况，然后问如何支付中介费，最后跟老 婆商量好，如果能谈成800 以上的价格，超过 800 的部分作为中介费。 老婆觉得不可能谈成多高，就同意了， 然后，中介再将双方拉到一起，告诉老婆，客户同意 848 成交... 于是，它们在这笔交易中，狠赚48万以上。至于它们问客户还收取了多少中介费，我不知道。 我心里真实很同情这对客户，你跨区看房，要多看看了解下市场定位啊！女方处于怀孕状 态，以前居住条件不好，现在急于购房，有点着急，唉！另外，买房子还价怎么能只还 10 万！以前的客户都是七八十万砍价！这对客户是第一次购房，完全没经验！ 800 实收这个价格，我和老婆没什么不满意，这个价格符合我们的预期。我们生气的原因主 要是中介在交易过程中的 ...