有意思的红包封面，不止于好看，更是一份 抢 先 送达 的 祝福 。 今天是立春，美好的祝福随春风一同送 达。 马，首先是对2026 丙 午马年的温暖回应。在中国传统文化中，马与无数美好意象紧密相连—— 从 "马到 成功" 的吉兆到 "龙马精神" 的气象，从 "马驮金鞍" 的富足到 "马踏飞燕" 的超越，它本身就是进取的化 身，象征着突破阻碍、一往无前的行动力。 被拉长的马，还有"加码"之意。衷心祝愿好朋友们在新一年中幸福加码。此外，加"马"还是Gamma的谐 音。借金融术语中象征"加速度"的Gamma之力，祈愿所有美好进程，皆能加速抵达。 加"马"的重点是什么？我 们送上四份祝福——"财富"、"知识"、"健康"以及"快乐"。 作为一家以投资为主业的资产管理机构，从本职出发，我们当然希望您在新的一年能够实现财富增值。 好投资离不开好认知。唯有 持续学习、更新思维，才能让 财富 活 水长流，穿越周期波澜。 健康 ，是 所有可能性的前提。在快节奏的时代，身心平衡是最值得长期投资的"基本盘"，它支撑着我们 从容应对变化，掌握生活的主动。 在蛇年，我们曾将"朋友"二字藏进"盆满钵满"与"年年有余"之中，寓意与好朋友共聚 ...

本次展销会以2026丙午马年为设计灵感，精选一系列融合文化内涵与投资价值的贵金属产品。现场展品 涵盖马年主题饰品、多种规格投资金条，以及"十二生肖"金元宝、"福运金葫芦"等上百款产品，全面满 足客户自藏、礼赠与资产配置的多元化需求。 为回馈广大客户长期以来的支持，进一步满足客户在投资收藏与节日馈赠等方面的需求，近日，东台农 商银行成功举办"鑫福马年金品臻藏"贵金属主题展销会。 未来，东台农商银行将继续围绕客户需求，开展形式多样的财富增值活动，助力客户实现资产稳健配置 与价值提升。仲慧鑫 活动期间，1元竞拍、购品拆红包等互动环节吸引众多客户积极参与。现场交流氛围热烈，客户对贵金 属的市场前景与收藏价值表现出浓厚兴趣，纷纷咨询并选购心仪产品。经统计，本次活动共实现成交 103笔，累计销售金额达323万元。 总行副行长吴海兵对到场客户表示衷心感谢，并现场抽取两名特等奖，为本次展销会画上圆满句号。 ...

Core Insights - The article emphasizes that merely saving money is insufficient in the face of inflation and rising living costs, advocating for effective money utilization to achieve wealth growth [1] Group 1: Risks of Pure Saving - Relying solely on saving money overlooks the impact of inflation, which often exceeds the interest rates of savings accounts, leading to a decline in real purchasing power [3] - Pure saving lacks long-term financial planning, resulting in inefficient use of funds and slower wealth growth compared to rising prices [3] - The opportunity cost of saving is significant, as funds could be invested in higher-return channels instead of being left idle in a bank [3] Group 2: Wealth Growth Strategies - The power of compound interest is highlighted as a key tool for wealth growth, with an example showing that investing 100,000 annually at an 8% return could yield 10 million after 30 years [3] - Proper asset allocation is crucial for wealth growth, recommending diversification across various asset types such as stocks, bonds, funds, and real estate to reduce risk and enhance returns [3] - Long-term investment is presented as a vital strategy, as quality assets tend to provide stable returns over time despite short-term market volatility [3] Group 3: Investment Approaches - Multi-channel investment is advised to effectively spread risk, suggesting allocations to stocks, bonds, funds, real estate, and entrepreneurial projects [4] - Regular fixed-amount investments can smooth out costs during market fluctuations, leading to stable returns over time [4] - Enhancing personal skills is identified as an important avenue for wealth growth, as increased professional capabilities can lead to higher income and more investment capital [4] Group 4: Financial Management - Managing debt wisely can enhance capital efficiency, with low-interest loans used to acquire high-yield assets demonstrating leverage benefits [4] - Establishing an emergency fund is essential for financial management, with recommendations for it to cover 6-12 months of living expenses to handle unexpected events [4] - Insurance planning is necessary to provide economic security for families, helping to mitigate significant financial risks [4] Group 5: Financial Goals and Learning - Setting clear financial goals is the starting point for financial freedom, with both short-term and long-term objectives guiding investment strategies [4] - Continuous learning and adaptation to changing financial markets are crucial for leveraging new investment tools and strategies effectively [4] - A positive mindset is essential for wealth growth, as maintaining calm and rationality during market fluctuations is key to adhering to sound financial principles [5]

Core Insights - The white paper released by Wantong Insurance and Hurun Research Institute explores the financial investment needs and trends of China's high-net-worth individuals (HNWIs) for 2025 [1][3] Group 1: Financial Asset Allocation - The average net worth of surveyed HNWIs is 37 million RMB, with over half being business owners [1][3] - The primary sources of funds for these individuals are operating income (37%), salary income (28%), and investment returns (22%) [1][3] - Funds are mainly allocated to financial investments (79%), children's education (66%), and insurance purchases (60%), reflecting their core wealth demands: wealth appreciation, wealth inheritance, and risk isolation [1][3] Group 2: Investment Strategies - HNWIs generally adopt a diversified asset allocation strategy, holding an average of 5 to 6 different investment products, primarily low-risk bank products (25%) and insurance (19%), along with growth assets like stocks (14%) [2][4] - To seek safety, hedging, and appreciation, HNWIs plan to increase allocations in insurance (47%), gold (42%), and stocks (34%), while reducing low-yield assets such as bank savings, wealth management, and money market funds [2][4] - 45% of surveyed HNWIs have begun to allocate overseas financial products, with overseas assets averaging 20% of their total assets, favoring overseas insurance (28%), bank savings/wealth management/money market funds (20%), and stocks (17%) [2][4] Group 3: Future Trends - In future planning, HNWIs continue to focus on education, investment, and insurance while placing greater emphasis on health care, indicating an increased awareness of preventive health insurance [1][3] - They are also adopting more prudent financial behaviors by cutting back on luxury items, social spending, and entertainment expenses, leading to a comprehensive reduction in non-essential consumption [1][3]

Group 1 - The essence of wealth appreciation is to make money work by investing and allocating it wisely, rather than letting it sit idle in a bank [2] - Compound interest is described as the "eighth wonder of the world," emphasizing the importance of stable, sustainable returns over time [3] - Safety is a prerequisite for wealth growth, highlighting the need for an emergency fund to ensure basic living standards before pursuing high returns [4] Group 2 - Savings serve as the starting point for wealth growth, with the suggestion to adopt a habit of saving a portion of income regularly [5] - Index funds are presented as a cost-effective investment option for ordinary people, offering risk diversification and long-term market tracking [6] - Low-risk financial products like government bonds and money market funds provide stability and act as a buffer during market fluctuations [7] Group 3 - Ordinary individuals should resist the temptation of "get-rich-quick" schemes, as high returns often come with high risks [8] - Emotional decision-making can hinder investment success; setting a clear investment plan is crucial to avoid impulsive actions during market volatility [9] - Continuous learning and improving financial literacy are essential for making informed investment choices [10] Group 4 - Time is a friend of wealth, and patience is necessary for growth; frequent trading can lead to increased costs and potential losses [12] - Delaying gratification can convert immediate consumption desires into future wealth accumulation [13] - Investing in quality assets, such as personal development or promising industry funds, can lead to shared growth in wealth [14] Group 5 - Wealth is a means to achieve freedom of choice, allowing individuals to pursue passions and spend time with loved ones [15] - Rational consumption focuses on spending money on what is truly needed and valued, redirecting savings towards investments or meaningful experiences [16] - Wealth encompasses not just financial assets but also the transfer of knowledge and wisdom, fostering a culture of financial literacy among family and friends [17]

Group 1 - The core viewpoint is that real estate, once considered the most reliable investment in China, is now facing a divided market with varying performance across different cities and locations [1][3] - In major cities, property values remain strong, but in lower-tier cities, there is significant inventory and declining prices, leading to potential financial burdens for investors [1][3] - The traditional belief that owning property equates to financial security is challenged, as high mortgage payments can lead to cash flow issues, preventing investment in other opportunities [3][4] Group 2 - The article suggests that real estate should not be viewed as the sole investment avenue; diversification into stocks, funds, and other assets is recommended for wealth growth [3][4] - For personal use, purchasing a home is justified as a necessity, but for investment purposes, careful consideration of city, location, and policies is crucial [4] - The conclusion emphasizes that real estate is just one option among many for asset allocation, and blind faith in property as a wealth generator can lead to missed opportunities [4]

Core Viewpoint - Bumiputra (Beijing) Investment Fund Management Co., Ltd. focuses on "professional financing and stable returns" to provide safe, efficient, and sustainable wealth enhancement services for investors [2] Group 1: Company Overview - The company relies on a professional team and rigorous risk control system, demonstrating exceptional capabilities in financing management, asset allocation, and investment strategies [2] - Through in-depth market analysis and precise project selection, the company identifies high-quality assets to efficiently connect funds with projects [2] Group 2: Risk Management - The company emphasizes risk control by employing diversified investment portfolios and dynamic adjustment strategies to minimize the impact of market fluctuations, ensuring stable returns for investors [2] Group 3: Client-Centric Approach - Bumiputra adheres to a "people-oriented, integrity first" business philosophy, providing customized financial service solutions based on client needs [2] - Whether for corporate financing or personal wealth management, the company adopts a professional and prudent attitude to create long-term and stable investment returns for clients [2] Group 4: Future Outlook - The company plans to deepen industry research, expand cooperation areas, and continuously improve service levels to help investors achieve their wealth dreams [2]

Core Insights - 百盛社区 has launched three funds to cater to the diverse investment needs of its members, focusing on wealth growth in response to global economic changes [1] Fund Summaries - The Speed Fund targets members with a preference for short-term trading and higher risk tolerance, investing in assets like Bitcoin, Ethereum, and gold, utilizing smart trading systems and intraday strategies for efficient capital appreciation [3] - The Value Fund is designed for members seeking medium to long-term stable returns, investing in high-quality ETFs such as the S&P 500, NASDAQ 100, and CSI 300, employing diversified allocation and long-term holding strategies to achieve stable returns with controlled risk [4] - The Stability Fund focuses on low-risk, long-term growth, diversifying assets across indices, digital currencies, and precious metals, using a diversification strategy to mitigate risk and provide a long-term wealth growth channel for members [4] Community Support - 百盛社区 emphasizes member experience and professional support, with all three funds equipped with comprehensive risk control and real-time monitoring systems, backed by a professional team providing consultation and guidance to ensure transparent, safe, and sustainable investments [6] - Through these funds, members can meet diverse investment needs while enhancing their financial management skills, achieving steady wealth growth and long-term value accumulation [6]

Core Viewpoint - The article discusses the contrasting financial statuses and life choices of six male celebrities from TVB, highlighting their varying approaches to wealth and career in the context of a recent live-streaming event that garnered significant online attention [2][20]. Group 1: Financial Success and Investments - Guo Jin'an has transitioned from acting to becoming a successful investor, owning properties worth approximately 86.6 million RMB and recently listing his health and beauty company on the Hong Kong Stock Exchange, significantly increasing his wealth to around 500 million HKD [5][6]. - Wu Zhuoxi has built a substantial wealth portfolio through investments in real estate and collectibles, with an estimated net worth exceeding 100 million HKD, and has launched his own brand and NFT products during the pandemic [10][11]. - Wang Haoxin has made strategic property investments, including upgrading his living situation and purchasing a luxury apartment for his mother, indicating a strong focus on asset optimization [17][18]. Group 2: Diverse Career Paths - Gao Junxian has taken a unique approach by venturing into the automotive repair business, reflecting a passion-driven entrepreneurial spirit despite facing challenges in other ventures [12][15]. - Lin Xiaofeng represents a minimalist lifestyle, opting for practical choices over luxury, and has recently experienced a career resurgence, emphasizing a focus on personal comfort over financial display [19][20]. Group 3: Cultural Impact and Audience Perception - The live-streaming event showcased the celebrities' genuine selves, contrasting with typical glamorous portrayals, and resonated with audiences who appreciated their authenticity and relatability [2][20]. - The article suggests that these celebrities, through their varied life experiences and financial strategies, convey a message that middle age can be a time for new opportunities rather than decline, challenging societal norms around aging [20].

Core Insights - Asset management has become a crucial method for wealth growth for individuals and businesses in today's rapidly developing economy [1] - The article emphasizes the importance of optimizing asset allocation to maximize investment returns while controlling risks [1][3] - Wealth appreciation is identified as the ultimate goal of asset management, requiring deep market understanding and professional investment skills [3] - Personalized investment plans are essential, tailored to each client's unique financial situation, investment goals, and risk preferences [3] - Asset safety is a critical aspect of asset management, necessitating risk management measures and compliance with legal regulations to protect client funds [3][4] Asset Allocation - Asset allocation involves distributing funds across various asset classes such as stocks, bonds, and cash based on the investor's risk tolerance and market conditions [1] - A well-structured asset allocation strategy can balance risk and return, ensuring stable performance during market fluctuations [1] Wealth Appreciation - The article highlights that precise market analysis and investment decisions enable asset management services to capture investment opportunities across different market cycles [3] - Regular market reviews and strategy adjustments are necessary to adapt investment plans to market changes and continuously create wealth for clients [3] Personalized Investment Plans - Each client's financial status, investment objectives, and risk tolerance are unique, necessitating customized investment strategies [3] - Comprehensive financial analysis is conducted to understand clients' asset conditions, income levels, spending needs, and future plans [3] Asset Safety - Protecting client assets from losses is as important as pursuing wealth appreciation [3] - Asset management providers must implement risk management measures such as diversification and hedging strategies to mitigate the impact of market volatility [3] - Ensuring operational transparency and compliance with relevant laws and regulations is essential for safeguarding client funds [3][4]