养老规划

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一财播客| 一财×蚂蚁对话AI时代的危与机
第一财经· 2025-05-19 09:20
Group 1 - The article discusses the impact of artificial intelligence on daily life and work, emphasizing the need for rational thinking amidst emotional and entertainment-driven social media [1][2] - It highlights the importance of understanding historical context to navigate current societal challenges and the potential threats posed by silicon-based life forms to humanity [1][2] - The discussion includes the evolution of artificial general intelligence (AGI) and its implications for personal wealth management [2] Group 2 - The article addresses the changing landscape of investment habits, questioning the value of traditional assets like school district properties and suggesting new asset allocation strategies [2] - It emphasizes the need for a reevaluation of insurance, recognizing its service nature and the vast market potential it holds [2] - The challenges and responses related to retirement insurance are explored, alongside the role of technological advancements and corporate social responsibility in supporting retirement planning [2]
515投资者保护日 | AI科普、防非直播!嘉实基金荣获2025年度最佳投资者教育创新奖与最具影响力投教项目奖
Xin Lang Ji Jin· 2025-05-15 05:35
Core Insights - The results of the 2025 Annual Investor Education Case Selection by Sina Finance were announced, with Harvest Fund winning two awards: "Best Investor Education Innovation Award" and "Most Influential Investor Education Project Award" [1] Group 1: Innovation in Investor Education - Harvest Fund demonstrated significant achievements in investor education innovation, showcasing two selected cases that excelled in content format and dissemination effectiveness [6] - The first case, titled "Curiosity Camp: DeepSeek Ignites China's 'Sputnik Moment' in AI," provided an in-depth analysis of the DeepSeek topic, covering data value, industry chain layout, and business model innovation, resulting in 29,000 views, over 520 shares, 30 comments, and 700 likes [7] - The second case, the "Anti-Fraud Comic Series," focused on illegal fundraising, summarizing concepts, self-protection measures, and common scams, particularly targeting the elderly, achieving 24,000 views, 20 shares, 12 comments, and 16 likes [7][8] Group 2: Impact of Investor Education - Harvest Fund's video "Which Pension Method is Most Reliable?" systematically explored various pension models, providing scientific planning advice, with 12,000 views, 11 shares, 14 comments, and 68 likes [8] - The "Anti-Fraud" themed live broadcast event titled "I Am Consultant: Protect Your Wallet and Have a Happy Year" educated investors on illegal fundraising characteristics and prevention methods, garnering 120,000 views, 23 shares, 236 comments, and 13,000 likes [9] - These innovative educational projects not only enhanced investors' financial literacy but also set a positive example for the industry, showcasing Harvest Fund's professionalism and sense of responsibility in investor education [9]
母亲节特辑:哪些金融产品,适合给父母做养老规划?
银行螺丝钉· 2025-05-10 13:36
Core Viewpoint - The article discusses various financial products suitable for retirement planning, emphasizing the importance of understanding the three pillars of retirement: basic pension insurance, enterprise annuities, and personal pensions [2][4][5][7]. Group 1: Three Pillars of Retirement - The first pillar is basic pension insurance, commonly known as social security pensions, which helps meet basic needs after retirement [4]. - The second pillar is enterprise annuities, which are not widely adopted in China and are mainly found in economically developed regions and profitable industries [5][6]. - The third pillar consists of personal pensions, where individuals invest their own money for retirement, significantly impacting the disparity in retirement benefits [7]. Group 2: Financial Products for Retirement Planning - The article introduces four common financial products for retirement planning within personal pension accounts: pension funds, high-dividend funds, regular cash flow combinations, and pension annuities [12][54]. Pension Funds - Pension funds refer to public funds available for personal pension accounts, allowing tax deductions on contributions, which is beneficial for high-income individuals [10][11]. - Two main types of pension funds are discussed: pension FOF funds and index funds [13][19]. Pension FOF Funds - Pension FOF funds invest over 80% of their assets in other funds and are categorized into target date FOFs and target risk FOFs, with varying stock and bond allocations based on age [14][16][18]. Index Funds - As of March 31, 2025, there are 85 index funds included in personal pension accounts, covering 16 mainstream stock indices [20][22]. High-Dividend Funds - High-dividend funds, such as dividend index funds, are suitable for long-term holding, providing higher dividend yields over time [25][26]. Regular Cash Flow Combinations - The "Monthly Salary Treasure" investment combination offers approximately 6% annual cash flow, allowing flexible cash flow options [35][40]. - Investors can choose to receive cash flow weekly or monthly, with the total cash flow amount being stable over time [39][42]. Pension Annuities - Pension annuities provide a fixed annual income after a certain age, with minimal market volatility, making them suitable for those seeking predictable cash flow [55][58][61]. Group 3: Retirement Planning Strategies - For retirees, the "Monthly Salary Treasure" combination is recommended for immediate cash flow needs, while younger individuals can combine pension annuities and the "Monthly Salary Treasure" for a balanced approach [64][66]. - A hypothetical case illustrates a 50-year-old investing in both products to secure cash flow before and after retirement [67][71].
515投资者保护日 | 嘉实基金“守住钱袋子·过好幸福年”:普及金融知识 增强公众对非法集资的辨识力
Xin Lang Ji Jin· 2025-04-27 03:06
Group 1 - The "2025 Annual Investor Education Excellent Case Selection" event initiated by Sina Finance aims to promote investor protection and education [1] - Harvest Fund's educational projects have shown significant results, particularly two highlighted cases: a video on reliable retirement methods and a live broadcast on preventing illegal fundraising [1][2] - The video titled "Which Retirement Method is Most Reliable?" explores various retirement models and provides scientific planning advice, achieving 12,000 views, 11 shares, 14 comments, and 68 likes [1] - The live broadcast "I am an Advisor: Protect Your Wallet and Have a Happy Year" effectively raised awareness about illegal fundraising, garnering 120,000 views, 23 shares, 236 comments, and 13,000 likes [2] Group 2 - Harvest Fund's innovative educational projects enhance investors' financial literacy and set a positive example for the industry, showcasing their professionalism and sense of responsibility in investor education [2]
每日钉一下(关注这几项费用,买基金更省钱)
银行螺丝钉· 2025-04-14 13:53
近几年,大家对「养老」的重视度日渐提高,也是很多朋友比较关注的话题。 文 | 银行螺丝钉 (转载请注明出处) 申购费,一般由基金销售机构收取。 以股票基金为例,大多会在1%-1.5%。 不过,目前很多基金销售机构都会打折, 通常是打一折。 (2) 赎回费 · 养老,到底需要多少钱? · 储备养老金,真的有必要很早就开始规划吗? · 如 果要为养老做补充,有哪些品种值得考虑呢? 有5种。 (1) 申购费 ◆◆◆ 长按识别下方二维码,添加@课程小助手,回复「 个人养老 」即可领取~ 比如: 为了帮助大家掌握【 养老规划的方法 】,这里为大家准备了一门限时免费的课程,详细介绍了个人养老规划的相关问题。 这个贯用个需要我们身细父,而是从晏金 净值里直接扣除。 也就是说,我们每个交易日看到的基金净 值,是已经扣除了管理费之后的。 赎回费,通常在赎回基金时收取,很多时 候会归入到基金净值。 赎回费与持有的时间长度有关。 以股票基金为例,通常来说, ·如果持有不到7天就赎回,会有惩罚性赎 回费1.5%,所以要避免刚买入就赎回。 ·如果持有时间超过7天,但在1-2年内, 大多数基金会有0.5%的赎回费。 ·如果持有1-2年以 ...
每日钉一下(通过基金赚钱,算不劳而获吗?)
银行螺丝钉· 2025-04-08 13:40
文 | 银行螺丝钉 (转载请注明出处) 行动方案》,里面提到要拓宽财产性收入 渠道。 像把钱存银行,每年的利息;自己房子出 租,获得租金;投资基金,基金的分红。 这些都属于财产性收入。 近几年,大家对「养老」的重视度日渐提高,也是很多朋友比较关注的话题。 比如: 为了帮助大家掌握【 养老规划的方法 】,这里为大家准备了一门限时免费的课程,详细介绍了个人养老规划的相关问题。 长按识别下方二维码,添加@课程小助手,回复「 个人养老 」即可领取~ ◆◆◆ · 养老,到底需要多少钱? · 储备养老金,真的有必要很早就开始规划吗? · 如 果要为养老做补充,有哪些品种值得考虑呢? 咱们传统文化中提到要劳动致富。那通过 指数基金赚钱,算不算"不劳而获"呢? 劳动性收入,和财产性收入并不冲突。 劳动致富目的是获得新增劳动性收入。通 过劳动积累下来的存量财富,是可以产生 财产性收入的。 一个是增量,一个是存量。 指数基金,不算是"不劳而获"的资产。 投资指数基金确实门槛低、看起来容易。 但是在股票、指数基金上,长期存在"七 亏二平一赚"。 相较存款来说,指数基金是一个对认知、 行为能力、执行力要求较高的资产类别。 大多数人只 ...
每日钉一下(为什么汇率波动对金融市场影响这么大呢?)
银行螺丝钉· 2025-04-02 13:51
文 | 银行螺丝钉 (转载请注明出处) 近几年,大家对「养老」的重视度日渐提高,也是很多朋友比较关注的话题。 美元汇率有关。 例如2024年9月下旬,美元汇率出现了大 幅贬值。当时全球非美股市场,涨幅就超 过美股,欧股、亚太地区股市普涨。 2025年1月中旬至3月中旬,美元再次贬 值,美股这段时间也跑输市场,欧股、A 股港股上涨较多,港股涨幅成为这段时间 里的全球第一。 为啥汇率波动对金融市场影响这么大呢? 比如: 为了帮助大家掌握【 养老规划的方法 】,这里为大家准备了一门限时免费的课程,详细介绍了个人养老规划的相关问题。 长按识别下方二维码,添加@课程小助手,回复「 个人养老 」即可领取~ ◆◆◆ · 养老,到底需要多少钱? · 储备养老金,真的有必要很早就开始规划吗? · 如 果要为养老做补充,有哪些品种值得考虑呢? 虽然股票市场比较出名,但从成交量上, 外汇市场的成交量,是全球股票市场成交 量的数倍。 外汇市场是最大的一个金融市场。 所以汇率稍有波动,对其他金融资产也会 产生冲击。 汇率,可以简单理解为,一个国家所对应 的全部资产之和。 汇率升值,对一个国家对应的资产有利。 不过,汇率并不是呈现"单边 ...
每日钉一下(做空,是如何赚钱的?)
银行螺丝钉· 2025-03-21 14:00
文 | 银行螺丝钉 (转载请注明出处) 近几年,大家对「养老」的重视度日渐提高,也是很多朋友比较关注的话题。 长按识别下方二维码,添加@课程小助手,回复「 个人养老 」即可领取~ ◆◆◆ · 养老,到底需要多少钱? · 储备养老金,真的有必要很早就开始规划吗? · 如 果要为养老做补充,有哪些品种值得考虑呢? 比如: 为了帮助大家掌握【 养老规划的方法 】,这里为大家准备了一门限时免费的课程,详细介绍了个人养老规划的相关问题。 ▼点击阅读原 文,免费学习大额家庭资产配置课程 ...
每日钉一下(什么情况下,基金会清盘?)
银行螺丝钉· 2025-03-15 14:01
文 | 银行螺丝钉 (转载请注明出处) 近几年,大家对「养老」的重视度日渐提高,也是很多朋友比较关注的话题。 比如: 为了帮助大家掌握【 养老规划的方法 】,这里为大家准备了一门限时免费的课程,详细介绍了个人养老规划的相关问题。 长按识别下方二维码,添加@课程小助手,回复「 个人养老 」即可领取~ ◆◆◆ · 养老,到底需要多少钱? · 储备养老金,真的有必要很早就开始规划吗? · 如 果要为养老做补充,有哪些品种值得考虑呢? 到,有的基金跌到快清盘了。 有朋友问,什么情况下,基金会清盘呢? (1) 通常部分私募基金会设置清盘线。 因为私募基金可以上杠杆投资股票、也可 以集中只投资1-2只股票。 这两种投资策略,都有可能导致私募基金 本金永久性亏完。 所以这类私募基金,很多渠道要求在基金 成立的时候增加清盘线。 一旦接近清盘线,需要被迫卖出股票,降 低股票仓位。 不过也不是所有的私募基金都有清盘线。 比如很多 FOF类的私募,如果不上杠杆投 资,就没有设置清盘线。 (2) 公募基金绝大部分都没有清盘线。 通常公募基金不会因为下跌而清盘。 但公募基金有另一种清盘的情况,就是下 跌后,基金的规模缩水到非常小。 如 ...
【惊喜】尊享十重礼!一起种下幸福养老种子
中国建设银行· 2025-03-13 07:22
移的上月账单已生成 点击查询 > 【十重礼】 和 养老的种子 种下绿苗,收获希望,又是 一年植树节。 树苗需要经过数年才会长成 参天大树,养老规划也需要 尽早开启。 01 / 尊享十重礼! 一起种下幸福养老的种子 点击下方按钮立即开户,并有机会享受尊享十重礼权 益,最高可领2000元权益! 立即开户 >> 02 种一棵树最好的时间是十年前,其次是现在 养老规划并不只是老年人才需考虑的事, 反而越早开始越有优势。 以个人养老金为例,每年初按上限缴存12000元,假 定同样的投资收益率,更早地开启养老投资,缴存的 年限越长,预估到手的个人养老金也是更充裕的,更 能享受时间的复利效应。 养老规划为何要趁早 | 假定年化收益率 | 3% | 5% | 10% | | --- | --- | --- | --- | | 25岁(缴存35年) | 72 | 110 | 347 | | 35岁( | 44 | 58 | 126 | | 45岁(缴存15年) | 22 | 26 | 41 | | 55岁( 缴存5年) | 6 | 7 | 8 | 个人向个人养老金资金账户的缴存,按照12000元/ 年的限额标准,在综合所得或经 ...