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黄金投资新趋势:京东布局“Z世代”
Sou Hu Cai Jing· 2025-07-04 00:44
Group 1 - JD.com has been involved in gold accumulation business since 2019, making it one of the earliest players among large internet platforms in China [1][3] - The company emphasizes the need for diverse asset options to meet investors' varying demands across different market cycles [1][3] - There is a growing trend of younger generations, particularly those born in the 1990s and 2000s, becoming gold investors, driven by social media discussions around gold investment [3][4] Group 2 - The low investment threshold for gold, such as products like "gold beans" and "gold seeds" that allow investment in small weights, appeals to younger investors [4] - A recent government initiative outlines key tasks for the gold industry from 2025 to 2027, aiming for a 5% to 10% increase in gold resource capacity and over 5% growth in gold and silver production [4] - Experts suggest that gold ETFs are a good liquidity management tool for domestic investors, while physical gold products may not be suitable for frequent trading [4] Group 3 - Analysts predict that gold prices may experience fluctuations and potential mid-term adjustments due to significant price increases earlier in the year [4] - Dollar-cost averaging is recommended as an optimal strategy for purchasing gold, encouraging investors to buy whenever they have spare funds without trying to time the market [4]
一个可以睡眠安稳的投资方法
雪球· 2025-07-02 09:55
Core Viewpoint - The article emphasizes the importance of asset allocation as a proactive strategy in navigating market uncertainties, suggesting that investors should focus on configuring their portfolios rather than attempting to predict market movements [2][4]. Group 1: Uncertainty in the Market - Uncertainty is presented as the only certainty in the market, influenced by factors such as Federal Reserve interest rate paths, geopolitical events, and economic news [3]. - The article argues that while more information is expected to lead to rational market behavior, it often results in increased noise and volatility [3]. Group 2: Essence of Asset Allocation - The essence of asset allocation is to avoid concentrating investments in a single area, promoting the idea of diversification across various asset classes [5]. - The Nobel laureate Harry Markowitz's principle of diversification is highlighted, stating that true diversification involves balancing assets across three dimensions: asset types, markets, and time [6]. Group 3: Diversification Dimensions - **Asset Diversification**: Investors should spread their assets across different types of investments, such as stocks for growth, bonds for stability, and gold/REITs for risk mitigation [7]. - **Market Diversification**: It is advised not to concentrate investments solely in one market, such as Chinese A-shares or US stocks, as different markets have low correlation, which can reduce overall portfolio volatility [8]. - **Time Diversification**: The article suggests using dollar-cost averaging to mitigate the risks of market timing, allowing for smoother investment experiences over longer periods [9]. Group 4: Investment Strategy - The article introduces a "three-part method" for asset allocation, dividing investments into three categories: cash protection, stable returns, and long-term growth [10][11]. - A suggested allocation is 20% in cash protection (money market funds and bank products), 40% in stable returns (bond funds and mixed funds), and 40% in long-term growth (index funds) [12][13]. Group 5: Conclusion on Asset Allocation - Asset allocation is described as a personalized approach that should align with an individual's lifestyle, risk tolerance, and life stage, rather than a one-size-fits-all formula [17]. - The article concludes that the key to successful investing is not just what is purchased, but the reasoning behind the allocation and the ability to maintain a stable mindset [17][18].
普通人自己DIY资产配置方案,比单押主动基金靠谱多了
雪球· 2025-06-28 04:55
Core Viewpoint - The article emphasizes the advantages of DIY asset allocation for ordinary investors, suggesting that it can outperform actively managed funds and benchmark indices, as evidenced by a 6.23% return in the first half of the year [2][4]. Group 1: Advantages of DIY Asset Allocation - **Advantage 1: Unrestricted Investment Scope** DIY asset allocation allows investors to diversify across various asset classes without the constraints faced by mutual funds, which are limited by their contracts [5][6]. This flexibility enables investors to capitalize on different economic cycles and opportunities, such as stocks during economic upturns and bonds during downturns [8]. - **Advantage 2: Flexible Position Adjustment** Investors can adjust their asset allocation more freely compared to mutual fund managers, who face strict position limits. This flexibility allows for better risk management during market volatility [9][10]. - **Advantage 3: Aligned Interests** DIY investors do not face the same pressures as fund managers, such as short-term performance metrics and management fees tied to fund size. This allows for a focus on long-term investment strategies without the need to cater to market trends [11][12]. Group 2: Steps for Asset Allocation - **Step 1: Risk Assessment** The first step involves completing a risk assessment to determine the investor's risk tolerance, expected returns, and investment duration, which informs the optimal asset allocation [13]. - **Step 2: Create a Low-Correlation Asset Allocation Plan** A diversified portfolio should include assets with low correlation to mitigate risk. For example, a combination of bonds, A-shares, Hong Kong stocks, US stocks, and gold can provide a balanced approach [15][18]. - **Step 3: Initiate Regular Investment** After establishing the asset allocation plan, investors should engage in regular investments (dollar-cost averaging) to minimize emotional decision-making and benefit from market averages [23][24]. - **Step 4: Dynamic Rebalancing** Investors can manage their portfolios more dynamically, taking advantage of price discrepancies among low-correlation assets. This involves selling overvalued assets and buying undervalued ones, facilitated by alerts for rebalancing [25][26]. Group 3: Additional Services - The article mentions that using the proposed asset allocation method provides additional services such as monthly reports, real-time asset diagnostics, and personalized support, enhancing the investment experience [29]. Group 4: Investment Philosophy - The "three-part method" promotes a philosophy of long-term investment and asset allocation, focusing on diversification across assets, markets, and timing to achieve a balanced risk-return profile [30].
雪球三分法:如何帮助普通人构建稳健投资体系?
Sou Hu Cai Jing· 2025-06-20 10:48
Group 1 - The core concept of the article emphasizes the importance of a long-term investment strategy, specifically the "Snowball Three-Point Method," which focuses on asset diversification, market diversification, and time diversification to achieve sustainable returns while managing risks [1][9] - The article highlights the pitfalls of chasing short-term gains through high-performing funds, illustrating that many investors who bought into popular funds in 2021 faced significant losses instead of the expected returns [1][2] - It discusses the low correlation between different asset classes, such as the negative correlation between bonds and stocks, which can help mitigate overall portfolio volatility during market downturns [2][3] Group 2 - The article presents a classic asset allocation strategy of 30% stocks, 55% bonds, 7.5% gold, and 7.5% commodities, which achieved a cumulative return of 100.26% with an annualized volatility of only 5.73% from 2014 to 2023 [7][8] - It emphasizes the significance of global diversification, noting that different economies have varying asset performance, which can provide opportunities for risk reduction through geographic diversification [3][4] - The article advocates for a disciplined investment approach, such as dollar-cost averaging, to smooth out costs and enhance investor confidence during market fluctuations [5][6] Group 3 - The importance of regular rebalancing of the investment portfolio is highlighted, as it can improve annualized returns and reduce volatility by maintaining the target risk-return profile [8] - The article underscores that the ultimate goal of investing is to enhance asset value to support life goals, encouraging investors to shift focus from short-term speculation to a systematic investment framework [8][9] - It concludes that the Snowball Three-Point Method offers a replicable and executable investment framework, allowing investors to establish their own investment order in complex market environments [9]
如果投资是一场高考,该如何书写这份“财富答卷”?
天天基金网· 2025-06-06 11:02
一年一度高考季,多少青春在考场里无声拼搏,十年寒窗,只待一朝金榜题名。而当我们走出校门,踏 入社会,另一场没有固定考场、却伴随终身的"大考"悄然拉开帷幕——投资。 它同样检验智慧、考验 心性、磨砺耐力,在时间的长河中书写着我们的"财富答卷"。 那么该如何答好这份 不限时的开卷考呢? 高考时,心态不稳、患得患失,极易导致失误。基金投资中,市场的波动起伏如同考卷上的难题,时刻 考验着投资者的神经。追涨杀跌、频繁操作、情绪化决策,是考场上的"低级失误",往往导致亏损离 场。 "定投"即"应试策略" :定期定额投资,如同严格执行答题计划。它无视短期市场噪音,强制你在市场 低位积累更多份额,高位自动减少买入,有效摊薄成本,克服人性弱点。无论市场是"牛气冲天"还 是"熊途漫漫",坚持扣款,时间会奖励这份纪律。 分散配置防"偏科" :高考不能只攻一门,投资同样忌讳"孤注一掷"。将资金分散投资于相关性较低的 不同资产类别和不同市场区域,构建投资组合。这能有效分散风险,避免单一市场或行业大幅波动带来 的致命打击。 "考卷"有难易,但策略恒久远 :市场先生情绪多变,牛市如春风得意,熊市似寒风刺骨。优秀的投资 者不会被一时的行情牵 ...
[5月27日]指数估值数据(螺丝钉定投实盘第366期:投顾组合发车;个人养老金定投实盘第16期;养老指数估值表更新)
银行螺丝钉· 2025-05-27 13:52
Market Overview - The overall market showed little fluctuation, closing at a five-star rating [1] - Large and mid-cap indices experienced slight declines, while small-cap stocks saw minor gains [2] - Value style remained stable, whereas growth style faced significant declines [3] Sector Performance - The pharmaceutical industry demonstrated relative strength, with an overall increase [4] - Hong Kong stocks initially dipped but gradually rose in the afternoon, closing higher with technology, consumer, and pharmaceutical indices all up [5][6] Global Market Trends - In early April, global stock markets experienced considerable declines [7] - Following this, Hong Kong stocks rebounded for six consecutive weeks, recovering all losses from early April [8][9] Earnings Reports - Recent earnings reports from Hong Kong stocks indicate strong growth, particularly in technology and pharmaceuticals, contributing to the market's strong performance this year [11][12] - If companies continue to show year-on-year earnings growth in the second and third quarters, the current economic downturn may gradually improve [13] Investment Strategy - The market is expected to benefit from a combination of "valuation enhancement" and "earnings growth" [14]
投资真有躺赚方法,只是大部分人不屑去用
雪球· 2025-05-27 08:35
作者: 懒人养基 以下文章来源于懒人养基 ,作者懒人养基 懒人养基 . 雪球21年度十大新锐用户、22年度基金影响力用户,私企业主,经济学硕士,《基金投资全攻略》作者。早期靠创 业获取主动收入,从17年开始,逐步将经营产生的余钱、闲钱,几乎全部逢低买入权益基金,从赚取主动收入慢慢 向赚取被动收入过渡。价值投资践行者 风险提示:本文所提到的观点仅代表个人的意见,所涉及标的不作推荐,据此买卖,风险自负。 来源:雪球 大家都抱怨投资难,但抱怨无用,想办法解决问题才是上策。 我在《提升自己的投资赚钱能力,就这几招》一文中曾说过,一靠自己不断小仓位实操、试错积累投资经 验,二靠借助专业机构的陪伴和服务提升自己。 其中,本身就较为成熟、被称为投资"唯一免费午餐"(躺赚)的资产配置方法,经过机构的悉心改进和完 善,可以让我们省去很多自己求索的功夫,比如已经推出几年的雪球三分法。 初初一看,三分法并没有什么高大上,很多人宁愿自己折腾也不屑去用,但它专治各种"一买就跌、一卖就 涨"的韭菜病,今天我们就来了解一下。 01 投资有不少错觉,而且很多人都会"中枪" 你是不是总在朋友圈刷到"牛基大涨"就心痒痒?是不是每天打开账户就忍不 ...
定投的本质是什么?
雪球· 2025-05-23 08:14
Core Viewpoint - The article emphasizes the benefits of systematic investment plans (SIPs) or dollar-cost averaging, arguing that it helps manage investment risks and emotions during market fluctuations [2][5][22]. Group 1: Problems Addressed by SIPs - SIPs allow investors to buy regardless of market price fluctuations, preventing the pitfalls of trying to time the market [5][6]. - Investors often hesitate to buy during market downturns, leading to missed opportunities and potential losses [9][12]. - SIPs help manage emotional responses to market volatility, reducing the likelihood of making impulsive decisions during market lows [13][14]. Group 2: Personal Investment Experience - The author shares personal experiences with SIPs, highlighting a case where the investment initially faced a -24% loss but later recovered to -2.9% due to continued investments during market lows [15][19]. - The article discusses specific funds, such as the Huatai-PB Southeast Asia Technology ETF and Manulife India Equity Fund, showcasing their performance and recovery from losses [16][20]. Group 3: Importance of Selecting the Right Assets - The article stresses the necessity of choosing long-term upward-trending assets for SIPs to ensure positive outcomes over time [22][24]. - Historical examples, such as gold and the Nasdaq 100 index, illustrate that long-term investments can yield profits even when purchased at market peaks [26][27]. Group 4: Investment Philosophy - Viewing SIPs as a method of accumulating wealth rather than short-term trading can enhance commitment to the investment strategy [28].
[5月19日]指数估值数据(价值策略指数有哪些;月薪宝发薪日;黄金星级更新)
银行螺丝钉· 2025-05-19 13:45
Core Viewpoint - The article discusses the performance and characteristics of value and growth investment styles in the stock market, highlighting the increasing popularity of value strategies, particularly dividend indices, in the current economic environment. Group 1: Market Overview - The market showed minor fluctuations today, with the Shanghai and Shenzhen 300 indices slightly down while small-cap stocks experienced slight gains [2][6]. - Value style stocks tend to exhibit lower volatility during market fluctuations, making them more resilient [3]. - Growth style stocks have seen a slight decline in performance [5]. Group 2: Value and Growth Investment Styles - Value style stocks are characterized by lower price-to-earnings (P/E) and price-to-book (P/B) ratios, along with higher dividend yields, often found in sectors like finance, energy, and consumer goods [8]. - Growth style stocks are associated with higher revenue and earnings growth rates, leading to higher average valuations [8]. - The dividend index, a prominent value index, has gained traction due to declining interest rates, attracting institutional investors seeking better cash flow assets [8][10]. Group 3: Performance of Value Indices - The Shanghai and Shenzhen 300 index rose from 1000 points to 5601 points, while the 300 value index increased from 1000 points to 9189 points [11]. - The 300 value index reached a historical high in Q4 2024, indicating strong performance during the recent bear market [12]. - The value strategy indices, including 优选300 and 中证价值, have also shown promising results by selecting low-valuation stocks with certain growth criteria [18][22]. Group 4: Investment Strategies and Trends - Despite the positive performance of value investing, the overall scale of value-focused funds remains small, accounting for less than 1% of total A-share stock funds [29][30]. - The article emphasizes the importance of understanding investment cycles and maintaining a long-term perspective in value investing [46][47]. - Upcoming live sessions will address the characteristics of various value strategy indices and current investment opportunities [31].
狠狠搞钱的10大顶级思维!看完秒杀90%散户
天天基金网· 2025-05-17 04:27
反人推出 ·TE 别人恐慌时你进货,别人狂热时你抛售 all G 10-60 每月定投5000元,年化15%,20年后变1000万 型 UES HE 7 号损超7%立即斩仓 认知提款 P O BITAIn E Bar 只赚看得懂的钱 位位台 单票不超过总资金20% 杠杆绞肉机 永远不用融资融券 u ....... 涨跌K线当数字游戏 分享、点赞、在看 顺手三连越来越有钱 财富是认知的变现,90%散户输在情绪而非技术。 记住:慢即是快,少即是多,等得起的人永远在捡钱。 免责声明 文章封面图来源于AI,以上观点来自AI,不代表天天基金的观点,不对观点的准确性和完整 性做任何保证。收益率数据仅供参考,过往业绩和走势风格不预示未来表现,不构成投资建 ↓ 点击"阅读原文" 或上天天基金APP搜索【777】 开户领98元券包 ,优选基金10元起投! ii间形系 i TE 持有优质资产穿越牛熊 ...