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[5月13日]指数估值数据(螺丝钉定投实盘第364期:投顾组合发车;个人养老金定投实盘第14期;养老指数估值表更新)
银行螺丝钉· 2025-05-13 13:45
Market Overview - The market opened with a slight increase but closed slightly down, maintaining a five-star rating [1] - The CSI 300 large-cap stocks saw a minor increase, while small-cap stocks experienced a slight decline. Value styles such as banking and dividends rose, whereas growth styles fell. The pharmaceutical sector overall increased [2] - The Hong Kong stock market, which had a significant rise yesterday, saw a decline in the morning [3] Sector Performance - Technology stocks in Hong Kong experienced a notable decline [4] - Despite the recent drop, the technology stocks are still considered to be at normal valuation levels after a significant rise in previous weeks, indicating they are not yet undervalued [5] - The earnings reports for Hong Kong technology stocks are being updated, with Q1 earnings growth appearing relatively strong, alleviating concerns about short-term volatility [6][8] Trade and Tariff Updates - A recent announcement regarding the postponement of tariff increases led to a market rebound [9] - However, the tariff issue remains unresolved, with ongoing uncertainty due to factors such as Trump's unpredictability [10] - The market is expected to experience fluctuations in the near term [11] Investment Strategies - The article discusses a systematic investment strategy using a "periodic but irregular" approach, where more is invested when valuations are lower [16] - Two methods for following investment combinations are available: manual and automatic [18][19] - The article emphasizes the importance of maintaining a calm demeanor and being able to withstand market fluctuations to achieve satisfactory investment results [29]
[5月6日]指数估值数据(螺丝钉定投实盘第363期:投顾组合发车;个人养老金定投实盘第13期;养老指数估值表更新)
银行螺丝钉· 2025-05-06 13:44
Market Overview - The Hong Kong stock market has been on an upward trend, continuing to rise for four consecutive weeks since early April [6] - A-shares also experienced a rebound, closing at a rating of 5.1 stars [1][28] - Both large, medium, and small-cap stocks saw increases, with small-cap stocks showing a more significant rise [2] Investment Style Performance - Value style showed a slight increase, while growth style experienced a more substantial rise [3] - During upward market movements, small-cap and growth styles exhibit greater elasticity [4] Investment Strategies - The article discusses a systematic investment strategy using a "periodic but irregular" approach, where more funds are allocated when valuations are lower [10] - Two methods for following investment strategies are outlined: manual and automatic [14][16] Pension Fund Investment - The article presents a personal pension fund investment plan, detailing specific funds and their current prices [18] - A valuation table for various indices is provided, highlighting metrics such as price-to-earnings ratio and dividend yield [24][25] Monthly Income Strategy - The "Monthly Salary Treasure" investment strategy has lowered its minimum investment threshold to 200 yuan, now offering a systematic investment option [27] - This strategy aims to meet regular cash flow needs, suitable for long-term holding [27][28] Valuation Insights - A valuation table is included, indicating various indices' earnings yield, price-to-earnings ratio, and other financial metrics, with color coding to indicate investment suitability [33][36]
投资小知识:市场波动大,2个方法,帮你更好投资
银行螺丝钉· 2025-04-24 13:37
文 | 银行螺丝钉 (转载请注明出处) 有偏离自己制定的投资计划。 第二是我们在定投的时候,要综合考虑自 己的心理承受能力和投入的资金量。 定投开始时投入的钱不多,所以心理压 力会小一点。 IEA J V L J F J F J F J F J L L J ▼点击阅读原 文,免费学习大额家庭资产配置课程 而如果遇到下跌的时候感到恐慌,往往 说明这个时候你投的钱可能超出自己的 心理承受能力了。 投的钱越多,心理压力越大。这时候可 能就容易头脑一昏,做出错误的决策。 因此,最好用长期不用的闲钱投资,这笔 钱是遇到下跌你也不慌的金额。 说一个极端的例子,就是这笔钱哪怕打 水漂了,你也不会觉得心疼的那种。 这种程度的资金,做长期投资更容易坚 挂下求。 ...
[4月22日]指数估值数据(螺丝钉定投实盘第361期:投顾组合发车;个人养老金定投实盘第11期;养老指数估值表更新)
银行螺丝钉· 2025-04-22 13:32
文 | 银行螺丝钉 (转载请注明出处) 昨晚美股又出现较大波动。 受此影响,今天开盘大盘下跌,不过随后大盘反弹,到收盘微涨微跌,波动不大,还在5.1星。 沪深300、中证500等微跌,波动不大。 昨天低迷的红利等价值风格微涨。 创业板等成长风格下跌。 港股开盘也一度下跌。不过随后港股逐渐上涨。 港股红利、港股科技等上涨超1%。 1. [大吉大利,今天吃基] 第361期的螺丝钉定投实盘来啦。 时间:2025年4月22日 方案:定投买入 品种: 指数增强投顾组合:11512元 主动优选投顾组合: 12877元 点击下图,即可立即跟投买入: 点击下图,即可立即跟投买入: PS:组合底层投资基金、各自比例等都是透明的,可以在公众号底部对话框回复「 发车方案 」查看。 2. 两种组合跟车方式,可以自由选择。 【方式一】: 手动跟车 点击上方投顾组合的图片,即可进入页面进行跟车。 进入跟车页面后,可以根据自己的资金量情况,按图示选择相应的跟投比例(页面会自动显示对应的投资金额),复制「定期不定额」的跟投 效果。 【方式二】:自动跟车 定投 金额采用的是 「定期不定额」的策略,估值越低投入越多。 实际使用参考金额的时候,可 ...
投资小知识:八个原则,帮我们更早实现财富自由
银行螺丝钉· 2025-04-09 13:47
文 | 银行螺丝钉 (转载请注明出处) 理论: 一般来说,月供在到手收入的30%以内 比较合理;最高不要超过50%。 原则2:提高储蓄率 每个月省下多少钱,用来储蓄或者定投, 这就是储蓄率。 对大多数家庭来说,储蓄率达到20%就 是不错的水平。 每个月收入到手后,先把要存下的钱拿出 来,剩下的再用来花。这样就避免把钱都 花掉了。 原则3:通过定投积累资产 定投特别适合有新增收入的投资者。 有很多上班族已经在定投养老金、公积金 等,这也是积累资产的一种方式。 我们也可以用同样的方式,定投基金等其 他资产。 原则4:从指数基金开始投资 对普通投资者来说,指数基金是比较适合 入门的资产类别。 指数基金费率低,结构简单,没有杠杆或 者本金永久性损失的风险。 也不依赖基金经理,而是按照指数投资, 非常透明。 只不过指数基金波动风险比较大,需要结 合指数的估值,在低估的阶段定投。 原则5:做好资产配置 在家庭资产分配上,有一些常见的策略。 例如用"100-年龄"分配股票和债券。 像40岁的投资者,可以配置: · 60%长期不用的资金到股票基金; · 40%到债券基金。 年龄越大,抗风险能力会变弱,此时可以 降低股票资产的 ...
简单致富:普通人实现财务自由的八个原则 | 螺丝钉带你读书
银行螺丝钉· 2025-03-29 12:48
大家好,我是银行螺丝钉,欢迎来到这期的螺丝钉带你读书。 「螺丝钉带你读书」也陪伴大家度过了三百多期,为大家讲解了很多有趣、经典的书籍和故 事,比如《三十几岁,财务自由》、《如何读一本书》、《战胜拖延症》等等。 还为大家详细介绍了几位投资大师:股神巴菲特、他的好搭档查理芒格和指数基金之父约翰博 格。分享了他们的人生经历、投资生涯和投资的理念。 大家可以点击下面链接查看部分螺丝钉带你读书合集: 《 世界读书日,螺丝钉送你103本私藏经典好书 》 实现财务自由的简单原则 最近螺丝钉看了一本新书,《简单致富-实现财务自由与富足人生的路线图》。 这本书介绍的,是实现财务自由,所需要遵循的简单原则。 原则1:不要高负债 债务,是自由人生的第一道枷锁。 背负高负债,人生的可能性也会减少。 财务自由不是拥有多少资产,而是保留对人生的选择权。 不过买房子,使用像公积金贷款等低成本的负债工具,也是合理的。 那房贷等负债 ,在多少比例以内比较合理呢? 一般来说,月供在到手收入的30%以内比较合理;最高不要超过50%。 原则2: 提高储蓄率 每个月省下多少钱,用来储蓄或者定投,这就是储蓄率。 像有的投资大师,年轻的时候储蓄率能达到5 ...
[3月25日]指数估值数据(螺丝钉定投实盘第357期:投顾组合发车;个人养老金定投实盘第7期;养老指数估值表更新)
银行螺丝钉· 2025-03-25 13:00
文 | 银行螺丝钉 (转载请注明出处) 今天大盘整体微跌,波动不大,还在4.9星。 沪深300略微下跌,小盘股回调多一些。 红利等价值风格指数微涨。 遇到市场波动的时候,红利等价值风格通常更抗跌。 港股也出现下跌,昨天上涨较多的港股科技股,今天下跌较多。 不过港股科技前段时间涨了比较多,最近回调后,还在正常估值,还没到低估。 (1)人民币短期相对升值的阶段,A股港股表现就比较好。 例如去年9月下旬,美元汇率大幅贬值,A股港股创下最近几年最快上涨纪录。 例如今年1月中旬至3月中旬,美元再次贬值,A股港股再次大幅上涨。 因为在老外眼中,A股港股属于人民币资产。 遇到人民币强势的阶段,资金净流入人民币资产,对A股港股有利。 前提是A股港股估值还较低。 (2)反过来,美元强势阶段,对A股港股不利。 例如去年11月到1月中旬,美元小幅升值,A股港股就承受压力回调。 而美元升值的阶段,美股就相对强势。 最近美元连续5天升值,对A股港股也产生了影响。 1. 最近大半年,A股港股短期波动,跟汇率利率波动关系比较大。 不过汇率更多的是影响市场的短期涨跌。 并不是影响市场长期收益的主要因素。 指数点数=估值*盈利。 低估买入,背 ...
从接近腰斩到年化收益超10%,我总结出了4大搞钱秘诀!
天天基金网· 2025-03-15 03:29
Core Viewpoint - The article emphasizes the importance of risk management and strategic investment in mutual funds, highlighting that chasing performance and popular fund managers can lead to significant losses [2][4][8]. Group 1: Investment Experiences - Initial investment in a money market fund resulted in a loss of 18% within three months due to market conditions [2][4]. - The experience of investing in a consumer-themed fund managed by a popular fund manager led to a realization that performance rankings can be misleading and that risk alignment is crucial [3][5]. - A subsequent attempt at dollar-cost averaging into an index fund resulted in a 23% loss during a market downturn, illustrating the psychological challenges of maintaining investment strategies [5][6]. Group 2: Lessons Learned - The article outlines key lessons learned from various investment experiences, including the importance of continuing to invest during market declines and the need for a diversified approach to sector funds [6][7]. - The author stresses that industry funds can amplify risks and recommends using a satellite approach with dynamic profit-taking strategies [7][8]. - The experience with a "line-drawing" fund manager highlights the risks of relying on star managers, as changes in management can lead to significant performance declines [8]. Group 3: Investment Strategies - After five years of experience, the author developed a stable annualized return of 10-12% through disciplined investment strategies, including dollar-cost averaging and balanced asset allocation [9][10]. - A structured asset allocation framework is proposed, dividing investments into three categories: liquid assets (20%), stable investments (50%), and long-term growth (30%) [11]. - The article suggests implementing a systematic approach to investment, including regular portfolio reviews and adjustments based on market conditions [11][12]. Group 4: Guidelines for New Investors - New investors are advised to conduct thorough research before investing, including understanding their risk tolerance and differentiating between short-term and long-term funds [15]. - The article encourages continuous learning and adaptation in investment strategies to improve decision-making and outcomes [15][16]. - The author concludes that successful investing is a long-term endeavor that requires patience and a focus on compounding returns rather than seeking quick profits [14][15].
每日钉一下(盈利了,还要继续定投吗?)
银行螺丝钉· 2025-03-08 13:52
文 | 银行螺丝钉 (转载请注明出处) 从历史数据看,指数增强基金的平均收益,多数年份是可以跑赢对应指数的。 但其中也有一部分跑输了指数,如果不谨慎挑选的话,也有可能买到的基金,实际上跑不赢指数。 那应该如何挑选优秀的指数增强基金呢? 这里有一门限时免费的福利课程,介绍了指数增强基金的投资方法。 想要获取这个课程,可以添加下方「课程小助手」,回复「 指数增强 」领取哦 ~ ◆◆◆ 投吗? 而收益金额的数字高,是可以解决问题的。 并且通过工作,未来赚到的收入还会越来越 多,如果不投资,拿着现金就会被通货膨胀 侵蚀。 如果投入,会把买入成本拉高、收益率降 低,觉得下不去手,该怎么办呢? 假设之前买入一万,赚了20%的收益率, 这个时候收益是2000元。 如果再投入1万,本金从1万变成了2万,收 益率会变成10%。 因为后投入的1万,才刚刚投入进去,还没 有产生收益。 但其实之前2000元赚到的收益是并没有减 少的。 这就有一个矛盾的地方:是要更高的收益 率,还是要更高的收益? 对普通投资者来说,更高的收益,会更关键 -발。 如果本金少,即便収益举很局,也解决个了 生活的问题。 例如投入1000元,哪怕收益率到20 ...
投资基金:三瓢凉水,与三个办法
雪球· 2025-03-07 07:10
Core Viewpoint - The article emphasizes that while many investors aim to make money through fund investments, the reality is that consistently predicting fund price movements is challenging and often leads to failure [2][3][4]. Group 1: Investment Strategies - Investors often think they can buy low and sell high to make profits, but this approach is not reliable [2][3]. - A more viable strategy is to focus on long-term capital appreciation through active management funds, which requires careful evaluation of fund managers and their performance [4][6]. - The article suggests that even successful funds like Berkshire Hathaway may underperform indices over certain periods, leading to difficult decisions for investors [5][6]. Group 2: Index Funds and Asset Allocation - Investing in index funds is recommended as a simpler alternative, although it may not guarantee profits either [6][8]. - A diversified approach involving multiple market indices (e.g., A-shares, Hong Kong, US markets) can mitigate risks and enhance returns [9][10]. - The concept of asset allocation is highlighted as a way to balance investments across various asset classes, reducing volatility and providing more stable returns [10][12]. Group 3: Investment Practices - Regular contributions through dollar-cost averaging (DCA) can help investors build wealth over time, acting as a form of forced savings [10][12]. - Rebalancing the investment portfolio periodically is essential to maintain the desired asset allocation and capitalize on market fluctuations [11][12]. - The article concludes by introducing a tool for asset allocation, promoting a structured approach to investment management [12].