家庭资产配置
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每日钉一下（四类常见资产，牛熊周期分别有多长？）
银行螺丝钉· 2025-06-13 13:55
更有课程笔记、思维导图，帮您快速搞懂课程脉络，学习更高效。 ◆◆◆ ▼点击阅读原 文，免费学习大额家庭资产配置课程 个人养老金账户如何开通？5大品种如何投资？ 这里有一门限时免费的福利课程，介绍了个人养老金的投资方法。 想要获取这个课程，可以添加下方「课程小助手」，回复「 养老金 」领取哦～ 文 | 银行螺丝钉 （转载请注明出处） 投资个人养老金，既可以为自己的养老增添一份保障，还能享受个税递延的优惠。 ...
小盘股2025年为啥比大盘股强？｜投资小知识
银行螺丝钉· 2025-06-13 13:55
Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [1] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [1] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [1] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [1] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to their growth potential [1]
存款利率下降，会利好哪些品种？｜第388期精品课程
银行螺丝钉· 2025-06-11 14:20
Core Viewpoint - The article discusses the current state of household asset allocation in China, highlighting the decline in deposit interest rates and the potential shift of funds from deposits to other asset classes such as bonds, "fixed income plus" products, and high-dividend index funds and REITs [4][84]. Summary by Sections Current Deposit Situation - Deposit interest rates have significantly decreased, with current rates at 0.05% for demand deposits, 0.95% for one-year fixed deposits, and 1.25% and 1.30% for three and five-year fixed deposits respectively [4][6]. - The era of low deposit interest rates is acknowledged, with the total amount of household wealth in China estimated at approximately 800-900 trillion yuan, of which bank deposits account for about 300 trillion yuan [5][7]. Asset Allocation Trends - The article notes that the total scale of real estate and deposits far exceeds that of stocks and bonds, indicating a potential future shift where household assets may flow from real estate and savings into stocks and bonds [8]. - The article emphasizes that as long as the long-term returns of other investments exceed those of deposits, funds will likely be attracted to those alternatives [9]. Investment Directions - **Bonds**: Despite a decrease in yields, bonds such as government bonds still offer higher returns than deposits, with a five-year government bond yielding an average of 1.51% [10][11]. - **"Fixed Income Plus"**: This category includes products that combine fixed income with equities or convertible bonds to enhance returns while managing risk [15][19]. - **Cash Flow Assets**: High-dividend funds and REITs are highlighted as attractive options, with dividend yields often exceeding 4-5%, significantly higher than current deposit rates [41][52]. Specific Investment Products - The "365-day advisory portfolio" is presented as a suitable investment option, primarily focusing on bond funds to maintain a stable return while utilizing the negative correlation between stocks and bonds to reduce volatility [23][29]. - The "Monthly Salary" investment portfolio is introduced, which aims to provide regular cash flow while balancing stock and bond investments to optimize returns and manage risk [66][78]. Conclusion - The article concludes that as deposit yields continue to decline, more funds will likely flow into bonds, "fixed income plus" products, and high-dividend index funds and REITs, suggesting that the current market conditions are favorable for these investment strategies [84].
如果市场涨回到3星级，大盘是多少点呢？｜投资小知识
银行螺丝钉· 2025-06-11 14:02
Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [1] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [1] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [1] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [1] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to their growth potential [1]
