睿远基金官方订阅号，第一时间发布睿远基金动态、分享优质基金及投资内容，做持有人长期利益最大化 的价值投资实践者。 以下文章来源于睿远FUND ，作者小睿 睿远FUND . 微笑是最 温暖的语言，也是治愈心灵的良药。 5 月 8 日世界微笑日，让我们一同探寻微笑背后的神奇力量，感受它如何为生活注入美好。 医学研究表明，微笑时大脑会分泌内啡肽与血清素，如同为身心注入天然的"快乐因子"，不仅能提升免疫 力、降低血压，更能有效缓解焦虑情绪。 其实 在充满波动的基金投资世界里，也藏着一抹智慧的"微笑"——微笑曲线。它不是市场永远上涨的承 诺，而是投资者穿越牛熊的底气。如果我们坚持基金定投，或许也会收获一条属于自己的"微笑曲线"。 为什么定投会画出"微笑曲线" 定期定额：下跌市场的"份额收割机" 想象一下，每月拿出一定的闲钱定投某只基金。假使初期遇到市场震荡下跌时，基金净值从 1 元跌到 0.9 元甚至 0.8 元，同样的金额就能买到更多的基金份额，就像在低位悄悄囤货，为未来种下更多的种子。 这种"越跌越买"的机制带来两个关键效果： 份额累积： 下跌过程中不断收集低价筹码，手中的基金份额像滚雪球一样越滚越大。 成本摊薄： ...

0.99元起购36元支付立减金( 工作 养老投资的好搭 伴随着个人养老金的全面放开,如何更好地为未 来退休后的悠长假期做好"钱袋子"的准备,成 了大家越来越关心的问题。 那么,关乎人生大计的养老投资,有没有这样一 个"好搭子"，既能让我们的投资过程更简单, 又能收获不错的结果呢? 分享干货之前,先送上我们的养老专属福利! 心意五重礼，助力更好的养老生活! THE ZE 约定缴存礼新上线 领20元权益 开 45 点击下方按钮立即开户,并有机会享以下权益。 立即开户 >> 缴存有礼 最高享88元奖励 Ø。 进阶有礼 最高享568元奖励 ● 推荐有礼 每月最高可享2000元奖励 。 ( 客群专属礼 缴存达标还可享20元奖励 > 约定缴存礼 缴存达标可领2000个cc豆� 划个重点|基金定投的优势 操作省心 平摊成本 系统自动执行 有助于淡化 定投计划 择时风险 分批投入 长期投资 不需要一次性 保持投资纪律 享受复利效应 投入本金 注:活动规则详见内页。 省心的方法也能带来好收获 首先，我们介绍一下什么是基金定投 定投,简单来说就是定期定额买入固定的基金。 想必大家都听过华尔街流传的一句话:"要在市 场中准确地踩点 ...

Core Viewpoint - The announcement details the partnership between Guolianan Fund Management Co., Ltd. and Postal Savings Bank of China, allowing the latter to sell certain funds starting from April 9, 2025, and participate in related fee rate activities [1]. Business Scope - Investors can conduct subscription, redemption, conversion, and regular investment for the following funds at Postal Savings Bank: - Guolianan CSI 300 ETF Linked Fund (A Class: 008390, C Class: 008391) [1] - Guolianan CSI 300 Enhanced Index Fund (A Class: 020220, C Class: 020221) [1] - Guolianan CSI 1000 Enhanced Index Fund (A Class: 016962) [1] - Guolianan STAR Market 50 ETF Linked Fund (A Class: 013893, C Class: 013894) [1] - Guolianan CSI A100 Index Fund (LOF) (162509) [1] - Guolianan CSI Medical 100 Index Fund (A Class: 000059, C Class: 006569) [1] Regular Investment Business Rules - Regular investment allows investors to set up automatic deductions for fund subscriptions on specified dates [1]. - The service is available to individual investors who meet the fund contract requirements [1]. Application Process - Investors must open an account with Guolianan Fund Management to apply for regular investment [4]. - Existing account holders need to visit Postal Savings Bank to apply for a trading account and regular investment [5]. Deduction and Fee Structure - Investors must designate a RMB settlement account for deductions, with a minimum monthly deduction of RMB 1 [6][7]. - The subscription fee rates for regular investment are as per the fund's prospectus and latest announcements [8]. Conversion Business Rules - Fund conversion allows investors to switch between funds managed by the same fund manager [12]. - Conversion fees include a zero conversion fee, redemption fees, and any applicable subscription fee differences [13][14]. Promotional Activities - Fee rate discounts are available for investors using Postal Savings Bank for fund subscriptions and regular investments, effective from April 9, 2025 [24].

Core Viewpoint - The article reflects on the lessons learned from four years of investment experience, emphasizing that investing requires rational planning and long-term commitment rather than following trends blindly [3]. Group 1: The Cost of Following Trends - The investment in popular funds, particularly in sectors like pharmaceuticals and military, led to significant losses when market conditions changed, revealing the risks of single-sector investments [4][6]. - A specific growth value fund experienced a maximum drawdown of over 50% due to heavy exposure to technology stocks during market downturns [4]. Group 2: Misconceptions About Dollar-Cost Averaging - Increasing investment amounts in a declining market did not yield the expected results, as the account faced multiple interruptions due to insufficient funds, missing opportunities to buy at lower prices [9]. - The failure to adjust investment strategies based on market valuations resulted in continued losses, highlighting the importance of timely decision-making [10][12]. Group 3: Emotional Decision-Making - During a market rally in September 2024, the account still showed a loss of over 40%, leading to a decision to cut losses by redeeming a quarter of the investment, which ultimately missed out on subsequent gains [14][15]. - The experience underscored the need for stop-loss decisions to be based on fundamentals rather than emotions, and the importance of investing with disposable income [16]. Group 4: Key Lessons and Insights - Diversification is crucial to survival, as over-concentration in high-volatility sectors can lead to significant setbacks during corrections; a balanced approach with value funds or fixed-income products is recommended [18]. - A long-term perspective and disciplined execution are essential, with stable investment amounts and dynamic valuation thresholds for profit-taking [20][21]. - Independent thinking is more valuable than following trends, as short-term performance may not reflect long-term stability; index funds are suggested for long-term investments over active funds [22]. Group 5: Rebuilding Investment Confidence - The company is now reallocating previously liquidated funds into diversified indices like CSI 300, CSI 500, and major U.S. indices, adhering to a "five-year hold + annual review" strategy to achieve recovery through low-cost averaging [24]. - The narrative concludes with a belief that respecting market dynamics and maintaining a disciplined approach are key to preserving capital and achieving long-term success [25][26].

Core Viewpoint - The article emphasizes that wealth accumulation is primarily a privilege for a minority, and ordinary individuals face significant challenges in breaking through socioeconomic barriers solely through labor [1][2]. Group 1: Traps Ordinary People Face - **Follow-the-Trend Trap**: Many individuals fall into the trap of joining popular trends, such as opening a milk tea shop or investing in a rising stock market, often resulting in financial losses [3][4]. - **Get-Rich-Quick Trap**: Courses promising high income with no prior experience are often misleading, teaching deceptive practices rather than legitimate wealth-building strategies [5][6]. - **Consumption Trap**: Excessive spending on luxury items and lifestyle choices can lead to financial instability, with appearances often misleading about true wealth [7][8]. Group 2: Five Golden Paths for Ordinary People - **Cognitive Monetization**: Individuals can leverage skills, such as programming, to create income opportunities, moving away from physical labor competition [9]. - **Side Business Leverage**: Engaging in side jobs, from ride-sharing to knowledge-based services, can significantly increase income without full-time commitment [10]. - **Low-Cost Entrepreneurship**: Starting small businesses with minimal investment can yield substantial profits, emphasizing the importance of testing ideas before scaling [11]. - **Counterintuitive Investment**: Regular investment in index funds, such as the CSI 300, can outperform most retail investors over time [13]. - **Networking for Profit**: Building and leveraging professional relationships can create additional income streams through referrals and collaborations [12]. Group 3: Ultimate Truths and Actionable Steps - **Time Over Money**: Investing time in skill development can lead to exponential income growth compared to traditional labor [14]. - **Risk Management Over All-In Betting**: Maintaining a financial safety net is crucial before pursuing high-risk ventures [14]. - **Focus Over Trend-Chasing**: Specializing in niche markets can yield better financial returns than general knowledge [14]. - **Rejecting Consumerism**: Prioritizing savings over luxury purchases is essential for building wealth [14]. - **Immediate Actions**: Individuals are encouraged to assess their skills, cut unnecessary expenses, and engage with high-value networks to enhance their financial prospects [14].

5 7 音 III 图周期周上 图显示范围 创 业 板 指 定 投 N IEEN e 2015 - 19 猴哥,没想到你这么厉害,以后 俺这点小钱可以跟你混了。 俺现在如果想去定投的话 投什么基金比较好呢? and of the state of the see "定投不择时,指数不 你可以从关注指数 选股",它们俩可以说 基金开始! 是天然契合的省心搭 配。指数基金风险分 散、清晰透明、管理费 0 0 0 整体较低。 47 有股票账户的话,还可以定投场内交易的 指数基金ETF,资金更灵活,且不收印花税, 交易成本更低。 选好标的之后,如果不知道定投多少 钱合适,有这么几种方法可以参考 - - 1 | 每月開鍵法 定投金额=(收入-支出) /2. 适用收支相对稳定的场景 72 電影筒站法 定投金额=月收入*10%~20%,适用 收入稳定但支出较不稳定的场景 ST THE TAR 根据家庭资产情况进行系统性规划, 例如应用标准普尔家庭资产配置法 预期资金需求明确(教育金、养老金等), 八长期目标准 倒推计算出定投金额 下面老孙就来举几个长期目标法的例子,给你看看定 投的实际应用场景。 定投的纪律性,某种程度上也 ...

Group 1 - The article emphasizes the importance of regular investment through fund dollar-cost averaging, which allows investors to avoid timing the market and reduces the risk of making poor investment decisions [4][5][8] - It highlights that dollar-cost averaging is a systematic investment approach that involves investing a fixed amount at regular intervals, thus averaging out the cost of investments over time [7][8] - The article discusses the benefits of this method, including the ability to accumulate quality shares at lower costs during market downturns, which positions investors favorably for future market rebounds [8][9] Group 2 - The article provides various stop-profit strategies for investors, including target profit method, maximum drawdown method, and others, to help secure gains and manage risks effectively [9][10] - The target profit method is described as a straightforward approach where investors set a profit goal and sell once that target is reached, which can be automated through many platforms [9] - The maximum drawdown method allows investors to set a limit on how much they are willing to lose after reaching their profit target, thus helping to avoid missing out on future opportunities during market uptrends [10]