目标日期VS目标风险基金怎么选？ 养老目标基金主要分为两类： 一类是目标日期基金（TDF），以投资者预期退休年份命名，如2045、2050等； 另一类是目标风险基金（TRF），通过限定权益资产仓位形成不同风险等级产品，通常分为保守、稳健、均衡、积极、进 取等类型。 | 区别项 | 养老目标目期基金 | 养老目标风险基金 | | --- | --- | --- | | | (TDF) | (TRF) | | ◆命名 | 多以退休日期命名一 | 多以风险等级命名- | | | 投资者根据计划退休年份选择基金 | 投资者根据风险收益偏好选择基金 | | ◆投资策略 | 权益类资产配置比例随设定日期的邻近不断降低 | 维持投资组合目标风险基本保持不变 | | ◆适合人群 | 适合风险可匹配的投资新人或无暇顾及账户资产管 | 适合对个人养老投资的需求明确、了解自身风 | | | 理的投资者 | 险偏好,且具备一定的市场投资经验的投资者 | | ◆定位 | 生命周期方案产品 | 资产配置工具型产品 | | ◆优势 | 一站式养老基金投资服务, | 目标风险明确,可自行选择风险偏好, | | | 无需进行资产配置和调仓,定 ...

Core Insights - The article discusses the emergence of a "shadow world" in globalization, highlighting how various Chinese companies have built essential infrastructure that supports global commerce, including logistics, payment, and marketing services [4][5]. Logistics: Time and Space Compression - Companies like Zongteng and Wanyitong have established themselves as key players in cross-border logistics by investing in heavy assets such as overseas warehouses and dedicated transportation routes, which provide competitive advantages in cost and efficiency [9][11]. - Zongteng, founded in 2007, transitioned from e-commerce to logistics, focusing on overseas warehousing and specialized transportation, which allowed it to thrive during the e-commerce boom [8][10]. - Wanyitong has also adapted by investing in automated warehouses and self-built routes to enhance delivery efficiency, achieving a 95% order delivery rate within three days across the U.S. [11][12]. Payment: The Payment Revolution - The article outlines the rise of fintech companies like Airwallex and PingPong, which emerged to address the high costs and inefficiencies of traditional cross-border payment systems [20][21]. - These companies have introduced innovative pricing models and streamlined processes, significantly reducing transaction fees and improving service speed for small and medium enterprises [22][23]. - The competitive landscape in cross-border payments is evolving, with companies focusing on comprehensive financial ecosystems and compliance capabilities to differentiate themselves [25][30]. Marketing: Unlocking Overseas Traffic - The marketing sector is represented by companies like Taitong Technology, which has developed a data-driven approach to optimize advertising for Chinese businesses entering overseas markets [32][33]. - Taitong's platform integrates various media resources and advertising technologies, allowing clients to manage global campaigns efficiently [34][35]. - The article emphasizes the importance of marketing in driving sales for intangible products, where marketing costs can reach up to 50% of revenue [33]. Future Variables in the Shadow World - The article concludes that the "shadow world" of globalization is characterized by a growing number of specialized service companies that address specific pain points in cross-border trade, such as high payment fees and complex compliance issues [40][41]. - The competitive landscape is shifting towards integrated ecosystems, where logistics, payment, and marketing services are increasingly interconnected, enhancing the overall efficiency of global operations [42].

Group 1 - The core viewpoint is that Alibaba Cloud's exclusive international agent discounts play a crucial role in enterprise cloud procurement, especially for cross-border e-commerce and gaming companies, providing flexibility and compliance advantages [1][5][6] - Many large enterprises prefer qualified agents for their overall solutions rather than just seeking discounts, indicating a shift in procurement strategy towards value-added services [1][5][10] - The agent system allows for streamlined procurement processes, reducing complexities and compliance risks associated with direct purchases from Alibaba Cloud [5][7][8] Group 2 - The industry trend shows that over 50% of cross-border enterprises prefer to procure cloud resources through agents due to better control and flexible discount options [6][10] - Agents can offer customized solutions that include pricing stability and tailored services, which are often unavailable through direct channels [6][9] - The increasing regulatory scrutiny on international data flow compliance has made it essential for companies to work with agents who can navigate these complexities effectively [7][8][10] Group 3 - Companies are moving away from the misconception that the lowest price is the primary factor in cloud procurement, recognizing the importance of service quality and operational support [9][10] - The procurement process is becoming more professionalized, with enterprises favoring agents that can provide comprehensive solutions, including project management and contract handling [10] - The collaboration with agents like Chuangyun Technology enhances procurement experiences and accelerates project implementation, reflecting a broader industry shift towards integrated service models [10]

空气悬架解决方案可满足车辆电动化与悬架智能化的需求，同时也可以满足终端用户对驾乘舒适性及安全性的要求。目前，该细分市场正快速扩张，而客 户对高性价比、集成化产品方案及品质的追求，为蒂森克虏伯倍适登与保隆科技的合作提供了坚实的基础。 根据协议，保隆科技与蒂森克虏伯倍适登将各自发挥在悬架技术领域的专长，突破了传统意义上的一级与二级供应商的合作模式，在优势互补的基础上形 成更好的协同效应。双方致力于通过技术共享与资源整合，确保产品组合无缝协同。 蒂森克虏伯倍适登拥有超过70年的减振器研发生产历史，是半主动及主动阻尼系统技术的行业先锋，客户覆盖全球主流高端汽车主机厂。保隆科技凭借其 在橡胶部件研发领域的独特优势，以及强大的电子电气（E/E）生产能力，已为全球数十家客户提供空气悬架解决方案，并积累了丰富的系统经验。 保隆科技董事长兼总裁张祖秋表示："我们坚信空气悬架解决方案在汽车领域的未来前景。此次与蒂森克虏伯倍适登合作推出创新'一站式'方案，将为全 球客户带来兼具竞争力和高品质的产品。" •保隆科技与蒂森克虏伯倍适登将结合各自优势，为全球整车制造商提供减振器与空气弹簧的一站式解决方案 • 通过优化成本、简化供应链接口 ...