以下文章来源于做配置的小雪 ，作者做配置的小雪 曾经幻想暴富，现实变成暴负，投资只能慢慢变富～ ↑点击上面图片 加雪球核心交流群 前一段时间，美股、A股、黄金等风险资产集体回调，市场一度陷入恐慌。 很多朋友问我， 一跌就恐慌，难以按照纪律执行怎么办？ 我发现， 很多朋友都是吃了"勤奋"的亏，在投资中，根本不需要勤奋，反而需要一点懒惰。 因为越勤奋，越容易花时间和精力关注市场，也越容易被短期涨跌影响。 今天和大家分享下美国人攒养老金的故事，他们没有太强的储蓄意识，也没有专业的投资能力，但就是靠着懒惰，做起了理性的长期投资。 第一支柱是公共养老金，由政府强制实施，企业和员工按工资的一定比例缴纳，用来支付当前退休人员的养老金。 第二支柱是企业养老金计划，由企业和员工共同往员工的养老金账户中缴款，资金属于员工个人。 第三支柱是个人储蓄与投资，完全由个人主导。 在美国，第二支柱规模占比最高，覆盖率也超过了50%，而这一制度的发展可以追溯到二战后。 在当时，美国工业经济空前繁荣，由于劳动力紧张，大型企业为了抢人，流行起一种 「企业来养老」 的福利制度。 也就是说，员工在退休后，每个月依然可以收到来自企业打来的养老金。 到 ...

Core Viewpoint - The event "New Era, New Fund, New Value" aims to enhance public understanding of mutual funds and financial services, bridging the gap between financial institutions and community residents [1][3]. Group 1: Event Purpose and Impact - The event is designed to bring professional mutual fund knowledge into communities, making financial services more accessible to residents [3]. - It enhances residents' financial literacy and provides insights into real investor needs, contributing to the exploration of high-quality development paths in the industry [3]. - The initiative is seen as a way for financial institutions to fulfill their social responsibilities and promote investor education [3]. Group 2: Educational Content and Engagement - Presentations included discussions on the impact of high-quality economic development on investments, with a focus on asset allocation aligned with national development strategies [3]. - Lecturers used simple language and relatable examples to explain economic conditions and financial knowledge, particularly emphasizing personal pension policies [5]. - The interactive session was well-received, with residents actively asking questions about investment, retirement savings, and market trends, indicating a strong interest in financial education [5][6].

Core Viewpoint - The article emphasizes the significance of the recent visit by the General Secretary to Tibet, marking a historic moment in the Party's attention towards the region, and outlines key policies and activities that could impact various sectors, including infrastructure, employment, and fiscal policies [2][3][4][8]. Group 1: Tibet Visit and Key Activities - The General Secretary's visit to Tibet on August 20 is unprecedented, highlighting the central government's focus on the region's stability and development [2]. - During the visit, the General Secretary stressed the importance of maintaining political stability, social order, and ethnic unity in Tibet, while promoting major infrastructure projects like the Yaluzangbu River hydropower project and the Sichuan-Tibet Railway [8]. - The visit included a meeting with local officials to discuss the implementation of the Party's governance strategies in Tibet, aiming for a modern and harmonious society [8]. Group 2: Policy Developments - A series of policies were announced, including the upcoming Shanghai Cooperation Organization summit, which will feature key foreign leaders, indicating a focus on international diplomacy [3]. - The government is implementing measures to boost employment and consumer spending, such as new guidelines for personal pension withdrawals and initiatives to enhance the sports industry [3][12]. - The State Council is focusing on fiscal policies, including the regulation of PPP projects and adjustments to VAT refund policies, aimed at supporting various industries [4][18]. Group 3: Industry-Specific Regulations - The National Development and Reform Commission is seeking public input on new pricing behavior rules for internet platforms to prevent unfair competition and ensure market stability [4][8]. - The Ministry of Industry and Information Technology has introduced temporary measures for the regulation of rare earth mining and processing, emphasizing total quantity control to manage resources effectively [4][17]. - The Ministry of Finance has announced updates to the VAT refund policy, maintaining favorable conditions for specific industries while introducing new criteria for others [4][18].

Group 1: Macroeconomic Insights - The unprecedented attendance of high-ranking officials, including the General Secretary, at the Tibet Autonomous Region's 60th anniversary celebration highlights the central government's focus on political stability and development in the region[2] - Key projects emphasized include the Yaxia Hydropower Project and the Sichuan-Tibet Railway, which are crucial for regional development and stability[2] - The government aims to promote high-quality development tailored to Tibet's unique characteristics, focusing on agriculture, clean energy, and resource processing[8] Group 2: Policy Developments - New policies regarding personal pension withdrawals were introduced, allowing for additional circumstances under which individuals can access their pensions, including specific medical expenses and unemployment benefits[11] - The government is reinforcing support for PPP projects, allowing local governments to utilize various bonds for financing construction costs of existing projects[4] - The Ministry of Finance announced that the VAT refund policy remains unchanged for key industries, while new conditions and percentages were set for other sectors[20] Group 3: Employment and Consumption - The government is actively working to enhance employment and consumer spending, with recent meetings focusing on expanding sports consumption and promoting the sports industry[10] - The implementation of large-scale equipment updates and consumer product replacement policies has shown significant results in stabilizing investment and expanding consumption[10]

Group 1: Monetary Policy and Market Operations - The central bank conducted a 7-day reverse repurchase operation on July 22, with a fixed rate and a total of 214.8 billion yuan at an interest rate of 1.40% [1] - On the same day, 342.5 billion yuan in reverse repos and 120 billion yuan in treasury cash deposits matured [1] - The interbank market showed a significant improvement in liquidity, with the weighted average interest rate for overnight repos (DR001) dropping over 5 basis points, approaching 1.30% [3] Group 2: Bond Market Performance - The yields on long-term government bonds (7-year, 10-year, and 30-year) increased by over 1 basis point, indicating a weak performance in the bond market [9] - The closing prices for government bond futures showed a decline across all maturities, with the 30-year main contract down by 0.4% [12] Group 3: Social Insurance and Employment - As of the end of June, the number of participants in basic pension, unemployment, and work injury insurance reached 1.071 billion, 245 million, and 300 million respectively, showing steady growth year-on-year [13] - The total income of the three social insurance funds in the first half of the year was 4.53 trillion yuan, with total expenditures of 3.89 trillion yuan, resulting in a cumulative balance of 9.83 trillion yuan [13] - The number of new urban jobs added in the first half of the year was 6.95 million [13] Group 4: International Investment Initiatives - The German government, along with business representatives, announced a large-scale investment initiative to invest 631 billion euros by 2028 to boost the economy and enhance competitiveness [15]

Group 1 - The Ministry of Human Resources and Social Security (MoHRSS) is promoting the expansion of the basic pension insurance fund's entrusted investment scale and will continue to advance national pension coordination and the gradual increase of the statutory retirement age [2] - The employment situation in China remains stable, with 6.95 million new urban jobs created in the first half of the year, achieving 58% of the annual target [3] - The total revenue of the three social insurance funds reached 4.53 trillion yuan, while total expenditures were 3.89 trillion yuan, resulting in a cumulative balance of 9.83 trillion yuan by the end of June [3] Group 2 - Eight provinces in China have raised their minimum wage standards as of the end of June, reflecting ongoing adjustments in labor costs [4] - The MoHRSS has released wage information for 2024, providing reference for enterprises and workers in negotiating salary levels [4]

Core Viewpoint - The Ministry of Human Resources and Social Security is set to advance reforms in pension insurance nationwide, including the gradual increase of the statutory retirement age and the implementation of personal pension policies [1] Group 1: Pension Insurance Reforms - The Ministry will steadily promote national coordination of pension insurance [1] - There will be a focus on delaying the statutory retirement age as part of the reform efforts [1] - Collaboration with relevant departments to implement personal pension policy measures is planned [1] Group 2: Pension Fund Management - The Ministry aims to ensure timely and full payment of social security benefits while adjusting pensions [1] - There will be an ongoing increase in regulatory oversight of pension funds [1] - Efforts will be made to enhance the management of social insurance funds through continuous improvement actions [1] Group 3: Investment and Reporting - The Ministry will push for the expansion of the entrusted investment scale of the basic pension insurance fund [1] - Research will be conducted to further standardize the investment operation information reporting and disclosure system for basic pension insurance funds [1]