Core Viewpoint - The article discusses the "Special Action Plan to Boost Consumption" released by the government, emphasizing the need to stimulate consumption and increase urban and rural residents' income, particularly through expanding channels for property income [1][6]. Group 1: Types of Income - Income is categorized into four types: labor income, property income, operating income, and transfer income [2][6]. - Labor income is derived from work-related activities, including wages and bonuses [3]. - Property income includes earnings from assets such as bank interest, rental income, and fund dividends [4]. - Operating income is generated from business activities, while transfer income comes from government policies without direct labor [5][6]. Group 2: Current Financial Landscape - The current property income for households, excluding real estate, primarily comes from bank deposits, which exceed 300 trillion [9]. - Due to declining interest rates on deposits, funds have shifted to the bond market, leading to a significant rise in bond prices from 2022 to 2024 [10]. - The yield on 10-year government bonds is around 1.6% as of June 2025, indicating a trend of decreasing income from both deposits and bonds [10]. Group 3: Investment Opportunities - With 470 trillion in deposits and bonds yielding lower returns, there is a pressing need to seek higher-yielding investment avenues [11]. - The real estate and stock markets are highlighted as potential areas for investment, with a focus on stabilizing these markets [12]. - Index funds are presented as a suitable entry point for participating in the stock market, although they require a certain level of knowledge and discipline to avoid common pitfalls [12][19]. Group 4: Challenges in Investment - While many individuals can earn labor income, only a fraction of investors achieve good returns from index funds due to behavioral issues like chasing trends and frequent trading [18]. - The article emphasizes the importance of education and self-control in investment practices, noting that these skills are currently scarce in society [18]. Group 5: Conclusion - Property income, derived from holding assets, is becoming increasingly important as traditional sources like bank deposits and bonds decline [19]. - The stock market, particularly through index funds, is positioned as a key avenue for generating property income, but achieving stable returns requires ongoing learning and disciplined investment strategies [19].

文 | 银行螺丝钉 （转载请注明出处） 行动方案》，里面提到要拓宽财产性收入 渠道。 像把钱存银行，每年的利息；自己房子出 租，获得租金；投资基金，基金的分红。 这些都属于财产性收入。 近几年，大家对「养老」的重视度日渐提高，也是很多朋友比较关注的话题。 比如： 为了帮助大家掌握【 养老规划的方法 】，这里为大家准备了一门限时免费的课程，详细介绍了个人养老规划的相关问题。 长按识别下方二维码，添加@课程小助手，回复「 个人养老 」即可领取～ ◆◆◆ · 养老，到底需要多少钱？ · 储备养老金，真的有必要很早就开始规划吗？ · 如 果要为养老做补充，有哪些品种值得考虑呢？ 咱们传统文化中提到要劳动致富。那通过 指数基金赚钱,算不算"不劳而获"呢? 劳动性收入，和财产性收入并不冲突。 劳动致富目的是获得新增劳动性收入。通 过劳动积累下来的存量财富，是可以产生 财产性收入的。 一个是增量，一个是存量。 指数基金，不算是"不劳而获"的资产。 投资指数基金确实门槛低、看起来容易。 但是在股票、指数基金上，长期存在"七 亏二平一赚"。 相较存款来说，指数基金是一个对认知、 行为能力、执行力要求较高的资产类别。 大多数人只 ...