当时间的指针转向2026, 我们共同开启了新的旅程。站在新岁的起点，我们总是期望能为明天找到清晰的方向。投资恰如一场跨越时间的旅途，唯有不时 整理行囊、确定方向才能更加从容稳健地向下一程迈进。 2026新年启航之际，我们特别准备了这份"基金投资行为地图"，在这份投资地图里，我们梳理了投资前、投资时、持有期这三大投资路途中，每个人都可 能遇到的18个关键场景，这份地图，将为您解锁： 从"体检"开始，了解自己：如何做财务健康诊断？投资的钱到底该放哪个"口袋"？ 如何走过波动，赢得长期：面对市场噪音、短期涨跌，以及人生大事的变化，如何保持冷静、做出更理性的决策？ 希望这份地图能够为您提供一份清晰的"投资导航"，助您心中有谱，脚下有路，更从容地踏上新一年的投资旅途，感受投资的乐趣，收获投资的馈赠。 了解旅程路况，避开"陷阱"：哪些是投资中的"反面行为"，让您错付了时间亏了钱？ 闲钱规划 7-0 -11 - t 2 风险测评 真实校准 3 收益预期管理 投资目标设定 5 甘今米刑法权 座立大主儿仔 与资产配置 6 产品信息搜集 与要素理解 ef 产品费用选择 8 100 200 200 200 200 200 选择定投 ...

Core Viewpoint - The article discusses the importance of living in the present and the psychological challenges faced by investors who often focus on future wealth and financial freedom, potentially at the expense of enjoying their current lives [1]. Group 1: Living in the Present - Many individuals, especially those in investment roles, struggle to enjoy the present moment due to constant anticipation of future financial success and freedom [1][9]. - The notion of future wealth often leads to a cycle of new expectations and desires, making it difficult to appreciate current experiences [1][12]. - The article emphasizes that achieving financial goals does not necessarily equate to happiness or fulfillment in life [1][11]. Group 2: Personal Experiences and Reflections - Some individuals share their experiences of finding joy in simple activities and the freedom that comes with not being tied to a traditional job [2][14]. - There are reflections on how past financial calculations and decisions have led to a sense of freedom, even if the current financial status does not meet conventional standards of wealth [10][15]. - The importance of balancing work and personal life is highlighted, with some individuals expressing satisfaction in their current lifestyles despite not being in high-paying jobs [12][16]. Group 3: Financial Perspectives - The article suggests that setting relative financial goals based on personal circumstances can be more beneficial than fixed monetary targets [16][17]. - It discusses the idea that once financial stability is achieved, individuals should consider how to give back to society rather than solely focusing on accumulating wealth [17][18]. - The concept of enjoying life and fulfilling personal desires while managing financial responsibilities is presented as a key to a balanced life [13][21].