近日来，多家银行及理财公司官网将含权的混合类及"固收+"理财作为货架主推产品。Wind数据统计显 示，9月以来超过1600只混合及权益类理财等含权产品开售"揽金"。 业内人士分析认为，当前市场环境下，投资者风险偏好正在普遍回升，对含权类理财的配置需求日渐凸 显，权益类投资的发展将成为必然趋势，理财机构也积极创新含权产品设计与策略以满足投资者多元化 的配置需求。不过，银行理财公司的权益投研团队建设仍处于初级阶段，投研积累相对薄弱，如何设计 出既符合监管要求又能满足客户稳健收益预期的产品，仍是当下理财公司面临的重要课题。 中经记者 秦玉芳 广州报道 随着股市持续回暖，部分含权类银行理财产品的年化收益率表现亮眼，各家银行及理财公司在含权理财 产品布局方面愈加积极。 新发数量快速增加 国庆中秋长假结束后的首日，多家理财公司纷纷宣布上线含权策略的理财产品。 收益表现突出是近来混合类、权益类、"固收+"类理财备受理财机构及投资者青睐的关键。普益标准监 测数据显示，截至9月末，混合类理财今年以来平均年化收益率达4.82%，较8月末环比增长9.27个基 点；权益类理财今年以来平均年化收益率达24.76% ，较8月末环比增长5 ...

Core Viewpoint - The article emphasizes the importance of understanding personal financial situations before investing in stocks or equity funds, suggesting that potential investors should consider their housing situation, future financial needs, and personal qualities necessary for successful stock investment [1][6][7]. Group 1: Housing Investment Perspective - Peter Lynch suggests that before investing in stocks, individuals should consider buying a house, as real estate is generally a safer investment compared to stocks [2][3]. - The article highlights that while many investors may face financial difficulties when selling properties, it is rare for them to incur continuous losses in real estate transactions, unlike in the stock market [2][3]. - The average holding period for real estate is approximately 7 years, while 87% of stocks on the New York Stock Exchange are traded at least once a year, indicating a significant difference in investment behavior between real estate and stocks [3][5]. Group 2: Financial Planning and Investment Timing - Investors are advised to reassess their financial budgets before investing in equity assets, particularly if the funds are needed within the next two to three years for expenses like education or home renovations [6]. - Lynch proposes a simple formula for investment: only invest money that can be afforded to lose without impacting daily life [6]. Group 3: Personal Qualities for Successful Investing - The article outlines essential personal qualities for successful stock investment, including patience, independence, common sense, emotional resilience, and the ability to remain calm during market turmoil [7][8]. - It discusses the tendency of investors to panic sell during market downturns or to chase after stocks during uptrends, which undermines their long-term investment strategies [8][9]. - True contrarian investing involves waiting for market enthusiasm to cool before purchasing stocks that are overlooked, rather than simply opposing popular trends [8][9].