8月22日晚间，江苏国泰（002091）（002091）发布多则公告在资本市场掀起轩然大波。这家总市值仅124亿元的上市公司宣布，拟使用不超过120亿元 （含120 亿元）的闲置自有资金进行委托理财，同时计划以不超过18.306亿元（含）闲置自有资金开展证券投资，两项合计金额高达138.3亿元，超过公司 当前总市值11%。 值得注意的是，江苏国泰同日宣布终止总投资15.38亿元的年产40万吨锂离子电池电解液项目。 一边大手笔理财投资，一边终止锂电项目，江苏国泰的"闲钱"操作方式，引发了市场和投资者广泛关注和热议。有投资者表示质疑："账上138亿元闲钱， 不搞扩张不并购，偏要炒股理财当股神？" "为何不回购？"甚至有投资者指其"不务正业"。 超市值理财引质疑 营收150亿元项目拟终止 江苏国泰公告显示，其委托理财范围包括但不限于结构性存款、收益凭证、大额存单、国债逆回购等，单笔理财产品期限最长不超过36个月。在上述额度 内，资金可以滚动使用，且任意时点进行委托理财的总金额（含前述投资的收益进行再投资的相关金额）不超过人民币120亿元。 | 证券代码:002091 | 证券简称:江苏国泰 公告编号:2025-58 ...

Core Insights - Stock investment is increasingly becoming a preferred choice for wealth management, offering greater potential returns compared to traditional methods like deposits and bonds, while requiring active market engagement and financial literacy [1][2][5] Group 1: Investment Strategy - Stock investment should be viewed as part of a family's overall asset allocation rather than a standalone speculative activity, with a recommended limit of 30% of investable assets allocated to stocks [2][4] - A balanced investment approach combining stocks with low-risk assets like bonds and funds can provide both high returns and financial stability [2][4] Group 2: Selection Criteria - The "three-match" principle should guide stock selection: alignment with personal understanding, risk tolerance, and investment horizon [4] - New investors are advised to start with broad index funds or high-dividend blue-chip stocks, which offer lower volatility and simpler logic [4] Group 3: Long-term Value - The long-term value of stock investment lies in the "compound interest effect" and its ability to combat inflation, with historical annualized returns for quality A-shares ranging from 8% to 12% [5][6] - Maintaining a long-term holding strategy while avoiding significant losses is crucial for realizing the benefits of compounding [5][6]