《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》明确提出"实施城乡居民增收计 划""推动形成橄榄型分配格局"。根据中央经济工作会议安排，明年我国将制定实施城乡居民增收计 划。多位专家学者认为，明年推动城乡居民增收，重点在于稳就业，着力改善结构性就业矛盾，加大稳 岗就业政策力度，保障居民劳动报酬。此外，应做好稳股市、稳楼市工作，保障居民财产性收入。加大 对中低收入群体兜底力度，提高居民转移性收入。 2010年以来，我国基本实现居民收入增长和经济发展同步、劳动报酬增长和劳动生产率提高同步的"两 同步"目标。中国社会科学院学部委员、原副院长蔡昉12月18日在"《财经》年会2026：预测与战略暨 2025全球财富管理论坛"上指出，从反映收入分配状况的主要指标看，近年来我国基尼系数和城乡居民 人均可支配收入之比同步改善，但仍低于经济合作与发展组织（OECD）国家平均水平。与国际标准存 在差距，说明我国收入分配格局有巨大提升潜力。 如何推动城乡居民增收？国家发展和改革委员会党组近日在《求是》杂志发表的署名文章中指出，要实 施城乡居民增收计划，提高居民收入在国民收入分配中的比重，提高劳动报酬在初次分配中的比重。 ...

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].