Group 1 - The article promotes the "速盈" product from China Construction Bank, highlighting its features for quick fund redemption and automatic payment capabilities [3][5][6] - "速盈" allows users to quickly redeem up to 10,000 yuan per day, making it convenient for urgent cash needs [3] - The product is linked to the "建信现金添利货币基金A" (code: 000693), which has a management fee of 0.30% per year, a custody fee of 0.05% per year, and a sales service fee of 0.15% per year [4] Group 2 - The article emphasizes the ease of managing finances with "速盈," allowing users to invest small amounts starting from 0.01 yuan with no transaction fees [4] - It supports automatic credit card repayments, where the system can automatically redeem fund shares to pay off credit card balances [5] - "速盈" also offers an automatic mortgage repayment feature, which allows users to set up regular transfers from their investment account to cover mortgage payments [6]

Core Viewpoint - The article emphasizes the benefits of a financial product that allows for quick credit card repayments and automated fund transfers, highlighting its low-risk investment nature and cost-saving features for investors [2][3]. Group 1: Credit Card Repayment Features - The product supports single-instance quick repayments for credit cards, with a maximum repayment limit of 10,000 yuan per individual per day [2]. - Users can set a reserve balance in their accounts, and the system will automatically transfer funds when the account balance exceeds the reserve amount, facilitating smart investment of idle funds [2]. Group 2: Investment Product Characteristics - The investment product is characterized by low risk, with relatively small investment fluctuations, making it suitable for conservative investors [3]. - The minimum investment amount is set at 1 yuan, allowing participation with small amounts of idle cash [3]. - The product features a zero fee for subscription and redemption, which helps investors save on costs [3]. - The management fee for the associated fund is 0.30% annually, with a custody fee of 0.05% annually, and the sales service fee is also charged annually, all deducted from the fund's assets [3].

Core Viewpoint - China Construction Bank provides a cash management platform that connects to money market fund products, effectively meeting the investment needs of idle funds [2]. Group 1: Product Features - The "Suying" product connects to the Jianxin Cash Management Fund A, which is characterized by low risk and low fees [3][8]. - The product allows for quick redemption, with a maximum daily redemption limit of 10,000 yuan [5][12]. - The management fee for the Jianxin Cash Management Fund A is 0.30% annually, with a custody fee of 0.05% and a sales service fee of 0.15% [8]. Group 2: Investment Convenience - The product is designed for general investors, making it a suitable choice for most individuals looking to invest idle cash [8]. - Automatic repayment features are available for credit cards and personal housing loans, simplifying the repayment process for users [10][11]. - Users can set a reserve balance, and when the account balance exceeds this amount, the system will automatically invest the excess funds [14].

文 | 银行螺丝钉 （转载请注明出处） 有偏离自己制定的投资计划。 第二是我们在定投的时候，要综合考虑自 己的心理承受能力和投入的资金量。 定投开始时投入的钱不多，所以心理压 力会小一点。 IEA J V L J F J F J F J F J L L J ▼点击阅读原 文，免费学习大额家庭资产配置课程 而如果遇到下跌的时候感到恐慌，往往 说明这个时候你投的钱可能超出自己的 心理承受能力了。 投的钱越多，心理压力越大。这时候可 能就容易头脑一昏，做出错误的决策。 因此,最好用长期不用的闲钱投资,这笔 钱是遇到下跌你也不慌的金额。 说一个极端的例子，就是这笔钱哪怕打 水漂了，你也不会觉得心疼的那种。 这种程度的资金,做长期投资更容易坚 挂下求。 ...

Group 1 - The article discusses the high delivery fees associated with food delivery services, highlighting consumer frustration with a 5 yuan delivery fee on a 50 yuan meal [1] - It emphasizes the growing trend of consumers seeking cost-effective solutions in their spending habits, particularly in the context of food delivery [1] Group 2 - The article mentions the popularity of borrowing video app memberships among consumers, indicating a willingness to spend on experiences like concert tickets while seeking savings elsewhere [2] - It reflects a cultural trend where consumers are increasingly reliant on social networks for sharing resources, such as borrowing VIP memberships for video streaming [2] Group 3 - The article highlights a DIY approach to personal care, showcasing a trend of consumers looking for cost-saving methods in their skincare routines [3] - It suggests that consumers are becoming more resourceful and creative in finding ways to maintain their beauty regimens without overspending [3] Group 4 - The article introduces a cash management tool provided by China Construction Bank, which connects to money market fund products, emphasizing its features like quick redemption and flexible investment options [4] - It positions this tool as an ideal investment solution for consumers looking to manage their idle cash effectively, aligning with the trend of frugality [4]

Core Viewpoint - The article reflects on the lessons learned from four years of investment experience, emphasizing that investing requires rational planning and long-term commitment rather than following trends blindly [3]. Group 1: The Cost of Following Trends - The investment in popular funds, particularly in sectors like pharmaceuticals and military, led to significant losses when market conditions changed, revealing the risks of single-sector investments [4][6]. - A specific growth value fund experienced a maximum drawdown of over 50% due to heavy exposure to technology stocks during market downturns [4]. Group 2: Misconceptions About Dollar-Cost Averaging - Increasing investment amounts in a declining market did not yield the expected results, as the account faced multiple interruptions due to insufficient funds, missing opportunities to buy at lower prices [9]. - The failure to adjust investment strategies based on market valuations resulted in continued losses, highlighting the importance of timely decision-making [10][12]. Group 3: Emotional Decision-Making - During a market rally in September 2024, the account still showed a loss of over 40%, leading to a decision to cut losses by redeeming a quarter of the investment, which ultimately missed out on subsequent gains [14][15]. - The experience underscored the need for stop-loss decisions to be based on fundamentals rather than emotions, and the importance of investing with disposable income [16]. Group 4: Key Lessons and Insights - Diversification is crucial to survival, as over-concentration in high-volatility sectors can lead to significant setbacks during corrections; a balanced approach with value funds or fixed-income products is recommended [18]. - A long-term perspective and disciplined execution are essential, with stable investment amounts and dynamic valuation thresholds for profit-taking [20][21]. - Independent thinking is more valuable than following trends, as short-term performance may not reflect long-term stability; index funds are suggested for long-term investments over active funds [22]. Group 5: Rebuilding Investment Confidence - The company is now reallocating previously liquidated funds into diversified indices like CSI 300, CSI 500, and major U.S. indices, adhering to a "five-year hold + annual review" strategy to achieve recovery through low-cost averaging [24]. - The narrative concludes with a belief that respecting market dynamics and maintaining a disciplined approach are key to preserving capital and achieving long-term success [25][26].