今天亚洲股市不是高开低走，就是低开低走。反倒是香港那边一直在往上拉。 其实前阵子恒指不太行，但这两天它又行了。说白了，各路资金就是在寻找洼地，补平水位。所以短期跑输时你千万别急，总会轮到你。 但要我说，有比短期行情更重要的事，那就是资产配置——普通人应该拿多少钱出来做股票投资？ 别着急，我给你算笔账你就明白了。 我们假设一个人22岁毕业开始工作。本金为0，初始年工资为20万。工资年涨幅为2%。 他每年把工资的20%拿出来做股票投资，剩下的用于消费或储蓄。股票投资的收益率为年化8%。 那么他未来的现金流情况如下图。横轴是年龄，蓝线是他每年收入情况，黄线是当年的股票资产收益。 而此后的复利会更加惊人。虽然他的工资增长缓慢，到60岁退休时也就40万。但彼时他的股票资产已经高达3500万，每年光股市收益就有260多万。 总之，要想实现相对财务自由，要把20%-60%的收入拿出来做投资。而且越早越好。 50岁时，他股票资产的收益就会超过年收入。 此时，他就获得了相对财务自由。因为他工作之外的收入超过了工作收入。理论上讲，他可以提前退休了 而在这个资本积累的过程中，压力并不大。因为他只把每年20%的收入拿出来做投资，剩下 ...

本文由 AI算法生成，仅作参考，不涉投资建议，使用风险自担 【广州AIC直接股权投资试点成果显著，11支基金落地规模超168亿】自2024年9月广州市获批AIC直接 股权投资试点后，截至11月11日，已有11支AIC基金在穗落地。这些基金落地规模超168亿元，有力支 持了广州市先进制造、新能源、新一代信息技术等重点项目发展。 ...

Group 1: Market Performance - Xpeng Motors' stock surged nearly 18%, leading to a strong performance in the Hong Kong automotive sector [1][2] - The overall market saw significant inflows into various ETFs, particularly in the automotive and gold sectors, with multiple ETFs tracking these sectors showing notable gains [1][2][5] Group 2: ETF Highlights - Several automotive ETFs outperformed the market, with multiple products tracking the Hong Kong automotive sector leading the gains [2][3] - Gold-themed ETFs continued to show strength, with many commodity gold ETFs rising over 1.4% [4][5] Group 3: Fund Inflows - Since October, sectors such as gold, Hang Seng technology, banking, and securities have attracted significant capital, with several ETFs seeing net inflows exceeding 50 billion [1][7] - The Huatai-PineBridge Dividend Low Volatility ETF attracted 4.166 billion in net inflows since October, indicating strong interest in dividend-focused investments [7][8] Group 4: Market Trends - The current market environment is characterized by structural trends, with a focus on dividend assets as institutional demand for high-dividend, low-valuation equities increases [9] - Analysts suggest that the market may experience rapid rotation among themes, with potential opportunities in sectors like electric grid equipment, lithium batteries, and chemicals [9]

Core Insights - The number of newly issued funds has significantly increased due to a recovering market sentiment, with 1,371 funds launched in 2023, the highest in three years [1] Fund Issuance Trends - The pace of fund issuance has accelerated, reflecting both improved market sentiment and proactive industry positioning [1] - A total of 1,235 funds have been established this year, with notable characteristics observed in the new offerings [2] Index Funds Dominance - Index funds continue to lead the market, with 727 index funds launched this year, accounting for 58.87% of total new funds [3] - The total fundraising for all established funds this year is 9,653.34 billion yuan, with index funds contributing 5,289.86 billion yuan [3] Breakdown of Index Funds - Passive index equity funds are the mainstream, with 526 funds launched and a total issuance of 2,682.66 billion yuan [4] - Passive index bond funds have emerged as "blockbuster makers," with 57 funds launched and a total issuance of 1,804.88 billion yuan, including 47 funds exceeding 2 billion yuan [5] - Enhanced index funds have also seen significant growth, with 144 funds launched and a total issuance of 802.32 billion yuan [5] Market Dynamics - The number of "one-day sold-out" funds has increased, with 96 funds achieving this status, including 39 with a fundraising scale exceeding 1 billion yuan [6] - The emergence of "mini funds" is notable, with 254 funds having an issuance scale of less than 200 million yuan, representing 20.57% of total new funds [6][7] Strategic Marketing - The rise of "initiated funds" is a marketing strategy for fund companies to quickly establish products in popular sectors, enhancing brand visibility [8] Competitive Landscape - The competition among leading fund companies remains intense, with the top firms dominating the number of new fund launches [9] - In terms of fundraising scale, the top ten fund companies each raised over 20 billion yuan this year [10] - Southern Fund leads in total issuance with 478.57 billion yuan, followed by Huaxia Fund and E Fund [11][12] Industry Polarization - A significant disparity exists in the market, with 59 out of 188 public fund managers not launching any new funds this year [12] - The top 30 fund companies captured 70.2% of the total fundraising, indicating a trend of resource concentration among leading firms [12]

北京商报讯(记者李海媛)11月11日，博时基金公告称，陈宇自当日起任公司总经理。公开简历显示，陈 宇自2025年9月起任博时基金党委副书记，曾在中国工商银行总行、华夏银行总行、泰康资产管理有限 责任公司、中邮人寿保险股份有限公司任职。2017年7月至2025年9月，陈宇在招商局仁和人寿保险股份 有限公司工作，历任首席投资官(兼资产管理中心总经理)、副总经理、首席运营官(期间2019年5月至 2025年5月兼任招商局仁和养老投资有限公司CEO)。 博时基金表示，当前公司高管团队配置合理，财富管理、资产管理等多领域人才经验有利于公司进一步 发挥资源禀赋，不断提升投资管理能力，为下一步的高质量发展增添新优势、注入新动能。 ...

人民财讯11月11日电，11月11日晚，博时基金发布高管变更公告，陈宇自11月11日起正式接任公司总经 理一职。公开资料显示，陈宇在金融机构拥有丰富工作经验，曾在中国工商银行、华夏银行、泰康资管 及中邮人寿等金融机构担任管理职务。加入博时基金前，他曾在招商局仁和人寿历任首席投资官(兼资 产管理中心总经理)、副总经理、首席运营官(COO)(集团二级公司总经理级)。 ...

Core Viewpoint - The Shanghai Financial Court, in collaboration with Shanghai University of Finance and Economics and Weico Group, has released the sixth batch of selected cases to stabilize the expectations of domestic and foreign parties regarding judicial rules, thereby supporting high-quality financial development and high-level opening-up [1]. Group 1: Case Characteristics - The Shanghai Financial Court has introduced 20 typical cases that cover a wide range of case types, including mediation, trial, and execution, with 5 cases involving foreign and Hong Kong-Macau-Taiwan elements [2]. - The cases encompass various transaction types such as cross-border guarantees, securities trading, independent letters of guarantee, fund investments, entrusted wealth management, bill collection, financing leasing, and platform insurance [2]. - The legal issues presented are novel, including judgments on securities false statements in employee stock ownership plans and the responsibilities of trustees violating fair distribution obligations [2]. Group 2: Significance of the Cases - The cases actively guide judicial ruling rules, exemplified by a landmark ruling where a private fund manager was held liable for unfair distribution, fostering a sound legal environment in the private investment sector [2]. - The cases promote the healthy development of emerging financial formats, as seen in a ruling that clarifies the obligations of insurers in platform insurance models, aligning the insurance industry with digital age requirements [2]. - The cases demonstrate the effectiveness of financial judiciary participation in social governance, with rulings that help efficiently resolve disputes and mitigate financial risks [3]. Group 3: Future Directions - The Shanghai Financial Court will continue to focus on its financial adjudication functions, adhere to a strategy of high-quality cases, and implement a long-term mechanism for the international promotion of typical cases to enhance the international influence of Chinese financial judiciary [3].

- Multiple index-enhanced products were established this week, including CICC Beizheng 50 Index Enhanced A, Ping An Hang Seng Index Enhanced A, and Guolian CSI Hong Kong Stock Connect Comprehensive Index Enhanced A, adding new members to the index-enhanced ETF category [4][5][8] - Recent fundraising activities include the completion of fundraising for 17 index products, such as CICC CSI All Index Enhanced A and Guotou Ruixin SSE Composite Index Enhanced A, while 23 index products, including Guotou Ruixin Beizheng 50 Constituent Index A and Hua Xia S&P Hong Kong Stock Connect Low Volatility Dividend ETF, began fundraising [8][9][11] - 13 index products were submitted for approval this week, including thematic funds like Dacheng CSI Subdivision Chemical Industry Thematic ETF and Dacheng CSI Battery Thematic ETF, as well as connection funds like Penghua ChiNext New Energy ETF Connection and Guoshou Anbao CSI A500 Low Volatility Dividend ETF Connection [12][13][14]

在主题对话环节，贵州银行党委书记、董事长杨明尚，广西北部湾银行行长杨育智，招商银行南宁分行 党委书记、行长曹海洋，蚂蚁集团研究院院长李振华等嘉宾围绕"金融机构运用AI技术的实践与未来发 展方向探讨"展开深入对话、交流，为金融赋能广西打造面向东盟的金融开放门户、服务地方经济高质 量发展提供创新思路。 本次同业合作交流会以"人工智能+金融"为纽带，搭建区内外金融同业资源共享、优势互补的桥梁，为 地方金融业高质量发展增添了新引擎。 本报讯 （记者矫月）近日，由广西壮族自治区党委金融办、广西壮族自治区发展改革委指导，广西北 部湾银行主办、大成基金协办的"2025金融同业广西行—人工智能+金融服务创新"同业合作交流会在南 宁成功举办。自治区党委、政府及监管部门、金融领域专家学者以及百余家金融同业超300名与会嘉宾 会聚一堂，共话发展、共绘蓝图。广西壮族自治区人民政府副主席胡帆出席会议并讲话。广西北部湾银 行党委书记、董事长黎栋国，大成基金总经理谭晓冈分别代表主协办单位致辞。 会上，广西北部湾银行与12家区内外地方法人金融机构联合签署《地方法人银行服务集团实体客户合作 协议》，与大成基金正式签署战略合作协议，进一步深化各 ...

中证报中证网讯(记者万宇)近日，买方投顾领域的代表平台——盈米基金旗下且慢推出了全新的同路人 权益体系。且慢同路人权益体系以投顾服务为基础，创新性地将客户的"日均资产情况"和"同行时间"作 为核心的权益分级维度，该体系通过正向的价值激励机制，引导客户长期持有，以资金规划和资产配置 的投顾2.0服务方式重塑客户获得感，帮助客户实现具体的财富目标，实现"以客户为中心"的长期主义 买方投顾服务。 此次且慢推出的同路人权益体系共分为5个等级，由"日均资产情况"和"同行时间"两个因素共同决定。 且慢在每个月1日计算上个月的交易日均资产，核定后更新权益等级。且慢还特别强调"同行时间"这一 维度，客户随着参与且慢的时间增长，会获得"时光分"以加快权益体系的成长和升级。通过权益体系的 正向激励，且慢希望潜移默化地改善投资者行为，鼓励长期持有。 据介绍，且慢将继续以客户的利益为中心，通过专业的投顾服务陪伴客户穿越市场的周期，实现长期回 报。 同路人权益类型包括有基础投顾服务、定制礼品、专属顾问、海外配置和家庭财务规划等多项投顾服务 权益和实物权益，不同等级的客户享有不同的权益。 且慢平台表示，以账户管理为核心的且慢投顾服务2. ...