2025 didn’t start off so hot for investors, but fortunes have changed in a big way in Q3. Data from Fidelity (1) revealed record highs across its 52 million retirement products, including 401(k)s and IRAs. Currently, the average 401(k) balance is $144,400, while the average IRA balance is $137,902. For context, that’s respectively 20% higher and 17% higher since the third quarter of 2020. The number of 401(k) and IRA millionaires also increased by 10% and 11.5% between Q2 and Q3, respectively. Fidelity ...

2025年，中国个人债务市场正在经历一场静水流深的重塑。 回顾这一年的采访时，笔者常想起日本记者斋藤茂男在《饱食穷民》中的发问："如何讲述普通人所经 历的时代碎片？未来将走向何方，又该如何描述当下？" 采访中，背债人陶天坦言，自己最初只是想寻求一份高薪工作。他的遭遇并非孤例，诸多背债者落入这 条分工明确、层级严密的链条，甚至有团伙借此套取银行上亿元资金。 此外，市场上亦有"债务重组"类服务悄然滋生，表面以"优化负债结构、缓解还款压力"为目标，实则往 往嵌套高额服务费、隐性条款甚至二次借贷陷阱，使负债者从"一债"陷入"多债"，加剧债务风险集聚。 新债群体 债务问题早已不限于传统意义上的低收入群体。今年的采访中，笔者反复听到一个概念："新兴负债群 体"——他们往往拥有稳定的职业与收入，却因对未来预期过于乐观、财务规划失衡而陷入流动性困 境。 2025年，中国个人债务市场正在经历一场静水流深的重塑。"疏"与"堵"之间，精准的政策逻辑逐渐显 现：一边拓宽合规信贷通道，浇灌真实需求；另一边堵死高息灰黑地带，防范风险蔓延。 然而，政策落至个人生活，展开的画卷远比设计图复杂。我们看到"良性负债"如何托起一个家庭的梦 想，也 ...

Stock markets ended marginally lower on Tuesday amid thin year-end trading as persistent foreign fund outflows and a muted trend in global equities weighed on investors' sentiment.Photograph: Francis Mascarenhas/ReutersFalling for the fifth consecutive day, the 30-share BSE Sensex dipped 20.46 points or 0.02 per cent to settle at 84,675.08.During the day, hit a high of 84,806.99 and a low of 84,470.94, gyrating 336.05 points. Ending the day on a flat note, the 50-share NSE Nifty slipped 3.25 points or 0.01 ...

Core Insights - XORKETS FX has completed its registration as a Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN), enhancing its compliance and security standards in the digital finance sector [1][2]. Compliance and Regulatory Framework - The US MSB license involves ongoing regulatory requirements related to anti-money laundering (AML), client fund management, data protection, and risk control, which XORKETS FX is integrating into its core operations [2]. - By obtaining MSB registration, XORKETS FX is now a regulated financial service entity under US federal law, ensuring clear responsibilities in client fund handling and compliance with Know Your Customer (KYC) and AML regulations [4]. User Protection and Governance - The platform's user agreements and privacy policies must align with US laws, enhancing governance and providing clearer rights protection channels for users in case of disputes [5]. - Compliance with MSB requirements allows for a more normalized governance structure, which benefits user trust and platform reliability [5]. Asset Management and Security - XORKETS FX implements strict mechanisms for separating client funds from operational funds, ensuring that fiat currency is stored within a regulated banking system [6]. - The platform employs industry-standard security practices for managing virtual assets, including high cold storage ratios and multi-signature mechanisms, to enhance asset management transparency [7]. Operational Transparency and Risk Management - Daily operations are optimized under MSB compliance, with KYC information collected according to the "minimum necessary principle" and user data protected through bank-grade encryption [8]. - Real-time risk monitoring and transaction surveillance systems are in place to identify abnormal behavior and reduce account security risks, shifting security management to proactive protection [9]. Institutional Trust and Long-Term Development - As the regulatory environment matures, competition among platforms is increasingly focused on compliance capabilities and long-term credibility, with XORKETS FX building security on a verifiable institutional foundation [11]. - The company plans to continue strengthening compliance efforts and technological investments to promote innovation within a legal framework, aiming to provide a robust and sustainable digital financial service experience [12].

长沙晚报掌上长沙12月30日讯（全媒体记者 范宏欢）元旦假期将至，你的理财计划做好了吗？根据沪 深交易所公布的2025年元旦休市安排，1月1日（周四）至1月3日（周六）休市，1月5日（周一）起照常 开市。另外，1月4日（周日）为周末休市。因此，12月31日就是元旦前的最后一个交易日。 如何既能保障假期资金流动性，又能避免资金"站岗"，让闲钱在跨年期间持续创造收益？记者采访了理 财专家，梳理了一份节前理财攻略，帮助市民在这个元旦假期实现"人闲钱不闲"。 攻略一：短期收益较高——国债逆回购 国债逆回购本质是一种以国债为抵押物的短期贷款。通俗来讲，就是投资者通过证券交易所把钱借给别 人，一般情况下可获得固定利息收益；而借款人用国债作抵押，约定到期后向投资者还本付息。 根据规则，12月30日15:00前转入资金，最晚12月31日确认份额并开始计息，元旦假期（1月1日-3日） 收益不间断，且假期消费、转出到零钱或银行卡的服务正常。需注意的是，若在12月30日15:00后转 入，整个元旦假期将无收益入账，资金白白闲置。 攻略三：灵活赎回收益稳健——货币基金 可灵活赎回、收益稳健的货币基金及现金管理类产品，因收益"假日不休 ...

集团 21世纪经济报道 理财公司混合类公募 潮州 近六月业绩榜单 (投资周期3-6个月 | F 특 | 产品名称 | 電信機 三十人 长率 | 最大回撤 | 年化波动 网 | | --- | --- | --- | --- | --- | | | 一赢平衡增利智能制造混 | | | | | | 合类理财5号(最短持有6 个月） | 宁银理财 9.47% | 1.95% | 6.20% | | | 宁赢平衡增利混合类开放 | | | | | | 式理财3号(景短信有180 | 宁银理财 9.28% | 1.88% | 6.04% | | | B | | | | | | 幸福99卓越混合(多元恒 | 杭银理财 8.68% | 4.82% | 7.70% | | | 利)180天持有期建成 | | | | | 4 | 幸福99卓越混合(国企红 利精选FOF)100天得有期 杭银理财 8.06% | | 2.91% | 4.10% | | | PETIC | | | | | 5 | 荣竹混合抗通胀策略半年 | 民生理财 7.11% | 1.48% | 2.72% | | | SEEHEWTHA | | | | | 6 ...

Core Insights - The Primerica Household Budget Index (HBI) is estimated at 100.7% in November, reflecting a slight increase of 0.2% from the previous year [1] - The Consumer Price Index (CPI) recorded an inflation rate of 2.7% in November compared to the same month last year [1] Economic Metrics - The HBI measures the impact of inflation and wage trends on middle-income families' ability to afford everyday necessities [1] - The increase in the HBI indicates a slight improvement in the financial situation of middle-income families over the past year [1] - The CPI serves as a comprehensive measure of inflation for all U.S. households, indicating broader economic trends [1]

Core Viewpoint - Gold prices increased during early Asian trading, indicating potential volatility in the precious metals market in the near term according to Sucden Financial [1] Group 1 - Gold rose in early Asian trade [1] - Precious metals could experience more volatile price action in the near term [1]

会议听取了关于《上海2025年经济运行状况分析与2026年经济发展思路建议》的情况汇报。今年10 月以来，市政协经济和金融委员会组织开展相关调研，广泛听取政府部门、相关企业、委员和专家意 见，实地考察重点领域、重点区域、重点行业、重点企业和重大项目，综合各方意见、结合政协协商议 政职责提出了相关工作建议，形成专项报告。报告认为，今年以来，全市上下坚持以习近平新时代中国 特色社会主义思想为指导，全面贯彻落实党的二十大和二十届历次全会精神，在市委、市政府坚强领导 下，改革攻坚持续深入，制度型开放进一步深化；国家重大战略任务加快落实，"五个中心"功能融合升 级；现代化产业体系加速建设，新质生产力培育成效显著，产业创新与科技创新融合加强；多措并举扩 大有效需求，稳就业、稳企业、稳市场、稳预期成效明显；营商环境改革深化，市场主体活力迸发。结 合2026年上海面临的挑战和机遇，报告从持续推进制度型开放、聚力优化上海现代化产业体系、夯实原 创性和引领性"人工智能科创高地"、探索构建具有消费策源功能的国际消费创新高地、稳妥处理城市更 新的关键问题等方面提出具体建议。 会议还审议了其他事项。 市政协副主席肖贵玉、陈群、金兴明、 ...

Market Overview - MSCI Inc.'s gauge of Asia Pacific shares decreased by 0.1% in early trading, following a decline in the S&P 500 Index by 0.3% and a 0.5% drop in the Nasdaq 100 [1][9] - The recent weakness in equities marks a reversal from the previous week when technology stocks were leading the market [2][9] - A gauge of global equities ended a seven-day winning streak but remains on track for its best year since 2019 [3][9] Performance Metrics - The MSCI All Country World Index has increased by 21% in 2025, while Asian stocks have rallied nearly 26% [6][9] - The S&P 500 has risen approximately 17%, although it has underperformed compared to many global peers [6][9] - Sell-side strategists predict an average gain of 9% for the S&P 500 in the upcoming year despite various risks [7][9] Commodity and Cryptocurrency Insights - Silver has shown volatility, dropping 9% in the previous session after a significant surge driven by speculative trades and supply shortage fears [3][9] - Bitcoin remained relatively unchanged after briefly surpassing $90,000 before retracting its gains [8][10] - Oil prices have stabilized, with West Texas Intermediate trading near $58 per barrel after a 2.4% increase, while Brent crude settled below $62 [8][10] Economic and Policy Outlook - Investors are closely monitoring the Federal Reserve's monetary policy, with expectations of stable-to-higher Treasury yields in 2026 despite potential interest rate cuts [10] - President Donald Trump hinted at a preferred candidate for the next Federal Reserve chair but has not made an announcement yet [7][10]