Group 1 - Major commercial banks have lowered RMB deposit rates, with the one-year fixed deposit rate falling below 1% for the first time, sparking discussions on investment and financial planning in a low-interest-rate environment [2] - The market had anticipated this decline in deposit rates, as the need for monetary policy to stimulate the economy and stabilize the housing market continues, leading to a decrease in loan rates and a historical low net interest margin of 1.43% for commercial banks [2] - The ongoing trend of declining interest rates will significantly impact investment and financial planning strategies [4] Group 2 - In the current low-interest-rate environment, traditional financial products that guarantee returns, such as fixed deposits and certain insurance products, offer limited yields, making them less suitable for investors seeking substantial returns [4] - The capital market is experiencing an "asset shortage," where investors struggle to obtain returns that match the risks they are taking, leading to a need for a shift in investment strategy [6] - A recommended investment approach is to extend the investment horizon and focus on long-term value growth, aligning with the national encouragement for "patient capital" to support new productive forces and high-quality development in the capital market [6] Group 3 - Options for investing as "patient capital" include investing in stocks or funds with a long-term perspective, avoiding short-term trading, and maintaining emotional stability during market fluctuations [8] - Another option is to purchase participating insurance, allowing insurance companies, which are skilled in long-term investments, to manage assets while ensuring capital preservation and potential high returns from economic recovery [8]

我病还没好呢，今天一天在床上昏昏沉沉，晚上寻思要上钟了，喝了点退烧药人才精神起来。人这身体真就是一台精密仪器，37.5度的时候我感觉自己啥 事没有，烧到38.2的时候整个人就蔫了，哪哪都不对。就差这1度都不到，整个人完全两种状态。所以碳基生命是真的脆皮，适应性这么差，离开了地球 这个温室又能走多远... 昨天有读者留言问北京房价回调，我买的房子亏没亏？ 我是2016年5月份买的，总价1400，各种税费+封阳台差不多100，当时贷款900，利率优惠85折，4.16%左右。房市好的时候小区同户型成交2000左右，最 新成交已经跌到1600-1700。 如果纯看房价的话没亏，但我交了7年的月供，其中单单利息部分就是250左右，所以我的真实成本是1750，这样算就亏了。 但话说回来我们全家2018年搬进去，整整住了6年，这6年折算成房租的话是180左右，把这个加上去的话可能还微微赚一点。 所以这笔账最科学的算法是：房价（含税费）+历年月供中的利息-历年房租市场价=真实的财务成本。 按照我的估算，205-2016年买房的人目前普遍是微利或者保本状态，已经谈不上赚钱了，若是再以目前的趋势跌1年，2013-2014年上车的 ...