工商银行第六届"828·工银财富季"活动近期拉开帷幕。从产品供给、线上投服、投教资讯等多个方面， 活动尝试优化创新，力争为广大客户带来更加丰富和个性化的财富管理体验。 升级扩充"天天盈"，提供更丰富增值选择 此次工商银行对 "天天盈"系列现金管理服务进行了升级扩充，为客户提供更多财富增值选择。 其中，"天天盈1号"关联货币基金扩充至106只，可满足客户更高额度的资金流动性需求，并提供余额自 动购买和自动快赎服务，让客户管理闲置资金更省心、更有效； "天天盈2号"关联10只优选现金管理类理财产品，并提供"理财夜市"服务，申购赎回时间延长至每日 20：00，便利客户从容安排资金。 目前，"天天盈"服务规模已超过1200亿元。 联合基金公司共研共判市场趋势 工商银行联合基金公司共研共判市场趋势，每月研选"进取策略"与"稳健策略"基金产品配置方案，定期 推出"数字看市 指数选基"活动，帮助客户把握市场节奏，选好投资工具。 推出"偏债基金"栏目，优化产品展示与筛选功能，创新"目标选+省心选"双维度服务。 上线"心愿定投"功能，支持客户同时选择理财、基金、存款等品种，为客户提供跨品类、个性化、便捷 性的投资理财产品定投服 ...

以下文章来源于懒人养基 ，作者懒人养基 懒人养基 . 雪球21年度十大新锐用户、22年度基金影响力用户，私企业主，经济学硕士，《基金投资全攻略》作者。早期靠创 业获取主动收入，从17年开始，逐步将经营产生的余钱、闲钱，几乎全部逢低买入权益基金，从赚取主动收入慢慢 向赚取被动收入过渡。价值投资践行者 风险提示：本文所提到的观点仅代表个人的意见，所涉及标的不作推荐，据此买卖，风险自负。 作者： 懒人养基 来源：雪球 顾名思义 ， 偏债基金的收益来源主要是债 ， 投资股票的收益算是 " 锦上添花 " 部分 ， 所以我们可以看 到 ， 在2022-2024年偏股基金出现大幅下跌时 ， 偏债基金虽然业绩也并不出彩 ， 但持有体验会好得多 。 根据我的观察 ， 偏债基金虽然也是主动管理型基金 ， 对经验丰富的老将而言 ， 其业绩稳定性要比偏股基 金好得多 ， 出现大起大落的概率并不大 ， 因此对偏债基金而言 ， 基金经理的任职年限是一个相对较为可 信的选基指标之一 ， 读者朋友可以在以下的表格数据中重点关注下 。 当然 ， 也会有少量偏债基金追求业绩弹性 。 我认为选择偏债基金本来就是求稳的 ， 对于业绩大起大落的 偏债 ...

Core Viewpoint - The article emphasizes the importance of having a clear investment plan and understanding three fundamental questions: maximum loss tolerance, expected annual return, and investment duration. These questions serve as the foundation for successful investing and help avoid blind chasing of market trends [1][18]. Group 1: Maximum Loss Tolerance - Understanding maximum loss tolerance is crucial for risk management, which is the cornerstone of investing. Investors often focus on potential gains without considering how much loss they can endure [2][8]. - Risk tolerance directly influences investment strategy and asset allocation. Different individuals have varying levels of comfort with market fluctuations based on their financial situations and psychological resilience [8][9]. - Establishing a clear maximum loss threshold provides a safety net for investors, allowing them to make informed asset choices and weight allocations without succumbing to panic during market downturns [8][9]. Group 2: Expected Annual Return - Setting realistic return expectations is essential and should be based on the investor's risk tolerance. Many investors aim for unrealistic returns without understanding the associated risks [9][12]. - Historical data suggests that a balanced asset allocation can yield reasonable returns with manageable volatility. For instance, a balanced portfolio of stocks and bonds has shown an annualized return of approximately 7.8% over five years with a volatility of 7.3% [12][13]. - Unrealistic return expectations can lead to disappointment and frequent portfolio adjustments, ultimately resulting in suboptimal outcomes. Aligning return goals with risk tolerance is vital for effective investment planning [13][19]. Group 3: Investment Duration - The investment horizon significantly impacts risk and return dynamics. Longer investment periods generally allow for better risk smoothing and the benefits of compounding [14][17]. - Short-term investments are often subject to high volatility, while long-term holdings tend to stabilize returns. For example, the probability of positive returns on the CSI 300 index increases from 60% over one year to nearly 100% over ten years [17]. - Understanding the investment timeline helps avoid liquidity issues and ensures that investors are not forced to liquidate positions prematurely, which can hinder potential gains [17][18]. Group 4: Application to Gold Investment - The article applies the three fundamental questions to the current inquiry about investing in gold. It suggests that if an investor can tolerate a maximum loss of 10%, gold may not be suitable for a significant allocation due to its historical volatility [21]. - Expected annual returns from gold are projected at 5%-6%, making it challenging to achieve an 8%-10% return solely from gold investments. Instead, gold should be part of a diversified portfolio [21][22]. - A proposed investment strategy for a hypothetical investor with a medium risk tolerance includes a 45% allocation to stocks, 50% to bonds, and 5% to commodities, including gold, to balance risk and return [21][32].