两场 活动初始，副总经理 俞震同志 详细介绍了申万宏源的发展历程。 学生们 通过观看宣传片，进一步了解了申万宏源的历 史沿革、业务布局和发展成就。 俞震同志从 申万宏源的历史沿革、组织架构、股东情况、分支机构、经营情况、业务优势、战 略定位七个角度展开介绍。作为上海的中央金融企业，申万宏源秉持先进理念，依托多元化综合金融服务，在服务国家战略中持 续引领企业行稳致远。 12月1 6 日，上海商学院的活动现场座无虚席。考虑到该校商科专业学生的学习需求，投教团队以 "资本市场实务与风险防范" 为核心，打造了兼具专业性与实操性的 投教 内容。 我部 从大学生常见的理财误区切入，结合近期典型案例，系统解析了校园 贷、非法荐股、场外配资等金融陷阱的运作模式与识别方法，用 "低息诱饵背后的债务陷阱"" 内幕消息中的诈骗套路 "等真实案例 敲响风险警钟。 并解答了关于 国债逆回购、基金定投等低风险理财工具的 基础问题 ，针对学生关注的 "1000 元起投的理财选择 ""假期闲钱如何增值" 等问题展开详细解答，现场互动问答环节气氛热烈，同学们纷纷拿出手机记录操作要点。 为深入贯彻投资者教育纳入国民教育体系的工作要求，切实提升高 ...

为深入贯彻投资者教育纳入国民教育体系的工作要求，切实提升高校学子金融素养，引导青年群体树立理性投资观念， 12月1 6 日及24 日， 本部 先后走进上海商学院与华东师范大学，成功举办两场 " 走进高校 " 专项投教活动，累计吸引 100 余名师生现场 参与，以专业实用的金融知识与生动互动的教学形式，获得了两所高校师生的一致好评。 12月24日，华东师范大学的活动聚焦 "金融知识普及与财商思维培养"，贴合综合性大学不同专业学生的知识背景设计内容。 我部 以 "财富管理入门 + 金融权益保护" 为主线，用通俗易懂的语言讲解资本市场基础概念，从个人征信维护、金融消费者权益 保护，到理性投资理念培育，层层递进帮助学生构建系统的金融知识框架。活动创新设置 "金融知识闯关" 互动环节，通过情景模 拟、案例辨析等形式，让学生在轻松氛围中掌握非法证券活动识别技巧。针对非金融专业学生的疑问，讲师 俞震同志 特别强调 " 投资先懂风险 "、" 不盲目跟风入市 " 的核心原则，引导大家树立 " 量入为出、理性规划 " 的财富观。 本部 总经理、华东师大金 融学系校友李瑜 还 表示，看到母校的师生倍感亲切，期待与 华东师范大学 经 ...

文 | 银行螺丝钉 （转载请注明出处） 基金定投是非常适合懒人的投资方式，但是如何才能聪明地做好基金定投？ 定投前要准备什么？如何制定好定投计划？ 4种定投方法，哪个更适合你？如何止盈？ 这里有一门限时免费的福利课程，能帮助你搞清楚这些问题。 想要获取这门课程，可以扫下方二维码添加 @课程小助手 ，回复「 基金定投 」领取哦～ (1) 场内渠道 场内,就是通过证券交易所来交易。 使用场内渠道交易，首先需要有一个股 票帐户，可以到证券公司去开。绝大部 分证券公司开户，都支持线上开户，直 接在手机上通过App就可以实现了。 开通股票帐户之后，我们就可以通过证 券公司的股票交易软件来进行买卖基金 了。操作过股票买卖的朋友很容易上 手,投资场内基金的方式和购买股票是 一模一样的,填入基金代码和份额直接 就能购买了。 通过场内渠道来进行基金定投，有两个 优势： 更有课程笔记、思维导图，帮您快速搞懂课程脉络，学习更高效。 如何才能做好基金定投? ጐ长按添加@课程小助手,回复「基金定投」 900 免费领取《基金定投指南》课程 更有课程笔记、思维导图 帮你学会如何制定好一个基金定投计划 基金有风险,投资需谨慎 urne #螺 ...

刚接触基金时，我最头疼选买点。 怕买在高点被套，又怕错过低点踏空。后来老股民朋友推荐我试基金定投，说它是"新手友好型"投资方式。 今天就把定投的核心知识点讲透：什么是定投、收益怎么算，还有实操中能赚钱的方法技巧，看完直接能上手。 先搞懂：基金定投到底是什么？ 基金定投很简单，核心就是"三固定"：固定时间、固定金额、投资固定基金。 比如每月发薪日投1000元，或者每周四投500元。不用天天盯盘，自动执行就行。 它的核心优势有三个：一是分散风险，避免一次性买在高点；二是积少成多，小钱也能滚成大钱；三是平摊成本，这也是定投能赚钱的关键逻辑，特别适合 长期投资。 核心难点：定投收益怎么算？举个例子就懂 很多人定投完不知道自己赚了多少，其实公式很简单，记好这两组： 1. 核心公式：定投收益 = （赎回时基金净值 - 平均成本）× 持有份额； 2. 辅助公式：平均成本 = 总投入金额 / 总持有份额；定投份额 = 每次定投金额 / 当期基金净值。 光看公式抽象，咱们用具体例子算一遍，一目了然： 假设每月定投1000元，连续投6个月，赎回时净值1.7元。各月买入净值分别是：1元、1.1元、1.2元、1.3元、1.4元、1. ...

文 | 银行螺丝钉 （转载请注明出处） 基金定投是非常适合懒人的投资方式，但是如何才能聪明地做好基金定投？ 定投前要准备什么？如何制定好定投计划？ 4种定投方法，哪个更适合你？如何止盈？ 这里有一门限时免费的福利课程，能帮助你搞清楚这些问题。 想要获取这门课程，可以扫下方二维码添加 @课程小助手 ，回复「 基金定投 」领取哦～ 更有课程笔记、思维导图，帮您快速搞懂课程脉络，学习更高效。 这个风险因子是啥意思呢? 投资有风险,保险机构做了有风险的投 资,就 必 须 拿 出 真 金 白 银 的 "资本 金"作为后备，以防风险发生时无法兑 付给客户。 风险 因 子 ，就 好 比 是 "资本 占 用 系 数"。每家保险机构，资本金都是有限 的,如果某一类资产,风险因子降低, 那保险机构就可以拿出更多的资金,投 资到这类资产中。 如何才能做好意长元主要? 长按添加@课程小助手,回复「基金定投」 免费领取《基金定投指南》课程 更有课程笔记、思维导图 帮你学会如何制定好一个基金定投计划 #螺丝钉小知识 und 银行螺丝钉 保险机构喜欢哪些指数呢，对普 通投资者有何启示? 2025年12月初，保险机构下调投资沪深 300、红 ...

责任编辑：杨赐 来源：深交所 编者按：为帮助投资者了解基金定投这一投资工具，树立指数化长期价值投资理念，深交所投教基地联 合中金财富证券投教基地共同推出《定投大爆料》系列视频。下面，一起来看第6期，如何判断止盈时 机？ 视频加载中，请稍候... ...

Group 1 - The article emphasizes that fund investment is a suitable method for lazy investors and discusses how to effectively implement it [2][3] - It highlights the importance of preparing before starting a fund investment and how to create a solid investment plan [2] - The article introduces four different investment methods and encourages readers to identify which one suits them best, along with strategies for profit-taking [2] Group 2 - It clarifies a common misconception that fund investment requires unlimited cash flow, explaining that it is about converting human capital (like salary and bonuses) into financial assets [6][7] - The article outlines the life cycle of cash flow, indicating that from birth to age 25, individuals primarily incur expenses, while from age 25 to retirement, they can save and invest [8][9] - It presents a model of income and expenses, noting that the main investment period is from age 25 until retirement, estimating around 1800 weekly investments or 450 monthly investments until retirement at age 60 [10][11]

Group 1 - The article discusses the importance of smart investment strategies for mutual fund regular investment, emphasizing the need for preparation and planning before starting [2][3] - It introduces four methods of regular investment and highlights the significance of setting a clear profit-taking strategy [2] - A free course is offered to help individuals understand these investment strategies better, including course notes and mind maps for efficient learning [2][3] Group 2 - The article explains the evolution of dividend indices, originating from the "Dogs of the Dow" strategy, which focuses on selecting stocks with high dividend yields [5][6] - The initial dividend indices, such as the Shanghai Dividend Index and the CSI Dividend Index, were based on the core principle of selecting stocks according to their dividend yield [6] - The article outlines two main directions of evolution for dividend indices: pursuing dividend stability and seeking lower market volatility [8][14] Group 3 - The first evolution direction focuses on dividend stability, which can be further divided into categories such as selecting industry leaders with strong competitive advantages and high return on equity (ROE) companies [10][12] - The second evolution direction aims for lower market volatility, suggesting that investors prefer stable returns with less price fluctuation [14][15] - The combination of pursuing dividend stability and lower price volatility has led to the creation of various low-volatility dividend indices [15][16]

Core Viewpoint - The article emphasizes the advantages of systematic investment plans (SIP) or fund regular investment, particularly for retail investors, highlighting how it can mitigate risks and enhance returns compared to lump-sum investments [6][14][34]. Group 1: Investment Players - The market consists of two main players: retail investors and institutional investors [3][5]. - Retail investors typically have smaller capital and rely on personal experience, while institutional investors have large funds and professional teams for data analysis [5]. Group 2: Advantages of SIP - SIP allows retail investors to average out costs by investing smaller amounts over time, which can lead to better returns when the market rebounds [14][22]. - Retail investors have the advantage of stable cash flow from salaries, making them well-suited for long-term SIP strategies [18]. - SIP helps retail investors avoid emotional trading behaviors, reducing the risk of impulsive losses [20][34]. Group 3: Institutional Perspective - Institutional investors do not typically use SIP because it leads to idle funds and does not utilize their research capabilities effectively [16][17]. - The article suggests that while institutions have professional teams, retail investors benefit from the expertise embedded in the funds they invest in through SIP [22]. Group 4: Risks and Considerations - Choosing the wrong investment products for SIP can lead to losses; it is recommended to select funds with significant volatility and long-term viability, such as broad-based index funds [25]. - The duration of the SIP is crucial; investing for too short a period may result in losses, while holding onto profits for too long without realizing gains can also lead to losses during market corrections [29][30]. - Setting clear profit targets and adhering strictly to the SIP plan is essential to avoid emotional decision-making [32].

Core Insights - Financial management is essential for everyone, not just the wealthy, as it helps prevent money devaluation and promotes purposeful spending [2][3] - The first step in financial management is understanding personal finances, including tracking expenses and identifying fixed costs [3][5] - The process of financial management can be simplified into three steps: saving, investing, and compounding [5][6] Group 1: Financial Management Basics - Financial management is a survival skill for ordinary people, emphasizing the importance of managing limited resources effectively [2] - Understanding where money is spent is crucial; small expenses can accumulate and impact savings significantly [3][5] - The mindset shift from anxiety to confidence is a key benefit of effective financial management [6] Group 2: Steps to Financial Success - The first step is to cultivate a saving habit, even if it is a small amount each month [5] - Investing in interest-generating assets like funds and bonds is the second step, focusing on steady growth rather than quick profits [5][6] - Compounding is highlighted as a powerful tool for wealth accumulation over time, demonstrating the importance of patience and consistency [5][6] Group 3: Common Misconceptions - Common pitfalls in financial management include the desire for quick wealth, following trends blindly, and having a short-term mindset [6][7][8] - Financial management should be viewed as a long-term commitment rather than a fleeting interest [8] Group 4: Taking Action - The best time to start financial management is now, regardless of current financial status [9][10] - Taking small steps, such as starting with minimal investments or tracking expenses, is more beneficial than waiting for the perfect moment [11][12] Group 5: The Broader Impact of Financial Management - Effective financial management leads to greater life choices and freedom, allowing individuals to live without the burden of debt and with more security [13][14] - The ultimate goal of financial management is not just wealth accumulation but achieving peace of mind and the ability to live life on one's own terms [14]