文 | 银行螺丝钉 （转载请注明出处） 这里有一门限时免费的福利课程，介绍了基金投顾的方方面面。 想要获取这个课程，可以添加下方「课程小助手」，回复「 基金投顾 」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。 基金投顾，顾名思义，就是基金的投资顾问。 很多行业都有顾问，特别是一些专业性很强的行业。 例如， 基金投资也是如此。 基金投顾的诞生，正是为了解决基金行业存在的"基金赚钱，基民不赚钱"的问题。 那么，基金投顾有哪些优势？ 是如何通过"投"和"顾"，帮助投资者获得好收益的呢？ 如果是螺丝钉的话，会考虑等机会出现 再出手。 巴菲特对此，有一个形象的比喻，假设 一生只有20次投资机会,每次决策都会 在卡片上打一个孔，打完即止。这样会 更加慎重的考虑每次的投资。 这个20次投资机会,不是说买20个股票 基金,或只出手投资20次,而更像是遇 到了20次熊市。 • 看病吃药，需要医生，医生就是顾问； • 有法律问题，需要律师，律师也是顾问。 基金投顾是什么? 電荷24用用? 长按添加@课程小助手,回复「基金投顾」 免费领取《螺丝钉基金投顾入门课》课 更有课程笔记、思维导图,帮你快速了解基金投 ...

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。 如何才能做好基金定投? 七长按添加@课程小助手,回复「基金定投」 tics 3 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 t金有风险,投资需谨慎 #螺丝钉小知识 /////// 银行螺丝钉 什么情况下会出现5星级? 5星级是股票市场估值最低、投资价值最 高的阶段，在投资的时候，5星级是比较 少见的。 例如最近这轮熊市中,其实2022年、 2023年、2025年，5星的时间都比较 少，回到5星后，下跌幅度也不大。 通常股票市场是一个复杂动态变化的过 程,大多数时间里,有好的股票,也有 不好的股票;有便宜的，也有估值高的 品种。 这种情况下，市场整体估值，很难说达 到特别低。 东边不 ...

Group 1 - The article highlights that most investors are familiar with stock index funds but have limited knowledge about bond index funds and their investment strategies [2] - A free course is offered to educate investors on how to invest in bond index funds, including course notes and mind maps for efficient learning [2] Group 2 - Long-term investment is defined as an investment period of more than five years, which is often more challenging than most investors realize [5] - The article outlines two main benefits of long-term investment: it allows investors to ride out market cycles and achieve average returns over time [6] - For stock funds, investing for only one or two years may lead to unstable returns due to market fluctuations, while a longer investment horizon can provide more stable outcomes [6]

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 emphasizes that different regional stock markets do not move in unison, allowing investors to seize more investment opportunities by understanding multiple markets [2] - Global investment can significantly reduce volatility risk, highlighting the benefits of diversifying investments across different markets [2] - A free course is offered to teach methods for investing in global stock markets through index funds, aiming to share the long-term gains of global markets [2][3] Group 2 - The article discusses the difference between systematic investment (定投) and phased investment (分批建仓), clarifying that systematic investment involves regularly converting cash flow into financial assets [4][5] - Phased investment is a technique where investors divide their capital into smaller portions to mitigate risk, commonly used by fund managers during the initial stages of a new fund [5]

Group 1 - The article discusses the importance of understanding investment strategies for index funds to achieve good returns [2] - A free course is offered to help investors learn index fund investment techniques, along with course notes and mind maps for efficient learning [2] Group 2 - The article highlights three situations where valuation percentiles may fail as a judgment indicator in investments [6] - Situation one involves significant earnings volatility, which can lead to ineffective price-to-earnings (P/E) ratios; in such cases, price-to-book (P/B) ratios can be referenced as an alternative [7][8] - Situation two pertains to indices with a short historical record, where low valuation percentiles may not indicate undervaluation due to insufficient historical data [10] - Situation three addresses changes in index rules, which can significantly alter valuation data; for example, the changes in the China Securities 100 index in June 2022 led to a shift in P/E ratios from around 10 to 13-14 [11][12]

Group 1 - The article discusses the cyclical nature of the stock market, highlighting that it oscillates between bull and bear markets due to economic cycles [7][11] - Three main cycles affecting the stock market are identified: fundamental cycle, liquidity cycle, and sentiment cycle [7][11] - The fundamental cycle refers to the growth rate of corporate earnings, which has been slow from 2022 to 2024, with a potential recovery in 2025 for certain sectors like technology and military [8][11] Group 2 - The liquidity cycle is influenced by the availability of capital, particularly affected by interest rate changes, with a significant rise in A-shares and Hong Kong stocks following the Federal Reserve's rate cuts in September 2024 [9] - The sentiment cycle reflects investor emotions, where optimism peaks during market rises and pessimism during declines, impacting investment decisions [10][11] - The interplay of these cycles can lead to simultaneous peaks or troughs, resulting in pronounced bull or bear markets [11]

Group 1 - The article introduces the concept of bond index funds and highlights that many investors are familiar with stock index funds but less so with bond index funds [2] - A free course is offered to educate investors on how to invest in bond index funds, along with supplementary materials like course notes and mind maps for efficient learning [2][8] Group 2 - The article explains the benefits of diversification in investment, illustrating that having multiple investment options can lead to higher overall returns compared to concentrating investments in a single area [6] - An analogy is provided using a mother with two daughters, one selling umbrellas and the other selling cloth, to demonstrate how diversification can stabilize income and increase profitability by offsetting losses in one area with gains in another [6]

Group 1 - The article emphasizes that stock markets in different regions do not move in unison, suggesting that understanding multiple markets can provide investors with more opportunities [2] - Global investment can significantly reduce volatility risk, highlighting the benefits of diversifying investments across different markets [2] - A free course is offered to teach methods for investing in global stock markets through index funds, aimed at helping investors capture long-term market growth [2] Group 2 - The article introduces a tool called the "Golden Bull and Bear Signal Board" designed to help assess the valuation of gold, indicating a structured approach to understanding gold market dynamics [5] - Weekly updates on the Golden Bull and Bear Signal Board will be available, providing users with timely information for their investment decisions [5] - Additional resources are available for those interested in detailed explanations of the indicators used in the Golden Bull and Bear Signal Board [5]

Group 1 - The article emphasizes that fund regular investment is a suitable method for lazy investors and discusses how to effectively implement it [2][3] - It outlines the preparation needed before starting a regular investment plan and how to create a solid investment strategy [2] - The article introduces four different methods of regular investment and suggests ways to take profits [2] Group 2 - The article discusses the concept of valuation recovery in investments, highlighting that different styles of investments (large, medium, small caps, growth/value) typically exhibit this characteristic [6][7] - It notes that styles previously at high valuation levels tend to decline, while those at low levels may experience an increase in the future [7] - The article advises diversifying investments across different undervalued styles to benefit from potential future increases in any of these styles [8]