文 | 银行螺丝钉 （转载请注明出处） ◆◆◆ urn(( 银行螺丝钉 #螺丝钉小知识 分散投资，为什么能提升持仓 体验? 很多投资者都是从投资指数基金开始自己的投资之路的。 但是怎样投资指数基金，才能获得好收益？ 这里有一门限时免费的福利课程，介绍了指数基金的投资技巧。 想要获取这个课程，可以添加下方「课程小助手」，回复「 指数基金 」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。 有时投资了低估品种,运气较好的话, 下一年就会上涨，迎来高估。 比如2024年9月份买入科技、科创、创 业板相关品种,到2025年三季度,这类 品种已有部分进入高估区间。 本轮牛市中,也有部分品种涨幅不多, 比如消费板块。 这是因为本轮牛市的行情，主要由资金 流动性驱动，而非基本面驱动。而2021 年消费板块的大幅上涨，是源于当时消 费板块具备强劲的基本面支撑。 风险提示 本文仅为信息分享，不构成任何投资建议。市场有风险，投资需谨慎 。 基金投资组合策略过往业绩并不预示其未来表现 为其他客户创造的收益并不构成业绩表现的保证 ▼点击阅读原 文，免费学习大额家庭资产配置课程 ...

Group 1 - The article emphasizes the importance of diversifying investments across both RMB and foreign currency assets, as well as between stocks and bonds, highlighting the role of US dollar bond funds in this strategy [2] - It suggests that investors can access a free course that systematically introduces knowledge about investing in US dollar bond funds, along with supplementary materials like course notes and mind maps for efficient learning [2] Group 2 - The article discusses how to calculate rental yield for real estate, comparing it to dividend yields of stocks and interest yields of bonds, indicating that rental yield can vary significantly even within the same city [5] - It provides specific data on rental yields in Beijing, noting that some neighborhoods have yields around 2%, while most range between 1.5% and 2%, and emphasizes the importance of considering vacancy rates in the calculation [5][6]

Group 1 - The article highlights the general lack of awareness among investors regarding bond index funds compared to stock index funds, and introduces a free course on how to invest in bond index funds [2] Group 2 - The article discusses the differences between financing and investing in the cryptocurrency market, emphasizing that bull and bear markets present distinct opportunities and behavioral logics for market participants [6] - In a bear market, low market valuations and high dividend payouts create favorable conditions for investors to buy quality stocks, while founders and shareholders may find it less advantageous to sell shares [7] - For example, in 2024, the A-share market reached a low of 5.9 stars, with new IPO financing totaling 67.3 billion and total financing around 288 billion, while total dividends reached 2.4 trillion, indicating a dividend-focused market [7]

Group 1 - The article emphasizes the importance of index funds as a starting point for many investors in their investment journey [2] - A free course is offered to teach investment techniques for index funds, including course notes and mind maps for efficient learning [2] Group 2 - The article introduces a method called "screw star rating" to assess whether the stock market is undervalued or overvalued [7] - A 4-5 star rating indicates that the market is generally undervalued, making it suitable for investing in stock funds [7] - Ratings below 4 stars suggest that investors should hold their positions, while ratings of 3 stars and above indicate potential overvaluation, prompting consideration for selling to take profits [7]

Group 1 - The core concept of fund advisory is to address the issue where funds make profits but investors do not [4] - Fund advisory services aim to help investors achieve better returns through professional guidance [5] - The article promotes a free course on fund advisory, providing additional resources like course notes and mind maps for efficient learning [5][7] Group 2 - The concentration of holdings in a fund refers to the proportion of the top 10 holdings relative to the fund's net asset value [10] - A concentrated portfolio can lead to higher volatility, while a diversified portfolio tends to have lower volatility, aligning more closely with market fluctuations [11] - Research by investment expert Burton Malkiel indicates that the number of stocks in a portfolio inversely correlates with risk, with 50 stocks generally aligning risk with the overall market [12][15]

Group 1 - The core concept of fund advisory is to address the issue where funds make profits, but investors do not [4] - Fund advisory services are designed to help investors achieve better returns through professional guidance [5] - The article emphasizes the importance of having advisors in specialized fields, similar to how doctors and lawyers provide expertise [6] Group 2 - The article discusses the concept of investment opportunities during bear markets, suggesting that they occur approximately every 3-5 years [13] - It highlights that in the last 15 years, A-shares have experienced three bear markets: 2012-2014, 2018, and 2022-2024 [12] - The potential for investment opportunities diminishes after 2025, indicating that the allure of investment in 2025 may not be as strong as in 2024 [12]

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 preparation before starting a fund investment and how to create a solid investment plan [2] - The article presents four different investment methods and encourages readers to identify which one suits them best, along with strategies for profit-taking [2] Group 2 - The article mentions a free course available to help individuals understand fund investment better, including course notes and mind maps for efficient learning [2][3]

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]