螺丝钉的新书，《个人养老金投资指南》上市啦，扫描下方二维码即可下单。 也可以在京东App，搜索"银行螺丝钉"购买。 文 | 银行螺丝钉 （转载请注明出处） 与前几本书一样，这次螺丝钉也精心准备了新书福利礼包，福利版包括了三重福利，具体规则 可见文末。 福利版限量5千册，先到先得，感兴趣的朋友可以抓紧时间下单。 为什么会有这本书？ 随着老龄化社会的发展，缴纳养老金的人会变少，但使用养老金的人会变多。 我们面临的养老形势，越来越严峻。 仅靠基本养老金，或许难以支撑我们理想中的晚年生活。 养老规划早一步启动，就多一份从容。 2022年11月，国家出台了个人养老金制度。 投资个人养老金，我们既可以为自己的养老增添一份保障，还能享受个税递延的优惠。 然而，投资者对于个人养老金的疑问也比较多。 什么是个人养老金，哪些人适合参加？ 账户里怎么存钱最划算，怎么享受税收优惠？ 有哪些养老指数基金可以投资，该怎么做搭配？ …… 为了帮投资者更好地了解个人养老金，螺丝钉精心设计了这本书，希望能为大家的投资之路提 供一些帮助。 这本《个人养老金投资指南》，也是继 《红利指数基金投资指南》（点击查看） 之后，「螺 丝钉投资指南口袋书」 ...

文 | 银行螺丝钉 （转载请注明出处） 不同地区股票市场不是同涨同跌的。了解多个股票市场，投资者可以把握更多的投资机会。 全球投资还可以显著降低波动风险。 那么，如何做好全球投资，分享全球市场长期上涨的红利呢？ 这里有一门限时免费的福利课程，介绍了通过指数基金投资全球股市的方法。 想要获取这个课程，可以添加下方「课程小助手」，回复「 全球 」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。 攻可裂用脂肪基金 e Services 长按添加@课程小助手,回复「全球」 免费领取《全球指数投资指南》课程 更有课程笔记、思维导图 帮你快速搞懂全球指数投资, 分享全球市场长期上涨的红利 s and the manufacture and the comments of th 基金有风险,投资需谨慎 urnel #螺丝钉小知识 银行螺丝钉 定期定额的定投方法有哪些缺 点? 如何改进? 最常见的定投方法是定期定额的投资, 比如说「每个月1号投入1000元」。 (1) 从长期来看,随着我们收入的增 长,这种定投方式买到的基金份额会越 来越少。 比如说，放在零几年的时候，一个月定 投500元，对很多人来说都 ...

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。 ◆◆◆ 文 | 银行螺丝钉 （转载请注明出处） 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。 urnel 银行螺丝钉 #螺丝钉小知识 机构卖出指数基金，这意味着什 么呢? 在2026年初,大盘整体上涨,这轮牛市 A股首次到3点几星。 在A股涨到3点几星之后,国内几个规模 最大的ETF指数基金,出现了大额资金 的净流出。其中像规模最大的沪深 300ETF,一天就净流出了大约200亿金 额,创下了2012年以来最大的单日净流 出会额。 流出的时间，主要集中在1月14日-2月2 日之间（观察ETF的每日成交量就可以 看到）。持续了两周多，2月2日之后流 H H W V 叫伽拟之 」 、 六 代 以 丁 又 寸 。 报告披露完可以看到。 有朋友问,机构投资者卖出很多指数基 金，代表什么信号呢? 国内指数基金市场，最近几年规模增长 非常迅速。前几年ETF总规模不到1万 亿,到了202 ...

来源：阿尔法工场DeepFund 导语：当公募行业步入2026年的深度洗牌期，有人在高歌猛进，有人在悄然离场。 开年公募上演冰火两重天，一边是公募总规模持续创新高，一边是小基金公司开始出清。 2026年一开始，就有一家基金公司在成立十几年后即将迎来自己发展的终局。 1月26日华宸未来基金公告称将召开基金份额持有人大会，将旗下仅剩的一只债券基金变更管理人为富 国基金。随着2月25日基金份额持有人大会结束，会议流程进入投票统计阶段，管理人变更是小切大， 投票结果应该不会出什么意外。 等富国基金接手后，基金将更名为"富国丰泰债券"，正式由富国基金接管。相比于以往的公募基金直接 清盘，通过"管理人变更"实现产品线平移，也不失一个良策。这或许会成为未来更多陷入困境的小型公 募退出的"标准模板"。 华宸未来的警示 华宸未来基金的离场并非突发事件，而是一场长达两年的"慢性衰落"。这家公司虽然已经成立十几年 了，但是知名度一直比较弱，规模始终未能有效突破。 中小基金公司的行业困局 华宸未来并非特例，它或许是未来中小公募基金在规模与盈利双重挤压下被迫出清的先头兵。 公募是一个具有显著规模经济特征的行业，在当前费率下移与渠道准入 ...

Core Viewpoint - The recent suspension of real-time fund valuation by various third-party financial platforms has raised concerns among investors about how to make informed investment decisions without access to real-time data [1]. Group 1: Suspension of Real-Time Valuation - Multiple third-party platforms have removed the real-time valuation feature for funds, now only displaying the previous day's net value [1]. - The regulatory authorities mandated the removal of real-time valuation features to prevent misleading investors, as discrepancies exist between real-time estimates and actual net values [1]. Group 2: Alternative Investment Strategies - Investors can estimate the daily valuation of funds by monitoring the performance of corresponding indices, such as using the Shanghai and Shenzhen 300 Index for index funds [3]. - For industry-themed funds, investors should track the relevant industry indices, while bond funds can refer to the China Bond Composite Index [3][4]. - It is suggested that investors focus on the investment strategy, long-term performance, and risk management of the fund rather than short-term fluctuations [4].

Core Insights - Banks are increasingly targeting the "red envelope" money from children, launching specialized savings and investment products to attract young customers [2][3][14] - The competition among banks for this demographic is seen as a long-term customer acquisition strategy, focusing on lifetime value and family connections [10][11] Group 1: Market Trends - Many banks have introduced children's savings products with higher interest rates compared to regular deposits, indicating a strategic move to attract young savers [7][9] - For example, banks like Huaxia Bank and Ruifeng Bank offer children's savings accounts with interest rates significantly above standard rates, such as 1.75% for a three-year term compared to 1.30% for regular deposits [7][9] - The marketing of these products is part of a broader trend where banks are recognizing the potential of the children's financial market, which is still in its early stages in China [12] Group 2: Product Offerings - Various banks have launched specific products aimed at children, such as Huaxia Bank's "Sunshine Growth Plan" and Qingxin Rural Commercial Bank's "Play with Red Envelope" campaign, which includes incentives like prize draws [5][6] - Investment products are also being marketed to children, with banks like ICBC promoting low-risk bond funds and index funds as suitable options for growing "red envelope" money [6] - The interest rates for children's savings accounts are often structured to be more attractive than those for adult accounts, serving as a "door opener" for banks to establish long-term relationships with families [9][10] Group 3: Strategic Implications - The focus on children's financial products is part of a "positioning war" among banks, aiming to secure future customers from a young age [10][11] - Banks are leveraging the family connection aspect, where serving one child can lead to the entire family's engagement with the bank's services [10][11] - The accumulation of data from young customers is seen as a foundation for future personalized services, transitioning from a "flow thinking" to a "retention thinking" approach in banking [11][12]

2025年，境内ETF延续强劲增长态势，规模已突破6万亿元大关，成为亚洲第一大ETF市场。越来越多的投资者选择通过指数基金搭建核心仓位，这些指数 基金不仅仅只是基金产品，更是一套帮助实现资产配置的"工具箱"。 资产配置的核心在于多元分散，但在实践当中，不少投资者的"分散"可能流于表面。如何利用指数工具实现真正有效的分散配置？广发基金建议投资者可从 成分股、风格、行业与策略、投资市场和大类资产这五个维度着手进行资产配置。 一、不同的成份股 一些投资者误以为买入名称不同的指数基金，就相当于实现了分散配置。事实上，若两只指数的成份股重合度较高，则可能陷入"伪分散"的误区。 以沪深300和中证800为例，根据指数的编制方案，中证800由沪深300和中证500的成份股共同构成。这意味着同时持有沪深300和中证800，表面上看似分别 投资两个指数，实则是"加倍"配置了其中的300只股票，并没有很好地起到分散风险的作用。 相比之下，中证1000和中证800的情况则截然不同。中证1000由中证800以外的规模偏小且流动性好的1000只成份股组成，二者在成份股上完全不重合。若同 时持有这两只指数，便能起到对冲或互补的作用。 因 ...

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 ...

If you moved $25,000 from checking into a savings account paying 4%, you’d collect about $83 in in interest per month—or roughly $1,000 a year—just for keeping it in a high-yield account.That’s why keeping far more in checking than you need for monthly bills—like the $33,000 this Redditor holds—quietly works against you. A better approach is to leave only what you typically spend in a month, plus a small cushion to handle surprises, in your checking account. Then move the rest into a high-yield savings acco ...

Group 1: Investment Trends - The demand for investment and financial management is increasing as residents have more disposable income during the Spring Festival, driven by year-end bonuses and the trend of saving "growth funds" for children [1][2] - Financial experts suggest that investors should focus on asset allocation rather than blindly chasing high returns or sticking to single products, emphasizing a balanced approach to wealth growth [2] Group 2: Financial Products and Services - Various financial institutions, including Guangfa Bank and Suzhou Bank, are launching child-specific financial products such as dedicated bank cards and savings accounts, with some offering interest rates as high as 1.75% for three-year deposits [3] - The low interest rate environment is expected to persist, leading to a decrease in available high-yield deposit products, which has shifted investor focus towards alternative investment options [3][4] Group 3: Asset Allocation Strategies - In a low interest rate environment, securing long-term returns is crucial, with large time deposits still serving as a foundational element in asset allocation [4] - Investors are encouraged to diversify their portfolios by including liquid assets like short-term bond funds and equity assets to capture excess returns while maintaining stability [4][5] Group 4: Market Outlook - The stock market is anticipated to continue its slow bull trend, with technology stocks expected to remain a primary investment focus, particularly in sectors highlighted in the "14th Five-Year Plan" [7] - The current valuation of the market, with the CSI 300 index trading at around 15 times earnings, suggests that there are still ample investment opportunities available [7]