Core Viewpoint - The article emphasizes that while bank wealth management products are perceived as safe, they are actually leading to a gradual loss of purchasing power due to inflation, with returns typically only between 2%-3% [1][4]. Group 1: Bank Wealth Management - Bank wealth management products offer low returns of 2%-3%, which are outpaced by rising costs of living such as housing, food, and education [1]. - The concept of "slow loss" is introduced, highlighting that while the principal remains intact, the real value diminishes due to inflation [1]. Group 2: Investment Alternatives - The stock market and mutual funds have historically provided higher returns, with the CSI 300 index increasing over 50% in the past decade, and index fund investments potentially doubling [3]. - The cryptocurrency market, despite its volatility, presents significant opportunities for wealth growth, as evidenced by Bitcoin's rise from $10,000 to $60,000 [3]. Group 3: Investment Strategy - A diversified asset allocation strategy is recommended, including liquid funds for safety, real estate for stable appreciation, and a mix of stocks, mutual funds, and a small portion of cryptocurrencies for higher returns [4]. - The article concludes that relying solely on bank wealth management is a "safety trap," and those willing to invest are more likely to see their wealth multiply [4].

转自：北京日报客户端 明明没有点击任何手机应用，更没有发送、收到任何验证码，但存储在某钱包软件里价值数十万元的虚 拟币竟然莫名其妙消失了，这究竟是什么原因？经浙江省温州市鹿城区检察院提起公诉，日前，一个窃 取虚拟币的骗局被揭开。 钱包软件中的虚拟币不翼而飞 卓先生是资深的虚拟币玩家，有着较高的安全意识，了解各类虚拟币骗局案例，平日里也会将助记词 （可用于访问加密货币钱包的单词，是虚拟币钱包的重要密码）脱机保存。自以为经验丰富的他，没想 到有一天会在自己擅长的领域栽了跟头。 2023年3月，虚拟币交流群内一个名为"露露"的群友申请添加卓先生为好友。对方自称是某虚拟币钱包 软件国内推广商，只要用户将虚拟币存入该钱包，就能以高于市场价的比例使用虚拟币兑换电子购物 卡。卓先生扫描对方提供的二维码下载安装应用，发现确为某钱包软件。 一开始，出于安全考虑，卓先生多次存入小额虚拟币和对方兑换，"露露"均兑现承诺，给他换了电子购 物卡。一段时间后，"露露"对卓先生说："你不如一次性多存点，我帮你全兑换了。记住咯，我先给你 电子购物卡，你再给我转虚拟币，我公司不会让客户承担任何风险的！"于是，卓先生彻底放下防备， 将自有虚拟币 ...

不知道大家有没有关注到最近资本市场的一个新现象： 本来炒的火热的黄金，近段时间波动率越来越大！ 4月底每盎司上到800元/之后，就一直在震荡下跌，价格在740-780之间徘徊了将近一个月。 而和黄金的震荡相比，最近虚拟币的上涨反而非常猛，突破历史新高到了11万美金的位置，今年开始已经上涨了17%。 BTC开始上涨，黄金反而有点上涨乏力。 大家不要单纯地以为这就是市场现象。 绝对不是！ 大家一定要搞清楚一点： 老美对全球资金的流向，有着超乎很多人想象的掌控力。 资金从黄金转向BTC，恰恰说明 现在懂王和美丽国的策略变了。 之前，懂王是想用对等关税，硬生生从其他国家那里抢钱，给自己增加财政收入还美债利息，维持美债的稳定。 但是因为东大带头对抗，关税收不上来，钱反而都因为害怕老美变卦全都拿去买黄金不买美债了，美债危机不但没有缓解，反而还越来越麻烦。 所以"关税"这个抢钱路子只能作罢。 那现在懂王的新策略，是 "曲线救国"。 简单点说就是—— 热捧虚拟币，搞大饼计划，吸引资金流向虚拟币。 所以你能看到最近的全球BTC大会，懂王的儿子以及副总统万斯都去了。 我在之前的文章就已经说过，虚拟币市场虽然被吹捧为去中心化的货币 ...

Group 1 - The principle of "do not invest if you do not understand" serves as a protective measure for novice investors, emphasizing risk control, knowledge accumulation, long-term perspective, and psychological resilience [1][2][7] - New investors often fall into traps due to information asymmetry or blind following, leading to significant losses, as seen in the 2021 cryptocurrency market [2][6] - The principle encourages investors to ask critical questions about asset attributes and risk characteristics before making investment decisions [2][8] Group 2 - Knowledge accumulation is essential for building a cognitive framework, enabling investors to understand industry dynamics and identify companies with core technologies [3][5] - Understanding market signals, such as the inverted yield curve, allows investors to adjust their asset allocations proactively rather than reactively [5][6] - The principle fosters a long-term investment mindset, where understanding the correlation between stock market returns and corporate earnings growth helps investors remain committed during market downturns [6][7] Group 3 - Psychological resilience is crucial in investment, as behavioral biases like overconfidence and loss aversion can lead to poor decision-making [7][8] - The principle helps investors establish decision-making discipline by setting cognitive thresholds, allowing them to filter out market noise [7][8] - By understanding valuation logic, investors can make rational decisions based on fundamentals rather than historical price points [8] Group 4 - The principle of "do not invest if you do not understand" is not conservative but reflects respect for the market and honesty with oneself, promoting a learning-practice-reflection cycle [9] - Investors should be able to answer key questions about a company's revenue generation, industry potential, and risk factors to internalize this principle [9] - Maintaining capital is prioritized over seeking returns, with the principle serving as the first line of defense in wealth preservation [9]

此前欧盟通过《加密资产市场临时法案》要求所有虚拟币交易平台必须在48小时内披露储备金证明。监 管风暴导致Coinbase、Kraken等平台单日流失超23亿美元资产，而XBIT去中心化交易所平台的链上TVL 却逆势增长58%，其完全透明的资金池机制引发行业地震。 链上数据显示，法案生效后12小时内，XBIT去中心化交易所平台新增37.4万欧洲用户。来自米兰的机 构交易员Giovanni在推特发布视频："我在传统平台持有的82个BTC通过XBIT跨链桥10秒完成转移，手 续费仅为中心化平台的1/20。"亚洲市场同步出现连锁反应。日本金融厅连夜修订《资金决算法》实施 细则，明确认可XBIT采用的自主托管模式。大阪Quant Fund披露，其通过XBIT建立的BTC/JPY流动性 池，在今日市场恐慌中仍保持0.3%以内的滑点。 图片来源：币界网 在技术端，XBIT宣布其Layer2解决方案创下历史性突破：基于比特币闪电网络的支付通道单日处理107 万笔交易，平均手续费0.0001美元。该成就恰逢比特币主网手续费飙升至35美元，数百万用户转向更高 效的虚拟币交易平台。XBIT去中心化交易所平台独创的"原子交换+闪电网 ...