另外，今年8月上交所基金新开户18.25万户，B股新开户0.09万户。若将A股、B股、基金的新开户数加总，今年8月上述3类新开户数合计达283.37万户， 较同一口径下7月的212.58万户增长超过70万户。 今年以来，上交所A股新开户数经历了较为明显的起伏，今年6月开始重回增长态势。具体来看，今年1月开局平稳，当月上交所A股新开户数为157万户； 2月环比大幅增长，达到283.59万户；3月进一步增长，达到306.55万户；今年4月受到当月A股市场整体下跌影响，A股新开户数下降至192.44万户；5月受 假期影响进一步回落，至155.56万户；6月则小幅回升至164.64万户；7月则进一步大幅回升至196.36万户；8月达到265.03万户，开户数增长速度明显加 快。 值得注意的是，8月A股表现强势，其中，上证指数8月累计涨近8%，科创50指数累计涨28%。 上交所8月A股新开户数达265万户 同比大增165% 9月2日，上交所发布的新开户数据显示，今年8月上交所A股新开户265.03万户，较今年7月的新开户数196.36万户增长近69万户，环比增长逾三成，较去 年8月大增约165%（去年8月上交所A股新开 ...

Core Viewpoint - The article discusses the challenges of accumulating the initial capital necessary to achieve a target annual return of 4%, as proposed by the FIRE (Financial Independence, Retire Early) movement, emphasizing that the hardest part is often saving enough principal rather than achieving the return itself [1]. Group 1: Accumulation of Initial Capital - Many individuals accumulate their initial capital through hard work and savings, often leading to a long and challenging process [2][6]. - Some individuals rely on family support, successful entrepreneurship, or other less conventional means to gather their initial funds [1][4]. - The importance of frugality and delayed gratification is highlighted, with many individuals sharing their experiences of living modestly to save money [5][8]. Group 2: Investment Strategies and Experiences - Individuals often start investing in various financial instruments, such as funds and real estate, after accumulating enough capital [9][11]. - The article mentions the significance of maintaining a balance between preserving capital and pursuing returns, with a focus on stable investment practices [12][14]. - There is a discussion on the changing economic landscape, where traditional high-paying jobs may no longer suffice for capital accumulation, leading to a need for alternative investment strategies [7][10]. Group 3: Personal Experiences and Observations - Many contributors share personal anecdotes about their financial journeys, illustrating the diverse paths to capital accumulation, including sacrifices and strategic investments [3][9]. - The narrative reflects a broader concern about the financial habits of younger generations, who may struggle with spending and saving compared to previous generations [3][4]. - The article concludes with a sentiment that financial freedom is ultimately about having the ability to make choices rather than merely accumulating wealth [11][14].