[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020101210501977303":3,"related-JP2020101210501977303":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":19,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":25,"canCopy":19,"likeCount":7,"duration":19,"playStyle":7,"seoKeywords":26,"articleModuleVoList":27,"extendContentList":28,"noteCount":19,"categoryList":29,"dailyKeywordList":30},10,2703,"1",1,"JP2020101210501977303","1041018",3,"","每月拿出1000元，买什么产品好？","https:\u002F\u002Fimage.jane7.com\u002Fcb8ddc4d-533f-4df7-951b-da6fbc0b34c2.png","https:\u002F\u002Fimage.jane7.com\u002F028ae2e4-0a08-42c9-9598-62a53f2c955a.png","先做好资金规划，再考虑开始投资。短期不用的钱，如果利用好了，也能给我们带来不错的收益。","\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">经常有初入职场的朋友留言问：“现在收入不高，每月只能存下1000块，短期内用不上，可以买什么产品？”\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">在投资前，想和你分享一条很重要原则：\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">先做好资金规划，再考虑开始投资。\u003C\u002Fstrong>短期不用的钱，如果利用好了，也能给我们带来不错的收益。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">你可以将这笔钱分成2部分考虑：\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cblockquote style=\"margin: 1em 16px; padding: 4px 0px 0px 10px; border-left: 3px solid rgb(219, 219, 219); color: rgba(0, 0, 0, 0.5); font-size: 15px; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">短钱：1个月~1年以内，要用到的钱；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">中钱：1年~3年内，可能要用的钱。\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">然后，我们具体聊聊这两块。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); background-color: rgb(250, 192, 143); font-size: 16px;\">\u003Cstrong style=\"font-size: 16px; letter-spacing: 0.544px; margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"background-color: rgb(250, 192, 143); color: rgb(0, 0, 0); margin: 0px; padding: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">01 1年内要用的钱\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"background-color: rgb(247, 150, 70);\">\u003Cspan style=\"background-color: rgb(247, 150, 70); font-size: 14px; color: rgb(0, 0, 0);\">\u003Cstrong style=\"font-size: 16px; letter-spacing: 0.544px; margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"background-color: rgb(247, 150, 70); font-size: 14px; margin: 0px; padding: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"background-color: rgb(247, 150, 70); font-size: 14px;\">\u003Cstrong style=\"font-size: 16px; letter-spacing: 0.544px; margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"background-color: rgb(247, 150, 70); font-size: 14px; margin: 0px; padding: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; color: rgb(214, 168, 65); box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size: 14px;\">\u003Cstrong style=\"font-size: 16px; letter-spacing: 0.544px; margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fstrong>\u003Cstrong style=\"font-size: 16px; letter-spacing: 0.544px; margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px; margin: 0px; padding: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; color: rgb(214, 168, 65); box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); background-color: rgb(250, 192, 143); font-size: 16px;\">\u003Cstrong style=\"font-size: 16px; letter-spacing: 0.544px; margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"background-color: rgb(250, 192, 143); color: rgb(0, 0, 0); margin: 0px; padding: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">一般，1年内要用到的钱有2个特点：一是，使用时间相对明确；二是，资金安全很重要。依据这两点，你可以看看这几类产品。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1）银行创新存款\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cblockquote style=\"margin: 1em 16px; padding: 4px 0px 0px 10px; border-left: 3px solid rgb(219, 219, 219); color: rgba(0, 0, 0, 0.5); font-size: 15px; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">优点：安全+灵活存取\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">缺点：降息趋势+限额\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这类创新存款，1～12个月期限的，收益一般在3.3%～4.6%之间，比起余额宝能高出2%左右。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">除了收益优势外，因为本质是银行存款，50万以内的本息，受“银行存款保险”制度保护，安全性也是比较有保障的。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">只可惜，现在这类产品也越来越少了，不少都进入了「限时抢购」状态，额度不充足。部分产品甚至出现降息、下架的情况，\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">未来可能也不是长远之计。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">2）三大金融机构的定期理财产品\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cblockquote style=\"margin: 1em 16px; padding: 4px 0px 0px 10px; border-left: 3px solid rgb(219, 219, 219); color: rgba(0, 0, 0, 0.5); font-size: 15px; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">优点：选择范围广、平台多\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">缺点：产品描述不统一，投资方向要注意\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">大家熟悉的银行、证券公司、保险公司，也都会发行一些定期产品，常见的就包括银行理财、券商收益凭证、质押式报价回购、养老计划等。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">比如很多人，对理财的初体验，都是从支付宝、微信理财通开始的。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">除了货币基金外，相信你也有留意到，里面还有不少固定期限的理财产品，就很典型。1年期左右的，展示的收益情况，一般超过4.5%。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这些正规金融机构，都有资格发行理财产品。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">本质上，就是指我们把钱委托给不同机构，让TA代替我们去做投资，然后再约定的规则，把收益付给我们。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">就拿大家更熟悉的银行理财为例，实质就是，你雇佣了银行这个“投资中介”，帮你做投资、赚收益。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不同产品怎么分析呢？我建议\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; background-color: rgb(255, 254, 213); box-sizing: border-box !important; overflow-wrap: break-word !important;\">从《产品说明书》\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">里找答案。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">至少有这么几个要素，得明明白白：\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">发行机构、风险等级、资金投向、产品期限、买卖规则，\u003C\u002Fstrong>搞清楚了再投资。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; background-color: rgb(255, 254, 213); box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1年以内要用的钱，除了要匹配上产品期限，尤其还要确认风险，是不是比较低的，能够满足你的用钱需求。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); font-size: 16px; background-color: rgb(250, 192, 143);\">\u003Cstrong style=\"font-size: 14px; text-align: justify; letter-spacing: 0.544px; margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; background-color: rgb(250, 192, 143); color: rgb(0, 0, 0); margin: 0px; padding: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">02 1年~3年要用的钱\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">再来说说期限更长的，1～3年可能要用到的钱。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">其实这个时间段，稍稍有点“尴尬”，说长不长，说短也不短。先不说投资安排吧，连具体什么时候、要用多少钱，都不太拿得准了。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不过，反过来说，这笔钱也比1年以内要用的钱，发挥空间大一点。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">具体分享2个方向。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1）债券基金\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cblockquote style=\"margin: 1em 16px; padding: 4px 0px 0px 10px; border-left: 3px solid rgb(219, 219, 219); color: rgba(0, 0, 0, 0.5); font-size: 15px; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">优点：长期收益不错，风险低于股票型基金\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">缺点：短期有波动，可能亏损\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">债券基金，此前我们也科普过。\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">TA的本质，是把钱借给企业或机构\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">。所以，债券基金投资的是企业的还债能力，而非盈利能力，投资风险也比股票型基金低一些。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">但\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; background-color: rgb(255, 254, 213); box-sizing: border-box !important; overflow-wrap: break-word !important;\">必须强调的是，债券基金不保本，短期波动下也会有亏损风险，并非一个稳赢的投资渠道。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; background-color: rgb(255, 254, 213); box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; background-color: rgb(255, 254, 213); box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; background-color: rgb(255, 254, 213); box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">但如果，你投资的期限拉长到1年以上，亏钱的可能性就很低了；在看2~3年这样更长的期限，收益一般还是能跑赢前面两种产品，是不错的选择。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">拿我自己持有的某只债券基金来看，3年上涨了16%，虽然期间有曲折，但总体不差。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">所以，投资债券基金，耐心还是挺重要的，短则1年，长则3年，要做好心理准备。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">另外，几天里，或者1、2个月出现了账面浮亏，也别心慌，确定你会投资1年以上的大前提，\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; background-color: rgb(255, 254, 213); box-sizing: border-box !important; overflow-wrap: break-word !important;\">安心持有比反复买卖强\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">2）进阶：定制保本组合\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cblockquote style=\"margin: 1em 16px; padding: 4px 0px 0px 10px; border-left: 3px solid rgb(219, 219, 219); color: rgba(0, 0, 0, 0.5); font-size: 15px; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">优点：攻守兼备\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">缺点：需要学习更多理财知\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">介绍一个朋友的做法，思路满值得借鉴的。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">她之前打算2年后买辆10万出头的代步车，于是她月都会拿出5000块，在支付宝上买个6个月左右的低风险定期理财产品，到期了就再买一次这类产品。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这部分钱，2年就能攒够12万，方便买车。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不过，她会把每次收到的利息，顺手定投到沪深300指数基金中，毕竟这两年A股整体还是不贵的。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">按她的说法，基金部分如果2年后涨得好，可以给买车基金加点BUFF，市场一般就继续持有，买车也没啥影响。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(73, 73, 73); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; text-align: left; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这么做的好处是，\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">本金始终有保障，而利息则能争取一些高收益的可能。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fp>","2020-10-12 10:49:24",100,0,"xuyang@jane7.com","2020-10-12 10:50:19",93,false,8111,"1038002","理财",[],[],[],[],[32,44,53,63],{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":35,"locationType":36,"sortNumber":37,"articleTitle":38,"introduction":39,"coverImage":40,"likeCount":19,"realSearch":23,"createTime":41,"seoUrl":42,"seoKeywords":43},94,"财商入门","JP2020052011170568133",2,20200520,"让工资帮你赚钱的几个小建议","想改善自己的财务状况，就从发工资的那天开始分配好每一笔钱。","https:\u002F\u002Fimage.jane7.com\u002Fe6d57026-988a-460f-8cf5-cde00bbd24fe.png","2020-05-20 11:17:05","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020052011170568133-94.html","理财,工资,消费观",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":45,"locationType":36,"sortNumber":46,"articleTitle":47,"introduction":48,"coverImage":49,"likeCount":50,"realSearch":23,"createTime":51,"seoUrl":52,"seoKeywords":26},"JP2020102310034071360",20201023,"1个思路，轻松打理闲钱","今天我们从1个思路出发，和你分享合理的资产分配思路。","https:\u002F\u002Fimage.jane7.com\u002F897a7fbc-22b9-419f-93df-544c9c269014.png",12,"2020-10-23 10:03:40","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020102310034071360-94.html",{"pageSize":4,"articleWikiId":54,"wikiName":55,"articleCode":56,"locationType":36,"sortNumber":57,"articleTitle":58,"introduction":58,"coverImage":59,"likeCount":19,"realSearch":23,"createTime":60,"seoUrl":61,"seoKeywords":62},97,"理财产品","JP2020071417444230323",20200714,"有没有不会亏的投资？说说这3种理财产品","https:\u002F\u002Fimage.jane7.com\u002F9f680140-f8aa-46ca-9837-0ee3a5b0f2c0.png","2020-07-14 17:44:42","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020071417444230323-97.html","牛市,保本投资,保本理财",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":64,"locationType":36,"sortNumber":65,"articleTitle":66,"introduction":67,"coverImage":68,"likeCount":19,"realSearch":23,"createTime":69,"seoUrl":70,"seoKeywords":26},"JP2020101614533821999",20201019,"已经赚了15%，基金要不要卖？","大涨之后，到底要不要操作，怎么操作？","https:\u002F\u002Fimage.jane7.com\u002F74e56d33-c652-4654-9cd2-665a6e7a0054.png","2020-10-16 14:53:38","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020101614533821999-94.html"]