[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2022091413401052072":3,"related-JP2022091413401052072":35},{"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":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":21,"updateBy":22,"createTime":23,"visitCount":24,"isLiked":20,"realSearch":25,"isRead":20,"productId":26,"isCollected":20,"collectCount":27,"vipExclusive":20,"allowComment":7,"style":28,"likeCount":29,"duration":20,"playStyle":7,"seoKeywords":11,"articleModuleVoList":30,"extendContentList":31,"noteCount":32,"categoryList":33,"dailyKeywordList":34},10,5100,"1",1,"JP2022091413401052072","1041018",3,"","1个方法实现，无风险本金翻3倍","https:\u002F\u002Fimage.jane7.com\u002F579b58dd-421a-49a4-a126-219a53c44810.png","https:\u002F\u002Fimage.jane7.com\u002F4a9e205d-aa0e-41d4-9744-19a744f106b0.png","适合普通人的「无风险赚钱」思路","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Csection>\n    \u003Csection>\n     \u003Csection>\n      \u003Csection>\n       \u003Csection>\n        \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; font-size: 16px; min-height: 1em; background-color: rgb(255, 255, 255); visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); letter-spacing: 1px; caret-color: red; font-family: arial, helvetica, sans-serif;\">前几天，朋友们讨论了一个问题：攒够多少钱才敢退休。\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"letter-spacing: 1px; font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">我发现大家对于\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>「养老预期」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">都比较高，这在某种程度上反映了我们对「养老生活」需求的焦虑——\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">如果想要老年生活过得体面，只能寄希望于年轻时多攒点。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">另一方面，我发现因为延迟退休、老龄化等诸多现实因素，\u003C\u002Fspan>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>大家对「社保退休金」的预期越来越低了。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cbr>\n         \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px;\">      \u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">今天就来带大家算算，打工人退休后能领多少养老金，稍微体面点的老年生活又需要多少钱。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Cp style=\"text-align:center; vertical-align: inherit; margin-bottom: 0em; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F5e7963fd-57b2-4cc3-aaf3-093f7f42a5ab.jpg\">\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>“打工人退休后能领多少养老金”\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">先问大家一个问题：\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>等我们退休时，单靠社保退休金来养老，够不够？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">大家都下意识觉得——\u003C\u002Fspan>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>不够。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">那大概差多少呢？\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>70%？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>50%？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>还是30%？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">这个问题，可能就没那么好回答了。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">计算这个数字之前，带大家回顾下\u003C\u002Fspan>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>#养老金代替率：\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Cblockquote class=\"js_blockquote_wrap\">\n         \u003Csection>\n          \u003Csection>\n           \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">养老金替代率=退休后养老金收入\u002F退休前收入*100%\u003C\u002Fspan>\u003C\u002Fp>\n          \u003C\u002Fsection>\n         \u003C\u002Fsection>\n        \u003C\u002Fblockquote>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>根据世界银行的建议，想要维持退休前的生活水平，养老金替代率要大于70%。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">简单来说，就是月薪1万的打工人，退休后至少要拿到7000元，才能维持退休前的生活水平。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>大家记一下70%这个数字，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">我们继续往下。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">追溯到90年代，会发现我们的基础社保退休金替代率，总体呈现出下行趋势。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fdf7a048f-1276-4522-847e-31ea98dd7f08.jpg\">\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\u003C\u002Fsection>\n        \u003Cp style=\"text-align:center; vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(136, 136, 136); font-size: 16px; font-family: arial, helvetica, sans-serif;\">*图源：wind\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">目前，企业职工的退休金的替代率在40%左右，事业单位退休金替代率在60%左右。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">那这笔账就很好算了——\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">咱们从未来想过什么样的养老生活，来倒推现在需要准备多少钱。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"text-align:justify; vertical-align: inherit; color: rgb(73, 73, 73); font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; display: inline !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"text-align:center; vertical-align: inherit; margin-bottom: 0em; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fdf90f7dc-fa39-4ba8-8eed-34f3d56a182b.jpg\">\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>“体面养老，需要多少钱。”\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">一直说，买保险也好，养老也好，很多事情都是丰俭由人。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">我们也不跟高档养老社区、各种精品养老生活比，就按照世界银行的建议，月薪1万的打工人来计算。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">举个例子：\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">35岁的老张月薪1万元，打算60岁退休。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">按照养老金替代率70%来倒推，老张需要在60岁时，每个月拿到相当于现在7000元的购买力，才能维持正常生活。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">这里我没有找到通胀率的官方数据，网上有很多知识类博主从实际购买力、费雪方程等计算模型中，得出的接近答案是：\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">2000-2020年，平均通胀率大约在每年7%左右。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(136, 136, 136); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">*大家有兴趣的可以去知乎看一下，计算过程相当硬核\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">考虑到之前几十年，国内经济高速发展；那么未来随着经济发展速度变缓，通胀率大概率也会下降。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">假设未来25年里，\u003C\u002Fspan>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>平均年通胀率为4%，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">现在的7000元，大约相当于25年后的19000元。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">那25年后，60岁的老张，退休时能拿到多少钱呢？\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">按照现在的政策，我在网上搜了个\u003C\u002Fspan>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>#养老金计算器\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">，测算了一下——\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Ff0d586b2-4690-4969-84c9-50f4c60947fd.jpg\">\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">据推测数据来看，月薪1万元的老张，退休后每个月能拿到8540元。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">老张想要实现养老金替代率70%，那除了社保退休金外，他还需要通过别的途径来补上10460元。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">如果老张有几套房子，老张完全可以出租或售卖，用房养老。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">如果老张持有一些年金险或增额寿，可以用账户里的钱来养老。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">如果老张持有优质公司的股票，也可以用每年股票的分红、收益，来养老。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">总之，实现路径多种多样，重要的是现在就要行动起来。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Cp style=\"text-align:center; vertical-align: inherit; margin-bottom: 0em; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F38a3cea1-0e88-484f-9083-0c10d5c2fc83.jpg\">\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>“做时间的朋友”\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">对普通人来说，有没有门槛比较低，安全性又比较高的，获取养老金的途径呢？\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>有。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">我们刚才说的年金险和增额寿（统称为储蓄险）就是这样一类产品——\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>可以保证本金的安全；\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>收益水平不会受到利率下行的影响；\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>长期稳定的复利收益。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">我拿一款增额寿产品给大家举个应用案例：\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">35岁的老张，每年拿出4万元买\u003C\u002Fspan>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>弘康·金玉满堂增额终身寿，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">连续交15年，总保费60万元（表格内黄色部分），在老张50岁前，这张保单就交完了。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"text-align:center; vertical-align: inherit; margin: 24px 16px 0em; line-height: 1.75em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F229d352f-0b93-409b-bee2-2f40f6ef6219.jpg\">\u003C\u002Fp>\n        \u003Csection>\u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">如果老张60岁退休，除养老金外，每个月还需要5000元（每年6万元，表格内红色部分）来补充生活所需，就可以从这张保单的账户里领取。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>每年领取6万元，老张从60岁领到88岁，总共领取了1,737,780元，相当于本金的2.9倍（内部收益率irr在3.48%左右）。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">如果老张中途有急需用钱的情况，也可以从账户中取出更多的钱，非常灵活。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">当然，储蓄险的用法还有很多——\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"text-align:justify; vertical-align: inherit; color: rgb(73, 73, 73); font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; display: inline !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">不仅可以用来\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>规划养老\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">；给孩子\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>攒教育金\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">，亦或是纯粹\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(105, 104, 231); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>当成一个安全稳健的理财账户，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">都可以。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">储蓄险最近很火，但还是希望大家能买得明明白白。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">比如——\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>- 如何同步解决孩子的教育费用和自己的养老钱？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>- 3.5%的复利，是怎么计算的？折算成单利是多少？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; color: rgb(0, 0, 0); font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong>- 家庭资产配置的正确思路？\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Csection>\n         \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">只是看这篇文章很难系统了解，这一类无风险的储蓄产品。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Csection>\n         \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cbr>\u003C\u002Fp>\n        \u003C\u002Fsection>\n        \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; float: none; letter-spacing: 1px; font-size: 16px; display: inline !important; font-family: arial, helvetica, sans-serif;\">不同的家庭情况、不同的需求指向，所适用的缴费期和具体产品，会有一些差异。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n        \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px;\">如果大家对储蓄险感兴趣的话，可以预约1V1咨询，规划师会根据咱们的实际情况给咱们拉取利益演示、单复利测算，并制定家庭保障方案。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003Cp style=\"vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n        \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 1.75em;\">\u003Cspan style=\"font-size: 16px;\">1v1咨询：\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fi.jane7.com\u002Fs\u002FOLu1eqh0swuB?ch=\" target=\"_self\" style=\"font-size: 16px;;color:#409eff\">\u003Cspan style=\"font-size: 16px;\">https:\u002F\u002Fi.jane7.com\u002Fs\u002FOLu1eqh0swuB?ch=\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fp>\n       \u003C\u002Fsection>\n       \u003Csection>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n        \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n       \u003C\u002Fsection>\n      \u003C\u002Fsection>\n     \u003C\u002Fsection>\n    \u003C\u002Fsection>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2022-09-14 17:00:00","2022-09-14 17:15:00",100,0,"lixinyue@jane7.com","gaowen@jane7.com","2022-09-14 13:40:10",237,false,14879,7,"1038002",2,[],[],4,[],[],[]]