[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2022122715142082590":3,"related-JP2022122715142082590":35},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":7,"fileInputUrl":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"miniUrl":16,"miniScheme":16,"miniImage":16,"itemTag":16,"createBy":21,"updateBy":21,"createTime":22,"visitCount":23,"isLiked":20,"realSearch":24,"isRead":20,"productId":25,"isCollected":20,"collectCount":26,"vipExclusive":20,"allowComment":7,"style":27,"likeCount":28,"filePath":10,"duration":29,"playStyle":7,"seoKeywords":30,"articleModuleVoList":31,"extendContentList":32,"noteCount":4,"categoryList":33,"dailyKeywordList":34},10,5307,"1",1,"JP2022122715142082590","1041018","https:\u002F\u002Fjane7-file-prod.oss-cn-hangzhou.aliyuncs.com\u002F0f929025-28b7-4268-98ea-ca80fd0e881b.mp3","能「抵个税」的129只「养老基金」，我该怎么选？","https:\u002F\u002Fimage.jane7.com\u002Fa015e1ad-086e-48c5-afeb-52b8328d9d1a.png","https:\u002F\u002Fimage.jane7.com\u002F493068ea-902f-4ab0-85b3-7062d3cf9da1.png","个人养老金，可靠吗？","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Csection>\n    \u003Csection>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-family: arial, helvetica, sans-serif; font-size: 16px; letter-spacing: 1px; text-align: left; caret-color: red;\">大家好，我是简保君。\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; text-align: left; caret-color: red; font-family: arial, helvetica, sans-serif;\">前段时间个人养老金落地，目前有31个省自治区直辖市的36个试点地区，已经可以在各大银行开户、缴费和投资了。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">个人养老金目前能投资的产品主要有四类：\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">养老基金、定期储蓄、银行理财、养老保险；\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">之前文章里写过，错过内容的朋友可以参考：\u003Ca target=\"_blank\" href=\"http:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MzUzNzMwMDUyMw==&mid=2247498217&idx=1&sn=d061f24d628c90a9b3dbe68eb45c383b&chksm=faeba2adcd9c2bbb80c6e0534eb67eec553ace20891f11e8e738369c1f6ff1b2f268c29cb848&scene=21#wechat_redirect\" style=\"margin: 0px; padding: 0px; outline: 0px; text-decoration: none; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); cursor: pointer; max-width: 100%; visibility: visible; color: rgb(64, 158, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;;color:#409eff\">「个人养老金」靴子落地\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">身边很多朋友陆续都加入了个人养老金投资行列，根据我的观察大家最感兴趣的是基金；有朋友来问：\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">这有100多只基金，该怎么选啊？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">所以今天就来帮大家梳理一下，个人养老金的养老基金都有哪些，我们在选择时需要注意些什么。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">今天的内容会略微有点硬，我在前面给大家简单总结个目录：\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">01 养老基金的入围标准是什么？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">02 养老基金的分类\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">03 如何搭建自己的投资策略？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">04 分享一点开户心得\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:center; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F44ecd646-ebb5-4b83-8947-5547d037b7a8.jpg\">\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不知道你有没有这样的疑问：这个基金是新发行的还是老基金呢？又是按什么标准选呢？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">第一个问题的答案是：\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">从已发行的养老FOF基金中挑选。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">第二个问题，按什么标准筛选？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">证监会发布了养老目标基金的准入门槛：\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">最近四个季度末规模不低于5000万元或者上一季度末规模不低于2亿元。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">符合这一标准的，目前大概有46家公司的142只基金，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">基金数量最多的华夏基金，有9只，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">其次是\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">汇添富和南方基金，各有8只。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">从业绩来看，成立来累计收益为正的有9只，超过40%的有9只。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">这些基金专门针对养老金设置了Y类份额，这个「Y」和我们经常见到的A类、C类份额类似，就是在基金名称后面加上「Y」。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">Y类份额的基金在管理费和托管费上，都会在A类份额的费用基础上给予优惠，目前大部分是打5折，没有销售服务费。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">第一批批准的基金有40个，每家公司有2只。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">之后又陆陆续续批了更多，每家公司的数量也不局限了，现在已经有100多只了，可以去证监会的网站上看名单，银行和基金公司都有。\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">   \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:center; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F919e757b-096d-4c95-85d8-52ecf3d90eea.jpg\">\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">养老基金主要分成两种类型，一种是\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「养老目标风险基金」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">，一种是\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「养老目标日期基金」。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「养老目标风险基金」是指，基金管理人根据不同的风险偏好，配置不同比例的股票类资产和债权类资产，这类产品的名字中一般都带有\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「稳健」「平衡」「积极」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">的字样。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">比如「兴XXX平衡养老目标三年」「富XXX稳健养老目标一年」。而名字中的\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「三年」「一年」这些数字，指的是基金的封闭期，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">也就是说，你买入以后，这部分钱就被锁定了，等封闭期过了之后才能赎回。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「养老目标日期基金」是指，基金管理人根据不同的退休日期进行资产配置，这类产品中名字都带有一个具体的年份。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">比如「华X养老2045三年」「嘉X养老2050」，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">其中的「2045」「2050」就是指适合2045年退休或2050年退休的人。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">之所以都设置封闭期，一方面是鼓励投资者长期持有，另一方面，是给基金经理提供一个稳定的投资环境，避免资金频繁进出带来的风险。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:center; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F63fe972a-1b5d-45fe-ad4b-349b5be40180.jpg\">\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">再说说我们该怎么挑选呢？\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(105, 104, 231); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">首先是「目标日期型」和「目标风险型」的选择。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「目标日期型」基金的风险会随着时间的推移不断降低，也就是说，你刚买的时候还比较年轻，基金经理会更看重收益，投资的权益类产品比重比较大。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Csection>\n      \u003Cp style=\"text-align:center; line-height: 1.75em; margin-left: 16px; margin-right: 16px; margin-bottom: 10px;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fa99403db-ce9a-4538-adc9-62395926d5bd.jpg\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); widows: 1; font-size: 14px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">图片来源：某基金权益类资产配置比例下滑曲线（*横轴代表年龄）\u003C\u002Fspan>\u003C\u002Fp>\n     \u003C\u002Fsection>\n     \u003Cp style=\"text-align:left; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:left; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">以「2045」为例，前几年权益类资产的比重最高可能在60%左右；而随着年龄的增大，比例会不断降低，追求稳健。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">所以，如果你是刚接触投资的小白，不知道自己能承受多大的风险，可以先选择一年期的「目标风险型」试试水，从稳健型的开始投资。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">比如先投1年稳健型的，如果觉得自己能承受更高风险的，就是是平衡型的，以此类推。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">当你了解清楚后，再决定要不要投资\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「目标日期」型的基金，这一类基金最大的好处是，省心，基金经理会定期帮你调仓。\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果封闭期解除后你觉得收益不错，继续持有挺好的。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">然后就是具体的产品挑选了，其实和普通基金是一样的，主要看基金规模、成立年限、投资收益、最大回撤、基金费用等方面。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">之前市场上出现过产品清盘的情况，主要是因为规模太小，不过现在个人养老金开始发展，以后这样的情况应该会减少一些，但还是\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">尽量选规模大的，至少2亿以上。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">因为FOF基金的历史还比较短，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">成立年限我们可以优先选2年以上的。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">其他方面大家综合比较一下，选择历史收益高、最大回撤小、费用低的，就可以。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">投资方式上，因为是每个月从工资里拿一部分出来，所以\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">用定投的方式更方便一些。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">还有就是，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">配置时不用急着马上配齐，可以分批慢慢买。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Csection>\n      \u003Cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px; margin-bottom: 10px;\">\u003Cspan style=\"color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; caret-color: red; font-family: arial, helvetica, sans-serif;\">随着市场对养老金的进一步认识和投入，未来一定会有更多产品推出，我们的选择范围会更大。所以现在可以先选择一两个，边学习边投资。\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n      \u003Cp style=\"line-height: 1.75em; margin-left: 16px; margin-right: 16px;\">\u003Cbr>\u003C\u002Fp>\n     \u003C\u002Fsection>\n     \u003Cp style=\"text-align:center; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; letter-spacing: 0.544px; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F1b611dde-4eb7-47b5-abfa-728a2fbbe38c.jpg\">\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">之前写文章介绍过，月薪超过8000元的朋友，收入越高投资\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; letter-spacing: 1px; text-align: left; widows: 1; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">「个人养老金」\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">能抵扣的个税就越多；个人养老金现在是每年最高12000元的额度，所以打算进场的朋友，可以抓紧最后几天了。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">从我个人实操经历来看，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">现在开户很多银行都会给点“小福利”，比如说百十块的消费抵用券，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">对于想好了这笔钱固定放养老的朋友，现在入场还是比较合适的。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">另外还有两点需要注意：\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">以养老基金为例，目前有129只基金在售，看起来好像很多很难选，事实上在我们选定银行开户后，真正给到我们的选择没有那么多，我们选定的银行可能就只有十几、二十几只基金可供选择。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">因此，我们前期不用太纠结，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">选定一家银行后再去看他的目标风险基金和目标年龄基金，根据自己的退休年龄和风险偏好选择产品即可。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify; margin: 0px 16px 10px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-size: 17px; font-variant: normal; letter-spacing: 0.544px; widows: 1; visibility: visible; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; text-align: left; visibility: visible; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">好啦，关于个人养老金「养老基金」怎么买的部分，就跟大家分享到这里，如果你有想要跟我分享或者咨询的，也欢迎在评论区留言~\u003C\u002Fspan>\u003C\u002Fp>\n    \u003C\u002Fsection>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","","2022-12-27 17:00:00","2022-12-27 17:30:00",100,0,"lixinyue@jane7.com","2022-12-27 15:14:20",129,false,15094,9,"1038002",8,377,"个人养老金",[],[],[],[],[]]