[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2024071822490099857":3,"related-JP2024071822490099857":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":20,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":25,"vipExclusive":19,"allowComment":7,"style":26,"likeCount":25,"duration":19,"playStyle":7,"seoKeywords":11,"articleModuleVoList":27,"extendContentList":28,"noteCount":19,"categoryList":29,"dailyKeywordList":30},10,6388,"1",1,"JP2024071822490099857","1041018",3,"","拿100万，还是领「每月5000退休金」？","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","手里拿着一笔钱，还是要源源不断现金流？","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">晚上好，我是小保。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">前两天养老金涨了的消息，大家应该都知道了，我因此得到一笔「意外之财」——\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">外婆的养老金跟涨，老人记挂我一人在外漂泊，特意转来一笔钱，让我夏天别不舍得开空调。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">说起外婆的养老金，还蛮神奇的。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F69555c6a-196c-48ee-bb6f-1557e02ef4fe.jpg\">\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; text-wrap: wrap; outline: 0px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); visibility: visible; margin-bottom: 8px; line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">外婆最早是农民，后来跟随外公工作调动，落了城市户口。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">外婆没有工作，多年来收入全靠外公；好在，外公退休金比较高，保障老两口的老年生活很宽裕。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">只是天有不测风云，外公退休第三年就因为「老年痴呆」进入了失能状态；日常的吃药、住院开销不低，即使外婆节俭，每个月也都会「月光」。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">这样的状态，维持了13年后，外公因多器官衰竭去世了。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">外婆很要强，她不愿意跟随儿女生活，也不愿意接受「生活费」；她自己种了土豆、白菜，打算就这样过冬。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">我不理解外婆为什么要吃这么多苦，妈妈告诉我：外婆最怕自己“没用”。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">外公去世几个月后，生前所属的教育局和民政部门给外婆送来一笔钱，大概是外公30个月的工资，作为抚恤金。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">刚拿到这笔钱时，外婆的4个子女一致同意：\u003Cstrong>钱全存起来，留给老妈养老用！\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">舅舅负责每个月给外婆取1000元用于生活，但外婆总是\u003Cstrong>把钱偷偷放起来，舍不得花\u003C\u002Fstrong>；她依然只吃自己种的菜。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">不久后，我们县城出了一个政策，没有「退休金」且满退休年龄的老人，可以\u003Cstrong>「买退休」\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">当时外婆已经72岁，需要\u003Cstrong>一次性支付9万多元，每个月领取700元\u003C\u002Fstrong>；算算，大概要11年才能回本。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">舅舅有些犹豫：外婆不算「年轻」，身体情况也不是很好，也许「本儿都回不了」。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">而妈妈却认为：只有让外婆自己有了退休金，\u003Cstrong>有了源源不断的现金流，她「花自己的钱」才会安心\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">最后，妈妈给外婆买了这个「退休金」。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">没想到的是，短短8年时间，这个养老金从700元涨到了1800元，那9万元的本钱，早就回来了；如妈妈所料，花自己钱的外婆，精神头越来越好了。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fd411d975-6667-47c2-b31d-a616b6ff286f.jpg\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; text-wrap: wrap; outline: 0px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); visibility: visible; margin-bottom: 8px; line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">为什么有退休金的老年人往往精神头儿特足呢，我想，是因为：\u003Cstrong>活一天，就有一天的钱，不用担心「人还在，钱没了」的困窘\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">没有退休金的老年人，为了「不拖累儿女」，六七十岁还在想办法赚点钱。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">有退休金的老年人，他们的日常研究的是「如何更长寿」。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">到现在，还是觉得我妈当时的坚持，简直是神来之笔。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">她早早预测了\u003Cstrong>「手里拿着一笔钱」\u003C\u002Fstrong>和\u003Cstrong>「源源不断现金流」\u003C\u002Fstrong>，带来的心理体验完全不同。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">而我，正站在这个选择的分叉点。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">上个月，我爸给了我10万元钱，让我帮他打理。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">我爸妈都是企业单位，退休金大概是退休前工资的40%，买菜吃饭的日常开销肯定是够的，但要是想每年出去旅游一次，或者只靠退休金维持退休前的生活水平，会有点紧张。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">所以这钱，我想帮我爸做成「养老现金流」的形式；一要稳定长久，二不低于或者略高于现在安全类资产的收益。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">在众多产品里找到一个\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">「大龄快领」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">的玩法，还挺强的：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"background-color: #ffdaa9;\">\u003Cstrong>\u003Cspan style=\"background-color: #ffdaa9;outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">50岁买，90岁时IRR突破4%；55岁买，90岁时IRR破4.2%。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Faca61069-6c30-4c8a-ab8c-6bb9678f3468.jpg\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">代入我爸\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: #333333;color: #888888;font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（今年55周岁）\u003C\u002Fspan>\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">来测算：\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">每年交4万元，连续交5年，60周岁开始领钱\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: #333333;color: #888888;font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（交完最后一期当年就能领了）\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">可以选择年领12040元，也可\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: #333333;color: #888888;font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">以选择月领\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: #333333;color: #888888;font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（全年总领取12280元）\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">，我这里选择的是按年领取。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fbbf3be5e-dd97-4db7-a944-d5945a07fb55.jpg\">\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">因为这款产品\u003Cstrong>终身有现金价值\u003C\u002Fstrong>，所以除了按年领取，\u003Cstrong>需要用钱时可以一次性退保或者减保\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">当我爸80岁时，领取的养老金+现价，总共是331,272，IRR为：3.52%；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">当我爸90岁时，领取的养老金+现价，总共是412,136，IRR为：4.2%。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: #333333;color: #888888;font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">*大家如果想简易算个数，直接以倍数乘除就可以：比如总保费上升到100万元，那每个月能领5000多元，如果总保费降到10万元，那每个月能领500多元。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">这个玩法对我来说有3点很心动：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Col class=\"list-paddingleft-2\" style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;margin:0px;padding:0 0 0 30px;list-style-position:outside;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n   \u003Cli>\u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">刚交完就能领。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n   \u003Cli>\u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">每年领的不算少。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n   \u003Cli>\u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">进则，终身领取，越长寿收益越高，远超存款和长期国债的收益；退则，终身有现价，中途身故或需要用钱可以做一次性退保或减保领取，非常灵活。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n  \u003C\u002Fol>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">不过，这个「办法」也许很快就没了。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">最近，泰康人寿停掉了预定利率3%的增额寿，报备上线了预定利率2.75%的产品；引起了业内讨论：这是不是能当作「储蓄险预期利率要下降」的风向标？\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F7c9d31dc-f329-43b4-9cd3-1c5a1612bcfa.jpg\">\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"background-color: #ffdaa9;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">储蓄险的预定利率下调，一般是看齐存款、国债的收益水平\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">，在这两类投资品连续下调收益的环境下，储蓄险很难坚持。那么，下一轮调整会不会\u003Cstrong>直接降到2.5%，或者更低呢？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">根据今年调整的节奏来看，大多数产品是没有「告别机会」的，24小时业内通知，立即下架已经是常态。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">这种操作也很好理解， 稳定类投资收益持续走低，保险公司今天收到的保费越多，未来的承兑压力就越大，像这种长期持有IRR突破4%的产品，对于保险公司的投资要求会非常高。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">因此，\u003Cstrong>保险公司减少高收益的产品，是在控制未来的风险\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">但对消费者来说，却是\u003Cstrong>如有需要，早买更划算\u003C\u002Fstrong>：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">一方面是\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>「锁定收益」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">，资金尽早进入复利增值的循环；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">另一方面是\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>「终身有效」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">，什么时候想退出，选择权都在自己手里，不必受市场的影响。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; text-wrap: wrap; outline: 0px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Facbc07e5-9ee4-4d77-b1ed-13cea57020cf.jpg\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;visibility: visible;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">04\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">不过，还是要提醒大家，需求不同，匹配到具体产品会有很大差别。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">比如我们家是养老需求，所以演示对的这款产品非常合适；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">但如果是储蓄需求，尤其是30-45岁的人群，则更适合另一款「存钱神器」\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;letter-spacing: 1px;caret-color: #333333;color: #888888;font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（篇幅有限，这里就不展开了，感兴趣的朋友可以扫文末二维码入群）\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">在调整的关口，依然存在一些「沧海遗珠」的好产品，但识别它们很难。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">出于这个初衷，我们打算做一期\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: #333333;color: #d6a841;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>4天储蓄险实操营\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">：手把手教大家从梳理自己和家庭的需求，到匹配适合自己的产品，以及如何测算一款产品的真实收益情况等干货知识。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">感\u003C\u002Fspan>\u003Cspan style=\"color: #222222;font-size: 16px;letter-spacing: 1px;caret-color: #333333;font-family:Optima-Regular, PingFangTC-light;\">兴趣的朋友可以扫下方二维码提前锁定席位~\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 2em;margin-left: 16px;margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 16px; margin-right: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F9936371a-85e1-4af9-9421-14a2bbf6d8db.jpg\">\u003C\u002Fp>\n  \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003Csection>\n   \u003Csection>\n    \u003Cbr> \n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Csection>\n    \u003Cbr> \n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n  \u003Cp style=\"display: none;\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2024-07-19 06:25:00",100,0,"liufei@jane7.com","2024-07-18 22:49:00",12,false,16395,2,"1038002",[],[],[],[],[]]