[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025052312362205481":3,"related-JP2025052312362205481":32},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":17,"postTime":18,"viewTime":19,"sortNumber":20,"isFree":21,"isShowList":7,"isRecommend":21,"linkType":7,"isOriginal":6,"hasMiniUrl":21,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":22,"updateBy":22,"createTime":23,"visitCount":24,"isLiked":21,"realSearch":25,"isRead":21,"productId":26,"isCollected":21,"collectCount":4,"vipExclusive":21,"allowComment":7,"style":27,"likeCount":10,"duration":21,"playStyle":7,"seoKeywords":11,"articleModuleVoList":28,"extendContentList":29,"noteCount":21,"categoryList":30,"dailyKeywordList":31},10,6923,"1",1,"JP2025052312362205481","1041018",3,"","存款跌破1%，半价房没人买，我家的钱放哪儿？","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","用「他山之石」，理顺家庭资产配置","\u003Csection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">大家好呀，我是简七编辑部的卫星~\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">我家有套房子，去年年初挂出来卖。那时候因为「锚定效应」，总想定个比市场价稍高的价格，结果一直没卖掉。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">昨天中介又来电话，说现在的市场价150万，距离以前的高点，刚好\u003Cstrong>腰斩\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">这套房子是爸妈二十年前买来准备养老用的。本来以为是「稳赚不赔」的买卖，没想到\u003Cstrong>不仅卖不掉，回报率甚至不如同期存款\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">其实早在2020年，我就劝过他们见好就收。理由很简单：房产在家庭总资产里的占比太高了，差不多80%。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">但那时候房市火热，流动性好，爸妈对「房价也会跌」这事儿根本想不到。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">这几年，我越来越觉得——这不只是我们家的故事，而是很多家庭的缩影。毕竟中国家庭的资产配置中，\u003Cstrong>房子占据大头\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">（约七成）\u003C\u002Fspan>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">现在，利率一路往下走。昨天又一次降息，一年期定存跌破1%。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">在这样一个\u003Cstrong>房子不好卖、存款不值钱\u003C\u002Fstrong>的时代，我们到底该怎么给家庭的钱，找一个稳妥的去处？\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">我试着从海外家庭的资产配置变化中找了一些启发，或许也能帮你打开思路。\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fe869a96c-fe7b-4369-baa8-a79b6880ff38.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>01 日本：从重房产到重现金\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">上世纪90年代，日本正处在泡沫经济巅峰。房子、股票涨得飞快，大家越涨越买，越买越涨——房产一度占到家庭总资产的\u003Cstrong>70%\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">但随着央行加息、泡沫被刺破，房价暴跌，纸面财富一夜蒸发。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">1995年，一场突如其来的神户大地震摧毁了20万栋房屋，更让日本人意识到，房子也不是绝对安全的。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">从那以后，日本人对房产的热情逐年下降。到2018年，房产\u003Cspan style=\"color:#646a73;\">（包括自住房）\u003C\u002Fspan>在家庭资产中的占比，已经降到\u003Cstrong>40%\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">流动性更好的金融资产中，\u003Cstrong>现金和存款超过50%\u003C\u002Fstrong>，\u003Cstrong>保险产品占到25%\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fcfd4b842-ef63-4379-a721-b60f309e3677.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">数据来源：日本事务局\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">那股市呢？\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">经历「失落的三十年」后，日本人对本国股市的信心非常低，\u003Cstrong>常年只有约10%的资金投进去\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">直到最近几年，随着政府推动上市公司加大分红、回购，日经指数才开始重新有点人气——不过本国散户依旧更偏好买美股。\u003C\u002Fp>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F2c5cf087-59ad-4457-8cfa-f152ea4869b5.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">当然，长期把钱放在银行里也不是没代价。目前日本\u003Cstrong>低利率\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">（存款0.5%）\u003C\u002Fspan>+\u003Cstrong>高通胀\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">（3%）\u003C\u002Fspan>，现金购买力持续缩水。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">尽管日本政府在努力推动「从储蓄到投资」，但对很多老年人来说，\u003Cstrong>一旦风险偏好变得保守，就很难再扭转了\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F52d1290b-87c8-48d2-951d-bd5e5a69f151.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>02 美国：资产靠股市撑起来\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">如果说日本太保守，那美国就是另一个极端。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">美国家庭在房地产上的配置，长期维持在\u003Cstrong>20%-30%\u003C\u002Fstrong>之间。\u003Cstrong>更多资金投向金融市场，尤其是股票\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">他们的金融资产中，有约\u003Cstrong>40%是股票\u003C\u002Fstrong>，比例全球最高。\u003C\u002Fp>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fc51ad910-836e-44c7-8131-f5f5716ee85c.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">就连2008年金融危机之后，大部分人也没有从股市撤退，而是从成长股转向\u003Cstrong>高股息股票\u003C\u002Fstrong>，追求稳定现金流。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">一个特别有意思的点是：\u003Cstrong>不同资产量级的人，配置逻辑完全不同\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"margin: 0px 15px; line-height: 2em; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>净资产＜10万美元\u003C\u002Fstrong>：自住房、汽车、养老保障等「刚需资产」占到近80%，主要任务是攒第一桶金；\u003C\u002Fp>\n  \u003Cp style=\"margin: 0px 15px; line-height: 2em; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>10～1000万美元\u003C\u002Fstrong>：股票+基金配置迅速上升；\u003C\u002Fp>\n  \u003Cp style=\"margin: 0px 15px; line-height: 2em; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>＞1000万美元\u003C\u002Fstrong>：开始加码自有企业等「可控的现金流资产」。\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F0d65f16f-63be-4521-9ab9-44e72b047135.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">图源：visualcapitalist\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">换句话说，越有钱的人，越愿意把钱投到自己能掌握主动权的地方。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">这也提醒我们：\u003Cstrong>资产配置不仅是买什么，而是你有没有持续「造钱」的能力。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Ff436d92c-a14a-46d7-bc91-ef2d767f27aa.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>03 欧洲：偏好均衡，风格中庸\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">欧洲家庭的资产配置，相比日美更偏「中庸」，三十年来稳定在——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">-\u003Cstrong>房产\u003C\u002Fstrong>占总资产的\u003Cstrong>一半\u003C\u002Fstrong>左右，剩下的\u003Cstrong>一半\u003C\u002Fstrong>是\u003Cstrong>金融资产\u003C\u002Fstrong>。大致分配为：\u003C\u002Fp>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F823eddf9-9402-46ad-8ab5-d5a36a71f9ec.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">08年金融危机、12年欧债危机之后，很多家庭一度变得更保守，他们加强了\u003Cstrong>养老金等长期现金流资产\u003C\u002Fstrong>的配置。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">总的来说，欧洲家庭的策略是：\u003Cstrong>稳定优先，适度进取\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fa427a875-00ce-4173-b3f8-3b5f3a59c4ea.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>04 你真正的「安全感」，来自哪？\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">看完日、美、欧三种不同的路径，我们会发现：\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>-日本人\u003C\u002Fstrong>曾把房子当成最大的安全感来源，但泡沫破裂后，变得极度保守；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>-美国人\u003C\u002Fstrong>更信市场长期价值，用激进换取未来的自由；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>-欧洲人\u003C\u002Fstrong>偏向稳中求进，用储蓄、保险、股市做组合，不押重注。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">所以，资产配置不是抄作业，而是\u003Cstrong>找到属于你家庭的「舒适比例」\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F43d8d731-6b81-41d1-ad3e-a220c137ce44.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>05 我们家的配置思路\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">我们家现在的问题是——房产占比还是太高了。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">不过，眼下房产没啥流动性，也不甘心就此「割肉」，爸妈决定把房子租出去，用时间换空间。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">我这边打算，接下来新增的收入，往金融资产倾斜，目标是把\u003Cstrong>房产：金融资产\u003C\u002Fstrong>的比例，从80:20，降到\u003Cstrong>50:50\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">金融资产的内部结构上，我会借鉴「中庸」的欧洲风格，\u003Cstrong>现金、股市、养老各占三分之一\u003C\u002Fstrong>——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>-现金\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">现金主打放心，即便利率再低，我也会优先配置\u003Cstrong>存款、货币基金、逆回购\u003C\u002Fstrong>，当作家庭的「安全垫」。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">能接受汇率波动的话，\u003Cstrong>海外高息存款\u003C\u002Fstrong>也是个不错的补充，比如我两年前换的美元，买了低风险的\u003Ca class=\"normal_text_link\" target=\"_blank\" style=\"color: rgb(0, 82, 255);;color:#409eff\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650674447&idx=1&sn=4f938b2becccb9b62e0cd47ee6f7685c&scene=21#wechat_redirect\">\u003Cspan style=\"color: rgb(0, 82, 255);\">美元理财\u003C\u002Fspan>\u003C\u002Fa>，近期年化还有4%。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>-股市\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">不押注单一市场，采取\u003Cstrong>全球分散配置\u003C\u002Fstrong>。比如我们常说的「极简投资」，就是一个简单、好上手的股市策略。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color:#646a73;\">*拓展阅读：\u003C\u002Fspan>\u003Ca class=\"normal_text_link\" target=\"_blank\" style=\"color: rgb(0, 82, 255);;color:#409eff\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650673724&idx=2&sn=6ee939ea23f00a558a93f5e64012e8f1&token=2014414851&lang=zh_CN&scene=21#wechat_redirect\">\u003Cspan style=\"color: rgb(0, 82, 255);\">5分钟看懂「极简投资」\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>-养老保障\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">你会发现，不管是日本、美国还是欧洲，养老保险在家庭资产中\u003Cstrong>占比都不低于25%\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">除了国家社保、企业年金外，还有一部分是自己买的商业保险，比如\u003Cstrong>储蓄险\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">目前，国内储蓄险利率比存款高\u003Cspan style=\"color:#646a73;\">（复利收益率2.5%-3%左右）\u003C\u002Fspan>，能锁定未来现金流，并且和股市、房市完全隔绝，不用担心突然大跌，「折价」卖出的风险，比较适合做养老现金流的补充。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">你可以从自身出发，算算体面养老的\u003Cstrong>资金缺口\u003C\u002Fstrong>，再来决定投多少、怎么投。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">顺带说一句：越早做准备，回报越高。我曾帮朋友\u003Ca class=\"normal_text_link\" target=\"_blank\" style=\"color: rgb(0, 82, 255);;color:#409eff\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650675595&idx=2&sn=3470fa4c517dc6720623a54edd1316b5&scene=21#wechat_redirect\">\u003Cspan style=\"color: rgb(0, 82, 255);\">测算过\u003C\u002Fspan>\u003C\u002Fa>，30岁和45岁开始投一样的钱，等55岁领取养老金时，差了50%之多\u003Cspan style=\"color:#646a73;\">（2000块 VS 3000块）\u003C\u002Fspan>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">如果你也对这类稳健资产感兴趣，本周我们刚好有一期\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>「储蓄险训练营」\u003C\u002Fstrong>\u003C\u002Fspan>，可以扫码了解下。\u003C\u002Fp>\n \u003Cp style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F5fc26d8c-78f7-451e-a426-a1ff7ada99b7.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">除此之外，你也可以\u003Cstrong>自己打理资产\u003C\u002Fstrong>，用作退休金，但这对你的\u003Cstrong>投资能力\u003C\u002Fstrong>提出了更高的要求。\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">咱们写过一些思路，供参考：\u003Ca class=\"normal_text_link\" target=\"_blank\" style=\"color: rgb(0, 82, 255);;color:#409eff\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650674150&idx=1&sn=9682ee65d534bd4b397b8d8a59536c25&scene=21#wechat_redirect\">\u003Cspan style=\"color: rgb(0, 82, 255);\">别纠结了，说 1 个省心的赚钱方法\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Faef6583d-8c9d-401d-9a5b-bd4959cb60d7.jpg\">\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>06\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">海外的经验告诉我们，资产配置没有标准答案，但我们可以借此更好地思考自己未来想要的生活方式：\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"margin: 0px 15px; line-height: 2em; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">是靠投资获取增长？\u003C\u002Fp>\n  \u003Cp style=\"margin: 0px 15px; line-height: 2em; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">还是靠稳定现金流来养老？\u003C\u002Fp>\n  \u003Cp style=\"margin: 0px 15px; line-height: 2em; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">或者希望资产能灵活应变、进退有据？\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">时代变了，不再是「买房就能赢」。但好在，我们还有时间、有知识、有选择。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; line-height: 2em; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible;font-family:Optima-Regular, PingFangTC-light;\">希望今天的内容，能帮你理清一点方向。 如果你有什么想法，也欢迎在评论区聊聊🙂\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n\u003C\u002Fsection>","\u003Csection>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">大家好呀，我是简七编辑部的卫星~\u003C\u002Fp>\u003C\u002Fsection>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">我家有套房子，去年年初挂出来卖。那时候因为「锚定效应」，总想定个比市场价稍高的价格，结果一直没卖掉。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">昨天中介又来电话，说现在的市场价150万，距离以前的高点，刚好\u003Cstrong>腰斩\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">这套房子是爸妈二十年前买来准备养老用的。本来以为是「稳赚不赔」的买卖，没想到\u003Cstrong>不仅卖不掉，回报率甚至不如同期存款\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">其实早在2020年，我就劝过他们见好就收。理由很简单：房产在家庭总资产里的占比太高了，差不多80%。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">但那时候房市火热，流动性好，爸妈对「房价也会跌」这事儿根本想不到。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">这几年，我越来越觉得——这不只是我们家的故事，而是很多家庭的缩影。毕竟中国家庭的资产配置中，\u003Cstrong>房子占据大头\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(100, 106, 115)\">（约七成）\u003C\u002Fspan>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">现在，利率一路往下走。昨天又一次降息，一年期定存跌破1%。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">在这样一个\u003Cstrong>房子不好卖、存款不值钱\u003C\u002Fstrong>的时代，我们到底该怎么给家庭的钱，找一个稳妥的去处？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">我试着从海外家庭的资产配置变化中找了一些启发，或许也能帮你打开思路。\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;color: rgb(214, 168, 65);font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>01 日本：从重房产到重现金\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">上世纪90年代，日本正处在泡沫经济巅峰。房子、股票涨得飞快，大家越涨越买，越买越涨——房产一度占到家庭总资产的\u003Cstrong>70%\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">但随着央行加息、泡沫被刺破，房价暴跌，纸面财富一夜蒸发。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">1995年，一场突如其来的神户大地震摧毁了20万栋房屋，更让日本人意识到，房子也不是绝对安全的。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">从那以后，日本人对房产的热情逐年下降。到2018年，房产\u003Cspan style=\"color: rgb(100, 106, 115)\">（包括自住房）\u003C\u002Fspan>在家庭资产中的占比，已经降到\u003Cstrong>40%\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">流动性更好的金融资产中，\u003Cstrong>现金和存款超过50%\u003C\u002Fstrong>，\u003Cstrong>保险产品占到25%\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGRfPH7xpQXicficiaMnYOzKReaLE9LhA5LCAiaMVzVXlKGSkAWxQmz7KF8VPq6X7MY3dR5J9Pyhcjycw\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px\">数据来源：日本事务局\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">那股市呢？\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">经历「失落的三十年」后，日本人对本国股市的信心非常低，\u003Cstrong>常年只有约10%的资金投进去\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">直到最近几年，随着政府推动上市公司加大分红、回购，日经指数才开始重新有点人气——不过本国散户依旧更偏好买美股。\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGRfPH7xpQXicficiaMnYOzKRez50HnQQdcdadibvAZtSuu1Y0oXoIdGlNDsYzebWh9bUtYRvPvZ3aYKg\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">当然，长期把钱放在银行里也不是没代价。目前日本\u003Cstrong>低利率\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(100, 106, 115)\">（存款0.5%）\u003C\u002Fspan>+\u003Cstrong>高通胀\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(100, 106, 115)\">（3%）\u003C\u002Fspan>，现金购买力持续缩水。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">尽管日本政府在努力推动「从储蓄到投资」，但对很多老年人来说，\u003Cstrong>一旦风险偏好变得保守，就很难再扭转了\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;color: rgb(214, 168, 65);font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>02 美国：资产靠股市撑起来\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">如果说日本太保守，那美国就是另一个极端。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">美国家庭在房地产上的配置，长期维持在\u003Cstrong>20%-30%\u003C\u002Fstrong>之间。\u003Cstrong>更多资金投向金融市场，尤其是股票\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">他们的金融资产中，有约\u003Cstrong>40%是股票\u003C\u002Fstrong>，比例全球最高。\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGRfPH7xpQXicficiaMnYOzKReRicOZDXrYFMriaz994Viakabgrcb3xibqNbF9ywp0VDBiaXpzZXM4GMWENg\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">就连2008年金融危机之后，大部分人也没有从股市撤退，而是从成长股转向\u003Cstrong>高股息股票\u003C\u002Fstrong>，追求稳定现金流。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">一个特别有意思的点是：\u003Cstrong>不同资产量级的人，配置逻辑完全不同\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid rgb(187, 191, 196);color: rgb(100, 106, 115);margin-inline-start: 16px\">\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-size: 14px;font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>净资产＜10万美元\u003C\u002Fstrong>：自住房、汽车、养老保障等「刚需资产」占到近80%，主要任务是攒第一桶金；\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-size: 14px;font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>10～1000万美元\u003C\u002Fstrong>：股票+基金配置迅速上升；\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-size: 14px;font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>＞1000万美元\u003C\u002Fstrong>：开始加码自有企业等「可控的现金流资产」。\u003C\u002Fp>\u003C\u002Fblockquote>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGRfPH7xpQXicficiaMnYOzKRemVbzdtc0dVR2Czr8aibicria0DoBjSdwARVoj0v8vybXeCDlhXhMGC4hg\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px\">图源：visualcapitalist\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">换句话说，越有钱的人，越愿意把钱投到自己能掌握主动权的地方。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">这也提醒我们：\u003Cstrong>资产配置不仅是买什么，而是你有没有持续「造钱」的能力。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;color: rgb(214, 168, 65);font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>03 欧洲：偏好均衡，风格中庸\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">欧洲家庭的资产配置，相比日美更偏「中庸」，三十年来稳定在——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">-\u003Cstrong>房产\u003C\u002Fstrong>占总资产的\u003Cstrong>一半\u003C\u002Fstrong>左右，剩下的\u003Cstrong>一半\u003C\u002Fstrong>是\u003Cstrong>金融资产\u003C\u002Fstrong>。大致分配为：\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGRfPH7xpQXicficiaMnYOzKRev4XyooKEkaI33s0oBicuBs79xgUN1n4NqOPXTavibqxod32zDJhfhgicw\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">08年金融危机、12年欧债危机之后，很多家庭一度变得更保守，他们加强了\u003Cstrong>养老金等长期现金流资产\u003C\u002Fstrong>的配置。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">总的来说，欧洲家庭的策略是：\u003Cstrong>稳定优先，适度进取\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;color: rgb(214, 168, 65);font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>04 你真正的「安全感」，来自哪？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">看完日、美、欧三种不同的路径，我们会发现：\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>-日本人\u003C\u002Fstrong>曾把房子当成最大的安全感来源，但泡沫破裂后，变得极度保守；\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>-美国人\u003C\u002Fstrong>更信市场长期价值，用激进换取未来的自由；\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>-欧洲人\u003C\u002Fstrong>偏向稳中求进，用储蓄、保险、股市做组合，不押重注。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">所以，资产配置不是抄作业，而是\u003Cstrong>找到属于你家庭的「舒适比例」\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;color: rgb(214, 168, 65);font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>05 我们家的配置思路\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">我们家现在的问题是——房产占比还是太高了。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">不过，眼下房产没啥流动性，也不甘心就此「割肉」，爸妈决定把房子租出去，用时间换空间。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">我这边打算，接下来新增的收入，往金融资产倾斜，目标是把\u003Cstrong>房产：金融资产\u003C\u002Fstrong>的比例，从80:20，降到\u003Cstrong>50:50\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">金融资产的内部结构上，我会借鉴「中庸」的欧洲风格，\u003Cstrong>现金、股市、养老各占三分之一\u003C\u002Fstrong>——\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8)\">\u003Cstrong>-现金\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">现金主打放心，即便利率再低，我也会优先配置\u003Cstrong>存款、货币基金、逆回购\u003C\u002Fstrong>，当作家庭的「安全垫」。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">能接受汇率波动的话，\u003Cstrong>海外高息存款\u003C\u002Fstrong>也是个不错的补充，比如我两年前换的美元，买了低风险的\u003Ca target=\"_blank\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650674447&idx=1&sn=4f938b2becccb9b62e0cd47ee6f7685c&scene=21#wechat_redirect\" style=\"color: rgb(0, 82, 255)\">美元理财\u003C\u002Fa>，近期年化还有4%。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8)\">\u003Cstrong>-股市\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">不押注单一市场，采取\u003Cstrong>全球分散配置\u003C\u002Fstrong>。比如我们常说的「极简投资」，就是一个简单、好上手的股市策略。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cspan style=\"color: rgb(100, 106, 115)\">*拓展阅读：\u003C\u002Fspan>\u003Ca target=\"_blank\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650673724&idx=2&sn=6ee939ea23f00a558a93f5e64012e8f1&token=2014414851&lang=zh_CN&scene=21#wechat_redirect\" style=\"color: rgb(0, 82, 255)\">5分钟看懂「极简投资」\u003C\u002Fa>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8)\">\u003Cstrong>-养老保障\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">你会发现，不管是日本、美国还是欧洲，养老保险在家庭资产中\u003Cstrong>占比都不低于25%\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">除了国家社保、企业年金外，还有一部分是自己买的商业保险，比如\u003Cstrong>储蓄险\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">目前，国内储蓄险利率比存款高\u003Cspan style=\"color: rgb(100, 106, 115)\">（复利收益率2.5%-3%左右）\u003C\u002Fspan>，能锁定未来现金流，并且和股市、房市完全隔绝，不用担心突然大跌，「折价」卖出的风险，比较适合做养老现金流的补充。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">你可以从自身出发，算算体面养老的\u003Cstrong>资金缺口\u003C\u002Fstrong>，再来决定投多少、怎么投。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">顺带说一句：越早做准备，回报越高。我曾帮朋友\u003Ca target=\"_blank\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650675595&idx=2&sn=3470fa4c517dc6720623a54edd1316b5&scene=21#wechat_redirect\" style=\"color: rgb(0, 82, 255)\">测算过\u003C\u002Fa>，30岁和45岁开始投一样的钱，等55岁领取养老金时，差了50%之多\u003Cspan style=\"color: rgb(100, 106, 115)\">（2000块 VS 3000块）\u003C\u002Fspan>。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">如果你也对这类稳健资产感兴趣，本周我们刚好有一期\u003Cspan style=\"color: rgb(214, 168, 65)\">\u003Cstrong>「储蓄险训练营」\u003C\u002Fstrong>\u003C\u002Fspan>，可以扫码了解下。\u003C\u002Fp>\u003Cp style=\"margin-top: 0px;margin-bottom: 0px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGRfPH7xpQXicficiaMnYOzKReggzs539OmIB3sWKCLTW0iafB78TXdnjH68Qzf9Vaib5hiaBa1EUV96aug\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">除此之外，你也可以\u003Cstrong>自己打理资产\u003C\u002Fstrong>，用作退休金，但这对你的\u003Cstrong>投资能力\u003C\u002Fstrong>提出了更高的要求。\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">咱们写过一些思路，供参考：\u003Ca target=\"_blank\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650674150&idx=1&sn=9682ee65d534bd4b397b8d8a59536c25&scene=21#wechat_redirect\" style=\"color: rgb(0, 82, 255)\">别纠结了，说 1 个省心的赚钱方法\u003C\u002Fa>\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px;margin-left: 15px\">\u003Cimg alt=\"图片\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLEia5ic8QHCicVaPxAQIwWMD3dGJrGvaTBfDNdc6kEpLSpibYL5Ar9ibyDWVx6etCcbiaYicMiabUNJa5dCXA\u002F640?from=appmsg\"\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px;text-align: center;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;color: rgb(214, 168, 65);font-family: Optima-Regular, PingFangTC-light\">\u003Cstrong>06\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">海外的经验告诉我们，资产配置没有标准答案，但我们可以借此更好地思考自己未来想要的生活方式：\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid rgb(187, 191, 196);color: rgb(100, 106, 115);margin-inline-start: 16px\">\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-size: 14px;font-family: Optima-Regular, PingFangTC-light\">是靠投资获取增长？\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-size: 14px;font-family: Optima-Regular, PingFangTC-light\">还是靠稳定现金流来养老？\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-size: 14px;font-family: Optima-Regular, PingFangTC-light\">或者希望资产能灵活应变、进退有据？\u003C\u002Fp>\u003C\u002Fblockquote>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">时代变了，不再是「买房就能赢」。但好在，我们还有时间、有知识、有选择。\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">希望今天的内容，能帮你理清一点方向。 如果你有什么想法，也欢迎在评论区聊聊🙂\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px;line-height: 2em;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;font-family: Optima-Regular, PingFangTC-light\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>","2025-05-24 06:25:00","2025-05-23 12:36:19",100,0,"liuweixin@jane7.com","2025-05-23 12:36:22",240,false,16989,"1038002",[],[],[],[],[]]