[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060616400273355":3,"related-JP2025060616400273355":29},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":19,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":24,"likeCount":19,"seoKeywords":16,"articleModuleVoList":25,"extendContentList":26,"noteCount":19,"categoryList":27,"dailyKeywordList":28},10,6966,"1",1,"JP2025060616400273355","1041018",3,"一个思路买基金，不花心思赚更多","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","测评一个挺稳的基金组合","\u003Cdiv>\n \u003Cp style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: left;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Ffe0f200e-bd48-4b6f-b524-be7b4e351bdf.jpg\">\u003Cbr>\u003C\u002Fp>\n \u003Csection style=\"text-align: right;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(136, 136, 136);font-family: Optima-Regular, PingFangTC-light;font-size: 12px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);\">摄影\u002F棉花妈妈\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cmpvoice class=\"js_editor_audio audio_iframe js_uneditable custom_select_card\" data-pluginname=\"insertaudio\" data-topic_id=\"\" data-topic_name=\"\" data-trans_state=\"1\" data-verify_state=\"3\" high_size=\"1302.69\" isaac2=\"1\" low_size=\"859.69\" name=\"一个思路买基金，不花心思赚更多\" play_length=\"444000\" source_size=\"859.7\" src=\"\u002Fcgi-bin\u002Freadtemplate?t=tmpl\u002Faudio_tmpl&name=%E4%B8%80%E4%B8%AA%E6%80%9D%E8%B7%AF%E4%B9%B0%E5%9F%BA%E9%87%91%EF%BC%8C%E4%B8%8D%E8%8A%B1%E5%BF%83%E6%80%9D%E8%B5%9A%E6%9B%B4%E5%A4%9A&play_length=07:24\" voice_encode_fileid=\"MjM5MzA3MjI2NV8yNjUwNjU5ODA0\">\u003C\u002Fmpvoice>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">近一年来，常收到身边朋友的抱怨，说市场波动大，才赚的钱没过两天又跌回去了，挺影响心情的。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">有没有什么稳一点，不用花多少心思，也能赚到不错回报的办法呢？\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">有一个讨论度比较高的网红固收+基金组合，「**幸福组合」，或许是一个选择。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">我们后台也时不时会收到用户留言，希望我们做个评测。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">和名字一样，它的业绩走势十分平稳温和。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">它和堪称股市「晴雨表」的沪深300指数相比，拉长来看收益差不多，但是过程中波动小得多，更容易拿得住。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F8439563e-fd9e-4371-ad6c-3e55e1506d44.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-size: 14px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);\">数据来源：交通银行，Wind，时间区间20170120-20210930\u003C\u002Fspan>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">今天就着这个产品，来手把手带你测评一下，看完你能收获——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;color: rgba(0, 0, 0, 0.5);line-height: 1.75em;white-space: normal;outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">1）一个求稳的配置思路\u003C\u002Fspan>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">2）如何科学测评一款产品\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">3）理财感到迷茫时该怎么办\u003C\u002Fspan>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">我们开始吧～\u003C\u002Fspan>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(255, 104, 39);font-size: 15px;background-color: rgb(255, 254, 213);box-sizing: border-box !important;overflow-wrap: break-word !important;\">*风险提示：本内容仅为科普分享，不构成任何投资建议。请务必将投资决策权，牢牢把握在自己手中。\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);background-color: rgb(255, 254, 213);\">这也是我们努力做好科普的价值^^\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F514fc83b-3670-4352-b25e-b077fab6427a.jpg\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">「稳」在哪儿？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我们先来仔细扒一扒，这个产品为什么能在动荡的市场中，保持稳定呢？\u003C\u002Fspan>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">主要原因有二——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">原因1：股票和债券的配置比较平衡。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">投资宗师格雷厄姆写的《聪明的投资者》一书中曾说到：\u003Cstrong>任何类型的投资者，都需要同时配置一定比例的股票和债券，建议比例可为50%±25%。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">债券收益没那么高，但是风险相对较低；股票风险高，但是可以博高收益。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果可以科学配置两者的比例，可以一定程度上获得更高的收益和更好地持有体验。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这个「**幸福组合」做的就是这样的事：\u003Cstrong>它的债券仓位是70%~100%，对股票配置的区间是0~30%。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">通过这种 「防守反击」式的稳健配置，收益率要比货币基金和纯债基金要高，风险又比偏股型基金低，从而实现稳定盈利。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不过也要注意哦，虽然这款产品名字听上去很稳，但是\u003Cstrong>稳健不等于保本\u003C\u002Fstrong>，这个预期不能有偏差。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我看了看这个产品的风险评级，是「中低风险」，意味着还是有波动、有亏钱的可能的。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F6a19dc65-0b8d-4eaf-ba3b-bae2637f1a41.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;\">图片来源：且慢APP\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">有的朋友冲着「稳」来买的这个产品，结果连跌2天后才迎来一次小涨，之后又接着跌。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果完全无法忍受亏损的话，很有可能赶紧亏着卖出去，一来一回还要交手续费，有些得不偿失。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这也同样适用于其他的「稳健理财」类产品，买之前一定要留意。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">原因2：它是一个基金组合，风险相对分散。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我们买基金组合产品，\u003Cstrong>相当于一次买入好几个基金，而这些基金都是管理人帮我们通过一定逻辑，组合在一起的。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">就像做菜也分擅长湘菜、粤菜等各种菜系的厨师，我们下馆子都会选择困难；\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">基金有货币基金、债券基金、偏股型基金等等，我们也容易挑基金挑花了眼——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;color: rgba(0, 0, 0, 0.5);line-height: 1.75em;white-space: normal;outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">所有钱单押一只基金，一荣俱荣一损俱损；\u003C\u002Fspan>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">买了一串基金同涨同跌，相关性极强，风险依然没有分散；\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);white-space: normal;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">不知道什么时候买，什么时候卖......\u003C\u002Fspan>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这时候就需要懂得菜品搭配的「管家」，能帮我们一次挑选好厨师和菜系，并且决定什么时候应该吃什么菜——我们的饮食从而更科学、营养更均衡。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">所以，让有更丰富经验的「管家」来帮我们\u003Cstrong>主动择时+精选基金\u003C\u002Fstrong>，我们就可以安稳地把重心放在生活和工作中，也更能拿得住。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;outline: 0px;max-width: 100%;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fe9aff528-3db7-44bb-916a-52522d61746a.jpg\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">怎么测评呢？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);\"> \u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">前面说了，基金组合是管理人帮我们挑选了一篮子的基金。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这个「管理人」可以是专业机构，也可以是金融大V，甚至你自己也可以建立组合。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">一方面，如果你想要自己建立组合，也可以参考「**幸福组合」的股债比例，做到更均衡。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">另一方面，如果你想挑选组合，我们也总结了测评方法。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">虽然投顾新规出台后，不少基金组合暂定申购开始调整，暂时买不到。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">但是我们也可以用类似的思路，来筛选出靠谱的基金组合——甚至可以用这个思路来评测大部分产品。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">这个思路包括：一个\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">清单，两个指标。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">先来说说一个检查清单：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;outline: 0px;color: rgba(0, 0, 0, 0.5);max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">1、产品名称+购买平台\u003C\u002Fspan>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">2、投资策略\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">3、风险评级\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">4、主理人\u002F管理机构及特点\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">5、历史业绩\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">6、最大回撤\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">7、交易规则\u003C\u002Fspan>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">为了方便理解，我们用「**幸福组合」为例子给你打了个样——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F7c34a375-cf7b-4a0c-a3d7-2de1b88f33df.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003Cspan style=\"color: rgb(136, 136, 136);font-family: Optima-Regular, PingFangTC-light;font-size: 14px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);\">点开查看大图\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">你可以把自己手头的产品做一个整理，对照着一个个填写、打勾。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">另外，还有两个判断产品好坏的指标可以参考——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">第一：最大回撤\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">最大回撤，就是某一段时间内基金净值从最高点回落到最低点的幅度。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">简单来说，就是如果你不巧在最高点的时候买入一个产品，跌到了最低点，你会亏掉多少。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">比如且慢上的「**幸福组合」，显示最大回撤是2.79%，意味着最坏的情况是，\u003Cstrong>你投入1万元，可能会亏损279元。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fc7ae037e-262a-4704-8474-13f7488a863b.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;\">图片来源：且慢APP\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不过，最大回撤没有一个标准区间，一般是同类型产品比较的参考。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果两个同类型产品的收益差不多，回撤小的体验会更好。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: justify;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">第二：业绩比较基准\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这是判断「产品收益好不好」的一个标准，往往是和指数进行对比。比如主动性股票基金往往会和沪深300指数作对比。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">你可以看作产品的「及格线」，对于不熟悉的产品，还可以侧面了解一下它的投资策略。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果这个产品和业绩比较基准比，还大大跑输的话，就不是一个好的选择了。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">毕竟我们买主动管理的产品，目的是为了能够获得更高的收益，不然直接买跟踪指数的产品，费率还低一些。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">对于「**幸福组合」而言，它的比较基准是90%中证综合债和10%的沪深300指数。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F642b04c2-fc45-48d6-adaf-a3154c2fecb6.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;\">图片来源：且慢APP\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">可以看到，拉长来看它是能跑赢基准的，另外也能推测出它的投资策略，是股债比例9:1\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);\">（「**幸福组合」拉长来看，9:1的股债比例占多数）\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Ff4c6018c-89ee-44ea-8e34-e0d5123fec45.jpg\">\u003C\u002Fspan>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">理财的核心，是了解自己\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">前面一直在说产品的筛选逻辑，通过这个逻辑，你能够更了解产品。\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">但是在理财投资中，还有一件事情十分重要，那就是了解你自己。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这让我想起几天前和老友露露打羽毛球的场景。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">毫不客气地说，和她打简直太容易赢了——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果我力度轻，她就会离网近，球很容易落到她够不着的身后；\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果我加大力度，她也跟着大力挥杆，我不用动，露露的球自己就出界了。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">总结就是：\u003Cstrong>十分费劲，得不到分。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">其实露露的问题就在于，对自己的\u003Cstrong>技术、体能和心理状态\u003C\u002Fstrong>没有足够的了解，只是跟着我来做反应，很容易乱了节奏。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我们投资理财也是一样。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果关注点总在「别人怎么做？市场情况如何？」而不是「自己适合什么」，大量的噪音会扰得你赚不到钱。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">所以过一段时间，如果感到有些迷茫，应该再次向内看：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;outline: 0px;color: rgba(0, 0, 0, 0.5);max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">1）我的风险承受能力如何？\u003C\u002Fspan>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">2）我这笔投资的目的是什么？\u003C\u002Fspan>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这里还想多说两句：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果你还是新手，在宝贵的开始阶段，你可以用半年到一年的时间，给自己去「试错」。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">用小资金量熟悉不同类型的投资品，并且不断做笔记复盘，能更了解自己，从而去规划你的理财投资——而不是仅仅寻找一个模板式的答案。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">好啦，关于稳健理财的思路就和你聊到这里。如果你喜欢今天的内容，欢迎点个\u003C\u002Fspan>\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">「在看」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">告诉我呀。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"white-space: normal;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n  \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">晚安\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);\">～\u003C\u002Fspan>😊\u003C\u002Fspan>\n \u003C\u002Fsection>\n\u003C\u002Fdiv>","","2021-12-21 22:29:00",100,0,"renqiang@jane7.com","2025-06-06 16:40:02",false,17028,"1038002",[],[],[],[],[]]