[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060616461806375":3,"related-JP2025060616461806375":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":10,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":7,"vipExclusive":19,"allowComment":7,"style":24,"likeCount":19,"seoKeywords":16,"articleModuleVoList":25,"extendContentList":26,"noteCount":19,"categoryList":27,"dailyKeywordList":28},10,7009,"1",1,"JP2025060616461806375","1041018",3,"给每年都进账的1笔钱，搭个小金库","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","「这笔钱，我帮你保管吧」","\u003Cdiv>\n \u003Cp style=\"margin: 0pt 8px;outline: none;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: -apple-system, "PingFang SC", "Hiragino Sans GB", "Source Han Sans SC", "Noto Sans CJK SC", "Microsoft YaHei", "WenQuanYi Micro Hei", SimHei, sans-serif;font-size: 11pt;text-align: center;text-size-adjust: auto;color: rgb(73, 73, 73);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 15px;\">\u003Cspan style=\"outline: 0px;max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;color: rgb(98, 90, 90);box-sizing: border-box !important;overflow-wrap: break-word !important;\">点击\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;\"> “简七读财”\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;color: rgb(98, 90, 90);box-sizing: border-box !important;overflow-wrap: break-word !important;\">，发送消息“小工具”\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0pt 8px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 11pt;color: rgb(73, 73, 73);text-align: center;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 15px;\">\u003Cspan style=\"outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgb(98, 90, 90);caret-color: rgb(98, 90, 90);box-sizing: border-box !important;overflow-wrap: break-word !important;\">免费领取“\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;max-width: 100%;letter-spacing: 0.544px;background-color: rgb(255, 254, 213);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;letter-spacing: 0.544px;caret-color: rgb(98, 90, 90);color: rgb(255, 76, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">30个赚钱工具资源包\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgb(98, 90, 90);caret-color: rgb(98, 90, 90);box-sizing: border-box !important;overflow-wrap: break-word !important;\">”\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align: center;line-height: 1.75em;margin-left: 8px;margin-right: 8px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fde3576f8-7e52-4535-b1ac-9e460735f284.jpg\">\u003Cbr>\u003C\u002Fp>\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=\"1111.05\" isaac2=\"1\" low_size=\"770.53\" name=\"给每年都进账的1笔钱，搭个小金库\" play_length=\"379000\" source_size=\"770.5\" src=\"\u002Fcgi-bin\u002Freadtemplate?t=tmpl\u002Faudio_tmpl&name=%E7%BB%99%E6%AF%8F%E5%B9%B4%E9%83%BD%E8%BF%9B%E8%B4%A6%E7%9A%841%E7%AC%94%E9%92%B1%EF%BC%8C%E6%90%AD%E4%B8%AA%E5%B0%8F%E9%87%91%E5%BA%93&play_length=06:19\" voice_encode_fileid=\"MjM5MzA3MjI2NV8yNjUwNjYxNDU3\">\u003C\u002Fmpvoice>\n \u003C\u002Fsection>\n \u003Cp style=\"line-height: 1.75em;margin-left: 8px;margin-right: 8px;text-align: justify;\">\u003Cspan style=\"font-size: 18px;\">周末去朋友家玩，她儿子刚满3岁，全家人都围着小帅哥转。  \u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">席间朋友问我，孩子之前收到的压岁钱，都存在单独的银行账户里，今年一看已经有3万多了。  \u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">银行的理财经理给她发了个方案，把未来的压岁钱都规划上了，收益还挺吸引人的，让我帮忙看看。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\"> \u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">这段时间，我也经常收到压岁钱如何打理的留言。  \u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">最近，我索性把公司附近的银行跑了个遍，先来看看他们会怎么说，最后再来给出我的建议。  \u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F94a40d4b-11fc-4037-9c9d-5ffd3b5de1e0.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);line-height: 1.75em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"outline: 0px;max-width: 100%;color: rgb(214, 168, 65);font-size: 20px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">01\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: center;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">银行理财经理们怎么说？\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">我都是上午去的，没什么人，直接领到专门的理财室一对一咨询。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">理财经理们大多很耐心，听说我想找产品帮孩子打理压岁钱，都会先和我聊聊具体情况和注意事项。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">首先，他们分析了压岁钱的3个特点，还挺有参考价值的：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">特点 1：长期不用\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">从时间上看，压岁钱是一笔适合投资的「长钱」，一放就是十多年。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">不少父母会和孩子约定具体的年龄目标，比如「13岁上初中」。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">这时候才是「真正的大人」，可以行使资金的支配权。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">特点2：来源稳定\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">压岁钱收取的时间，通常和节日绑定，每年总是那几天。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">有位经理就笑道，压岁钱就像孩子的年终奖——「固定日期流入」。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">特点3：期限明确\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">等小孩成年了，在大多数地区就不会再收压岁钱了。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">「在连续领取5-15年后，就收不到啦」\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">其实啊，像这样的稳定的「长钱」，配置思路也很简单：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;background-color: rgb(255, 218, 169);\">要么用风险换收益，要么用时间换收益。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">这句话怎么理解呢？我们先来看看具体的产品，再展开来聊。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F51192e2c-36e4-477d-ac24-c67bab6c7b0c.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);line-height: 1.75em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"outline: 0px;max-width: 100%;color: rgb(214, 168, 65);font-size: 20px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">02\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: center;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">具体哪些产品适合？\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">我盘了盘，各家银行提到的产品，基本上分3个方向：\u003Cstrong>存单、基金定投以及储蓄型保险。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">这里分别简单介绍一下。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">存单\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection data-role=\"outer\" label=\"Powered by 135editor.com\" 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;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"padding-right: 8px;padding-left: 8px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;\">\n   \u003Csection data-role=\"paragraph\" style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cblockquote style=\"outline: 0px;color: rgba(0, 0, 0, 0.5);max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cspan style=\"font-size: 16px;letter-spacing: 0.544px;\">优点：保本\u003Cbr>\u003C\u002Fspan>\n     \u003C\u002Fsection>\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;white-space: normal;line-height: 1.75em;\">\n      \u003Cspan style=\"font-size: 16px;\">缺点：收益低，3.5%左右且单利计息\u003C\u002Fspan>\n     \u003C\u002Fsection>\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;white-space: normal;line-height: 1.75em;\">\n      \u003Cspan style=\"font-size: 16px;\">推荐指数：★★\u003C\u002Fspan>\n     \u003C\u002Fsection>\n    \u003C\u002Fblockquote>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;\">本质上就是银行的定期存款产品。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">对于5-15年长期存放的钱来说，收益有点低。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">单利计算+利率下行，长期来看还是可能会把压岁钱躺「薄」。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">基金\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection data-role=\"outer\" label=\"Powered by 135editor.com\" style=\"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);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"padding-right: 8px;padding-left: 8px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;\">\n   \u003Csection data-role=\"paragraph\" style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cblockquote style=\"color: rgba(0, 0, 0, 0.5);outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cspan style=\"font-size: 16px;letter-spacing: 0.544px;\">优点：长期定投，风险换收益\u003C\u002Fspan>\n     \u003C\u002Fsection>\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cspan style=\"font-size: 16px;letter-spacing: 0.544px;\">缺点：波动大\u003C\u002Fspan>\n     \u003C\u002Fsection>\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cspan style=\"font-size: 16px;letter-spacing: 0.544px;\">推荐指数：\u003Cspan style=\"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;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);\">★★★★\u003C\u002Fspan>\u003C\u002Fspan>\n     \u003C\u002Fsection>\n    \u003C\u002Fblockquote>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">我们可能都对它比较熟悉了。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">用定投的方式，分批投入，长期赚钱的概率还是挺高的。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">储蓄型保险\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection data-role=\"outer\" label=\"Powered by 135editor.com\" style=\"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);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"padding-right: 8px;padding-left: 8px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;\">\n   \u003Csection data-role=\"paragraph\" style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cblockquote style=\"color: rgba(0, 0, 0, 0.5);outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cspan style=\"font-size: 16px;letter-spacing: 0.544px;\">优点：长期「保本」，不受市场波动影响，复利计息\u003C\u002Fspan>\n     \u003C\u002Fsection>\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;line-height: 1.75em;\">\n      \u003Cspan style=\"font-size: 16px;\">缺点：提前退保会有损失\u003C\u002Fspan>\n     \u003C\u002Fsection>\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;line-height: 1.75em;\">\n      \u003Cspan style=\"font-size: 16px;\">推荐指数：\u003Cspan style=\"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;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);\">★★★★\u003Cspan style=\"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;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);\">★\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\n     \u003C\u002Fsection>\n    \u003C\u002Fblockquote>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">好几位理财经理都对我说，他们第一时间想到的就是这类产品。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;\">这是一种能锁定长期收益的理财产品，也就是时间换收益了。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">它的名字中常见会带有「年金计划」、「终身寿险」等字样，本质上是具备强制储蓄功能的理财型保险产品。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;background-color: rgb(255, 218, 169);\">理财经理们几乎都会建议我，用以上产品做一个组合。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">比如招行的小哥，给出的搭配是：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection data-role=\"outer\" label=\"Powered by 135editor.com\" style=\"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);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"padding-right: 8px;padding-left: 8px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;\">\n   \u003Csection data-role=\"paragraph\" style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cblockquote style=\"color: rgba(0, 0, 0, 0.5);outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cstrong>\u003Cspan style=\"font-size: 16px;letter-spacing: 0.544px;\">活期理财随取随用+终身寿险锁定利率\u003C\u002Fspan>\u003C\u002Fstrong>\n     \u003C\u002Fsection>\n    \u003C\u002Fblockquote>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">用招行的「招牌」活期理财朝朝宝，搭配和瑞一号终身寿险保险计划。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">中信银行的美女，分享的思路是：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection data-role=\"outer\" label=\"Powered by 135editor.com\" 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;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"padding-right: 8px;padding-left: 8px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;\">\n   \u003Csection data-role=\"paragraph\" style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cblockquote style=\"outline: 0px;color: rgba(0, 0, 0, 0.5);max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cspan style=\"outline: 0px;max-width: 100%;font-size: 16px;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong>基金定投+中信保诚「基石稳利」年金\u003C\u002Fstrong>\u003C\u002Fspan>\n     \u003C\u002Fsection>\n    \u003C\u002Fblockquote>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">孩子上大学的时候，既有稳定的年金领取，还可能有一笔可观的投资收益。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">兴业银行的大叔则是建议我分成好几份：\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection data-role=\"outer\" label=\"Powered by 135editor.com\" 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;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Csection style=\"padding-right: 8px;padding-left: 8px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;\">\n   \u003Csection data-role=\"paragraph\" style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cblockquote style=\"outline: 0px;color: rgba(0, 0, 0, 0.5);max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n     \u003Csection style=\"margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;vertical-align: inherit;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n      \u003Cspan style=\"outline: 0px;max-width: 100%;font-size: 16px;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong>30%保险+40%银行理财（1-3年）+10%急用钱+20%基金\u003C\u002Fstrong>\u003C\u002Fspan>\n     \u003C\u002Fsection>\n    \u003C\u002Fblockquote>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">他提到了福运金和小财神金，我仔细看了看，本质上都是\u003C\u002Fspan>\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">存单\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">比如福运金，50元起购，整存整取，3年定期的利率能有3.5%。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 8px;margin-right: 8px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F76ecfb3f-6bdc-4bdc-9e09-8f93c1356419.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(136, 136, 136);font-size: 15px;\">图片来源：兴业银行APP\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">保险部分呢，则给我看了一个尊赢人生计划书，这是一个年金和寿险的组合，号称是\u003Cstrong>「教育有储备，婚嫁有惊喜，养老有保障」\u003C\u002Fstrong>。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">说实话，每跑一家银行，听他们介绍这些产品，听一个爱一个，还挺心动的。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">不过，这里也给大家提个醒——\u003C\u002Fspan>\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">小心利率误导。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">比如说到储蓄险，我们会在宣传页面上，看到预定利率3.5%\u003C\u002Fspan>\n  \u003Cspan style=\"font-size: 18px;color: rgb(136, 136, 136);\">（复利）\u003C\u002Fspan>\n  \u003Cspan style=\"font-size: 18px;\">。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 8px;margin-right: 8px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fbd27a2ab-8bca-4c1c-bf51-97f0295fd935.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: center;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 15px;color: rgb(136, 136, 136);\">图片来源：中信银行手机APP\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">这是由于监管规定：\u003C\u002Fspan>\n  \u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">\u003Cstrong>储蓄险产品预定利率最高不超过3.5%。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">但这并不意味着我们的实际收益就是3.5%。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;\">真实到手的收益是多少呢？合同中其实并不会说明。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">不过，所有储蓄险保单都会附带一张「现金价值表」，我们可以倒推实际到手的收益。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">随着缴费方式、领取时间、保单年度等因素的影响，这个数值也是在变动的。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">这里给大家一个简单的参考指标——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">就拿增额寿来说，市面上还不错的产品长期实际收益基本都能达到\u003Cstrong>3.48%\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cspan style=\"font-size: 18px;color: rgb(136, 136, 136);\">（复利）\u003C\u002Fspan>\n  \u003Cspan style=\"font-size: 18px;\">左右。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;background-color: rgb(255, 218, 169);\">总之，不论是增额寿还是年金险，起投金额、年限等都是要根据个人的需求来定的。\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">最好是根据自己的用钱规划，请专业人士出匹配的产品方案。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cbr style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fc92d8179-54a0-4e5a-a3ed-857c7b1055fb.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);line-height: 1.75em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"outline: 0px;max-width: 100%;color: rgb(214, 168, 65);font-size: 20px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">03\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 8px;margin-left: 8px;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;background-color: rgb(255, 255, 255);line-height: 1.75em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cspan style=\"outline: 0px;max-width: 100%;font-size: 18px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cstrong style=\"outline: 0px;max-width: 100%;color: rgb(214, 168, 65);letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">给朋友的解决方案\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">看了一圈下来，最后我建议朋友把压岁钱分成2份：\u003Cstrong>少儿教育年金+基金定投。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">这样能多条腿走路——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">既起到分散的作用，又能在起伏的市场中有比较理想的年化收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">关于年金计划，你可以搜寻市面上带上「教育金」、「少儿年金保险」等字样的产品。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">它的指向十分明确，专门为18岁之后的大学费用、研究生费用作准备的。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">朋友选了一款\u003Cstrong>「筑梦未来」\u003C\u002Fstrong>的产品，现在开始每年缴2万，连续缴5年，孩子18岁时就能连续4年，每年领取13486元，22周岁时还能一次性领取13万。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">基金定投的部分，可以尽量选择宽基指数或者均衡型的主动基金，更能长期省心地积累收益。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">朋友决定把剩下的1万元拆成10份，每月定投1000元极简的方法，平滑持仓过程中的波动。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">等年纪再大一点，朋友准备就开始给儿子建立迷你版的\u003Ca data-itemshowtype=\"0\" data-linktype=\"2\" href=\"http:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650627174&idx=1&sn=73dbc2cc3aefb9ba2289069ecb99425e&chksm=be95698089e2e0966e0bde2dbd9e07e13ca81273c027e750370c89aac2d645fe1e81e31b8aa7&scene=21#wechat_redirect\" imgdata=\"null\" imgurl=\"\" linktype=\"text\" tab=\"innerlink\" target=\"_blank\" textvalue=\"「财富水池」\" style=\"color:#409eff\">「财富水池」\u003C\u002Fa>，让他从小就能培养好的理财习惯和资产配置理念。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">把钱分成4份——\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;\">分别是小孩的应急准备金、保险、梦想基金，以及长期不用的钱，让资金分配更有效率。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"color: rgb(136, 136, 136);font-size: 16px;\">*对极简和财富水池不太了解的同学，可以在后台回复「极简投资」或者「财富水池」查看。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">好啦，相信今天的内容，能解决很多小伙伴的问题。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">我们也为你总结了一张图，欢迎收藏、转发。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: justify;margin-left: 8px;margin-right: 8px;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">\u003Cbr>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"text-align: center;margin-left: 8px;margin-right: 8px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Ff2d19dc4-7a17-4381-915a-df7d26db442d.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">喜欢的话，点个\u003C\u002Fspan>\n  \u003Cstrong>\u003Cspan style=\"font-size: 18px;color: rgb(214, 168, 65);\">「在看」\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cspan style=\"font-size: 18px;\">告诉我吧~\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-left: 8px;margin-right: 8px;text-align: justify;line-height: 1.75em;\">\n  \u003Cspan style=\"font-size: 18px;\">晚安😊\u003C\u002Fspan>\n \u003C\u002Fsection>\n\u003C\u002Fdiv>","","2022-03-02 22:45:00",100,0,"renqiang@jane7.com","2025-06-06 16:46:18",false,17071,"1038002",[],[],[],[],[]]