[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617395906521":3,"related-JP2025060617395906521":32},{"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":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":25,"vipExclusive":19,"allowComment":7,"style":26,"likeCount":27,"seoKeywords":16,"articleModuleVoList":28,"extendContentList":29,"noteCount":19,"categoryList":30,"dailyKeywordList":31},10,7304,"1",1,"JP2025060617395906521","1041018",3,"每年1.2万的个人养老金，怎么买更划算？","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","1个小动作，养老金多攒一点","\u003Cdiv>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">大家好呀~\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">上周，咱们跟大家科普了\u003Ca data-itemshowtype=\"0\" data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650674801&idx=1&sn=508205abd2d91686ca0481a09d48aea1&scene=21#wechat_redirect\" imgdata=\"null\" imgurl=\"\" linktype=\"text\" tab=\"innerlink\" target=\"_blank\" textvalue=\"个人养老金账户\" style=\"color:#409eff\">\u003Cspan style=\"color: rgb(0, 82, 255);\">个人养老金账户\u003C\u002Fspan>\u003C\u002Fa>。\u003C\u002Fp>\n \u003Cp style=\"margin: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F0a0469bf-0e02-4a2e-955a-ea70b8235e68.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">评论区有朋友对里头的基金挺感兴趣的，今天就来详细说一说~\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;color: rgb(51, 51, 51);font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fb506f734-cc67-4a8d-9451-9b2e2b984f25.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 16px;margin-left: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;text-align: center;\">\u003Cstrong style=\"-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;\">\u003Cspan style=\"-webkit-tap-highlight-color: transparent;outline: 0px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;color: rgb(214, 168, 65);\">01 买基金，赚多一点\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">个人养老金，是个\u003Cstrong>超长期的「个人养老账户」\u003C\u002Fstrong>，每月自愿多攒一笔钱，退休后靠本金和收益做补充养老金。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">国家为了推广账户，提供了诚意满满的\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>税收优惠\u003C\u002Fstrong>\u003C\u002Fspan>——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>缴纳时：可以抵扣个税，每年最高12000；领取时：递延缴税，税率3%。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">举个例子，你的税率档位是20%，每个月打算定投1000元买基金。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">按5%的年化收益率算，30年之后这笔每月的养老钱，增值到\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>4321元\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（1000*1.05^30）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(143, 149, 158);\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">假设你在个人养老金账户买基金，可以在第二年退税200元\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（1000*20%）\u003C\u002Fspan>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">也就是说，\u003Cstrong>你只花了800元，就能拥有1000元的基金资产。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">如果你把退税的200元也加入到投资之中，也就是每个月买入1200元的基金。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">按5%的年化收益率算，30年之后，你的每月退休金是\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>5030元\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（1200*1.05^30*(1-3%）)\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;color: rgb(0, 0, 0);\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">只是换个账户操作，\u003Cstrong>养老小金库每个月就能「无痛涨薪」700块，还是挺划算的。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">当然，收益率更高的话，还能攒更多。我做了一张不同税率档位的「涨薪」收益图，供你参考——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"font-size: 14px;background-color: rgb(255, 254, 213);color: rgb(255, 41, 65);\">*提醒：税率档位＞3%参加才划算~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin: 16px 16px 0px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F8c35a160-c6ee-428b-b8d0-8abe46b9ac07.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;margin-bottom: 16px;\">\n  \u003Cspan style=\"color: rgb(136, 136, 136);font-size: 14px;\">注：长期年化收益率按5%来算\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">不过，这有个前提，你得在个养账户里，\u003Cstrong>能找到平时投资的基金\u003C\u002Fstrong>，才可以无缝衔接。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>那么，现在都有哪些基金可投呢？\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;color: rgb(51, 51, 51);font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fcb235254-d998-4671-9509-bcebbe17dbf8.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 16px;margin-left: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;text-align: center;\">\u003Cstrong style=\"-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;\">\u003Cspan style=\"-webkit-tap-highlight-color: transparent;outline: 0px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;color: rgb(214, 168, 65);\">02 新增基金大盘点\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">之前，个养账户里有两类养老基金，股债怎么配、具体买什么，都是基金经理说了算。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">对动手能力强的小伙伴来说，就有点鸡肋了。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">最近，个养的基金「上新」了\u003Cstrong>85只指数基金\u003C\u002Fstrong>。我看了下，国内的主流指数都在里面了——\u003C\u002Fp>\n \u003Csection style=\"margin: 16px 16px 0px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fb0b711d6-0213-4fa7-9063-e435fc152356.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">*最新个人养老金基金名单：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"color: rgb(136, 136, 136);font-size: 14px;\">https:\u002F\u002Fwww.amac.org.cn\u002Ffwdt\u002Fwyc\u002Fjgcprycx\u002Fcpcx\u002FPensionFundBusiness\u002F\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">-\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>宽基\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>指数\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">宽基指数呢，就像它的名字一样，投资范围比较「宽」，持股数量多达100只、涉及的行业也是五花八门。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">按照所投公司的市值，这次上架的宽基指数，可以分成两类——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>大盘：沪深300、中证A500、\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>上证50\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>、深圳100、中证A100、中证800\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">大盘指数，囊括了一批中国市值最高的龙头公司，比如茅台、工行、宁德时代，来分享经济增长的红利。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">像\u003Cstrong>中证A500指数\u003C\u002Fstrong>，就是新的特色宽基指数——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">它从全市场里，选取500只市值靠前、流动性较好的龙头股票，并且兼顾了行业均衡的原则，「新质生产力」含量比较高。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">宽基指数最为经典，也是为什么会有人说，\u003Cstrong>「买指数就是买国运」\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">只要中国经济持续向上发展，那么追踪优秀公司的指数基金也会获益。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>中小盘：\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>中证500\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>、创业板、创业板50、科创50、双创50\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">这主要指的是，那些有\u003Cstrong>成长潜力\u003C\u002Fstrong>的中小企业和高科技企业。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">比如科创板定位高端制造的\u003Cstrong>「\u003C\u002Fstrong>\u003Cstrong>硬科技\u003C\u002Fstrong>\u003Cstrong>」\u003C\u002Fstrong>，像是芯片国产替代、汽车智能化、数字经济等产业。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">创业板侧重在\u003Cstrong>「创新」\u003C\u002Fstrong>，涵盖的范围会比较广，医药、新能源、消费等都有。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">-\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>风格\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">除了主流的宽基指数，这次还一口气纳入了7只\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>红利指数基金\u003C\u002Fstrong>\u003C\u002Fspan>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">红利指数，就是挑选那些\u003Cstrong>高分红、并且稳定派息\u003C\u002Fstrong>的公司。眼下利率越来越低了，高股息的公司备受追捧。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">值得一提的是，这些红利指数的策略，区别挺大的，满足了咱们不同的偏好——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">比如传统的红利指数，主要考虑股息率；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">红利低波呢，加入「低波动」因子，让指数走势更平稳些；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">沪深300红利低波，又把选股范围，锁定在龙头公司中，近两年大盘下跌，年化收益还能有10%+。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">-\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>指数增强\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">这批基金里，还有一类比较特别的「指数增强」基金\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（基金名称里有「增强」2个字）\u003C\u002Fspan>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">和照抄作业的指数基金不同，增强型基金加入了基金经理的主观判断，力求多赚一点超额收益。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">但咱们要注意，\u003Cstrong>「增强」不是承诺\u003C\u002Fstrong>，如果选股不到位，也可能给基金带来「减弱」的效果。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">如果你想买，可得好好看看基金的历史表现、以及基金经理的策略，并且保持跟踪。\u003C\u002Fp>\n \u003Cp style=\"-webkit-tap-highlight-color: transparent;margin-right: 16px;margin-bottom: 0px;margin-left: 16px;outline: 0px;letter-spacing: 0.544px;color: rgb(51, 51, 51);font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fee62202a-2bac-472a-b383-c4556f893850.jpg\">\u003C\u002Fp>\n \u003Cp style=\"-webkit-tap-highlight-color: transparent;margin-right: 16px;margin-bottom: 16px;margin-left: 16px;outline: 0px;letter-spacing: 0.544px;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;text-align: center;\">\u003Cstrong style=\"-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;\">\u003Cspan style=\"-webkit-tap-highlight-color: transparent;outline: 0px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;color: rgb(214, 168, 65);\">03 个养基金，怎么买\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">好啦，新上架的基金都盘点了一圈，估计现在的你有点懵，这也太多选择了吧。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">我有一个\u003Cstrong>配置思路\u003C\u002Fstrong>可以供大家参考，那就是构建\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>「核心-卫星」\u003C\u002Fstrong>\u003C\u002Fspan>组合——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">-\u003Cstrong>核心的钱\u003C\u002Fstrong>，用来投资沪深300、中证A500这类主流大市值的指数、以及稳健收息的红利指数，如沪深300红利低波动，占比在80%左右；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">-\u003Cstrong>卫星的钱\u003C\u002Fstrong>，投资进攻性更强的中小盘指数，占比20%左右。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">这样你可以\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>先保证大部分钱能获得市场\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>平均收益\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>，剩下的钱去搏一搏，争取获得超额回报。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">当然，以上的比例不是固定的，你也可以根据自己的投资经验，适当加大或减少「卫星」部分的比例。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">同时，考虑股市波动较大，\u003Cstrong>年轻的朋友可以更「激进」些\u003C\u002Fstrong>，多买权益资产；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>快要退休的朋友\u003C\u002Fstrong>，就该降低股市的占比，\u003Cstrong>把钱放在安稳的存款里\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>接着，再来说说产品怎么买。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">首先，咱们要在银行app的「个人养老金」专区，完成\u003Cstrong>缴存\u003C\u002Fstrong>这一步。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">把钱充值进去，就满足抵扣条件，能在明年汇缴清算时拿到退税红包了。\u003C\u002Fp>\n \u003Csection style=\"margin: 16px 16px 0px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F04c40023-c9da-4c4d-bb1b-3e4b329c688a.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;margin-bottom: 16px;\">\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">图源：以建行app-「个人养老金」为例\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">下一步，\u003Cstrong>这么多指数基金，该怎么挑呢？\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>1）如果你已经有在执行\u003C\u002Fstrong>\u003Cstrong>定投\u003C\u002Fstrong>\u003Cstrong>的基金，那么直接买\u003C\u002Fstrong>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>同名产品\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>就行。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">上次科普过\u003Ca data-itemshowtype=\"0\" data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650674627&idx=1&sn=96a072829eef08001454b4051a0afba3&scene=21#wechat_redirect\" imgdata=\"null\" imgurl=\"\" linktype=\"text\" tab=\"innerlink\" target=\"_blank\" textvalue=\"中证A500\" style=\"color:#409eff\">\u003Cspan style=\"color: rgb(0, 82, 255);\">中证A500\u003C\u002Fspan>\u003C\u002Fa>，我举例提到的嘉实中证A500ETF联接基金（A类022453；C类022454），这次也有\u003Cstrong>Y份额（022905）\u003C\u002Fstrong>被纳入。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">嘉实基金此前就花了两亿，自购了对应的场内ETF（A500指数ETF，159351）。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">你在银行的个养基金专区，搜索产品名，就能找到了。\u003C\u002Fp>\n \u003Csection style=\"margin: 16px 16px 0px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F91012627-abce-4389-ac8d-05426164f329.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;margin-bottom: 16px;\">\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">图源：以建行app-「个人养老金」为例\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>2）如果之前没买过，这里给你两个思路——\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">一来，你可以勤快点，主动选择\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>规模大、\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>跟踪误差\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>小\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>的指数基金。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>规模大\u003C\u002Fstrong>，可以有效避免清盘风险。基金清盘有的长达几个月，万一有波行情\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（类似9月底）\u003C\u002Fspan>错过了，可得拍断大腿了。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>跟踪误差\u003C\u002Fstrong>\u003Cstrong>小\u003C\u002Fstrong>，说明指数基金跟踪指数更紧密，运作更成熟。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">你可以先确定要买的指数，再在支付宝等平台的指数页面，找到关联基金进行筛选，就能找到不错的基金了。\u003C\u002Fp>\n \u003Csection style=\"margin: 16px 16px 0px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fc39e6087-ab2c-47b0-880c-4040e63b3db4.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;margin-bottom: 16px;\">\n  \u003Cspan style=\"color: rgb(136, 136, 136);font-size: 14px;\">图源：支付宝-搜索指数\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">然后在个养的基金专区，输入\u003Cstrong>「公司+指数」\u003C\u002Fstrong>看看是否有对应的Y份额。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">拿沪深300来说，排名靠前的嘉实沪深300ETF联接基金（Y份额：022890）跟踪误差较小，也是深交所最大的同类ETF。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>二来，还是不知道怎么挑，可以\u003C\u002Fstrong>\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>认准指数大厂出品的基金\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">这些钱，事关咱们的养老金，要找靠谱的管理人托付。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cstrong>规模大\u003C\u002Fstrong>的基金公司，相当于被大资金认证过了，可靠性更高。比如刚刚提到的嘉实基金，被动指数这块的管理规模超过2300亿，综合实力位居行业前列。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">这批个养的新增基金里，嘉实有4只指数产品（嘉实沪深300ETF联接、嘉实中证A500ETF联接、嘉实中证500ETF联接、嘉实沪深300红利低波动ETF联接）的Y份额入选。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">以上思路供参考，你可以选择适合的方式，构建自己的「核心-卫星」组合~\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;color: rgb(51, 51, 51);font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F3e4bd9ab-36cd-42e7-bbc4-9837b1982a91.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 16px;margin-left: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;visibility: visible;text-align: center;\">\u003Cstrong style=\"-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;\">\u003Cspan style=\"-webkit-tap-highlight-color: transparent;outline: 0px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;color: rgb(214, 168, 65);\">04\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">最后，不少小伙伴关心个人养老金能不能\u003Cstrong>买美股、买黄金\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">目前个人养老金\u003Cstrong>还不支持\u003C\u002Fstrong>，也希望未来有更多选择，让咱们既能存下养老小金库，也能把税收「羊毛」薅到手~\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">个养的新基金就和你盘点到这里啦，还想了解什么，欢迎在评论区留言~\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;margin-left: 16px;margin-right: 16px;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 2em;margin-left: 16px;margin-right: 16px;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">晚安🌹\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2024-12-22 21:31:00",100,0,"renqiang@jane7.com","2025-06-06 17:39:59",42,false,17366,7,"1038002",2,[],[],[],[],[]]