[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617400873531":3,"related-JP2025060617400873531":29},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":19,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":24,"likeCount":19,"seoKeywords":16,"articleModuleVoList":25,"extendContentList":26,"noteCount":19,"categoryList":27,"dailyKeywordList":28},10,7309,"1",1,"JP2025060617400873531","1041018",3,"10年，「躺赚」120%","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","极简投资十岁啦~","\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~\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;\">2015年的这个时候，A股沉浸在牛市的喧嚣里，很多朋友都急着跑步入场。\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;\">也就是在那个春节，简七写下了「极简投资」的系列故事。最初的想法特别简单，只要有一个「及格」的投资策略，就能让大家少亏不该亏的钱，品尝到资产配置这块免费的蛋糕。\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;\">就这样，\u003Cstrong>4个股票指数\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(143, 149, 158);\">（分散中美市场）\u003C\u002Fspan>\u003Cstrong>+1个债券指数\u003C\u002Fstrong>的「极简投资」，就这么诞生了。\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;\">我们相信，比起追求精准的低买高卖，选对长期有价值的大方向、长期坚持，对大多数人来说胜率是更高的。\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;\">当日历翻到2025年，极简投资也迎来了自己的「十岁生日」。\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;\">十年过去了，极简投资赚到钱了吗？来看看成绩单——\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;\">\u003Cspan style=\"color: rgb(255, 41, 65);background-color: rgb(255, 254, 213);font-size: 14px;\">*风险提示：过往收益不代表未来，市场有风险，投资需谨慎，请把决策权牢牢握在自己手中~\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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fec40f3b4-3ac0-47be-89a8-7d05c7d824da.jpg\">\u003C\u002Fp>\n \u003Cp style=\"outline: 0px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;margin-left: 16px;margin-right: 16px;text-align: center;margin-bottom: 16px;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">01\u003C\u002Fspan>\u003C\u002Fstrong>\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;\">2015-2024年底，极简投资的\u003Cstrong>累计收益121%，\u003C\u002Fstrong>\u003Cstrong>年化收益率\u003C\u002Fstrong>\u003Cstrong>大约是8%。\u003C\u002Fstrong>\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\u002F74ae2d8f-76a9-4701-89ef-77f6dac59f53.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;text-align: center;line-height: normal;margin-bottom: 0px;\">\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">图源：简慢组合\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp 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;text-align: center;line-height: normal;margin-bottom: 16px;\">\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（在极简投资基础上升级的投顾组合）\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;\">也就是说如果你在2015年1月1日，一次性买入10万，现在这笔投资增值到22.1万。\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;\">每年只花10分钟再平衡，过去十年收获了这个结果，是不是还不错？😃\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，更多小伙伴是在2015年之后，慢慢了解策略的，也不会一次性下注那么多钱。\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;\">我们从且慢*平台那里，得到一份真实的持有人大数据，也挖到\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>1个「多赚钱」的秘密\u003C\u002Fstrong>\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(143, 149, 158);font-size: 14px;\">*极简的投顾组合（简慢组合），2017年在且慢上线。\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;letter-spacing: 0.578px;line-height: 2em;\">\u003Cstrong style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">- 7年里，购买的持有人，获得正收益的比例高达91%\u003C\u002Fstrong>\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);\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\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);\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\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);\">-\u003C\u002Fspan>\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);\">持有人\u003C\u002Fspan>\u003Cstrong style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">平均累计\u003C\u002Fstrong>\u003Cstrong style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">收益率\u003C\u002Fstrong>\u003Cstrong style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">是21%\u003C\u002Fstrong>\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);\">，\u003C\u002Fspan>\u003Cstrong style=\"color: rgb(34, 34, 34);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">平均持有天数1425天（3.9年）。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Csection 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;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fca84bf80-62d4-4010-8dea-94461563ef48.jpg\">\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  A股素来有「七亏二平一赚」的说法，选择极简的小伙伴，已经远远跑赢了市场上多数亏钱的投资者。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  另外，相比平均持有时长＜1年的普通基民，极简的投资者更懂得「持之以恒」的道理，也收获了对应的回报。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  值得一提的是，\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>持有时间越长，持有人的\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>平均收益\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>和盈利概率也越高。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F7f39fd92-8bcf-4fa5-aaae-087aa54ff4a7.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  收益率前10%的小伙伴，\n  \u003Cstrong>平均持有天数达到1,975天（5.4年），人均赚到44%\u003C\u002Fstrong>\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（比平均多赚23%）\u003C\u002Fspan>\n  \u003Cstrong>，盈利概率100%。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  那些曾经「爱过」、后来清仓的朋友，则是平均持有\n  \u003Cstrong>585天（1.6年）\u003C\u002Fstrong>，\n  \u003Cstrong>赚了8%\u003C\u002Fstrong>\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（比平均少赚13%）\u003C\u002Fspan>\n  \u003Cstrong>就走了。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  数据表明，如果你能认同极简「简单、有纪律」的投资方法，坚定持有。即便过去有中美贸易战、全球疫情、地缘政治冲突的考验，依然能交出一份漂亮的收益答卷。\n \u003C\u002Fsection>\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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F6191bec6-4b7e-4089-8bb9-119681aa0e2c.jpg\">\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);\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;outline: 0px;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;margin-bottom: 16px;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection 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;\">\n  估计有小伙伴想，\n  \u003Cstrong>「啊，道理我都懂，为什么我做不到长期持有呢」。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  别慌，这不是你一个人的困扰。长期投资虽然是稳定、最可能赚钱的方式，但这世上没有十全十美的事情，长期投资一样有风险。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  让我们一起来看看这些挑战，以及应对的方法——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>第一个挑战是时间成本。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  你一定听过「时间是投资最好的朋友」。确实，复利效应是长期投资最大的优势。但反过来说，正因为最倚重的是时间，时间的损失也就是最大的损失。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cstrong>任何投资策略，谈回报的前提，是你能把规划的那条路走完\u003C\u002Fstrong>。如果中途断了，初始的愿景再怎么漂亮都是枉然。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  这两年，美股投资者盛行一种交易方法：\n  \u003Cstrong>「Buy the dip」\u003C\u002Fstrong>\n  \u003Cspan style=\"font-size: 16px;color: rgb(0, 0, 0);\">（逢低买入）。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  大家都觉得，股市再怎么跌，顶多就像2020年疫情那样跌个20%，迟早都能涨回来。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  可如果你经历过2000年的互联网泡沫，就知道纳斯达克整整花了16年才重回高点，这种「dip」可不是随便就能买的。\n \u003C\u002Fsection>\n \u003Cp 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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fa926b383-9f21-41d8-9bc4-ec5c140a659e.jpg\">\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">图源：雪球\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection 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;\">\n  所以，第一个建议是：\n  \u003Cstrong>选择\u003C\u002Fstrong>\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>定投\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cstrong>而不是一次性投入\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  每月定期投固定金额，市场大跌时还有「弹药」可补充，心里也踏实；还能通过分散投资、其他资金买入安全资产\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（如存款、债券基金等）\u003C\u002Fspan>的方式把波动降下来。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>第二个挑战是期望管理。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  很多人希望通过投资快速致富，这种急切的心态也是亏损的来源，很容易在市场波动时做出非理性决策。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  以极简为例，它由五个大类资产组成的，\n  \u003Cstrong>长期收益自然也不会超过资产本身的赚钱能力\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Cp 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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F6cb7c335-6791-47d1-823a-49b21a2fcdd6.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;text-align: center;margin-bottom: 16px;\">\u003Cspan style=\"color: rgb(143, 149, 158);font-family: Optima-Regular, PingFangTC-light;font-size: 14px;letter-spacing: 1px;text-align: center;caret-color: rgb(51, 51, 51);\">数据来源：\u003C\u002Fspan>\u003Cspan style=\"color: rgb(143, 149, 158);font-family: Optima-Regular, PingFangTC-light;font-size: 14px;letter-spacing: 1px;text-align: center;caret-color: rgb(51, 51, 51);\">东财Choice\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection 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;\">\n  另外，\n  \u003Cstrong>年化收益≠每年都能赚到\u003C\u002Fstrong>，甚至持有5年、10年都还是亏的。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  拿美股来说，虽然100年的平均年化收益率\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（不考虑通胀）\u003C\u002Fspan>在8%-10%，但在某些十年期\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（比如2000-2010年）\u003C\u002Fspan>可能会颗粒无收。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  只有当持有期超过30年\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（如1995年买入，持有到2025年）\u003C\u002Fspan>，收益才会相对稳定在\n  \u003Cstrong>[7%-10%]\u003C\u002Fstrong>的区间。\n \u003C\u002Fsection>\n \u003Cp 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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fcc035d75-fcd0-4ecb-b23a-3db150f2b80f.jpg\">\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">数据来源：东财Choice\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection 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;\">\n  想做到真正的长期投资，你不妨\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>降低收益预期\u003C\u002Fstrong>\u003C\u002Fspan>，把重点放在稳定前进，培养市场适应性上。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>第三个挑战是现实问题。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  长期投资有个容易被忽视的前提，它建立在「工作收入稳定几十年」的假设之上。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  但现实中，我们普通人的收入，都会受到经济周期的巨大影响。当市场下跌时，不仅面临资产缩水，还可能同时遭遇收入减少、利息下降等多重打击。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  所以，一定要做好\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>资金规划\u003C\u002Fstrong>\u003C\u002Fspan>，你可以参考「财富水池」模型，优先准备应急资金、预留保障资金、安排好短期目标资金，剩下的才用于长期投资。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  好啦，说这么多，不是为了刻意增加长期投资的难度，正因为长期投资的时间成本非常高，我们更应该「慎始」——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cstrong>在开始时做好资金、心态、以及对底层资产了解的准备；过程中及时调整，找到最适合自己的节奏和方法。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F42393c24-c223-48e1-bcf6-3d7da72e4acd.jpg\">\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);\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 16px;margin-left: 16px;letter-spacing: 0.578px;outline: 0px;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection 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;\">\n  过去十年，在极简的收益构成中，美股贡献最大。\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F64ad28a6-bb4c-4758-aa44-12a6d6e79134.jpg\">\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  很多朋友担心美股是不是高估了，未来极简能否有好的表现。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  橡树资本创始人霍华德·马克斯有句名言：\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">「\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>未来无法预测，但可以做好准备」\u003C\u002Fstrong>\u003C\u002Fspan>。最近他分享了一些特别实用的观点：\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  首先，「贵」其实是个很主观的判断。现在美股的估值确实比历史水平高，但这只是提醒我们要更谨慎一些，而不是立刻清仓走人。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  为什么不建议完全退出呢？\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  马克斯举了个很有意思的例子：假设你真有先见之明，在2019年预测到了疫情，在2021年预测到了俄乌冲突，每次都提前撤出市场。听起来很厉害对吧？\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  但事实是，就算你猜对了这些大事件，提前撤出反而可能让你错过更多收益。\n  \u003Cstrong>因为我们不仅猜不透世界会发生什么，更猜不透市场会如何反应。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  说到市场高估，很多人会说：「你看，连巴菲特都在不停地卖卖卖，手里握着3000亿美元现金」\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  马斯克提醒我们：这些现金只占他\n  \u003Cstrong>总资产的三成左右\u003C\u002Fstrong>，大部分钱还是投在股票和实业里。所以即便是巴菲特，也只是在「调整仓位」，而不是「完全撤退」。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  其实，\n  \u003Cstrong>极简除了\u003C\u002Fstrong>\n  \u003Cstrong>美股\u003C\u002Fstrong>\n  \u003Cstrong>，还有\u003C\u002Fstrong>\n  \u003Cstrong>A股\u003C\u002Fstrong>\n  \u003Cstrong>和\u003C\u002Fstrong>\n  \u003Cstrong>债券\u003C\u002Fstrong>\n  \u003Cstrong>两个「好伙伴」\u003C\u002Fstrong>——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  市场就像跷跷板，此消彼长很正常：资产涨多了，未来的收益可能就低了；跌多了，反而会更有性价比。\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cbr>\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>聪明钱总会找到最值得投资的好去处\u003C\u002Fstrong>\u003C\u002Fspan>。我们不如学会「躺平」，安心坐享其成。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  如果真觉得手上的权益仓位高了，感觉不舒服，也可以适当降低一些仓位。\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  比如原本极简占你可投资产的30%，之后可以多配些债券，把极简的占比降到20%，但不用完全卖出。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  好啦，说到底，\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>「理财就是理生活」\u003C\u002Fstrong>\u003C\u002Fspan>。\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  希望极简投资能帮助你，在忙于工作和生活的同时，也能通过指数基金投资全球龙头公司，轻松分享经济增长的红利。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  \u003Cstrong>未来的路还很长，保持平常心，让时间慢慢为我们创造价值，一起向前走~\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\n  最后，对极简感兴趣的小伙伴，也欢迎扫码参加实操营进一步了解，开启省心省力的投资之旅~\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 16px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F3d89c85d-3f9b-4680-93d2-87ea82dbc09b.jpg\">\n  \u003Cspan style=\"font-size: var(--articleFontsize);letter-spacing: 0.034em;\">\u003C\u002Fspan>\n \u003C\u002Fsection>\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>","","2025-01-09 22:00:00",100,0,"renqiang@jane7.com","2025-06-06 17:40:08",false,17371,"1038002",[],[],[],[],[]]