[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617401706527":3,"related-JP2025060617401706527":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},10,7316,"1",1,"JP2025060617401706527","1041018",3,"12岁的小孩姐，两年赚了74%","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","开工大吉，日富一日~","\u003Cdiv>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;text-wrap: wrap;outline: 0px;color: rgb(34, 34, 34);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);text-align: center;line-height: 1.5em;visibility: visible;\">\u003Cspan style=\"outline: 0px;letter-spacing: 2px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;color: rgb(98, 90, 90);visibility: visible;\">点击\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;letter-spacing: 2px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;color: rgb(0, 122, 170);visibility: visible;\"> “简七读财”\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;letter-spacing: 2px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;color: rgb(98, 90, 90);visibility: visible;\">，发送消息“\u003C\u002Fspan>\u003Cspan style=\"font-weight: bold;outline: 0px;letter-spacing: 2px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;visibility: visible;color: rgb(255, 76, 0);background-color: rgb(255, 254, 213);\">理财小工具\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;letter-spacing: 2px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;color: rgb(98, 90, 90);visibility: visible;\">”\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;text-wrap: wrap;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);text-align: center;visibility: visible;line-height: 1.5em;\">\n  \u003Cspan style=\"outline: 0px;letter-spacing: 2px;visibility: visible;\">\u003Cspan style=\"outline: 0px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;color: rgb(98, 90, 90);caret-color: rgb(98, 90, 90);visibility: visible;\">免费领取“\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;visibility: visible;\">\u003Cstrong style=\"outline: 0px;visibility: visible;\">\u003Cspan style=\"outline: 0px;caret-color: rgb(98, 90, 90);visibility: visible;\">40个赚钱工具资源包\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;color: rgb(98, 90, 90);caret-color: rgb(98, 90, 90);visibility: visible;\">”\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align: center;margin-left: 16px;margin-right: 16px;margin-top: 8px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fa3dbafcf-144c-408c-a72c-2aa5b657b624.jpg\">\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;text-wrap: wrap;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);text-align: center;visibility: visible;line-height: 1.5em;\">\n  \u003Cspan style=\"outline: 0px;letter-spacing: 2px;visibility: visible;\">\u003Cspan style=\"outline: 0px;font-size: 14px;font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;color: rgb(98, 90, 90);caret-color: rgb(98, 90, 90);visibility: visible;\">\u003C\u002Fspan>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  今天是蛇年开工第一天，先祝大家开工大吉，新年行大运！\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  说到新年，不少小伙伴估计在琢磨赚钱大计了。最近，我看到一个大受震撼的帖子 ——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  12岁的美国华裔女孩\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（Olivia）\u003C\u002Fspan>，\n  \u003Cstrong>一年半\u003C\u002Fstrong>\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（2023.6-2024.12）\u003C\u002Fspan>\n  \u003Cstrong>取得了74%的投资收益\u003C\u002Fstrong>，大幅跑赢标普500和纳指。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;text-align: center;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\u002Fdc7216ba-9f1e-49f9-b51e-1597b73d07bf.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;margin-bottom: 16px;\">\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">图源：油管账号Olivia's Investing and AI\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  话说就连专业的基金经理，都很难跑赢美股指数，\n  \u003Cstrong>这个小朋友是怎么做的呢？能给咱们带来哪些启发？\u003C\u002Fstrong>\n \u003C\u002Fsection>\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：文中提到的基金、股票仅作举例用哦，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\u002Fcbabecf8-5f3b-40cf-bb80-acec377dfc53.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 \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  小朋友的投资启蒙，离不开老爸的栽培。老爸是职业投资经理，摸爬滚打多年，有稳定的盈利记录。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  在他看来，\n  \u003Cstrong>投资理财的重要性，不亚于课业成绩\u003C\u002Fstrong>——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  就算小朋友考试一般，如果能掌握正确的投资观念，父母给孩子一笔不错的本金，也能靠投资\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（如定投指数）\u003C\u002Fspan>获取被动收入；\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  否则就算赚到很多钱，遇上一两个包装精美的骗局，多年的积蓄可能就付诸东流了，身心也会受到巨大伤害。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  打从Olivia 6岁开始，他就带她学习指数基金投资。几年之后又开始学习如何研究公司，阅读公司财务报表，投资公司股票。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  等小朋友12岁，已经有5、6年的股票投资经验了。她会把自己的投资情况，每月拍成视频，上传到YouTube\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（全球最大视频平台）\u003C\u002Fspan>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  2023年，\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">Olivia\u003C\u002Fspan>成立了慈善基金会\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（Hoperation Fund）\u003C\u002Fspan>，接收大众的「捐款」，自己\n  \u003Cstrong>担任创始人兼总裁\u003C\u002Fstrong>——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  基金利用这些「捐款」投资股市，再把收益的80%捐给弱势群体、社会、环境方面的慈善机构；每个最初的「捐款人」，可以在捐款的6个月后取回捐款。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  换句话说，\n  \u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">Olivia\u003C\u002Fspan>相当于「借钱投资」，把投资获得的盈利捐助给社会\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  对捐款者来说，除了能拿回本金，也可以顺带学一学投资理财知识\n  \u003Cspan style=\"color: rgb(143, 149, 158);\">（\u003C\u002Fspan>\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">每月有投资交流）\u003C\u002Fspan>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  成立之初，基金会从7个人捐赠的880美元开始，最高一笔投资来自\n  \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">Olivia\u003C\u002Fspan>\u003C\u002Fspan>本人的500美元，最少30美元；\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  随着基金会步入正轨，算上捐赠+投资复利，总投资额已经来到1.8万美元，捐赠人数也来到38人。\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 16px 16px 0px;text-align: center;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\u002Fde145cd3-925a-4a2d-898c-b2d53a149f18.jpg\">\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;text-align: center;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(143, 149, 158);font-size: 14px;\">图源：hoperation fund；说明：捐款人信息\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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F6301f5c9-9cd3-4c6e-ac01-40a3df23ad05.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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  1.8万美元，怎么也算笔巨款了，具体是怎么打理的呢？\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  我扒了扒基金的投资策略，不得不说，还挺科学的。策略分成\n  \u003Cspan style=\"background-color: rgb(255, 218, 169);\">\u003Cstrong>三个部分\u003C\u002Fstrong>\u003C\u002Fspan>——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  60％至80％投向了\n  \u003Cstrong>美股高质量的龙头公司\u003C\u002Fstrong>，相当于跟紧指数，拿到市场的平均收益；\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  5%-10%投资于\n  \u003Cstrong>中等风险\u003C\u002Fstrong>的股票，有点像「刮彩票」，搏一搏大奖；\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  还有10%-30%用于\n  \u003Cstrong>对冲\u003C\u002Fstrong>，来应对市场风险。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  这里解释下\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>对冲\u003C\u002Fstrong>\u003C\u002Fspan>，就是在做一笔投资的同时，做另一个相反的投资来降低风险。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  举个例子，你很看好小七这只股票，接下来能跑赢大盘，但你又担心「黑天鹅」导致市场下跌，拖累小七。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  于是你买入100块的小七的同时，卖出等金额\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（100块）\u003C\u002Fspan>的市场指数——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  假设小七涨了10%，市场涨了5%，那么你的收益率是+5%\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（10%-5%）\u003C\u002Fspan>；\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  假设小七跌了5%，市场跌幅更大，达到-10%，你还是赚到+5%\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（-5%-（-10%））\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  也就是说，\n  \u003Cstrong>对冲可以抵消两笔投资共同的风险，让组合整体更加稳定\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  比如大数据显示，11月往往是美股一年的高点，那么12月她就会做一部分对冲，保护组合不受大的波动影响。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  当然，\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>组合更多的收益，还是来自选股\u003C\u002Fstrong>。\u003C\u002Fspan>我看了几个视频，小朋友都遵循了\n  \u003Cstrong>价值投资\u003C\u002Fstrong>的方法，从财报入手，分析了公司基本面，再决定买卖策略。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;text-align: center;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\u002F6de20149-38e0-4136-a96c-4e0c113df2c4.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;margin-bottom: 16px;\">\u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">图源：2024年1月复盘\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  去年1月，她观察到\n  \u003Cstrong>特斯拉\u003C\u002Fstrong>的毛利率连续好几个季度都在下降，并且卷入和中国电车企业打「价格战」，果断清仓。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  尽管特斯拉在去年11月之后，由于创始人马斯克和总统特朗普交情匪浅，股价大涨，但从基本面看，小朋友的决策逻辑仍然有合理性\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（特斯拉最新2024财报显示，全年来自车辆的营收同比下降6%）\u003C\u002Fspan>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  同月，她买入了一只低负债率、高增长率、高利润率的\n  \u003Cstrong>信息安全股票\u003C\u002Fstrong>，这只股票在\n  \u003Cstrong>财报公布后大跌25%\u003C\u002Fstrong>，但小朋友还是能坚定执行买入策略。我看了眼股价，已经在一年内翻倍了，这份坚守得到真金白银的奖赏。\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\u002Fb36a0989-5f8e-4ac3-b194-bd7132d5aa7b.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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  这个例子里，有很多咱们无法复制的地方。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  比如国内的慈善基金，可不是随便成立的，想要募资的话，容易触犯\n  \u003Cstrong>「非法集资」\u003C\u002Fstrong>的红线；\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  再比如这位老爸\n  \u003Cstrong>深厚的投资背景\u003C\u002Fstrong>，能给到小朋友专业的投资知识支持，及时纠偏，普通人很难学习。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  以及，\n  \u003Cstrong>美股这几年顺风顺水\u003C\u002Fstrong>，投资机会多，带给投资者的获得感也比其他市场更高。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  不过，他的教育理念里，这几点挺值得借鉴的——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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=\"background-color: rgb(255, 218, 169);\">\u003Cstrong>第一，尽早开始投资。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  巴菲特12岁开始买入人生第一只股，他就效仿股神，让孩子6岁买入指数基金，早早接触市场。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  这么做的好处有两个——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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(214, 168, 65);\">\u003Cstrong>一是早点吃亏\u003C\u002Fstrong>。\u003C\u002Fspan>华尔街有句俗语：\n  \u003Cstrong>「股票市场是有经验的人获得很多金钱，有金钱的人获得很多经验的地方。」\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  想在市场中赚钱，吃亏挨打是少不了的，不如一开始就用小资金积累经验。同样是亏损50%，1000元的损失远比10万元来得容易承受。这些「学费」，也是为了避免将来更大的损失。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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(214, 168, 65);\">\u003Cstrong>二是提早复利。\u003C\u002Fstrong>\u003C\u002Fspan>假设摸爬滚打之后，小朋友能长期取得年化7%的回报。同样投资1000块，复利30年能增值到7612元，复利20年只有3869元。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  复利的魔力在于时间，早投资10年，收益却几乎翻倍。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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=\"background-color: rgb(255, 218, 169);\">\u003Cstrong>第二，选择对的路。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  他的理财教育分阶段进行——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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(214, 168, 65);\">\u003Cstrong>6-10岁，以理财基础和指数投资为主\u003C\u002Fstrong>。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  小朋友逐渐学习收入分配\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（投资、储蓄、紧急账户）\u003C\u002Fspan>、金融市场工具\n  \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（债券、股票）\u003C\u002Fspan>、以及股票软件的基本操作。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  同时，她接触了不少\n  \u003Cstrong>财商启蒙书籍\u003C\u002Fstrong>，像是经典的《富爸爸穷爸爸》，《小狗钱钱》，《邻家的百万富翁》，《巴比伦富翁》，建立起基本的理财框架。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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(214, 168, 65);\">\u003Cstrong>10-12岁：进阶到公司分析、财报阅读。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  因为小朋友自己对AI、算法感兴趣，也会用算法交易进行风险对冲。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  有意思的是，老爸\n  \u003Cstrong>坚持让孩子掌握价值投资\u003C\u002Fstrong>，「一旦发现她有投机的想法\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（比如用算法交易股票）\u003C\u002Fspan>，就果断掐断」。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  这一阶段，小朋友看的书也更偏\n  \u003Cstrong>专业性\u003C\u002Fstrong>，比如约翰博格\n  \u003Cspan style=\"color: rgb(143, 149, 158);font-size: 14px;\">（指数基金之父）\u003C\u002Fspan>的《长赢投资》、《彼得.林奇的成功投资》、科学家李飞飞的自传《我看见的世界》等等，她也会把读书视频上传到油管，分享自己的看法。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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=\"background-color: rgb(255, 218, 169);\">\u003Cstrong>第三，建立长期学习的习惯。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  老爸在与家长交流时发现，很多人认为，突击参加1个月的财商训练营就够了。但他认为，\n  \u003Cstrong>持之以恒的学习才是关键。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  以他女儿为例，平时还是以学业为主，等到周末抽出1-2小时，阅读财报，了解财务、商业和投资知识，循序渐进地积累，这样的节奏就很合适。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 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;margin-bottom: 16px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F978f3cd6-2184-47c2-8dbb-fd0ce9bd1b11.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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，希望这位父亲的教育理念能给你带来一些启发~\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  站在新一年的起点，与其着急追求收益，不如先打好理财基础，让时间成为我们最好的朋友。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;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;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，\n  \u003Cstrong>祝愿大家金蛇年都能够本业兴旺、投资顺利、日富一日~\u003C\u002Fstrong>\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;line-height: 2em;\">\n  \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>\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>","","2025-02-05 21:31:00",100,0,"renqiang@jane7.com","2025-06-06 17:40:17",false,17378,"1038002",[],[],[],[],[30,43,51,61],{"pageSize":4,"articleWikiId":31,"wikiName":32,"articleCode":33,"locationType":34,"sortNumber":35,"articleTitle":36,"introduction":37,"coverImage":38,"likeCount":39,"realSearch":22,"createTime":40,"seoUrl":41,"seoKeywords":42},94,"财商入门","JP2020102310034071360",2,20201023,"1个思路，轻松打理闲钱","今天我们从1个思路出发，和你分享合理的资产分配思路。","https:\u002F\u002Fimage.jane7.com\u002F897a7fbc-22b9-419f-93df-544c9c269014.png",12,"2020-10-23 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