[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617403206531":3,"related-JP2025060617403206531":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":25,"vipExclusive":19,"allowComment":7,"style":26,"likeCount":10,"seoKeywords":16,"articleModuleVoList":27,"extendContentList":28,"noteCount":7,"categoryList":29,"dailyKeywordList":30},10,7323,"1",1,"JP2025060617403206531","1041018",3,"孩子的压岁钱，放在哪比较好？","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","3个步骤，巧用压岁钱","\u003Cdiv>\n \u003Cp 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;\">大家好～\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">最近，朋友小C问我，「\u003Cstrong>孩子过年收了不少压岁钱，应该怎么打理？」\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">我想，应该有不少家长有着同样的烦恼。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">在我小时候，家长们常常是直接「没收」孩子的压岁钱，觉得孩子小，不懂得管理。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">80、90后的新一代的家长们，也有了新理念，愿意让孩子自己参与压岁钱的管理。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">但这并不是一个简单的课题。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cstrong>怎样才能让宝贝们的压岁钱，既不打水漂，又能成为孩子成长路上的「小助手」？\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">今天咱们就来聊聊，如何帮家里的小宝贝把压岁钱管好？\u003C\u002Fp>\n \u003Cp style=\"margin: 8px 16px;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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F1841d9b9-08de-4095-9865-d7197ddc98df.jpg\">\u003Cstrong style=\"text-align: center;color: rgb(214, 168, 65);font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;\">01\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Csection style=\"text-align: center;margin: 16px;\">\n  \u003Cstrong style=\"color: rgb(214, 168, 65);font-size: 16px;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;\">\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Cp 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;\">先来上个超级干的干货，给压岁钱找个合适的「家」。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>-短期（1年以内）\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">一年之内要用的钱，比如给孩子交的学杂费，兴趣班的学费，日常用的零花钱，咱们可以选\u003Cspan style=\"color: rgb(0, 0, 0);\">择\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>货币基金或短债基金\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>——\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">随时要用的钱，可以选择货币基金，收益在1.8%左右——\u003C\u002Fp>\n \u003Cblockquote data-type=\"quote_container\" 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  \u003Cp 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;\">\u003Cspan style=\"font-size: 14px;\">余额宝\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp 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;\">\u003Cspan style=\"font-size: 14px;\">零钱通\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp 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;\">\u003Cspan style=\"font-size: 14px;\">支付宝小钱袋\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp 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;\">\u003Cspan style=\"font-size: 14px;\">银行活钱理财（注意看是否可以直接支付）\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">1个月以上的钱，可以放在\u003Cstrong>超短债、同业存单基金\u003C\u002Fstrong>*里，年化收益约2%；\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">*支付宝可以直接搜索「同业存单基金」或「超短债基金」~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">6个月以上的闲钱，可以选择\u003Cstrong>短债基金\u003C\u002Fstrong>，年化收益约2%～2.5%。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">其中，不少\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>C类基金\u003C\u002Fstrong>\u003C\u002Fspan>持有7天就能免赎回费，操作更灵活。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">p.s. 债基也可能亏哦，最近利率上行，价格会小幅波动，但拉长时间看，整体是向上的~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>-中长期（1年～5年）\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">等孩子掌握了一些理财知识，比如了解理财产品，能够自己规划资金，做预算，那就可以把一部分压岁钱给孩子做梦想基金，让孩子自己决定钱的用途。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">比如，刚上高中的孩子，想要存一笔钱作为高中毕业的旅行基金。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">像这种两三年内暂时用不到的钱，可以选择一些长期比较稳妥的产品，比如\u003Cspan style=\"color: rgb(0, 0, 0);\">\u003Cstrong>长债基金，固收+基金\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">相比短债基金，长债基金的收益更高一些，相应的波动也会更大一些，持有时间需要长一些，至少一年以上。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">随着股市慢慢转暖，\u003Ca data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650660948&idx=1&sn=b001add27f48d68d5ee96612581cd224&scene=21#wechat_redirect\" style=\"color: rgb(0, 82, 255);;color:#409eff\">\u003Cspan style=\"color: rgb(0, 82, 255);\">「固收+」基金\u003C\u002Fspan>\u003C\u002Fa>也可考虑一下。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">它就像一碗「蛋炒饭」，其中至少70%都是低风险资产，比如存款、银行理财、债券等，就像「大米饭」，顶饱但比较寡淡；\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">而更有滋味的「炒蛋」就是高风险资产，虽然量不多，不超过30%，但能让收益更高一些。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">为求稳妥，我们可以选择高风险资产占比10%以下的基金，\u003Cstrong>「1+9」的股债组合\u003C\u002Fstrong>，即使遇到比较大的波动，也能扛过去。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fb5cb49dd-8ff8-453c-912f-db6129453b47.jpg\">\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>-长期（5～18年）\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">对于长期用不到的钱，比如留给孩子成年后的大学学费、生活费等等，推荐两个去处——\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>（1）教育金\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">这是一笔专款专用的钱，收益也比较稳定，主要用于孩子未来的教育支出，从孩子出生就可以准备起来了。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">可以选择一些合适的长期保单，比\u003Cspan style=\"color: rgb(0, 0, 0);\">如\u003Cstrong>增额寿\u003C\u002Fstrong>，每\u003C\u002Fspan>年存入一笔固定的费用，选好开始领取的时间，比如孩子18岁的时候，年均收益在3%左右。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">因为时间越长，保单价值越高，所以\u003Cstrong>建议投资8-10年以上\u003C\u002Fstrong>，也就是孩子不超过10岁，否则现金值太低，影响福利，拿不到太高的收益。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">我小的时候，妈妈就给我买了一份这样的教育金，18岁以后开始领取，每年都有一笔固定收入入账，能够自由支配，我的理财知识就是用这笔钱报课学习的。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"font-size: 14px;color: rgb(255, 41, 65);background-color: rgb(255, 254, 213);\">*感兴趣的朋友，可以在公众号后台回复「教育金」，了解更多~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>（2）定投指数基金\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">如果你想要更高一些的收益，可以选择定投指数基金。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">定投并不意味着「无脑」，这里给你一些小建议。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>选择宽基指数。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">定投宽基指数，赚整个市场的钱，比如沪深300，标普500。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">这是对小白最友好的定投方式，不需要花费太多心思研究。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>分散风险\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cstrong>「不要把鸡蛋放在同一个篮子里」\u003C\u002Fstrong>，投资时一定要反复提醒自己这句话。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">虽然基金相对于股票来说，风险小一点，但它的底层资产是仍然是股票，股票就意味着高风险，波动大。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">如果我们只选择一个指数定投，就意味着把宝押在了一个市场上，如果市场大跌，我们也会遭受损失。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">过去的几年，A股不太给力，如果我们把宝分别押在不同的市场上，东边不亮西边亮，总有一个能替我们赚钱。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">而定投时间、定投金额都可以自行选择，周定投、月定投、年定投的收益长期来看都差不多。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(136, 136, 136);font-family: Optima-Regular, PingFangTC-light;font-size: 14px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">*拓展阅读：\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 14px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">\u003Ca data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650673724&idx=2&sn=6ee939ea23f00a558a93f5e64012e8f1&scene=21#wechat_redirect\" imgdata=\"null\" imgurl=\"\" linktype=\"text\" tab=\"innerlink\" target=\"_blank\" textvalue=\"5分钟看懂「极简投资」\" style=\"color:#409eff\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 14px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(0, 82, 255);\">5分钟看懂「极简投资」\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin: 0px 16px 8px;padding: 0px;display: block;outline: 0px;max-width: 100%;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F969a5389-edb0-4124-ac79-163c25ec66f2.jpg\">\n  \u003Cstrong style=\"color: rgb(214, 168, 65);font-size: 16px;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;\">02\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Cp 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;\">压岁钱不能只握在家长自己手里，也要让孩子一起参与压岁钱的管理。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Ca data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650667339&idx=1&sn=69391273aa3513decb57831131fe0184&scene=21#wechat_redirect\" style=\"color: rgb(0, 82, 255);;color:#409eff\">\u003Cspan style=\"color: rgb(0, 82, 255);\">《谁扼杀了孩子的财富自由》\u003C\u002Fspan>\u003C\u002Fa>，这本书说，培养孩子的财商，就是要培养孩子的\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>创造力、独立价值判断能力、领导力和风险承担能力\u003C\u002Fstrong>\u003C\u002Fspan>。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">要这些能力，我觉得桌游就是个不错的选择。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>0～6岁\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">这个时期的宝宝们，认知能力还比较有限，等孩子5、6岁时，我们可以和孩子玩一些简单有趣的游戏。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">比如把孩子的玩具放在一起，让孩子猜价格；\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">搭建一个超市场景，教孩子认识价格标签，体验买东西的过程等等。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">桌游的话，推荐\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>《当动物有钱了》\u003C\u002Fstrong>\u003C\u002Fspan>。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fef89753d-72da-4255-b8e6-271aa7c6c7a6.jpg\">\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">图源：豆瓣\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">这是个绘本+游戏的组合，小朋友读完故事，可以沿用书中的角色沉浸式玩游戏。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">这个游戏的玩法挺多的，难度不同，可以从幼儿园玩到小学。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">也可以看看我们精心设计的\u003Cstrong>互动课程\u003C\u002Fstrong>，通过有趣的游戏，和小朋友\u003Cspan style=\"color: rgb(100, 106, 115);\">（适合2-5岁）\u003C\u002Fspan>一起探索金钱世界~\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F4f3a153e-14e5-46bc-b45f-1888ee0ff93f.jpg\">\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>6～12岁\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">这个阶段的孩子已经有了一定的理解能力，可以学习一些复杂一点的东西，以及玩一些复杂一点的桌游。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">理财知识方面，可以让孩子\u003Cstrong>学习为零花钱制定简单的预算表，记账\u003C\u002Fstrong>等等等。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">我记得我这么大的时候，学校门口有很多小摊小贩，吃的玩的什么都有，对小学生来说就是满满都吸引力。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">让孩子\u003Cstrong>自主制定零花钱预算\u003C\u002Fstrong>，以周\u002F月为单位，可以学会在消费前思考，而不是「无脑消费」。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">甚至可以用\u003Cstrong>家庭理财会议\u003C\u002Fstrong>的形式，让孩子作为主持人，让孩子分享自己的零花钱管理计划，家长可以分享家庭的资产管理计划，让孩子对家里的财富有一个认知。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">桌游也给你推荐几个我觉得不错的——\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cstrong>大富翁\u003C\u002Fstrong>——最经典的财商桌游，可以从小玩到老；\u003C\u002Fp>\n \u003Cp 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;\">\u003Cstrong>现金流\u003C\u002Fstrong>——感受现金流的重要性；\u003C\u002Fp>\n \u003Cp 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;\">\u003Cstrong>大宋百商图\u003C\u002Fstrong>——古代经营策略游戏，可以在玩游戏的同时给孩子普及一些历史知识，颜值很高；\u003C\u002Fp>\n \u003Cp 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;\">\u003Cstrong>千年丝路\u003C\u002Fstrong>——体验贸易往来。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cspan style=\"color: rgb(220, 155, 4);\">\u003Cstrong>12～18岁\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">中学阶段的孩子，我觉得就可以接触一些\u003Cstrong>投资知识\u003C\u002Fstrong>了。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">比如复利、债券、基金等基础知识，正式进入投资世界。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">等孩子小有所得后，不妨让孩子拿一笔小资金，比如1000元，进行投资尝试，培养孩子的风险承担能力。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">也可以让孩子对家庭的理财规划发表些自己的建议，如果被认同，也会更有成就感。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">桌游也可以安排上一些更复杂的，比如\u003Cstrong>《我是大老板》\u003C\u002Fstrong>，商战体验拉满。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">好啦，希望这篇文章能为正在头疼「如何处理压岁钱」的你，提供一些思路。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">让压岁钱成为孩子成长路上最大的财富。\u003C\u002Fp>\n \u003Cp 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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp 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;\">晚安🌹\u003C\u002Fp>\n\u003C\u002Fdiv>","","2025-02-25 21:31:00",100,0,"renqiang@jane7.com","2025-06-06 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