[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617404706536":3,"related-JP2025060617404706536":32},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":25,"vipExclusive":19,"allowComment":7,"style":26,"likeCount":27,"seoKeywords":16,"articleModuleVoList":28,"extendContentList":29,"noteCount":7,"categoryList":30,"dailyKeywordList":31},10,7334,"1",1,"JP2025060617404706536","1041018",3,"定投选哪天，最赚钱？","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","坚持+纪律更重要~","\u003Cdiv>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  大家好啊～\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  刚开始基金投资的小伙伴，很快会接触到\n  \u003Cstrong>「定投」\u003C\u002Fstrong>这个词。\n \u003C\u002Fsection>\n \u003Cblockquote data-type=\"quote_container\" style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">定投，是指在固定日期\u003C\u002Fspan>\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（比如每月工资日）\u003C\u002Fspan>\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">、投资固定金额\u003C\u002Fspan>\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（比如每月500元）\u003C\u002Fspan>\u003Cspan style=\"font-size: 14px;color: rgba(0, 0, 0, 0.9);\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  你可能也听过这样一种说法，只要你坚持定投的时间足够长，三五年下来不大可能亏钱。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  最近，我却看到有人发了这么个贴——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fc4d8a0a1-d3af-4ce6-bfc8-46fd8cb876af.jpg\">\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;\">\n  \u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">图源：小红书\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;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  定投了5年还没回本，到底是怎么回事？\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  归根到底，是因为一部分人忽视了定投赚钱的关键前提。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  毕竟，定投只是一种基金的\n  \u003Cstrong>买入方式\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  而\n  \u003Cstrong>买什么基金、怎么坚持、怎么卖\u003C\u002Fstrong>，才是赚钱的关键。\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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F5583af90-73a5-402f-ab12-56da3c44fffe.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 16px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>01\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  上面那位投资者的情况，他选择定投的是\n  \u003Cstrong>某只医药基金。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  而这几年医药行业面临\n  \u003Cstrong>政策调整\u003C\u002Fstrong>——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  国家作为医药行业的「大买家」，不断扩大药品集中采购范围，药企为挤进集采名单，不得不降价让利，导致利润空间大幅压缩。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  加上2020-2021年医药股估值已处高位，业绩与估值「双杀」之下，医药基金跌成这样也就可以理解了。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  这意味着，如果\n  \u003Cstrong>5年前在高点一次性买入3万元，现在亏损约1.5万\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  然而，通过定投的方式摊平成本后——这位投资者的亏损率为26%，约7600元，\n  \u003Cstrong>伤害减轻了一半\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  所以我们一直强调，对于大部分人来说，坚持定投仍然是更好的投资姿势。\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;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fb711ef20-51b3-4099-8ab7-74865e59752d.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;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  这个例子，虽然体现了定投的价值，但也反映了问题的根源——\n  \u003Cstrong>基金的选择。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;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: 0px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fd1052fa8-f801-44c7-8f6d-435fd3c8a8b3.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;margin-bottom: 16px;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>02\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cstrong>靠挑对基金赚钱\u003C\u002Fstrong>，本身就是一件难度极高的事情。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  市场风格瞬息万变，去年高分红主题受追捧，今年又变成AI、机器人概念。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  而我们之所以会关注到某个基金，常常是因为它「已经涨多了」。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  一旦未来发展不如预期，就会陷入「追高-套牢-割肉」的循环。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  这正是大多数投资者长期亏损的真相。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  相比之下，\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>宽基指数基金\u003C\u002Fstrong>\u003C\u002Fspan>可能是更为务实省心的选择。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  沪深300、标普500这类指数，代表着中美股市的整体走势。它们有一套优胜劣汰的机制，自动纳入各时期最优秀的公司，定期调整。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  如果某个行业真的能发展壮大，其中的优质公司迟早会被纳入指数，权重也会随之提高。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  长期来看，中美股市的年化收益率普遍在8%左右。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  虽然比不上热门板块的短期爆发，但胜在稳定可靠，不必耗费精力挑选个股或行业。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  即便我们没有时间精力去跟踪所谓的市场热点，也能做到「躺着」把钱赚了。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  回到前面的例子，假设那位投资者，当初选择了沪深300指数基金，\n  \u003Cstrong>现在已经快回本了\u003C\u002Fstrong>：\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fd4c99830-0022-4fae-a3e8-4019ead5dbf8.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  更进一步，如果我们提前做好资产配置，比如\n  \u003Cstrong>「\u003C\u002Fstrong>\n  \u003Cstrong>极简投资\u003C\u002Fstrong>\n  \u003Cstrong>」\u003C\u002Fstrong>理念，同时将资金分配到股债、中美市场等不同投资领域，投资结果更理想一些~\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 16px 16px 8px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F40cf165b-5160-4974-9e5e-65f78d7915d8.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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F76e6c83d-1827-42ca-82ae-c42a52b08b34.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 16px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>03\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong style=\"text-align: justify;\">\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  那么，\n  \u003Cstrong>定投需要「择时」吗？是每月初投入好，还是月底更合适？\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  这是很多朋友关心的问题。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  还是拿极简的数据回测，我们会发现——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  假设三类投资者，每月定投极简1000元：\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>幸运者\u003C\u002Fstrong>：每次都买在当月\u003Cstrong>最低点\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>普通人\u003C\u002Fstrong>：固定在每月\u003Cstrong>最后一天买入\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>倒霉蛋\u003C\u002Fstrong>：每次都买在当月\u003Cstrong>最高点\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  十年后，三者累计投入12万元，最终收益如下：\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>幸运者\u003C\u002Fstrong>：市值18.8万，\u003Cstrong>收益率57%\u003C\u002Fstrong>，IRR年化8.9%\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>普通人\u003C\u002Fstrong>：市值18.5万，\u003Cstrong>收益率54%\u003C\u002Fstrong>，IRR年化8.6%\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cstrong>倒霉蛋\u003C\u002Fstrong>：市值18.4万，\u003Cstrong>收益率53%\u003C\u002Fstrong>，IRR年化8.5%\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  是不是跟你想象的不一样？\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  即使每月都能神奇地买在最低点，十年后也仅比最差情况\n  \u003Cstrong>多赚4%而已\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  这告诉我们：\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>在长期投资中，\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>大家\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>往往高估了择时的价值，低估了纪律的力量\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003Cstrong>。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  对绝大多数人而言，我们只是随机地在高点、低点和中间点都买入。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cstrong>关键不在于精确把握时机，而在于坚持规律投入，获取「普通人的回报」。\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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fc6e61448-1d1b-40bc-9ff9-77a2a463280a.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 16px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>04\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong style=\"text-align: justify;\">\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  谈完买入，我们来聊聊卖出的问题。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  前段时间嘉实的超级指数节大会上，我听到一个有趣的说法：\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>A股定投是「歪嘴笑」\u003C\u002Fstrong>\u003C\u002Fspan>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  这十几年来，在不同的高点之间，连起来的「笑脸」形态，看起来就像「歪嘴笑」。\n \u003C\u002Fsection>\n \u003Csection style=\"margin: 16px;line-height: 2em;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fac851793-89b4-44d8-8f1c-ad971f415b7e.jpg\">\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  原因在于，A股\n  \u003Cstrong>「熊长牛短」\u003C\u002Fstrong>。市场可能下跌三年，但涨回来只需三个月。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  这也是为什么\n  \u003Cstrong>很多人会错过上涨，却总能赶上下跌\u003C\u002Fstrong>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  每次上涨的时候，都会有小伙伴跟我感叹，幸亏自己通过定投积攒了足够多的本金在股市中，而不是等市场涨了才慌乱犹豫。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  所以，一方面我们要做好长期持有的准备；另一方面，也要了解投资标的的估值周期。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  比如极简是不择时的，但也有个卖出的特别情况——\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cstrong>当定投持续3年以上，且年化收益超过20%时，可考虑落袋为安。\u003C\u002Fstrong>然后重新开始分批买入，开启下一轮定投周期。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  从历史数据来看，这种情况出现在07年、15年两轮A股牛市巅峰。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  至于其他时候，我会建议，\n  \u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>买入时就应该设定好卖出场景。\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  比如有朋友计划用30岁开始的每月极简定投，对应60岁退休后的每月支出，中间的波动则不加理会。\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;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fcccaccc9-b18a-44b7-bb6a-62f1d166f8b4.jpg\">\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;margin-bottom: 8px;\">\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>05\u003C\u002Fstrong>\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cstrong>投资本质上是一场概率游戏。\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  短期看，运气成分很大；长期看，则更多取决于策略和纪律。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  我们总结一下定投成功的关键：\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">1.选择长期向上的投资标的，\u003Cstrong>宽基指数\u003C\u002Fstrong>基金是省心之选；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">2. 通过\u003Cstrong>资产配置\u003C\u002Fstrong>实现分散风险，如配置中美市场；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">3. 坚持\u003Cstrong>纪律性投入\u003C\u002Fstrong>，不过分关注短期波动；；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">4. 提前设定清晰的\u003Cstrong>卖出条件\u003C\u002Fstrong>，避免情绪决策。\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  正如巴菲特所言，\n  \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>投资不在于智商，而在于性格\u003C\u002Fstrong>\u003C\u002Fspan>。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  对大多数人而言，选择一个合适的策略并坚持执行，比不断寻找「最优解」更为重要。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  让我们一同在正确的道路上，保持前行。\n \u003C\u002Fsection>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection 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;\">\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);\">晚安🌹\u003C\u002Fspan>\n \u003C\u002Fsection>\n\u003C\u002Fdiv>","","2025-03-23 21:30:00",100,0,"renqiang@jane7.com","2025-06-06 17:40:47",57,false,17396,4,"1038002",2,[],[],[],[],[33],{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":36,"locationType":27,"sortNumber":37,"articleTitle":38,"introduction":39,"coverImage":40,"likeCount":19,"realSearch":23,"createTime":41,"seoUrl":42,"seoKeywords":43},97,"理财产品","JP2020061821353578870",20200618,"1700亿抗疫特别国债来了，普通个人也能买，抢吗？","抗疫特别国债的投资细节，终于落地啦！赶紧和大家聊一聊~","https:\u002F\u002Fimage.jane7.com\u002F5028228b-0362-4027-bf4a-fe851d048900.png","2020-06-18 21:35:35","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020061821353578870-97.html","债券投资,低风险投资,财经新闻"]