[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060617405306538":3,"related-JP2025060617405306538":29},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":19,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":24,"likeCount":19,"seoKeywords":16,"articleModuleVoList":25,"extendContentList":26,"noteCount":19,"categoryList":27,"dailyKeywordList":28},10,7338,"1",1,"JP2025060617405306538","1041018",3,"1个小动作，「躺赚」4天","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","节前理财别错过~","\u003Cdiv>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cspan leaf=\"\">大家好，我是简七编辑部的卫星~\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">马上就是清明小长假啦，想好去哪踏青了吗？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">玩乐之前，也别忘了先把手里的钱安排好呀~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">给你盘了盘一些这些去处——\u003C\u002Fspan>\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;\">\u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F7b9ae96c-48eb-4db4-a2fa-c4ab586061e7.jpg\">\u003C\u002Fspan>\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;\">\u003Cspan leaf=\"\">01 \u003C\u002Fspan>\u003Cspan leaf=\"\">日常零花钱\u003C\u002Fspan>\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 \u003Cblockquote>\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 leaf=\"\" style=\"font-size: 14px;\">货基\u002F银行活期理财：年化收益约1.5%\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 leaf=\"\" style=\"font-size: 14px;\">最晚买入日期：4月2日（周三）15:00之前\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 leaf=\"\" style=\"font-size: 14px;\">起投金额：1元\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cspan leaf=\"\">日常玩乐的钱，可以考虑余额宝等货币基金，或是银行活期理财，既能收利息，也能随时取用。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">它们的计息规则是当天买入，下一个工作日确认份额。节前最后一天买入，要等到节后才能计息。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">所以，咱们记得在\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">明天（4月2日）下午3:00\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（节前倒数第二天）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">之前把钱转进去，就可以享受假期收益了~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">有的银行「截止时点」会晚一点\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（比如招行朝朝宝最晚24点）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，不过咱们最好早点转入，比较省心~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 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\u002F37e6abc1-d93d-44d7-8bdf-f78d17be298f.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">今年的现金理财收益，大概在\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">年化1.5%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">左右，比去年同期低了0.5%-1%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 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\u002F132d1b56-3114-401c-aa16-558044af251b.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;text-align: center;\">\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\" textstyle=\"\">图源：支付宝-余额宝\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">它们投向的是存款、同业存单这些稳健产品，利率下行的大背景下，产品收益也下降了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">买活期产品的时候，还要考虑\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">灵活性\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，优先买入\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">一揽子的货基\u002F现金理财产品\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">因为单只货基\u002F现金理财，每天的快速赎回上限是1万，多买几只，快赎额度也更大些。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">不少银行都有这类产品，快赎额度能达到10-80万，有的还可以直接用于支付。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 16px 16px 0px;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\u002F65e954bd-0213-45f1-bb84-34e10b653f8a.jpg\">\n \u003C\u002Fsection>\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  \u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F2a4d32ce-708f-441f-ab53-ce2ab7ec21ec.jpg\">\u003C\u002Fspan>\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;\">\u003Cspan leaf=\"\">02 \u003C\u002Fspan>\u003Cspan leaf=\"\">短期理财\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Cblockquote>\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 leaf=\"\" style=\"font-size: 14px;\">\u003Cspan style=\"font-size: 14px;\" textstyle=\"\">短债基金：年化收益约2%-2.5%\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;\">\u003Cspan leaf=\"\" style=\"font-size: 14px;\">\u003Cspan style=\"font-size: 14px;\" textstyle=\"\">最晚买入日期：4月2日15:00之前\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;\">\u003Cspan leaf=\"\" style=\"font-size: 14px;\">\u003Cspan style=\"font-size: 14px;\" textstyle=\"\">起投金额：1元\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cspan leaf=\"\">如果你对资金流动性的要求不高，可以投资几个月以上，可以考虑\u003C\u002Fspan>\n  \u003Cstrong>\u003Cspan leaf=\"\">短债基金\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cspan leaf=\"\">。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">它投向的是1年左右到期的债券，收益和波动都会比货基高一些。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">不过，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">利率和债券的价格成反比\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，如果利率突然涨了，债券价格可能也会跌一跌。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 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\u002Fea3bea36-889f-48f8-a35f-2dce97aa48a5.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">\u003Cspan leaf=\"\">图源：英为财情-中国1年期国债收益率\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">今年一季度就是这样的情况——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">一来，股票涨得不错，有资金从债市搬家到股市；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">二来，央妈比较克制，没有降准降息，流动性有点紧张。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">一年期国债利率从1.1%涨到1.6%，短债基金的回报也下降了，今年以来的平均收益只有0.13%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 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\u002F09bec3a2-e442-4a06-9c74-9a390bb3507e.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;text-align: center;\">\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\" textstyle=\"\">图源：WIND金融终端app\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">不过，今年财政部还要发特别国债，利率上升得太多，会加重利息支出。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">加上货币的主基调是\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「适度宽松」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，咱们不用太惊慌，可以持有久一点。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">按现在的利率水平算，短债基金的预期收益，大概在年化2%-2.5%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;\">\n  \u003Cspan style=\"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;text-align: center;background-color: rgb(255, 255, 255);\">\u003C\u002Fspan>\n  \u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fb9363b31-6c8b-4194-9495-0e93bdbc4f9e.jpg\">\u003C\u002Fspan>\n  \u003Cstrong style=\"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;text-align: center;color: rgb(214, 168, 65);font-size: 16px;\">\u003Cspan leaf=\"\">03 \u003C\u002Fspan>\u003Cspan leaf=\"\">股票账户：逆回购\u003C\u002Fspan>\u003C\u002Fstrong>\n \u003C\u002Fsection>\n \u003Cblockquote>\n  \u003Csection data-pm-slice=\"3 3 ["para",{"tagName":"section","attributes":{},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"},"blockquote",{"type":"normal","editId":null,"title":"","url":"","nickname":"","authorName":"","from":"","style":"margin-right: 16px; margin-left: 16px; line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;"}]\">\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 leaf=\"\" style=\"font-size: 14px;\">\u003Cspan style=\"font-size: 14px;\" textstyle=\"\">逆回购：年化收益约2%\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;\">\u003Cspan leaf=\"\" style=\"font-size: 14px;\">\u003Cspan style=\"font-size: 14px;\" textstyle=\"\">最晚买入日期：4月2日15:30之前\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;\">\u003Cspan leaf=\"\" style=\"font-size: 14px;\">\u003Cspan style=\"font-size: 14px;\" textstyle=\"\">起投金额：1000元\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cspan leaf=\"\">买股票*的小伙伴，应该对国债逆回购很熟悉了。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 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=\"color:#d83931;background-color:rgba(255, 246, 122, 0.8);\">\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;background-color: rgb(255, 254, 213);color: rgb(255, 41, 65);\" textstyle=\"\">*还没有证券账户的朋友，可以公众号后台回复「开户」了解~\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">它的本质上是短期借款，咱们把钱借给别人，对方将国债作为抵押物，到期再赎回去。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">因为抵押物是国债，安全性非常高，所以咱们可以放心买。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">如果你有闲钱在股票账户，不打算转到银行，千万别错过明天\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;\" textstyle=\"\">（4月2日，周三）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">的逆回购，所有的期限都包含假期利息。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 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\u002F806afdf8-8cd4-43dc-89ad-2180f1f3fff6.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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>\u003Cspan leaf=\"\">4月3日\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">\u003Cstrong>\u003Cspan leaf=\"\">（周四）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">再买，可就没有假期收益咯。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">逆回购的操作方式，也很简单：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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=\"color:#646a73;\">\u003Cstrong>\u003Cspan leaf=\"\">（1）有账户：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">在股票账户搜索「国债逆回购」；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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=\"color:#646a73;\">\u003Cstrong>\u003Cspan leaf=\"\">（2）选期限：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">选择你想投资的期限，\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cstrong>\u003Cspan leaf=\"\">注意资金的可用、可取时间\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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=\"color:#646a73;\">\u003Cstrong>\u003Cspan leaf=\"\">（3）比收益：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">比较一下沪市和深市，挑收益率高的买就行（两边起投金额都是1000元）。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"text-align: center;margin: 16px 16px 0px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fb3e85289-07cc-4cd1-9a57-f33af40797e1.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 16px;text-align: center;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">\u003Cspan leaf=\"\">图源：同花顺\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;text-align: center;\">\n  \u003Cspan leaf=\"\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fbee3b808-85bf-4745-9e8b-668cdd10139c.jpg\">\u003C\u002Fspan>\n  \u003Cstrong style=\"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;color: rgb(214, 168, 65);\">\u003Cspan leaf=\"\">2%\u003C\u002Fspan>\u003Cspan leaf=\"\">逆回购 vs 1.5%货基？\u003C\u002Fspan>\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;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\n  \u003Cspan leaf=\"\">有朋友看今年逆回购不错，平均年化2%的收益，比货币基金\u003C\u002Fspan>\n  \u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（1.5%）\u003C\u002Fspan>\u003C\u002Fspan>\n  \u003Cspan leaf=\"\">高，来问能不能把\u003C\u002Fspan>\n  \u003Cstrong>\u003Cspan leaf=\"\">日常要用的钱放逆回购\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003Cspan leaf=\"\">里。\u003C\u002Fspan>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">这里提醒你注意两点——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">一是逆回购有费率，咱们要比较费后收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">逆回购的费率，以1天期为例，默认十万分之一。期限越长，费率越高。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">假设\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">年化2%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，做10万块一天期逆回购，到手收益\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（5.48元）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">会被收取1块钱费用。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 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\u002F3fbd8b0e-7aa5-4007-bbec-8cb67c532bd0.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">这样费后收益率\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（到手收益4.48元）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">降到\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">年化1.63%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，和货币基金没啥区别了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">不过，你可以跟券商谈判、或是换成\u003C\u002Fspan>\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">逆回购1折\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">的券商。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">这样10万块一天期逆回购的费用是\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">0.1元\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（到手收益5.38元）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，2%逆回购的费后收益率，能提高到\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">1.94%\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">别小看这0.3%-0.5%的差距，\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">10万块一年能差300-500块钱\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，省到就是赚到~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">二是灵活性稍差。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">货币基金可以随存随取，资金几乎即时到账，这对需要周转资金的人来说非常方便，比如日常开支或短期应急。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">相比之下，逆回购要\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「迟钝」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">一些：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">假设你今天买1天期逆回购，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">第二天资金「可用」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">\u003Cspan leaf=\"\">（能买股票但不能取出）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan leaf=\"\">，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">第三天才「可取」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，能转到银行卡。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">而且，\u003C\u002Fspan>\u003Cspan style=\"color:#de7802;\">\u003Cstrong>\u003Cspan leaf=\"\">银证转账也有时间限制\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，一般是交易日9:30-15:30能转账到银行，错过就得等下一天了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">这意味着，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">你需要提前规划资金使用\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">不过，这种\u003C\u002Fspan>\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>\u003Cspan leaf=\"\">限制也有好处\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">：你的钱是放证券账户里的，不像银行卡那么容易被盗刷。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">就像给你的钱加了个「安全锁」，晚上睡觉能踏实点。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">好啦，以上就是和你分享的节前理财，希望能让你「躺赚」轻松点。提前祝大家假期愉快哈～\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;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;margin-top:0;margin-bottom:0;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 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 leaf=\"\">晚安🌹\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2025-04-01 21:30:00",100,0,"renqiang@jane7.com","2025-06-06 17:40:53",false,17400,"1038002",[],[],[],[],[30,42,51,59],{"pageSize":4,"articleWikiId":31,"wikiName":32,"articleCode":33,"locationType":34,"sortNumber":35,"articleTitle":36,"introduction":37,"coverImage":38,"likeCount":34,"realSearch":22,"createTime":39,"seoUrl":40,"seoKeywords":41},94,"财商入门","JP2020102013060122244",2,20201021,"如何更有效地变有钱？一个好方法","为了帮你解决大多数的财务问题，我整理了5个方面，也准备了一张参考表格，方便你规划。","https:\u002F\u002Fimage.jane7.com\u002F24433c80-482d-4a00-a8e6-a8136e4969c9.png","2020-10-20 13:06:01","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020102013060122244-94.html","理财",{"pageSize":4,"articleWikiId":31,"wikiName":32,"articleCode":43,"locationType":34,"sortNumber":44,"articleTitle":45,"introduction":46,"coverImage":47,"likeCount":7,"realSearch":22,"createTime":48,"seoUrl":49,"seoKeywords":50},"JP2020101411302777459",20201014,"2个方法，看懂市盈率","作为普通投资者，该怎么看市盈率呢？这里给大家提供2种渠道和方法。","https:\u002F\u002Fimage.jane7.com\u002F9d750823-e89b-4812-a437-485047ab57a0.png","2020-10-14 11:30:27","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020101411302777459-94.html","市盈率,估值",{"pageSize":4,"articleWikiId":31,"wikiName":32,"articleCode":52,"locationType":34,"sortNumber":53,"articleTitle":54,"introduction":55,"coverImage":56,"likeCount":19,"realSearch":22,"createTime":57,"seoUrl":58,"seoKeywords":41},"JP2020101614533821999",20201019,"已经赚了15%，基金要不要卖？","大涨之后，到底要不要操作，怎么操作？","https:\u002F\u002Fimage.jane7.com\u002F74e56d33-c652-4654-9cd2-665a6e7a0054.png","2020-10-16 14:53:38","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020101614533821999-94.html",{"pageSize":4,"articleWikiId":60,"wikiName":61,"articleCode":62,"locationType":34,"sortNumber":63,"articleTitle":64,"introduction":65,"coverImage":66,"likeCount":7,"realSearch":22,"createTime":67,"seoUrl":68,"seoKeywords":69},93,"基金定投","JP2020102611153671461",20201026,"这样买基金，就像白捡了2万块","教你三步开启基金投资","https:\u002F\u002Fimage.jane7.com\u002F667b2d18-4842-48d5-88ec-313383f36c50.png","2020-10-26 11:15:36","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020102611153671461-93.html","基金,定投"]