[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025071421500278799":3,"related-JP2025071421500278799":33},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":12,"introduction":13,"description":14,"nonVipDescription":15,"postTime":16,"viewTime":16,"sortNumber":17,"isFree":18,"isShowList":7,"isRecommend":18,"linkType":7,"isOriginal":6,"hasMiniUrl":18,"hasAdvertising":18,"createBy":19,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":18,"realSearch":23,"isRead":18,"productId":24,"isCollected":18,"collectCount":25,"vipExclusive":18,"allowComment":7,"style":26,"canCopy":18,"likeCount":27,"duration":18,"seoKeywords":15,"articleModuleVoList":28,"extendContentList":29,"noteCount":30,"categoryList":31,"dailyKeywordList":32},10,7444,"1",1,"JP2025071421500278799","1041018",3,"「躺赚」130％的极简，你拿得住吗？｜2025年极简半年报","https:\u002F\u002Fimage.jane7.com\u002F6a73d8ab-45f8-4ad8-a3a2-d802aac6c357.jpg","投资是牺牲现在的购买力，以换取未来的购买力","\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;\">大家好～\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;\">\u003Cbr>\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;\">现在是7月，看了眼，全球股市几乎都创下新高。\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;\">\u003Cbr>\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;\">而就在不久前的4月，一场突如其来的关税「黑天鹅」席卷全球，全球股市几天内大跌10%。\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;\">\u003Cbr>\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;\">一些小伙伴惊慌之下，卖出了极简投资。\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;\">\u003Cbr>\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;\">如今极简又新高了\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（截至7月11日，\u003C\u002Fspan>\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">累计收益131％）\u003C\u002Fspan>。有朋友回头来问：\u003Cstrong>还能买吗？\u003C\u002Fstrong>\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;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fca5e3872-fbf1-4f76-824d-8420c06f536b.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-size: 16px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">图源：且慢app-简慢组合\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px;text-align: center;font-size: 16px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">注：简慢是在极简投资思路上升级的投顾组合\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;\">\u003Cbr>\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;\">今天，换个角度聊聊这个话题，并且给你一个\u003Cstrong>实操、可上手\u003C\u002Fstrong>的投资方案。\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;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px;line-height: 1.5em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">\u003Cspan style=\"color: rgb(216, 57, 49);background-color: rgba(255, 246, 122, 0.8);\">\u003Cspan style=\"font-size: 14px;background-color: rgb(255, 254, 213);color: rgb(255, 41, 65);\">*风险提示：本文所提及的指数\u002F策略，仅为示例参考，不构成任何投资建议。请务必将投资决策权，牢牢把握在自己手中~\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F3a4795b0-6243-4dc1-a278-f76f8cc3e6bc.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px 8px;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;color: rgb(214, 168, 65);\">\u003Cstrong>01 你为什么拿不住？\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;\">很多朋友拿不住极简，以为是自己不懂市场，其实更大的可能，\u003Cspan style=\"font-weight: bold;\">是\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"font-weight: bold;\">没意\u003C\u002Fspan>识到自己到底为什么投资\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;\">\u003Cbr>\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;\">巴菲特在2012年的股东信，重新定义了投资：\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;\">\u003Cbr>\u003C\u002Fp>\n\u003Cblockquote 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-left: 16px;line-height: 2em;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;font-size: 14px;\">投资是把现有的购买力移转到一个投资项目上，然后预期在未来能够有更大的购买力。\u003C\u002Fp>\n\u003C\u002Fblockquote>\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;\">\u003Cbr>\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;\">更简单的说法是：\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>牺牲现有的消费机会，换取将来更好的消费能力。\u003C\u002Fstrong>\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;\">\u003Cbr>\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;\">一个经典的投资场景，是\u003Cstrong>养老\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;\">\u003Cbr>\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;\">当我们老了，除了养老金之外，很难获取其他的主动收入，这时就得靠\u003Cstrong>年轻时攒钱、投资，转移一部分购买力给未来。\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;\">\u003Cbr>\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;\">想清楚这一点，你就不容易被短期涨跌影响了——\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;\">\u003Cbr>\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;\">一方面，我们也不必为了攒钱，年轻时过度省吃俭用。\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;\">\u003Cbr>\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;\">年轻世代的消费，也是对自己眼界、经历、社交圈的一笔投资。等年纪大了，再去体验，效果是完全不同的。\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;\">\u003Cbr>\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;\">另一方面，也要在解决日常开支后，用闲钱进行财务投资，让未来的自己、家庭过上体面的生活。\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Ff6c6b06f-c33d-4616-b637-22548988d35e.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px 8px;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;color: rgb(214, 168, 65);\">\u003Cstrong>02 普通人的最优选择：指数基金\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;\">有了长期投资的意识，下一个问题是，\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>买什么？\u003C\u002Fstrong>\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;\">\u003Cbr>\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;\">巴菲特在这篇文章里，对三类资产展开了讨论。\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;\">\u003Cbr>\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;\">第一类是\u003Cspan style=\"color:#de7802;\">\u003Cstrong>现金类资产\u003C\u002Fstrong>\u003C\u002Fspan>，比如定期存款。\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;\">\u003Cbr>\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;\">很多人认为现金很安全，巴菲特却觉得现金很危险，因为通胀是常态。\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;\">\u003Cbr>\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;\">比如过去30年，美元购买力减少了50%，根本达不到购买力的保值需求。\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;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F7307f723-147c-4e0e-a367-34cb435e728e.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-size: 16px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">图源：FRED-消费者美元购买力\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;\">\u003Cbr>\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;\">第二类是\u003Cspan style=\"color:#de7802;\">\u003Cstrong>不生息的资产\u003C\u002Fstrong>\u003C\u002Fspan>，典型如黄金。\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;\">\u003Cbr>\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;\">他说，\u003Cstrong>黄金在恐惧的高峰期最受欢迎\u003C\u002Fstrong>。但从购买力的角度看，这种\u003Cspan style=\"color:#646a73;\">（从众的）\u003C\u002Fspan>心理安慰代价是高昂的：\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;\">\u003Cbr>\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;\">今天买下10克的黄金，100年后还是10克，不会变多。\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;\">\u003Cbr>\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;\">第三类资产，是对\u003Cspan style=\"color:#de7802;\">\u003Cstrong>生产性资产的投资\u003C\u002Fstrong>\u003C\u002Fspan>，包括企业、农场或房地产，也是巴菲特最钟爱的类别。\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;\">\u003Cbr>\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;\">这些公司就好像「奶牛」，源源不断生产「牛奶」。\u003Cstrong>它们的价值并不取决于货币价值，而是取决于产出牛奶的能力。\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;\">\u003Cbr>\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;\">如果想要跟随股神的脚步，那要买啥股票呢？什么时候买，什么时候卖？\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;\">\u003Cbr>\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;\">巴菲特反复提到，最适合普通人的是\u003Cspan style=\"background-color:rgba(254, 212, 164, 0.8);\">\u003Cstrong>指数基金\u003C\u002Fstrong>\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;\">\u003Cbr>\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;\">指数基金，就是用一套规则来选股，定期调仓。\u003Cstrong>这套规则，已经解决了「买点」和「卖点」的问题\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;\">\u003Cbr>\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;\">当一家公司产品受欢迎，市值慢慢增长，就会被纳入指数；要是失势，竞争不过其他家，股价下跌，市值减小，就会被指数淘汰。\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;\">\u003Cbr>\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;\">50年前，引领标普500的，还是IBM、施乐；如今排在前列的，已经换成了英伟达、苹果为首的科技新贵们。\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;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fbe42fdab-e4dd-45ca-81e9-08311522429f.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-size: 16px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">图源：personalfinanceclub\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;\">\u003Cbr>\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;\">A股的换血，同样反应时代更迭，2015年牛市，沪深300成分股被券商股「承包」；现在前十名里，制造业、消费品、金融股百花齐放，均衡不少。\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fb16c500d-d8d0-4bf5-9b80-3b02a633ab77.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px 8px;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;color: rgb(214, 168, 65);\">\u003Cstrong>03  极简投资的表现\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;\">极简投资，80%的资金正是投向了中美两国指数，理由是看好这两个全球最大的经济体，未来可以做大做强。\u003Cspan style=\"color:#646a73;\">(剩下的20%投向债券)\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;\">\u003Cbr>\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;\">从结果看，这个简单的逻辑，取得了不错的成绩，\u003Cstrong>过去十年年化收益率达到7%+\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;\">\u003Cbr>\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;\">当然，回报是有波动的\u003Cspan style=\"color:#646a73;\">（最大\u002F最小年化收益差异大）\u003C\u002Fspan>，不过单笔投资时间越长呢，收益率越会趋近平均值。\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;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fd0baa4bd-0c34-42ea-b161-0092c90fb965.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\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;\">\u003Cbr>\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;\">如果你觉得5年太短，参考历史更长的美股，单笔投资20年以上没有亏损；30年以上，年化收益稳定在5%+。\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;\">\u003Cbr>\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fdf566236-5190-4a60-873b-96b27f7c4b39.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin-right: 16px;margin-left: 16px;text-align: center;font-size: 16px;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;\">\u003Cspan style=\"color:#646a73;font-size: 14px;\">数据来源：《持续买入》\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;\">\u003Cbr>\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;\">有了这些数据，还是拿养老的场景举例——\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;\">\u003Cbr>\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;\">假设你现在30岁，每月\u003Cstrong>定投\u003C\u002Fstrong>500块极简，这个金额看上去离发财很遥远。\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;\">\u003Cbr>\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;\">但坚持投资30年，等到你60岁的时候，按极简的历史年化收益率算，你每月赎回，就有3800元进账，帮你解决必要的支出。\u003Cspan style=\"color:#646a73;\">\u003Cspan style=\"font-size: 14px;\">（500×1.07^30=3800）\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;\">\u003Cbr>\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;\">\u003Cstrong>这意味着，你在用每月500元的小钱，给未来买了一份每月3800元的「工资」。\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;\">\u003Cbr>\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;\">如果你现在人到中年，或者在为子女的教育金考虑，投资期限没法做到30年这么久。\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;\">\u003Cbr>\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;\">你还是可以拿出一部分钱投资极简，只不过\u003Cstrong>越临近要用钱的时间\u003C\u002Fstrong>，越要\u003Cstrong>增加安全资产\u003C\u002Fstrong>\u003Cspan style=\"color:#646a73;\">（现金、债券）\u003C\u002Fspan>的比重。\u003C\u002Fp>\n\u003Cp>\u003C\u002Fp>\n\u003Csection>\n \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F92a287e8-07e9-474b-86a3-100b64438031.jpg\"> \n\u003C\u002Fsection>\n\u003Cp>\u003C\u002Fp>\n\u003Cp style=\"margin: 0px 16px 8px;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;color: rgb(214, 168, 65);\">\u003Cstrong>04 行动指南：从现在开始\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;\">说了这么多理论，最后给你一个\u003Cstrong>实操方案\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;\">\u003Cbr>\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 style=\"font-weight: bold;\">-明确投资目标\u003C\u002Fspan>：你是为了单纯赚取价差，还是为了保持购买力而投资？\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 style=\"font-weight: bold;\">-做好资金安排\u003C\u002Fspan>：参考\u003Ca class=\"normal_text_link\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650676232&idx=1&sn=a28b4b364c0e399f43a90b162832c362&scene=21#wechat_redirect\" style=\"color: rgb(0, 82, 255);;color:#409eff\" target=\"_blank\">\u003Cspan style=\"color: rgb(0, 82, 255);\">「财富水池」\u003C\u002Fspan>\u003C\u002Fa>模型，安排好日常开支后，用闲钱投资，确保短期内用不到这笔钱。\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 style=\"font-weight: bold;\">-制定投资计划\u003C\u002Fspan>：建议你采用月定投，和发工资的现金流更匹配。\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 style=\"font-weight: bold;\">-设定持有期限\u003C\u002Fspan>：你预计投资\u003Cspan style=\"line-height: 2em;font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;\">多久，卖出\u003Cspan style=\"color: rgb(0, 0, 0);\">场景\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan style=\"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: rgb(0, 0, 0);\">是什么？\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cspan style=\"color:#646a73;\">（如养老、教育金）\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color:#646a73;\">\u003Cbr>\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 style=\"font-weight: bold;\">-建立心理准备\u003C\u002Fspan>：长期持有的过程中，遇到10％、20％的下跌，也能坚持住吗？\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;\">\u003Cbr>\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;\">市场永远充满不确定性，但历史告诉我们，优秀的企业、优秀的经济体，总能在时间的长河中创造价值。\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;\">\u003Cbr>\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;\">要是你还在纠结现在是买还是卖，不妨问问自己：投资期限是多久？什么时候需要这笔钱？\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;\">\u003Cbr>\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;\">\u003Cstrong>如果你的答案是「为了养老」、「为了保值增值」等长期目标，那么短期的涨跌根本不重要。\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;\">\u003Cbr>\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;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 218, 169);\">不用去追求完美的时机，因为完美的时机永远不会到来。\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;\">\u003Cbr>\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;\">现在就开始，和时间做朋友，让复利为你工作。\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;\">\u003Cbr>\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;\">还有啥想了解的，可以在评论区留言哦～\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;\">\u003Cbr>\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;\">晚安🌹\u003Cspan style=\"-webkit-tap-highlight-color: transparent;margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>","","2025-07-14 21:48:00",100,0,"py自动生成","liujing@jane7.com","2025-07-14 21:50:02",4464,false,17513,26,"1038002",23,[],[],14,[],[],[]]