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nav-level-4"><a class="nav-link" href="#P2P"><span class="nav-number">2.4.</span> <span class="nav-text">P2P</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E7%A5%A8%E6%8D%AE"><span class="nav-number">2.5.</span> <span class="nav-text">票æ®</span></a></li></ol></li><li class="nav-item nav-level-3"><a class="nav-link" href="#%E5%9F%BA%E9%87%91"><span class="nav-number">3.</span> <span class="nav-text">基金</span></a><ol class="nav-child"><li class="nav-item nav-level-4"><a class="nav-link" href="#%E6%8C%91%E9%80%89%E5%9F%BA%E9%87%91"><span class="nav-number">3.1.</span> <span class="nav-text">挑选基金</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E5%80%BA%E5%88%B8%E5%9F%BA%E9%87%91"><span class="nav-number">3.2.</span> <span class="nav-text">债券基金</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E6%8C%87%E6%95%B0%E5%9F%BA%E9%87%91"><span class="nav-number">3.3.</span> <span class="nav-text">指数基金</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E4%BF%9D%E6%9C%AC%E5%9F%BA%E9%87%91"><span class="nav-number">3.4.</span> <span class="nav-text">ä¿æœ¬åŸºé‡‘</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E5%85%B6%E4%BB%96%E5%9F%BA%E9%87%91"><span class="nav-number">3.5.</span> <span class="nav-text">其他基金</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#QDII%E5%9F%BA%E9%87%91"><span class="nav-number">3.6.</span> <span class="nav-text">QDII基金</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#KPI%E6%8A%A5%E5%91%8A"><span class="nav-number">3.7.</span> <span class="nav-text">KPI报告</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E5%9F%BA%E9%87%91%E9%85%8D%E7%BD%AE"><span class="nav-number">3.8.</span> <span class="nav-text">基金é…ç½®</span></a></li></ol></li><li class="nav-item nav-level-3"><a class="nav-link" href="#%E8%82%A1%E7%A5%A8"><span class="nav-number">4.</span> <span class="nav-text">股票</span></a><ol class="nav-child"><li class="nav-item nav-level-4"><a class="nav-link" href="#%E4%BA%A4%E6%98%93%E8%B4%B9%E7%94%A8"><span class="nav-number">4.1.</span> <span class="nav-text">交易费用</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E9%80%89%E8%82%A1%E5%97%85%E8%A7%89"><span class="nav-number">4.2.</span> <span class="nav-text">选股嗅觉</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E8%B5%9A%E9%92%B1%E5%A5%97%E8%B7%AF%E6%97%B6%E6%9C%BA%E7%AF%87"><span class="nav-number">4.3.</span> <span class="nav-text">赚钱套路时机篇</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E8%B5%9A%E9%92%B1%E5%A5%97%E8%B7%AF%E6%8A%80%E5%B7%A7%E7%AF%87"><span class="nav-number">4.4.</span> <span class="nav-text">赚钱套路技巧篇</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E5%85%B3%E6%B3%A8%E5%80%BA%E5%B8%82"><span class="nav-number">4.5.</span> <span class="nav-text">关注债市</span></a></li></ol></li><li class="nav-item nav-level-3"><a class="nav-link" href="#%E5%85%A8%E7%90%83%E6%8A%95%E8%B5%84"><span class="nav-number">5.</span> <span class="nav-text">å…¨çƒæŠ•èµ„</span></a><ol class="nav-child"><li class="nav-item nav-level-4"><a class="nav-link" href="#%E8%80%B6%E9%B2%81%E5%9F%BA%E9%87%91"><span class="nav-number">5.1.</span> <span class="nav-text">耶é²åŸºé‡‘</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E9%BB%84%E9%87%91"><span class="nav-number">5.2.</span> <span class="nav-text">黄金</span></a></li><li class="nav-item nav-level-4"><a class="nav-link" href="#%E5%85%A8%E7%90%83%E8%82%A1%E5%B8%82"><span class="nav-number">5.3.</span> <span class="nav-text">å…¨çƒè‚¡å¸‚</span></a></li></ol></li><li class="nav-item nav-level-3"><a class="nav-link" href="#%E5%A4%96%E6%B1%87%E4%B8%8E%E6%9C%9F%E8%B4%A7"><span class="nav-number">6.</span> <span class="nav-text">外汇与期货</span></a></li><li class="nav-item nav-level-3"><a class="nav-link" href="#%E4%BB%8E%E5%B0%8F%E5%9F%B9%E5%85%BB%E7%90%86%E8%B4%A2"><span class="nav-number">7.</span> <span class="nav-text">从å°åŸ¹å…»ç†è´¢</span></a></li></ol></div>
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《躺ç€èµšé’±ã€‹ç¬”è®°
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<div class="post-body" itemprop="articleBody"><h3 id="ç†è´¢å¿ƒæ€"><a href="#ç†è´¢å¿ƒæ€" class="headerlink" title="ç†è´¢å¿ƒæ€"></a>ç†è´¢å¿ƒæ€</h3><p>身价=工资*12/0.05ï¼Œä½ è‡ªå·±å°±å¾ˆå€¼é’±ï¼Œè¦ç”¨å¿ƒæ‰“é€ èº«ä»·æ”¶ç›ŠçŽ‡ã€‚<br>从舒适区跨出一æ¥å°±å¯ä»¥äº†ï¼Œä¸æ慌，ä¿æŒå¦ä¹ 状æ€ã€‚<br>选择自己能承担风险的投资组åˆï¼ŒæŠŠæ›´å¤šæ—¶é—´ç”¨åœ¨è‡ªå·±çš„事业。<br>作者以“年化收益率/最大回撤=1â€ä½œä¸ºæ ‡å‡†ã€‚<br>作者期望年化收益率20%；平å‡æ¯å¤©è·‘赢大盘1%；最大回撤20%。<br>ä¸èƒ½è¿žç»30年财富增值21%å°±ä¸èƒ½ç®—æˆåŠŸã€‚<br>20%的年化收益率是å‚照巴è²ç‰¹çš„æ ‡æ†ï¼Œä¹Ÿæ˜¯ç¾Žå›½é•¿æœŸæ”¶ç›ŠçŽ‡çš„天花æ¿ã€‚<br>作者投资收益：房产（05-10年，最轻æ¾çš„投资）ã€åŸºé‡‘（06年，年化收益率20%）ã€é»„金（09年，开阔投资æ€è·¯ï¼‰ã€P2P（13年，最高年化收益率23%）ã€è‚¡å¸‚（2014年，躲过股ç¾ï¼‰ã€é‡åŒ–投资（16年，弥补缺陷，节çœæ—¶é—´ï¼‰ã€‚<br>å‚é€å¿ƒé‡Œè´¦ç›®çš„人适åˆåšç”Ÿæ„，è¦èµšå¤§ä¼—心ç†ä¸Šæ„外之财。<br>所有的ç†è´¢å¿…须从å˜é’±å¼€å§‹ã€‚<br>投资ä¸95%的人都是äºçš„，在ä¸å›½ï¼Œæ•£æˆ·æ¢æ‰‹çŽ‡æžé«˜ã€‚<br>当了解到“机会â€ï¼Œè¦é€‰æ‹©æ”¾å¼ƒï¼Œäº†è§£å’Œåˆ†æžèƒŒåŽçš„规律，ç‰å¾…下一次机会点。<br>投资建议有滞åŽæ€§ï¼Œåªæœ‰æ·±è€•è‡ªå·±ç†Ÿæ‚‰çš„领域，æ‰èƒ½â€œèµšåˆ°ç¬¬ä¸€è½®â€çš„入场券。</p>
<h3 id="固定收益产å“"><a href="#固定收益产å“" class="headerlink" title="固定收益产å“"></a>固定收益产å“</h3><h4 id="è´§å¸åŸºé‡‘"><a href="#è´§å¸åŸºé‡‘" class="headerlink" title="è´§å¸åŸºé‡‘"></a>è´§å¸åŸºé‡‘</h4><p>ä½™é¢å®æœ¬è´¨æ˜¯è´§å¸åŸºé‡‘，俗称货基或ç«é¸¡ï¼Œè¿™ç±»åŸºé‡‘被规定ä¸èƒ½æŠ•èµ„股票，它的æµåŠ¨æ€§é«˜ã€‚<br>货基的主è¦æ”¶ç›Šæ¥è‡ªäºŽä¸Žé“¶è¡Œçš„åè®®å˜å•ï¼Œé“¶è¡Œçš„收益æ¥è‡ªäºŽå˜æ¬¾åˆ©æ¯å’Œè´·æ¬¾åˆ©æ¯çš„æ¯å·®ã€‚<br>用户将钱从货基ä¸å–出，å«åšèµŽå›žï¼Œæ£å¸¸èµŽå›žéœ€è¦ä¸€å¤©ï¼Œç§’到的是基金公å¸æˆ–å¹³å°åž«ä»˜çš„。<br>è´§åŸºæ— æ³•ä¿æœ¬çš„风险：资金投资失误，å‘生大é¢èµŽå›žï¼Œä¸¤è€…åŒæ—¶å‘生（概率æžä½Žï¼‰ã€‚<br>货基的浮动主è¦ä¾é 银行对资金的需求程度，13å¹´é’±è’，余é¢å®å¹´åŒ–收益率将近8%。<br>货基在推广期把年化收益率åšé«˜å¾ˆå®¹æ˜“：集ä¸èµ„金年底å˜é“¶è¡Œï¼›é‡Šæ”¾æ”¶ç›Šã€‚<br>活期å®æ˜¯åŸºäºŽå¯¹å„家货基释放收益时间点的把æ¡æ‰€è®¾è®¡çš„产å“。<br>货基的7日年化收益率ä¸å…·å‚考性，主è¦å‚考三方é¢ï¼šåŸºé‡‘规模ã€ä¸‡ä»½æ”¶ç›Šå’ŒæµåŠ¨æ€§ã€‚<br>★比起收益，货基更大的价值在于感知银行是å¦ç¼ºé’±!</p>
<h4 id="银行产å“"><a href="#银行产å“" class="headerlink" title="银行产å“"></a>银行产å“</h4><p>银行ç†è´¢æ˜¯å€Ÿç€ç”¨æˆ·çš„ä¿¡ä»»æ˜Žç›®å¼ èƒ†æžä¸é€æ˜Žã€‚<br>银行给银监会看的是规矩的表内资产，表外资产投å‘高风险区域和方å‘。<br>银行æ了一座桥让资产从表内æµå‘表外，俗称过桥。<br>æ— æ³•å…‘ä»˜çš„æƒ…å†µä¹Ÿä¸ç¨€å¥‡ï¼Œé“¶è¡Œä¸ºäº†ä¿¡èª‰ï¼Œé‡‡å–刚性兑付是主æµåšæ³•ã€‚<br>结构型ç†è´¢äº§å“把钱分两份，基础的投低风险（å˜æ¬¾ã€å€ºåˆ¸ã€ç¥¨æ®ç‰ï¼‰ï¼ŒæŒ‚钩的投高风险（外汇ã€è‚¡ç¥¨ã€é»„金期æƒç‰ï¼‰ã€‚<br>银行ç†è´¢å°æŠ€å·§ï¼šå¹´æœ«ã€å£æœ«ä¹°ï¼Œé€‰æ‹©äº§å“考虑：风险性ã€æµåŠ¨æ€§ã€æ”¶ç›Šæ€§ã€‚<br>从风险性考虑，一定è¦äº†è§£è¿™æ¬¾äº§å“æœ‰å“ªå‡ æ–¹å‚与进æ¥ï¼Œå¦‚果是“银行+信托或资产管ç†å…¬å¸â€ï¼Œä¿¡æ‰˜æŠŠé’±æŠ•å‘哪里，了解这个很é‡è¦ï¼›å¦‚果是“银行+基金公å¸â€çš„组åˆå®‰å…¨ä¸Šä¼šæ¯”较å¯é 。</p>
<h4 id="万能险"><a href="#万能险" class="headerlink" title="万能险"></a>万能险</h4><p>çŸæœŸä¸‡èƒ½é™©ï¼šä¿åº•æ”¶ç›Šã€1000元起投ã€3月~1年期é™ã€é¢„期收益高ã€ä¿é™©å…¬å¸èƒŒä¹¦ï¼Œå®ƒæœ¬èº«æ˜¯ç”±é•¿æœŸä¸‡èƒ½é™©å’ŒæŠ•èµ„账户包装而æˆã€‚<br>2015年，å‰æµ·äººå¯¿é 万能险资金入侵万科股æƒã€‚<br>ä¿ç›‘会对çŸæœŸçŸæœŸä¿é™©ç†è´¢äº§å“çš„è¦æ±‚：<br>1ã€ä¸€å¹´ä»¥å†…的产å“必须下架。<br>2ã€äº”年期以内的产å“必须大é‡å‡å°‘供应，ä¸èƒ½è¶…过ä¿é™©å…¬å¸å‡€èµ„产的两å€ã€‚<br>3ã€æ‰¿è¯ºé¢„期收益超过3%需è¦å®¡æ‰¹ã€‚<br>《ä¿é™©æ³•ã€‹è§„定了除分立ã€åˆå¹¶å¤–，ä¿é™©å…¬å¸ä¸å¾—解散倒é—，ä¿ç›‘会为æ¤è®¾æœ‰æ•‘助基金。<br>★银监会和ä¿ç›‘会的监管规定往往能让人å¯ä»¥æå‰è§‰å¯Ÿæœºä¼šã€‚</p>
<h4 id="P2P"><a href="#P2P" class="headerlink" title="P2P"></a>P2P</h4><p>P2P两个éžå¸¸è§„高收益玩法：<br>1ã€åœ¨P2Pæ慌期，使用网站数æ®è¿›è¡Œæ‰«è´§æŠ¢å•ï¼ŒæŽ¥æ‰‹é«˜æ”¶ç›Šå•å。<br>2ã€åˆ©ç”¨å˜çŽ°æœåŠ¡è¿›è¡Œå¥—利，用固定型资产抵押，获å–æµåŠ¨åž‹èµ„金，å†è´å…¥å›ºå®šåž‹èµ„产å†æŠµæŠ¼â€¦â€¦<br>选择P2På¹³å°çš„å¿…è¦æ¡ä»¶ï¼šé“¶è¡Œå˜ç®¡ã€å°é¢åˆ†æ•£ã€ICPç»è¥è®¸å¯è¯ï¼Œå¦å¤–，平å°èƒŒæ™¯ã€é£ŽæŽ§å®žåŠ›ã€é£Žé™©å‡†å¤‡é‡‘ã€å€ºæƒæ€§è´¨ä¹Ÿè¦è€ƒè™‘下。</p>
<h4 id="票æ®"><a href="#票æ®" class="headerlink" title="票æ®"></a>票æ®</h4><p>ä¼ä¸šèŽ·å–银行承兑汇票，需è¦æ”¯ä»˜ä¿è¯é‡‘以åŠè´·æ¬¾é‡‘的利æ¯ï¼ŒæœŸé™åˆ°æœŸåŽé“¶è¡Œå‘最åŽä¸€æ‰‹æŒç¥¨äººä»˜æ¬¾ã€‚</p>
<h3 id="基金"><a href="#基金" class="headerlink" title="基金"></a>基金</h3><h4 id="挑选基金"><a href="#挑选基金" class="headerlink" title="挑选基金"></a>挑选基金</h4><p>基金的费用也是挑选的é‡è¦æŒ‡æ ‡ä¹‹ä¸€ï¼Œè¿™äº›æ˜¯åŸºé‡‘机构的é‡è¦åˆ©æ¶¦æ¥æºã€‚<br>境外基金并ä¸æ¯”内地基金费用便宜。<br>A类基金è´ä¹°æ—¶æ”¶å–申è´è´¹ï¼›B类基金赎回时收å–申è´è´¹ï¼›C类基金ä¸æ”¶ç”³è´è´¹ï¼Œæ»¡30天å…赎回费，æ¯å¤©æ”¶å–销售æœåŠ¡è´¹ã€‚<br>2016年，国人æŒæœ‰åŸºé‡‘å¹³å‡æ—¶é—´48天，这ç§çŸæœŸçš„基金投资，选择C类基金费用更便宜。<br>指数基金费用 ä¸€èˆ¬æ¯”è¾ƒä¾¿å®œï¼Œå› ä¸ºç®¡ç†éš¾åº¦è¾ƒå°ã€‚<br>股票账户内的ETF场内基金，虽然选择少，管ç†è´¹ä½Žï¼Œå…å°èŠ±ç¨Žã€‚<br>基金业绩排行榜ä¸å…·å¤‡å‚考性，当年排å好的基金往往是跟ç€å¸‚场环境走，è¦æ ¹æ®ä¸åŒçš„市场环境和æŒè‚¡é£Žæ ¼åˆ¤æ–。<br>虚å‡åŸºé‡‘ä¸šç»©å› ç´ ï¼šæ‰“æ–°ã€èµŽå›žè´¹ç”¨ã€‚<br>有时候，选基金ä¸å¦‚选基金ç»ç†ï¼Œæ¯”如何震ã€çŽ‹äºšä¼Ÿã€æˆèƒœç‰ã€‚<br>分æžåŸºé‡‘è¦è€ƒè™‘çš„å‚数：<br>1ã€åŸºé‡‘ç»ç†ç²¾åŠ›åˆ†é…的问题，管ç†å¤ªå¤šåŸºé‡‘让人担心。<br>2ã€è¿‘两年业绩平稳度，股ç¾è¡¨çŽ°ï¼Œçªç„¶æ¶¨å¹…åŽŸå› ã€‚<br>3ã€åŸºé‡‘的管ç†è´¹ç”¨ã€‚<br>4ã€ä¸ŽçŽ°æœ‰æŠ•èµ„的风险é…置。<br>世界三大基金评级机构，晨星ã€ç†æŸã€æƒ 普，以下以晨星为例：<br>1ã€åŸºå‡†æŒ‡æ•°ï¼Œæ˜¯ä¸Žå¯¹æ‰‹çš„比较值，这是基金ç»ç†çš„KPI。<br>2ã€æ ‡å‡†å·®ï¼ŒåŸºé‡‘总回报率的波动幅度。<br>3ã€å¤æ™®æ¯”率，收益与风险的比值。<br>4ã€Î±å’ŒÎ²ï¼Œæ˜¾ç¤ºåŸºé‡‘ç»ç†çš„投资能力。<br>5ã€æŠ•èµ„风险箱，一键分æžåŸºé‡‘é£Žæ ¼å’Œé£Žé™©ã€‚</p>
<h4 id="债券基金"><a href="#债券基金" class="headerlink" title="债券基金"></a>债券基金</h4><p>债券基金分为纯债ã€ä¸€çº§å€ºåˆ¸å’ŒäºŒçº§å€ºåˆ¸ã€‚<br>è¯åˆ¸å¸‚场常用的两ç§æ æ†ï¼šæ£å›žè´ï¼ˆæŠµæŠ¼å€ºåˆ¸ï¼‰ã€èžèµ„èžåˆ¸ï¼ˆæŠµæŠ¼è‚¡ç¥¨ï¼‰ã€‚<br>银行利率é™ä½Ž=债券牛市<br>久期是债券专用åè¯ï¼Œæ˜¯æ”¶åˆ°å€ºåˆ¸çŽ°é‡‘æµçš„åŠ æƒå¹³å‡æ—¶é—´ã€‚<br>定开å°å€ºåˆ¸åŸºé‡‘的申è´èµŽå›žéƒ½æ˜¯å®šæœŸå¼€æ”¾çš„，普通债基æ æ†çŽ‡ä¸è¶…过140%，定开å°å€ºåŸºèƒ½è¾¾åˆ°200%。</p>
<h4 id="指数基金"><a href="#指数基金" class="headerlink" title="指数基金"></a>指数基金</h4><p>指数基金是指跟éšè‚¡ç¥¨æŒ‡æ•°çš„基金，是一ç§è¢«åŠ¨åž‹åŸºé‡‘。<br>å·´è²ç‰¹çš„赌局：认为管ç†æˆæœ¬ä¼šæ‹–累对冲基金的收益，长期看æ¥æ— 法跑赢指数基金。<br>身边没人谈论股票的时候，å¯ä»¥å…¥æ‰‹è‚¡æŒ‡åŸºé‡‘。<br>金å—å¡”å¼åŠ 仓：2000点入一份，1850点入两份，1800点入三份。<br>â€å¿«ç†Š1年，慢熊3~5年，快牛2年。“<br>★长期零钱定投是éŸèœä»¬æˆ˜èƒœå¸‚场的好方法，在â€å¾®ç¬‘曲线“ä¸ç›ˆåˆ©ã€‚<br>下一个牛市就赎回，熊市ç»ä¸èµŽå›žã€‚<br>定投磨练心æ€ï¼Œä¸æŠ„底æ€å…¥ï¼Œè¾¹è·Œè¾¹ä¹°ï¼Œä¸ç›²ç›®åŠ 仓，ä¸ä¼šå¼¹å°½ç²®ç»ã€‚<br>选高波动指数基金åšå®šæŠ•ï¼Œä¾¿å®œçš„时候多囤点儿。<br>指数基金低风险é…置：<br>1ã€ä¸ç¾Žé…：沪深300+æ ‡æ™®500<br>2ã€è€å°‘é…：沪深300+ä¸è¯500<br>很多平å°æœ‰æ™ºèƒ½è®¡ç®—定投份é¢å’Œè‡ªåŠ¨æ¢ç›ˆçš„功能。</p>
<h4 id="ä¿æœ¬åŸºé‡‘"><a href="#ä¿æœ¬åŸºé‡‘" class="headerlink" title="ä¿æœ¬åŸºé‡‘"></a>ä¿æœ¬åŸºé‡‘</h4><p>ä¿æœ¬åŸºé‡‘åªæœ‰åœ¨æ–°å‘基金时申è´+æŒæœ‰åˆ°æœŸæ‰ä¿æœ¬ã€‚<br>ä¿æœ¬åŸºé‡‘çš„ç–略有CPPIå’ŒTIPP。<br>ä¿æœ¬åŸºé‡‘è·Œç ´å‡€å€¼å¯ä»¥ç”³è´ï¼Œä½†æ˜¯æ‰‹ç»è´¹é«˜ï¼Œé€šå¸¸ä¹Ÿä¼šæœ‰é™åˆ¶ã€‚<br>分级基金A类，也有点ä¿æœ¬çš„æ„æ€ï¼›Bç±»æ— ç§åž«åº•ï¼Œé£Žé™©æžå¤§ã€‚</p>
<h4 id="其他基金"><a href="#其他基金" class="headerlink" title="其他基金"></a>其他基金</h4><p>定点分红基金的分红åªæ˜¯æŠŠæœ¬æ¥å±žäºŽä½ çš„é’±æ‹¿ç»™ä½ è€Œå·²ï¼›å¯ä»¥åˆ©ç”¨åˆ†çº¢åŸºé‡‘é¿ç¨Žï¼›ç‰›å¸‚里分红少的基金相对更好，熊市里å¯ä»¥é€‰æ‹©åˆ†çº¢å¤šçš„基金。<br>打新基金的挑选：打新å£çš„时间点；选专èŒæ‰“新基金；组一个30天的打新ç†è´¢è®¡åˆ’。<br>打新基金的机é‡ï¼šæœºæž„会认è´å¤§é‡æ‰“新基金，跟ç€å–汤；IPOæš‚åœè®©æœºæž„大é‡æ’¤å‡ºï¼Œç•™ä¸‹å·¨é¢èµŽå›žè´¹ï¼Œå‡€å€¼ç‹‚飙；机构刚走的时候ä¸è¦è¿›åŽ»éå‘。<br>市场上比较公认的打新王是国泰和国è”安。<br>定增基金能低价è´ä¹°è‚¡ç¥¨ï¼ŒæŠ•èµ„é¢å¤§ï¼Œé”定期长，安全垫高，与上市公å¸ä¸€èµ·æˆé•¿ã€‚<br>å®šå¢žç ´å‘åŸºé‡‘åœ¨è‚¡ç¥¨è·Œç ´å‘行价的时候买入，获得折上折。<br>é‡åŒ–基金由机器择时择股，机器读懂赚钱的模型，ä¸æ–优化模型。</p>
<h4 id="QDII基金"><a href="#QDII基金" class="headerlink" title="QDII基金"></a>QDII基金</h4><p>QDII是投资国外资产的基金，将人民å¸å…‘æ¢æˆå¤–å¸æ“作，所以适åˆäººæ°‘å¸è´¬å€¼æœŸæ“作。<br>主è¦åˆ†ä¸¤ç±»ï¼ŒæŒ‡æ•°åž‹å’ŒREITS，åŽè€…本质上是房地产投资收益。<br>管ç†è´¹è¾ƒè´µï¼Œå¤–管局é™åˆ¶å¤šï¼Œäººæ°‘å¸è´¬å€¼æ—¶ç”³è´éš¾ã€‚</p>
<h4 id="KPI报告"><a href="#KPI报告" class="headerlink" title="KPI报告"></a>KPI报告</h4><p>如何看基金的å£åº¦KPI报告？<br>1ã€åŸºé‡‘的投资ç–略和动作分æž<br>2ã€æ˜¯ä¸æ˜¯åŠ 入了新的基金ç»ç†<br>3ã€æŠ•èµ„组åˆæŠ¥å‘Š<br>4ã€ä»½é¢å˜åŠ¨</p>
<h4 id="基金é…ç½®"><a href="#基金é…ç½®" class="headerlink" title="基金é…ç½®"></a>基金é…ç½®</h4><p>step 1 选出相关性比较å°çš„åŸºé‡‘ä½œä¸ºä½ çš„ç»„åˆ<br>step 2 需è¦å®šæœŸåšå¹³è¡¡ï¼Œå¯ä»¥ä¹°å…¥å–出或补充资金。<br>懒得按æ¥éª¤æ¥ï¼Œä¹Ÿå¯ä»¥é€‰æ‹©è‡ªåŠ¨å¹³è¡¡çš„基金或智能投顾。</p>
<h3 id="股票"><a href="#股票" class="headerlink" title="股票"></a>股票</h3><h4 id="交易费用"><a href="#交易费用" class="headerlink" title="交易费用"></a>交易费用</h4><p>èªæ˜Žäººä¸˜å‰å°”和牛顿也输给了故事。<br>x=120-ä½ çš„å¹´é¾„ï¼Œx%的钱放入股市，1-x%的钱放入债市。<br>用户费用：å°èŠ±ç¨Ž0.1%，å–出时收å–；佣金è¯åˆ¸å…¬å¸å†³å®šï¼Œå›½å®¶è§„定最高0.3%，æ¯ç¬”最低收费5元，买å–都è¦æ”¶å–；分红所得税。<br>券商费用：è¦ç»™è¯ç›‘会交è¯ç®¡è´¹å’Œäº¤æ˜“费用，æˆæœ¬åŸºæœ¬ä¸Šæ˜¯0.15%。</p>
<h4 id="选股嗅觉"><a href="#选股嗅觉" class="headerlink" title="选股嗅觉"></a>选股嗅觉</h4><p>å‹è°Šè‚¡ä»½ï¼ˆ5.8<del>27.45，2013</del>2014）：奥特莱斯逛开心了，了解背åŽè´¢ä¸»ä¸ºå‹è°Šè‚¡ä»½ï¼›æŠ¥çº¸ä¸Šè®¨è®ºâ€œä¸Šæµ·å›½èµ„â€ï¼›æ–°é—»è”æ’里出现å‹è°Šè‚¡ä»½ï¼›å…¶æŒæœ‰çš„房产差ä¸å¤šå°±è¶…过当时的市值。<br>å…‰çº¿ä¼ åª’ï¼ˆ1.73<del>19.51，2013</del>2015）：泰囧一票难求。<br>当一个新的产å“从少é‡å¼€å§‹çˆ†å‘，就很å¯èƒ½ä¼šæœ‰å…¬å¸çªœèµ·ï¼<br>银河基金æˆèƒœç®¡ç†ä¸‹çš„两åªåŸºé‡‘拥有åå€çš„ä¸šç»©ï¼Œè®©ä»–å‡ åº¦æ‘˜å¾—é‡‘ç‰›å¥–ã€‚<br>æˆèƒœã€Šå¦‚何找到åå€è‚¡ã€‹ï¼šç”Ÿæ´»ä½“验，医院看病挂å·ä½“验的å˜åŒ–ï¼›æ€è€ƒï¼Œè®¤ä¸ºåŒ»ç–—ä¿¡æ¯åŒ–æ£åœ¨æ”¹å˜åŒ»é™¢çš„业务æµç¨‹ï¼›è°ƒç ”å‘现，北京上海医疗信æ¯åŒ–还有很多æå‡çš„空间，更何况二三线城市；类比数æ®ï¼ŒåŒä½“é‡å¤§è¡Œä¸šçš„上游龙头软件公å¸éƒ½æœ‰ä¸€ä¸¤ç™¾äº¿å¸‚值，而医疗å´åªæœ‰ä¸‰å››å亿市值；国际性比较，美国医疗信æ¯åŒ–龙头公å¸cerner上百亿美金的市值；å‘çŽ°æ ‡çš„ï¼Œå«å®è½¯ä»¶ä¸Šæµ·å 有率很好，并在å‘外çœæ‰©å¼ ï¼›å¤§çŽ¯å¢ƒï¼Œè¯¥æ ‡çš„ä¸ºç¤¾ä¿æä¾›æœåŠ¡åˆ‡å…¥è¿™ä¸ªé¢†åŸŸã€‚<br>行业周期：概念期→导入期→æˆé•¿æœŸâ†’æˆç†ŸæœŸâ†’衰退期。<br>第二ã€ä¸‰å‘¨æœŸè¿›å…¥æ¯”较åˆé€‚，导入期是产业链æˆç†Ÿï¼Œæˆé•¿æœŸæ˜¯å‚与的ä¼ä¸šè¶Šæ¥è¶Šå¤šã€‚<br>æ€è€ƒä¹ 惯，找出æ¯ä¸€ä»¶äº‹èƒŒåŽçš„赚钱逻辑，摸清楚产业链。<br>éžæµé€šè‚¡1年内ä¸å¾—上市交易和转让，大å°éžè§£ç¦å¤§æ¦‚率是利好。<br>å…¬å¸ä¸Šå¸‚åŽè¿˜æ˜¯ç¼ºé’±ï¼Œå°±ä¼šå®šå‘增å‘股份；å‘è¡Œå’Œç ´å‘都有机会。<br>高é€è½¬ï¼Œè®©æ›´å¤šäººä¹°ï¼Œå¢žå¼ºè‚¡ç¥¨æµé€šæ€§ã€‚<br><img src="/assets/img/00100.png"><br>A股，对消æ¯å应很快也很慢，知情者上åˆç¬¬ä¸€æ—¶é—´ä¹°å…¥ï¼Œéšå«å±æœºæ•´ä¸ªå¸‚场都略慢一æ‹ã€‚<br>åšæŒæ¯å¤©å¤ç›˜è‚¡ç¥¨èµ°åŠ¿ï¼Œæ高对股市和个股走势的感知。</p>
<h4 id="赚钱套路时机篇"><a href="#赚钱套路时机篇" class="headerlink" title="赚钱套路时机篇"></a>赚钱套路时机篇</h4><p>市场缺钱的适åˆï¼Œå°±åšé€†å›žè´ï¼Œå€Ÿé’±çš„人是以国债作为抵押的。<br>逆回è´æœ‰1ã€2ã€7天，T+1资金å¯ç”¨ï¼ŒT+2资金å¯å–，沪市10w起，深市1k起，æ“作注æ„节å‡æ—¥ã€‚<br>牛熊规律è¦å¤šå¤ç›˜å¤šåˆ†æžï¼š<br><img src="/assets/img/00101.png"><br>凌é¹â€œæ˜¥å£èºåŠ¨å››æœˆå†³æ–â€ï¼š<br><img src="/assets/img/00102.png"><br>三四å£åº¦ä¹°å…¥å†œä¸šè‚¡ï¼Œç‰å¾…年底红包。<br>日元跌了，A股会涨。<br>大盘上涨趋势ä¸ï¼Œä¹°å…¥å¯è½¬å€ºã€‚<br>雪çƒå¼ 翼轸æ出的著å的择时二八轮动ç–ç•¥åªé€‚åˆç‰›å¸‚。</p>
<h4 id="赚钱套路技巧篇"><a href="#赚钱套路技巧篇" class="headerlink" title="赚钱套路技巧篇"></a>赚钱套路技巧篇</h4><p>æ¯å¤©ç»™è´§å¸åŸºé‡‘3%的收益，é…åˆé“¶è¡ŒT+0产å“。<br>ETF基金是股票的组åˆå¥—é¤ï¼Œæœ‰ä¸¤å¥—系统。<br>想买的股票åœç‰Œï¼Œå¯ä»¥è€ƒè™‘买基金。<br>散户å¯ä»¥è€ƒè™‘LOF套现。<br>å°å¸‚值股票，一个在ä¸å›½è¿˜ä¸é”™çš„“赌åšâ€ã€‚<br>60%è‚¡æ°‘ä¸çœ‹ç ”报，è¦å¤šçœ‹ç ”报有助于快速形æˆæŠ•èµ„逻辑。<br>熊市é‡ç‚¹å…³æ³¨çŽ°é‡‘æµå……足的股票。</p>
<h4 id="关注债市"><a href="#关注债市" class="headerlink" title="关注债市"></a>关注债市</h4><p>å€ºåˆ¸å¾ˆå¤šæ—¶å€™æ˜¯è‚¡å¸‚çš„å…ˆè¡ŒæŒ‡æ ‡ã€‚<br>从债市，猜央妈货å¸æ”¿ç–的玄机。<br>国际市场上ä¾ç„¶ä»¥å€ºå¸‚为先。 </p>
<h3 id="å…¨çƒæŠ•èµ„"><a href="#å…¨çƒæŠ•èµ„" class="headerlink" title="å…¨çƒæŠ•èµ„"></a>å…¨çƒæŠ•èµ„</h3><h4 id="耶é²åŸºé‡‘"><a href="#耶é²åŸºé‡‘" class="headerlink" title="耶é²åŸºé‡‘"></a>耶é²åŸºé‡‘</h4><p>08年金èžå±æœºéƒ½ä¿æŒäº†4.5%的年化收益率。<br>é…置：<br>1ã€äº‹ä»¶é©±åŠ¨çš„投资机会，使用PE/VC+æ æ†æ”¶è´ã€‚<br>2ã€å›½å¤–股票投资。<br>3ã€ä¸€çº¿åŸŽå¸‚商业房地产，抵抗通胀，获å–租金现金æµã€‚<br>4ã€å¤§å®—商å“，抵抗通胀，逆周期投资获å–超é¢å›žæŠ¥ã€‚</p>
<h4 id="黄金"><a href="#黄金" class="headerlink" title="黄金"></a>黄金</h4><p>美国宽æ¾è´§å¸æ”¿ç–简称QE，黄金和QE关系密切。<br>èµ„äº§ä»·æ ¼è·Ÿç€å¸‚场预期走，当消æ¯è½åœ°ï¼Œåˆ™æ ¹æ®â€œé¢„期与现实â€çš„差异åšä¿®æ£ã€‚<br>从è”邦基金黄金期货å¯ä»¥äº†è§£ç¾Žå›½åŠ æ¯é¢„期。<br>å€ºå¸‚ä¹Ÿæ˜¯é»„é‡‘èµ°åŠ¿æŒ‡æ ‡ä¹‹ä¸€ã€‚<br>黑天鹅事件会引å‘æ慌，但是和黄金走势并没有直接关系。<br>黄金和美元走势相å，和原油ç‰å¤§å®—商å“走势差ä¸å¤šã€‚<br>2013年开始金矿开始缩å‡è§„模，金价长期看涨。<br>定投黄金时候按照金é¢è´ä¹°æ›´é€‚宜长周期。</p>
<h4 id="å…¨çƒè‚¡å¸‚"><a href="#å…¨çƒè‚¡å¸‚" class="headerlink" title="å…¨çƒè‚¡å¸‚"></a>å…¨çƒè‚¡å¸‚</h4><p>Aè‚¡å’ŒH股里选便宜的：<br>1ã€æˆåˆ†è‚¡å…¬å¸çš„AH股价比率>103，将Aè‚¡æ¢H股。<br>2ã€æˆåˆ†è‚¡å…¬å¸çš„AH股价比率<97，将Hè‚¡æ¢A股。<br>美股市场é™ä½Žé£Žé™©å¯ä»¥é…ç½®å¯¹å†²æ ‡çš„ã€‚<br>投资REITså¯ä»¥åšå…¨çƒâ€œåŒ…租婆â€ï¼Œå¯¹æŠ—通胀。<br>比特å¸æ€»é‡æ’定，对抗通胀，但有国家管控ã€é»‘客影å“ç‰é£Žé™©ã€‚</p>
<h3 id="外汇与期货"><a href="#外汇与期货" class="headerlink" title="外汇与期货"></a>外汇与期货</h3><p>外汇市场比股市大200å€ã€‚<br>å‡å€¼é¢„期，离岸人民å¸æ±‡ä»·ä¼šæ˜¾è‘—高于在岸人民å¸ï¼›è´¬å€¼é¢„期，å之。<br>2016å¹´10月1日，人民å¸æ£å¼çº³å…¥SDR。<br>期货放æ æ†æ¥é’±å¿«ï¼Œä½†æ˜¯é£Žé™©å¾ˆå¤§ã€‚</p>
<h3 id="从å°åŸ¹å…»ç†è´¢"><a href="#从å°åŸ¹å…»ç†è´¢" class="headerlink" title="从å°åŸ¹å…»ç†è´¢"></a>从å°åŸ¹å…»ç†è´¢</h3><p>尽早让钱生钱，体会å¤åˆ©ä¹‹ç¾Žã€‚<br>特朗普女儿伊万å¡6å²å¼€å§‹ç ”究股票。<br>高盛银行家8å²å¥³å„¿ä¹°ä¸‹è‚¡ç¥¨ï¼š<br>1ã€å½“女儿å˜æ¬¾è¶…过500美金，让她买股。<br>2ã€è®©å¥³å„¿è¿›è¡Œè°ƒç ”，让女儿找出家里很好的产å“，奖励100美元。<br>3ã€ç¼©å°èŒƒå›´è‡³5个产å“，帮女儿选择，并告诉她为什么。<br>4ã€å‘Šè¯‰å¥³å„¿å¦‚何看股。<br>让地ç†çŸ¥è¯†å¸®åŠ©äº†è§£è´¢å¯Œæµå‘。<br>ç»™å©åä¸€å¼ æ±‡çŽ‡è¡¨ï¼Œè®©å¥¹ 选择去哪里旅游。<br>《一件Tæ¤çš„一生》讲述了整个Tæ¤çš„贸易链。<br>常å¬ç†è´¢è¯¾çš„12å²å°å©è¯´å‡ºâ€œé’»çŸ³ä¸ä¿å€¼ï¼Œå¹´åŒ–率åªæœ‰5%â€ã€‚</p>
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