余额宝不到2%，如何正确投资理财？

周建国发表于2020年04月22日

<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">这是2020年4月21日的，公众号文章。<img src="https://edu-image.nosdn.127.net/E1FA722F7E775989923180A1511B51FD.png?imageView&thumbnail=890x0&quality=100" id="1" style="vertical-align: top; border: 0px; max-height: 520px; max-width: 520px; width: 80px; height: 90px;"/><h2 class="rich_media_title" id="activity-name" style="margin: 0px 0px 14px; padding: 0px; font-weight: 400; font-size: 22px; line-height: 1.4; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "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);">余额宝不到2%，如何正确投资理财？</h2><span id="copyright_logo" class="rich_media_meta icon_appmsg_tag appmsg_title_tag" style="margin: 0px 8px 10px 0px; padding: 0px 4px; display: inline-block; vertical-align: middle; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); line-height: 1.67; background: rgb(242, 242, 242); color: rgba(0, 0, 0, 0.3); border-radius: 2px; width: auto; overflow: hidden; text-overflow: ellipsis; overflow-wrap: normal; max-width: 70%;">原创 华电老周 <span class="rich_media_meta rich_media_meta_nickname" id="profileBt" style="margin: 0px 10px 10px 0px; padding: 0px; display: inline-block; vertical-align: middle; font-size: 15px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;"><a id="js_name" style="margin: 0px; padding: 0px; color: var(--weui-LINK); -webkit-tap-highlight-color: rgba(0, 0, 0, 0); cursor: pointer;">投资很简单</a> <span id="publish_time" class="rich_media_meta rich_media_meta_text" style="margin: 0px 10px 10px 0px; padding: 0px; display: inline-block; vertical-align: middle; font-size: 15px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">2020年4月21日<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">亲们：21世纪是中国的世纪，咱要对大A股未来的百年牛市充满信心。投资需要耐心，不能耽误工作，耽误学习，影响生活。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">老师，第一次听您的课就被圈粉了，昨晚的大盘分析看了两遍，虽然不懂，您说会降，今天果然降了，佩服！——真没啥，短线预测，蒙的概率大！中长线预测，才能比较靠谱的。<p style="max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><img src="https://edu-image.nosdn.127.net/5AACEC68598FB4A618317887A9A793DB.gif" id="1"/><p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">老师，我身边有很多买理财产品，亏了大钱的人，你什么时候讲讲理财呀？——有空我开辟专栏。 <p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">“你不理财，财不理你”。我们富了，都开始把富裕的钱，拿去投资理财了。如你所说，相当数量做投资理财的人，亏钱，甚至亏大钱，亏上几十万，上百万的人不在少数。还有部分人，借贷买理财产品，亏了钱，还弄得的负债累累。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">那该怎么办？<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">1.不贪：知道资产回报率低，是常态<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">现在，像余额宝这样的货币基金，年化收益率都不到2%了，这是一个很重要的标志，2014年的时候，余额宝的年化收益率曾经达到过6.7%。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">余额宝才2%表明什么？这表明，现在资产回报率太低了。根本原因就是，国家富裕了，基数大，增长速度放缓了，实业投资的暴利机会不多了。也就是说，现在市场上不缺钱了，现金没有那么值钱了。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">既然钱不值钱了，放在哪，都不值钱。无论我们做理财，还是做股票投资，都应该正式这个问题。得接受这个事实，不要总做短期发大财的梦了。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">2.合理预期：年化收益率小于5%<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">这个问题，我在慕课的一个视频《挣多少钱是多》中，专门讲过。无风险的最高收益，就是国债的收益，大致相当于是国债3年期的年化回报率。也就是说，如果想安安心心地，没有风险，能拿到的最高回报就是国债，没有比他更安全，性价比更高。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">3年期的年化收益率大约是4%。只要超过4%，就开始有风险了。这个比例越高，风险就越大。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">所以，全国社保基金理事长楼继伟说过，理财产品年化收益率超过6%都是骗子。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">我个人理解，年化收益率超过5%都不容易，而且，6%是楼继伟好几年前说的，现在整个资产回报率在下降，是不是可以说，超5%，就是骗子？<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">3.不做短线：总想捞一把就走，结果跑不了<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">相当数量的人，做投资理财，有捞一把就走的想法。我就挣这次钱，挣完这次钱，我就洗手不干了，其实，这很难做到。即便只有一次，碰上倒霉的事也很正常。也许正好你这次投资理财，就赶上风险了。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">不要有侥幸心理，这跟股民炒短线是一个道理，很多人就说，我就炒这一次短线，挣了就走，下次再也不买了。实际上很难收手。做短线的最终结果基本上是：挣上7次，8次或10次，都不走，越挣越高兴，到最后一次，信心十足，把所有钱全压进去，最后，把前面挣的钱一次赔光。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">有人被高利理财所诱惑，不惜借贷也要参加这种高利理财，觉得高利理财的回报率，比贷款利率还要高，肯定还能挣钱。大错而特错。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">很多做理财的人亏了一屁股债，他们真不是穷人，手里曾经有几十万甚至上百万块钱的余钱，只是因为贪心，被各种理财产品割韭菜，最后亏钱，负债累累。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 45px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">[建议]放低盈利的要求，现金为王<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">怎么办？放低盈利的要求，没有好的盈利机会，就该坚持现金为王。千万不要随便把现金换成股票，换成理财产品。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">如果想获得稳定的无风险的高回报，可以牺牲流动性，买国债；也可以定投宽基指数基金。如果不满意这样机会，就持有现金或类似于现金的货币基金（如余额宝）。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">别看现金跑不过通胀，但现金为王！现金具有无可比拟的流动性。你随时可以拿现金，买各种低估的优质资产。比如，你是股民，可等高价抢股票的人，在低位割肉时，抄底。<p style="margin-bottom: 15px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; text-indent: 38px; background: white; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">慕课4.0开课了，新增视频会逐步增加。你有什么学习要求，可以提，我尽量把集中的问题，做成视频。

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mooc41620103417131285 发表于2020年04月23日

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挺好的哦

mooc41620103417131285 发表于2020年04月23日

余额宝不到2%，如何正确投资理财？

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