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title_diff: "[{\"diffs\":[[1,\"2017做定投，你只需收藏这篇文章！\"]],\"start1\":0,\"start2\":0,\"length1\":0,\"length2\":18}]"
body_diff: "[{\"diffs\":[[1,\"<html>\\\r\\\n<head>\\\r\\\n  <title>2017做定投，你只需收藏这篇文章！</title>\\\r\\\n  <basefont face=\\\"微软雅黑\\\" size=\\\"2\\\" />\\\r\\\n  <meta http-equiv=\\\"Content-Type\\\" content=\\\"text/html;charset=utf-8\\\" />\\\r\\\n  <meta name=\\\"exporter-version\\\" content=\\\"YXBJ Windows/608924 (zh-CN, DDL); Windows/10.0.0 (Win64); EDAMVersion=V2;\\\"/>\\\r\\\n  <style>\\\r\\\n\\tbody, td {\\\r\\\n\\t  font-family: 微软雅黑;\\\r\\\n\\t  font-size: 12pt;\\\r\\\n\\t}\\\r\\\n  </style>\\\r\\\n</head>\\\r\\\n<body>\\\r\\\n<a name=\\\"12795\\\"></a>\\\r\\\n<h1>2017做定投，你只需收藏这篇文章！</h1>\\\r\\\n\\\r\\\n<div>\\\n<span><div style=\\\"margin:0px;\\\"><div style=\\\"padding:8px 0px;margin:8px auto;max-width:700px;\\\"><div style=\\\"margin:0;position:relative;padding:20px 15px 15px;background-color:#fff\\\"><div style=\\\"margin:0;padding:0\\\"><h2 style=\\\"margin:0;padding:0;margin-bottom:10px;font-weight:400;font-size:24px\\\">2017做定投，你只需收藏这篇文章！</h2><div style=\\\"margin:0;padding:0;margin-bottom:18px;font-size:0\\\"><em style=\\\"margin:0;padding:0;font-style:normal;display:inline-block;vertical-align:middle;margin-right:8px;margin-bottom:10px;font-size:16px;color:#8c8c8c\\\">2017-05-29</em><a href=\\\"http://mp.weixin.qq.com/s?__biz=MzA4NTQ4NjYxMA==&amp;mid=2651489152&amp;idx=3&amp;sn=37534acc20fd42dd652c2fd8ea2ba6b2&amp;chksm=84291efdb35e97eb3f5be3f0e92217ffa94086204f00d7d31670db42eee7e1536e8dbe7f1f1c&amp;mpshare=1&amp;scene=1&amp;srcid=0531MJDCZND1Bm9WF4KDo2VG#\\\" style=\\\"margin:0;padding:0;color:#607fa6;text-decoration:none;display:inline-block;vertical-align:middle;margin-right:8px;margin-bottom:10px;font-size:16px\\\">基金观察网</a></div><div style=\\\"margin:0;padding:0;overflow:hidden;color:#3e3e3e\\\"><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;white-space:normal\\\"><img src=\\\":/7b97009872ba48d8995c5ce128a600b6\\\" type=\\\"image/jpeg\\\" data-filename=\\\"640.jpg\\\" style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;height:auto !important;color:rgb(63,63,63);font-family:微软雅黑;font-size:15px;text-align:center;box-sizing:border-box !important;word-wrap:break-word !important;visibility:visible !important;width:auto !important;background-color:rgb(255,255,255)\\\" width=\\\"auto\\\"/><span style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;color:rgb(62,62,62);font-size:16px;background-color:rgb(255,255,255)\\\">来源：</span><span style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;color:rgb(62,62,62);font-family:微软雅黑;font-size:16px\\\">小景爱基金（love_fund）</span></p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;font-family:微软雅黑;font-size:16px\\\"><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">2017年已经过去一个礼拜，</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">如果A股还是不温不火，</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">如果资产荒还要继续，</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">你跨年定下的小目标，</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">要怎么实现呢？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">如果你曾许过这样一个愿望：</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">2017年，请对我好一点！</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">那么基金君已经听到了。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">史上最全、全网最劲的</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">基金定投攻略合辑就在这里！</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">2017年做定投，</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">你只需收藏这篇文章！</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">通过本文，我们会解决这些问题：</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">你为什么要做定投？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">定投真的能赚钱吗？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">定投为什么会亏钱？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">什么时候开始定投合适？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">定投和一次买入有什么区别？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">基金那么多，定投哪些比较好？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">做定投，你会遇到哪些幺蛾子？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">定投多久投一次？哪天扣款好？</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;white-space:normal;margin-bottom:20px\\\">提高定投收益的三个杀手锏</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><p style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:20px;white-space:normal\\\">上篇：你为什么要做定投？</p></div><ul style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;padding-left:30px;color:rgb(62,62,62);white-space:normal\\\"><li style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\"><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;margin-bottom:20px\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\">资产荒得蛋疼，不投不行！</strong></p></li><li style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\"><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;margin-bottom:20px\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\">前期投资套得乳酸，不投更不行！</strong></p></li></ul><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">无论是哪种情况，你都只能靠定投翻本。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">虽然我们总说，基金定投是一种生活方式，一种理财态度，但其实本质上我们是在说：市场不好，一次性买入风险太大了，不如长线钓鱼吧！基金定投就是这样的一条线，它让你傻傻买，聪明卖，即使第一次买入的时候在市场最高位，都可以不慌不忙把钱赚回来。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none;text-align:center\\\"><div style=\\\"padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border-style:solid;-webkit-border-image:url(http://mmbiz.qpic.cn/mmbiz/cZV2hRpuAPhrxQU1opLkENnCB9ArIxUwVakTFKSFBfcicunP3SFwsnzrcN4Yrt5BCXTqC7D5wKVNvOkYsfAF1ew/0?wx_fmt=png) 0 30 fill;border-width:0 30px;margin:10px auto;display:inline-block;padding-right:20px;padding-left:20px;font-size:20px;font-weight:bold\\\">定投真的能赚钱吗？</div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;white-space:normal\\\"><br style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\"/></p></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\">我们的结论是：六成以上的人，做定投是盈利的！！！</strong></p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">小编有一份自家客户的定投盈利报告。从2004年11月开始， 截止2016年5月底，在小景家做过基金定投的101万客户的定投情况显示：不考虑进、退场时间，不考虑定投时长，也不考虑定投金额和标的，这101万客户中61%的人盈利，39%的人亏损。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><p style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:20px;white-space:normal\\\">定投为什么会亏钱？</p></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">巴菲特说投资就像滚雪球，最重要的是发现很湿的雪和很长的坡。基金定投也是，如果不能找到好的标的、持之以恒的投资，你还是有可能亏钱。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">比如：定投时间太短，未见成效就放弃定投，你会亏钱；</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">比如：任性断供，错失低吸良机，你也会亏钱。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><p style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:20px;white-space:normal\\\">中篇：什么时候开始定投合适？</p></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">如果你想做定投，你可以在任何点位入场，无需在意市场处于3000点还是6000点。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">测算数据显示，截止2015年12月31日（迎合处女座以完整年份为截止的要求；当天上证指数3500点左右），无论你在6124点、3800点还是1664点中的哪一个点位开始进场定投，7-8年之后，定投总收益均接近或者超过100%，定投年化收益率在12%-14%之间。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><p style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:20px;white-space:normal\\\">定投和一次买入有什么区别？</p></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">基金定投和一次性投资有很大的不同，而且各有各的优势和特点。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">如果你有一大笔钱，又对自己的投资技术很有信心，那完全可以选择一次性投资；如果你暂时没有单笔投资的本金，则可以选择基金定投，积少成多，聚沙成塔，定投自己和家庭的未来。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">因此，纠结定投好还是一次性投资好，是没有意义的。还不如好好分析一下自己的财务状况，树立好理财目标，选择一种适合自己的投资方式。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><p style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:20px;white-space:normal\\\">基金那么多，定投哪些比较好？</p></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">基金定投的优势之一，就是摊低成本，熨平波动，因此选择波动越大的基金，如主动股票型、指数型或者偏股型混合基金，才越能发挥“逢高减筹逢低加码”的优势。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><p style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:20px;white-space:normal\\\"> 做定投，你会遇到哪些幺蛾子？</p></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">在定投开始后，市场有可能出现这些幺蛾子：单边下跌、震荡整理、单边上扬等……这时你的账户有可能会亏损，或者涨得很慢，或者还没买多少呢，市场就狂涨了。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">所以这时候，你只能遵守定投纪律，在下跌市不恐惧，在上涨市不放弃，才能让定投的微笑曲线更美好。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\">定投多久投一次？哪天扣款好？</strong></p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">其实，定投不是一个头脑发热的动作，而是一个科学的理财手段。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">的<span style=\\\"line-height: 1.45;\\\">定投应该匹配长期</span><span style=\\\"line-height: 1.45;\\\">理财目标，特别是要考虑个人经济财务状况。首先，定投计划最基本的原则应该不能影响正常的社交及生活，也就是说不能影响生活质量，必须先确保日常支出和长期备用资金不受影响，每月剩下的闲置资金再投入定投计划。</span></p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">同时，我们也发现，定投频率对盈利概率、平均收益的影响微乎其微，不同频率的定投盈利概率相差不超过3%，平均收益率相差不超过2%。因此踏踏实实的月投，是不错的选择。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;text-align:center\\\"><div style=\\\"padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border-style:solid;-webkit-border-image:url(http://mmbiz.qpic.cn/mmbiz/cZV2hRpuAPhrxQU1opLkENnCB9ArIxUwVakTFKSFBfcicunP3SFwsnzrcN4Yrt5BCXTqC7D5wKVNvOkYsfAF1ew/0?wx_fmt=png) 0 30 fill;border-width:0 30px;margin:10px auto;display:inline-block;padding-right:20px;padding-left:20px;font-size:20px;font-weight:bold\\\">下篇：提高定投收益的三个杀手锏</div></div></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;margin-bottom:10px;white-space:normal\\\"><br style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\"/></p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><div style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:10px\\\">定期不定额定投</div></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">定期不定额定投是指每个月固定时间投入一笔不固定金额的基金投资方式。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">历史测算显示，定期不定额的投资回报率优于定期定额回报率。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">定投的核心原理是在波动的市场中，通过定额投资，投入的金额将在低价位买入较多的份额，高价位则会买入较少的份额。不定额定投就是在这个基础上，通过人为将波动变大，加大力度，在低价位买入更多的份额，高价位买入更少的份额。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><div style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:10px\\\">PE定投法</div></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:center;margin-bottom:10px;white-space:normal\\\"><br style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important\\\"/></p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">上面我们说到可以用不定额定投提高定投收益率，但我们又要根据什么指标来加码或者减码每一次的定投金额呢？这就需要了解</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><div style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:10px\\\">市盈率（PE）</div></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">PE定投法原理：根据历史市场市盈率的变动区间，判断目前市场PE是相对高估还是低估，在市场高估时减少定投金额，在市场低估时提高定投金额，从而将筹码更多地聚集在低估值区域，在长期投资的过程获得更高的收益。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">在小编测算的时间段中，“PE法”不定额定投累积的收益率始终比普通定额定投高，从胜率来看，胜率达到100%，这在一定程度上证明长期下来，“PE法”定投的收益率大概率高于普通定额定投的收益率。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><div style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border-left-width:5px;border-left-style:solid;border-left-color:rgb(102,103,101);font-weight:bold;color:rgb(102,102,102);padding:5px 10px;margin-top:10px;margin-bottom:10px\\\">定投的止盈</div></div><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">我们常常说，基金定投是“懒人投资神器”，但并不是说选好了基金、设定了扣款日期和定投金额以后就可以当甩手掌柜。我们勤勤恳恳、孜孜不倦地买入，最终还是为了盈利卖出。所以，定投的止盈hin重要！</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">我们要切记：基金定投不必强求卖在最高点；基金定投可以一次性卖出，也可以分批卖出。</p><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;white-space:normal;margin-bottom:20px\\\">基金君话不多说，希望努力敲出来的定投合辑能帮到你，希望2018年来的时候，我们可以不用许下“请对我好一点”这样虚无缥缈的愿望，而是默默打开基金账户，理直气壮地投起来。</p><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;border:0 none\\\"><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;-webkit-border-image:url(http://mmbiz.qpic.cn/mmbiz/cZV2hRpuAPj4icU1K0SsnqwwWkUicM7Z5ibR02OD4iaiaNkxfNib6bnTbDOg90ZFoj6SuCeMEsZXicwlelicibFweMqq9Nw/0?wx_fmt=png) 25 65 30 25 fill;border-style:solid;border-width:16px 46px 20px 16px;min-height:135px;width:100%;margin-right:auto;margin-left:auto\\\"><div style=\\\"margin:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;padding:15px\\\"><p style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;white-space:normal\\\">总结：<span style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;\\\">文章很长，数据很多，看着很烧脑，但谁说一个亿的小目标不是这样痛并快乐着实现的呢？</span></p></div></div></div></div><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;margin-top:5px;white-space:normal;min-height:1em;color:rgb(62,62,62);font-family:微软雅黑;text-align:center;font-size:14px;box-sizing:border-box !important;word-wrap:break-word !important;background-color:rgb(255,255,255)\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;font-size:16px;box-sizing:border-box !important;word-wrap:break-word !important\\\">—END—</strong></p><div style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;white-space:normal;color:rgb(62,62,62);font-family:微软雅黑;text-align:center;font-size:14px;box-sizing:border-box !important;word-wrap:break-word !important;background-color:rgb(255,255,255)\\\"><blockquote style=\\\"padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;padding-left:10px;border-left:3px solid #dbdbdb;margin:0.2em;padding-top:10px;padding-right:10px;padding-bottom:10px;border-top-width:3px;border-right-width:3px;border-bottom-width:3px;border-top-style:solid;border-right-style:solid;border-bottom-style:solid;border-color:rgb(201,201,201);box-shadow:rgb(170,170,170) 0 0 10px;box-sizing:border-box !important;word-wrap:break-word !important\\\"><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;word-wrap:break-word !important;clear:both;min-height:1em;text-align:justify;box-sizing:border-box !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;font-size:16px;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;color:rgb(127,127,127);font-size:14px;box-sizing:border-box !important;word-wrap:break-word !important\\\">版权声明：“基金观察网”所推送文章，使用图片，我们都会注明作者和来源。若涉及版权问题，烦请原作者第一时间联系我们，【值班编辑：刘立青<span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\">（ID：bestgupiao）</span></span><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;color:rgb(127,127,127);font-size:14px;box-sizing:border-box !important;word-wrap:break-word !important\\\">】，与您共同协商解决，谢谢！投诉反馈邮箱：1736346798@qq.com</span></span></p></blockquote></div><div style=\\\"margin:0;padding:0;max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;color:rgb(62,62,62);font-size:16px;white-space:normal;widows:auto;font-family:微软雅黑;border:0 none;word-wrap:break-word !important;background-color:rgb(255,255,255)\\\"><div style=\\\"max-width:100% !important;box-sizing:border-box !important;-webkit-box-sizing:border-box !important;margin:3px auto;padding:15px;box-shadow:rgb(170,170,170) 0 0 3px;border:2px solid rgb(240,240,240);word-wrap:break-word !important\\\"><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;min-height:1em;text-align:center;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;font-family:微软雅黑,sans-serif;color:rgb(255,41,65);box-sizing:border-box !important;word-wrap:break-word !important\\\">又一金融骗局开始疯狂圈钱，这样借钱套路太深！</span></strong></span></p><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;min-height:1em;box-sizing:border-box !important;word-wrap:break-word !important\\\"><br style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\"/></p>\\\n最近，网络上出现了一个新鲜词：“套路贷”。<span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\">这种诈骗活动，在不少城市都存在，</span><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\">遭遇“套路贷”的借款人面对放贷人从最初的极尽哄骗的放贷到充满暴力胁迫的讨债，到最后的倾家荡产、家破人亡，他们也很难求助于法律。</span><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\">关注</span><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;white-space:pre-wrap;color:rgb(63,63,63);font-size:15px;box-sizing:border-box !important;word-wrap:break-word !important\\\">“</span><strong style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;font-family:微软雅黑,sans-serif;color:rgb(255,41,65);box-sizing:border-box !important;word-wrap:break-word !important\\\">多多说钱</span></strong><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;white-space:pre-wrap;color:rgb(63,63,63);font-size:15px;box-sizing:border-box !important;word-wrap:break-word !important\\\">”，</span></span>多多为你揭开这种穷凶极恶的“套路贷”到底是怎么运作的？教你提升安全意识，弄清其中暗藏的杀机。\\\n<p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;margin-top:15px;min-height:1em;text-align:center;box-sizing:border-box !important;word-wrap:break-word !important\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;font-size:20px;box-sizing:border-box !important;word-wrap:break-word !important\\\">多多说钱</span></strong></p><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;min-height:1em;text-align:center;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;font-size:18px;color:rgb(255,0,0);box-sizing:border-box !important;word-wrap:break-word !important\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\">ddimoney</strong></span></p><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;min-height:1em;text-align:center;box-sizing:border-box !important;word-wrap:break-word !important\\\"><img src=\\\":/17b53e2a651741508eddb4777883b07f\\\" type=\\\"image/jpeg\\\" data-filename=\\\"640.jpg\\\" style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;height:auto !important;box-sizing:border-box !important;word-wrap:break-word !important;visibility:visible !important;width:auto !important\\\" width=\\\"auto\\\"/></p><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;min-height:1em;text-align:center;box-sizing:border-box !important;word-wrap:break-word !important\\\"><span style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;color:rgb(255,0,0);box-sizing:border-box !important;word-wrap:break-word !important\\\"><strong style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;box-sizing:border-box !important;word-wrap:break-word !important\\\">长按二维码识别关注</strong></span></p></div></div><p style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;clear:both;font-size:16px;white-space:normal;min-height:1em;color:rgb(62,62,62);font-family:微软雅黑;box-sizing:border-box !important;word-wrap:break-word !important;background-color:rgb(255,255,255)\\\"><img src=\\\":/ac12007799d6457ab27e347133c794a2\\\" type=\\\"image/jpeg\\\" data-filename=\\\"640.jpg\\\" style=\\\"margin:0;padding:0;max-width:100% !important;-webkit-box-sizing:border-box !important;height:auto !important;text-align:justify;font-size:15px;letter-spacing:1px;box-sizing:border-box !important;word-wrap:break-word !important;visibility:visible !important;width:auto !important\\\" width=\\\"auto\\\"/></p></div></div></div></div></div></span>\\\n</div></body></html>\\u0000\"]],\"start1\":0,\"start2\":0,\"length1\":0,\"length2\":37547}]"
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updated_time: 2025-11-28T16:12:23.281Z
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