{"topic":{"id":15507,"title":"虚拟情景：如何让钱生钱？","slug":"topic","categoryId":4,"createdAt":"2026-02-01 11:58:29.954223","bumpedAt":"2026-02-18 06:58:52.94569","views":299,"postsCount":7,"highestPostNumber":7,"likeCount":6,"closed":false,"pinned":false,"pinnedGlobally":false,"pinnedAt":null,"pinnedUntil":null,"isBanner":false,"excerpt":"本贴仅为虚拟情景想象，不构成任何理财或投资建议！如有雷同，纯属巧合我们假设这样一个情景：某人长期关注投资市场，从房地产、邮币卡到虚拟货币、期货杠杆乃至近期的金银；但无论在何处都是散财童子，严重亏损。现在此人存款有限，希望同时做到以下几点：尽可能避免本金亏损（最多也就只能是抹个零）；收益最好能跑赢通胀；适合长期且风险承受能力较低的情况。如果是塬友的话：基于这种“求稳”的需求，有哪些方向或工具值得优先关注？在低本金的前提下…","deletedAt":null,"isAnonymous":false,"category":{"id":4,"name":"谈笑风生","slug":"general","color":"25AAE2"},"author":{"id":5905,"username":"PipaQinse233","name":"PipaQinse233","avatarUrl":"/uploads/image/f7/1b/f71bbda87a32de08df517fe7ee4a14e3f63bfd1b2105d3ddb8ba1f4c2eaa1c29.avif"},"tags":[]},"posts":[{"id":70956,"postNumber":1,"raw":"**本贴仅为虚拟情景想象，不构成任何理财或投资建议！如有雷同，纯属巧合**\n\n---\n\n我们假设这样一个情景：\n\n某人长期关注投资市场，从房地产、邮币卡到虚拟货币、期货杠杆乃至近期的金银；但无论在何处都是散财童子，严重亏损。\n\n现在此人存款有限，希望同时做到以下几点：\n1. 尽可能避免本金亏损（最多也就只能是抹个零）；\n2. 收益最好能跑赢通胀；\n3. 适合长期且风险承受能力较低的情况。\n\n如果是塬友的话：\n* 基于这种“求稳”的需求，有哪些方向或工具值得优先关注？\n* 在低本金的前提下，如何平衡安全性、流动性和收益？\n* 当前定期利率比通货膨胀率还低，这种情况下如何优化理财结构？\n\n---\n\n以上情景并不完全真实存在，现实中应该也不会有人惨到处处碰壁吧。总之欢迎塬友的讨论！","cooked":"

本贴仅为虚拟情景想象，不构成任何理财或投资建议！如有雷同，纯属巧合

我们假设这样一个情景：

某人长期关注投资市场，从房地产、邮币卡到虚拟货币、期货杠杆乃至近期的金银；但无论在何处都是散财童子，严重亏损。

现在此人存款有限，希望同时做到以下几点：

尽可能避免本金亏损（最多也就只能是抹个零）；
收益最好能跑赢通胀；
适合长期且风险承受能力较低的情况。

如果是塬友的话：

基于这种“求稳”的需求，有哪些方向或工具值得优先关注？
在低本金的前提下，如何平衡安全性、流动性和收益？
当前定期利率比通货膨胀率还低，这种情况下如何优化理财结构？

以上情景并不完全真实存在，现实中应该也不会有人惨到处处碰壁吧。总之欢迎塬友的讨论！

\n","createdAt":"2026-02-01 11:58:30.038441","updatedAt":"2026-02-01 11:58:30.038441","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":306,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5905,"username":"PipaQinse233","name":"PipaQinse233","avatarUrl":"/uploads/image/f7/1b/f71bbda87a32de08df517fe7ee4a14e3f63bfd1b2105d3ddb8ba1f4c2eaa1c29.avif","admin":false,"moderator":false,"signatureRaw":"[right]——發自我的手機[/right]","signatureCooked":"

——發自我的手機

"}},{"id":70957,"postNumber":2,"raw":"US Treasury","cooked":"

US Treasury

\n","createdAt":"2026-02-01 12:07:30.279693","updatedAt":"2026-02-01 12:07:30.279693","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":2,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":7180,"username":"djt","name":null,"avatarUrl":"/uploads/image/32/d5/32d58a244034a8a7770308cea4bb3fe3baa21efb19d4ac30eb73d144a15b7ca4.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":70960,"postNumber":3,"raw":"1 不可能。\n日常最多 1% 回撤的话可以看看《smart portfolios》的策略，里面有 60%+的债券","cooked":"

1 不可能。
\n日常最多 1% 回撤的话可以看看《smart portfolios》的策略，里面有 60%+的债券

\n","createdAt":"2026-02-01 13:47:11.562437","updatedAt":"2026-02-01 13:47:11.562437","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":31,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5905,"username":"PipaQinse233","name":"PipaQinse233"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":346,"username":"hoist","name":null,"avatarUrl":"/uploads/image/0d/cd/0dcdf69d213b6798002779ad4b729567cd4d889ee4a56c07a8c4454e8b563219.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":70961,"postNumber":4,"raw":"1 和 3 都是我看重的，2 不强求的话，我关注到的两位 up 主都是我觉得有帮助的，供参考：\n\n1 是 https://b23.tv/Wggkb06\n\n2 是 https://b23.tv/s8G7R5l","cooked":"

1 和 3 都是我看重的，2 不强求的话，我关注到的两位 up 主都是我觉得有帮助的，供参考：

1 是 https://b23.tv/Wggkb06

2 是 https://b23.tv/s8G7R5l

\n","createdAt":"2026-02-01 15:35:08.581003","updatedAt":"2026-02-01 15:35:38.68248","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":45,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5905,"username":"PipaQinse233","name":"PipaQinse233"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":7444,"username":"周末","name":"😀","avatarUrl":"/uploads/image/ee/4b/ee4bedb343782076342a731467b6dce60632d57d0ae06e97898e9b51bac354d3.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":70963,"postNumber":5,"raw":"存款有限且不能接受回撤还是有点几乎不可能了\n投资市场的确定性是不存在的没有风险就没有收益\n并且本金越少工具越少，更难以去用贴水套利或者用期权风险对冲\n\n所以严格满足的话只能考虑远期国债和少量银行股这种 cn 特色国债\n至少现在位置不高","cooked":"

存款有限且不能接受回撤还是有点几乎不可能了
\n投资市场的确定性是不存在的没有风险就没有收益
\n并且本金越少工具越少，更难以去用贴水套利或者用期权风险对冲

所以严格满足的话只能考虑远期国债和少量银行股这种 cn 特色国债
\n至少现在位置不高

\n","createdAt":"2026-02-01 15:47:11.460826","updatedAt":"2026-02-01 15:47:11.460826","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":109,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5905,"username":"PipaQinse233","name":"PipaQinse233"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":2877,"username":"Zerick","name":null,"avatarUrl":"/uploads/image/a7/a3/a7a3f86ac04b30a3177766813966fa48ce68b0e1cc009a8d274e34ab13a43ce9.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":70973,"postNumber":6,"raw":"保持对自己的诚实，清楚知道自己在做什么。\n如果有情绪上的波动（喜悦 or 恐惧 or 其他）说明现在的做法非常有可能是错误的。","cooked":"

保持对自己的诚实，清楚知道自己在做什么。
\n如果有情绪上的波动（喜悦 or 恐惧 or 其他）说明现在的做法非常有可能是错误的。

\n","createdAt":"2026-02-02 06:39:28.167674","updatedAt":"2026-02-02 07:13:03.407136","replyToPostNumber":null,"replyCount":0,"likeCount":2,"wordCount":56,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":2,"users":[{"id":2877,"username":"Zerick","name":null},{"id":5905,"username":"PipaQinse233","name":"PipaQinse233"}],"hasReacted":false}],"wiki":false,"version":2,"publicVersion":2,"deletedAt":null,"isAnonymous":false,"user":{"id":7639,"username":"Zethes","name":null,"avatarUrl":null,"admin":false,"moderator":false,"signatureRaw":"我虽然行过死荫的幽谷，也不怕遭害，因为你与我同在。\n诗篇 23:4","signatureCooked":"

我虽然行过死荫的幽谷，也不怕遭害，因为你与我同在。
\n诗篇 23:4

\n"}},{"id":71378,"postNumber":7,"raw":"[quote=\"PipaQinse233, post:1, topic:15507, username:PipaQinse233\"]\n适合长期且风险承受能力较低的情况\n[/quote]\n\n买纳斯达克和标普 :grinning_face_with_sweat:\n不过这俩我拿了快半年定投都没咋赚钱\n个人感觉理财的关键在于你要把这钱不当钱\n极度厌恶风险就定存\n心态要好\n目前准备单独买点特斯拉\n\n[quote=\"PipaQinse233, post:1, topic:15507, username:PipaQinse233\"]\n* 在低本金的前提下，如何平衡安全性、流动性和收益？\n[/quote]\n\n该用用，该花花\n\n[quote=\"PipaQinse233, post:1, topic:15507, username:PipaQinse233\"]\n* 当前定期利率比通货膨胀率还低，这种情况下如何优化理财结构？\n[/quote]\n\n反正钱不多，干脆不存钱了","cooked":"

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\tPipaQinse233:\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n
适合长期且风险承受能力较低的情况
\n

\n\t\t\t\t\t\t

买纳斯达克和标普 😅
\n不过这俩我拿了快半年定投都没咋赚钱
\n个人感觉理财的关键在于你要把这钱不当钱
\n极度厌恶风险就定存
\n心态要好
\n目前准备单独买点特斯拉

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\tPipaQinse233:\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n
\n
在低本金的前提下，如何平衡安全性、流动性和收益？
\n
\n

\n\t\t\t\t\t\t

该用用，该花花

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\tPipaQinse233:\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n
\n
当前定期利率比通货膨胀率还低，这种情况下如何优化理财结构？
\n
\n

\n\t\t\t\t\t\t

反正钱不多，干脆不存钱了

\n","createdAt":"2026-02-18 06:58:52.94569","updatedAt":"2026-02-18 06:59:52.819984","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":174,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5905,"username":"PipaQinse233","name":"PipaQinse233"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}}],"hasMore":false,"lastReadPostNumber":1,"hasUrlPostNumber":true}