小市民投基]80后白领理财规划方案
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan" align=left><SPAN style="FONT-SIZE: 9pt; COLOR: #003366; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">转自<SPAN lang=EN-US>(</SPAN>天天基金网<SPAN lang=EN-US>)<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></SPAN></P><P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN>80</SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">后小白领的理财规划：<SPAN lang=EN-US>5</SPAN>年时间攒够购房首付</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; COLOR: #003366; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN>80</SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">后的小白领给人的印象大多衣食无忧，似乎吃住有父母、买房结婚靠父母。不过他们的内心深处，同样希望能够取得生活上的独立，财务上的独立，希望能够实现自己的旅游计划，希望能够凭借自己的力量买房，以获取工作的动力和成就感。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><B><SPAN style="FONT-SIZE: 12pt; COLOR: blue; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">【陶小姐的经济状况】</SPAN></B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN>23</SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">岁的陶小姐，去年大学毕业，家境很好。陶小姐<SPAN lang=EN-US>2006</SPAN>年<SPAN lang=EN-US>12</SPAN>月份到一家港资企业工作，目前税后月薪为<SPAN lang=EN-US>3500</SPAN>元左右。陶小姐现在住爸妈的房子，不用付房租，每月生活费及购买化妆品和衣服，大概花费<SPAN lang=EN-US>1700</SPAN>元。然后每个月取出<SPAN lang=EN-US>1000</SPAN>元定投<SPAN lang=EN-US>2</SPAN>只基金，每个月还结余约<SPAN lang=EN-US>800</SPAN>元，存在银行。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">陶小姐工作近一年，现在的资产包括股票值近<SPAN lang=EN-US>7000</SPAN>元，以及银行活期存款<SPAN lang=EN-US>5000</SPAN>元左右。同时刚刚找到了一份兼职工作，每月平均有<SPAN lang=EN-US>800</SPAN>－<SPAN lang=EN-US>1000</SPAN>元的固定收入。这样，除了基金定投外，每月还有<SPAN lang=EN-US>1600</SPAN>元左右的结余。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: blue; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN></B><B><SPAN style="FONT-SIZE: 12pt; COLOR: blue; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">【陶小姐的理财目标】</SPAN></B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">（一）<SPAN lang=EN-US>2</SPAN>到<SPAN lang=EN-US>3</SPAN>年后去西藏旅行一个月，准备资金<SPAN lang=EN-US>2</SPAN>万元<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">（二）<SPAN lang=EN-US>5</SPAN>年后能付得起一套小房子的首付大概<SPAN lang=EN-US>17</SPAN>万元<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">（三）保证每个月开支<SPAN lang=EN-US>1900</SPAN>元<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: blue; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN></B><B><SPAN style="FONT-SIZE: 12pt; COLOR: blue; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">【给陶小姐的理财建议】</SPAN></B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><B><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">投资基金和股票</SPAN></B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">今年以来<SPAN lang=EN-US>A</SPAN>股涨幅虽大，但是股票市场的风险也在不断加大，估计<SPAN lang=EN-US>2</SPAN>年后<SPAN lang=EN-US>A</SPAN>股市场基本到短期高点，因此建议陶小姐把现在手中持有的<SPAN lang=EN-US>7000</SPAN>元股票继续持有，到<SPAN lang=EN-US>2 </SPAN>年后抛出，股票清仓，作为去西藏旅游的<SPAN lang=EN-US>2</SPAN>万元资金的一部分。按照每年<SPAN lang=EN-US>30%</SPAN>左右的收益，估计两年后，现在市值<SPAN lang=EN-US>7000</SPAN>元的股票，到时候可以到<SPAN lang=EN-US>1</SPAN>万元到<SPAN lang=EN-US>1.2</SPAN>万元之间，可以算作<SPAN lang=EN-US>1.1</SPAN>万元。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">每个月的基金定投<SPAN lang=EN-US>1000</SPAN>元，可以相对分散风险，可以继续坚持定投，基金定投半年收益在<SPAN lang=EN-US>10%~15%</SPAN>之间，如果按照每月<SPAN lang=EN-US>1%</SPAN>的收益计算，<SPAN lang=EN-US>5</SPAN>年后可以达到<SPAN lang=EN-US>8.25</SPAN>万元。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><B><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">流动资金投资</SPAN></B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">为了达到完全独立的目标，那么应该预备月消费<SPAN lang=EN-US>5</SPAN>到<SPAN lang=EN-US>6</SPAN>倍的紧急准备金，以应付失业等不时之需，同时也为<SPAN lang=EN-US>2</SPAN>年后的旅游做流动资金。<SPAN lang=EN-US>1900×5 </SPAN>约<SPAN lang=EN-US>1</SPAN>万元作为紧急准备金。而现在还有<SPAN lang=EN-US>5000</SPAN>元的活期存款，因此再把<SPAN lang=EN-US>3</SPAN>个月的结余作为流动资金。这部分资金不能做高风险投资，可以购买货币型基金、债券、短期理财产品相结合，而又能随时可以取回，同时，收益也高于银行存款。按照<SPAN lang=EN-US>5%</SPAN>的年收益，两年后可以达到<SPAN lang=EN-US>1.1</SPAN>万元。加上两年后股票市值达到<SPAN lang=EN-US>1.1</SPAN>万元，共有<SPAN lang=EN-US>2.2</SPAN>万元，除去西藏旅游<SPAN lang=EN-US>2</SPAN>万元，还有<SPAN lang=EN-US>2000</SPAN>元，作为<SPAN lang=EN-US>2</SPAN>年后的紧急准备金的一部分。如果考虑到可以信用卡透支<SPAN lang=EN-US>5000</SPAN>元左右，则基本可以满足<SPAN lang=EN-US>2</SPAN>年后紧急准备金的储备。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">考虑到股票市场的风险加大，而市场上又没有更好的投资方式。<SPAN lang=EN-US>3</SPAN>个月后，每个月的<SPAN lang=EN-US>1300</SPAN>元结余可以继续购买定投基金，按照平均每月<SPAN lang=EN-US>1%</SPAN>的收益计算。<SPAN lang=EN-US>5</SPAN>年后可以达到<SPAN lang=EN-US>10.01</SPAN>万元。加上前面<SPAN lang=EN-US>8.25</SPAN>万元，达到<SPAN lang=EN-US>18.26</SPAN>万元，已经达到购置房产首付<SPAN lang=EN-US>17</SPAN>万元的要求。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN></B><B><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">购买保险</SPAN></B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">陶小姐目前身体无恙，但是为防万一，仍有必要在<SPAN lang=EN-US>5</SPAN>年内购买一定量的商业医疗保险。如果在工作后享有的医疗保险不足以应对意外的大病或住院治疗开支，那么每年应支出占工资年收入<SPAN lang=EN-US>8%</SPAN>，即<SPAN lang=EN-US>3360</SPAN>元左右保费购买商业医疗、意外险等保险，在剩余的每月<SPAN lang=EN-US>300</SPAN>元中可以支付这笔费用。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><B><SPAN style="FONT-SIZE: 12pt; COLOR: blue; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">【给陶小姐的理财贴士】</SPAN></B><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">投资总有风险，风险大小有所选择的投资品种的因素，也有政策变动、不可抗力等。陶小姐在基本实现其理财目标的同时，也要注意股市行情、工资增长、房产价格、国家宏观政策变化等因素。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt">同时，浦发银行的金融理财师表示，对年轻人来说，很多时候花钱缺少控制，关键是执行，比如基金定投产品直接和工资卡挂钩，工资一发就扣掉购买定投基金，可以逼迫自己按照合理的理财计划去执行。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; WORD-BREAK: break-all; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto" align=left><SPAN lang=EN-US style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体; mso-font-kerning: 0pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: "> </SPAN></o:p></SPAN></P> <p>看来陶小姐的股市和基金收益率不能达到预期了 呵呵</p><p>股市有风险 入市须谨慎</p> <font face="宋体">按照每年<span lang="EN-US">30%</span>左右的收益，估计两年后，现在市值<span lang="EN-US">7000</span>元的股票，到时候可以到<span lang="EN-US">1</span>万元到<span lang="EN-US">1.2</span>万元之间，可以算作<span lang="EN-US">1.1</span>万元。太理想化啦吧<span lang="EN-US"><p></p></span></font>
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