吾保说
吾保叔数学硕士🎓前外资险企技术岗 一个把产品玩出花的硬核男人👨🏻 保证内容原创，设计才华横溢🤩 你能遇到的全网🔝宝藏保险博主‼️ 帮你解决一切保险难题😎
| Publishes | Twice weekly | Episodes | 6 | Founded | 6 months ago |
|---|---|---|---|---|---|
| Language |  ZH-CN | Category | Business | ||
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Latest Episodes
一位高净值客户对美股估值过高及科技股泡沫表示担忧，希望找到一种既能参与美股长期回报，又能规避大幅回撤风险的投资方式。文章提出以晨星公司工程化后的“经济护城河”理论为基础，通过构建宽护城河指数，系统性筛选具备持久竞争优势的公司，并采取逆周期策略，从而提供一个比传统标普500或纳斯达克100更具风险管理考量的替代方案，适合寻求长期稳健收益的投资者。
高净值客户的投资困境与需求
• 客户担忧美股估值过高和科技股泡沫，不愿在高位“赌国运”，且时间成本有限，难以承受深度回撤。
• 现有“全球配... more
本文围绕康德拉季耶夫的“康波周期”理论，探讨了经济的波动性、技术创新与产业革命对经济周期的影响，并针对当前中国经济所处的阶段提出了两种截然不同的预判。文章结合历史经验、周金涛的预测以及新技术的可能影响，分析了当前是面临漫长寒冬还是即将迎来复苏，并给出了相应的投资策略建议。
康波周期理论及其规律
• 理论核心: 由苏联经济学家尼古拉·康德拉季耶夫提出，认为经济是一种波动性存在，波动源于技术创新和产业革命。
• 周期特征: 大致为50到60年，包含回升、繁荣、衰退、萧条四个阶段。
•... more
本文探讨了财富管理领域中存在的“阶层割裂”现象。作者通过一位中产女性的真实经历，揭示了中产阶级在房贷压力和就业不确定性下，对投资安全性的极度看重，及其与财富专家建议之间的落差。文章进一步分析了市场中如何通过制造恐惧和认知规训，将高净值人群也引导至特定、高佣金的金融产品，从而质疑当前主流资产配置理论的普适性和真实目的。
中产阶级的投资困境与安全需求
• 一位供完3.5%增额寿保单的中产女性提出质疑，认为财富专家脱离中产现实，无法共情。
• 中产家庭面临房贷（2.6%公积金贷）、仅剩30... more
一位金融咨询师分享了其工作中遇到的典型案例：一位客户声称寻求资产配置建议，但对各种全球化投资方案如ETF、离岸信托等均表现出不信任和拒绝，最终透露其真实目的是希望咨询师肯定他已购买的香港分红险。这揭示了多数投资者并非寻求客观答案，而是渴望对自己既有选择获得专业人士的“确认感”，尤其在养老等追求确定性的场景下，情绪价值往往超越产品本身的复杂性。
客户咨询中的认知偏差
• 客户以“非常认同境内外资产 50:50，不押注单一市场”的理念开场，却拒绝深入了解或接受多元配置建议。
• 客户要求... more
本文深入探讨了分红险所宣称的“稳定收益”背后的运作机制，揭示了其并非源于保险资管的魔法能力，而是通过资产配置与会计技巧实现的平滑效果。作者通过模拟投资组合和历史回测，阐明了这种稳定性的代价是牺牲了部分潜在收益，并进一步指出分红险核心的“特别储备账户”存在对投保人不公平的问题。尽管分红险具有情绪价值，能帮助普通人应对市场波动，但追求透明和自主的投资者应考虑构建个人专属的平滑系统。
1. 分红险的迷思与市场吸引力
客户（特别是缺乏市场经验者）普遍迷恋“稳定收益”，认为分红险能提供6%-7%的保证... more
四周年，新征程整期内容的主旨很明确：我们未来的业务重心，会更聚焦在全球配置。然而万万没想到，文章发表以后咨询保险的反而更多了。很多客户反馈说最好不要放弃保险业务，因为她们只敢买保本的东西。但更让我惊讶的是一条读者留言：
“你好，我刚毕业1年多，手里有10万存款，想买10万3年交的分红增额寿”
我愣了至少有五秒。最后没分配给业务员，选择自己来接她的咨询。
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吾保说 launched 6 months ago and published 6 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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