<section ><span style="color: rgb(0, 0, 0)">现在，越来越多的人开</span><span style="color: rgb(0, 0, 0)">始关注</span><span style="color: rgb(255, 79, 121)">理财。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJENZSWeLBxaV0McWib8BA8Trr1YvNgCeWIkxfMRonGe8X8iaoVDgPaT4Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJENZSWeLBxaV0McWib8BA8Trr1YvNgCeWIkxfMRonGe8X8iaoVDgPaT4Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >然而，对于大多数普通人来说，<strong>投资理财似乎是一件既陌生又复杂的事情</strong>。很多理财小白觉得自己需要<span style="color: rgb(255, 79, 121)">投资型账户。</span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJ1ib5emvYlOzSvkGPqBXoy4YAe7T9zT4SQ2fZiblE0OBbJQv0dEEAzgUQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJ1ib5emvYlOzSvkGPqBXoy4YAe7T9zT4SQ2fZiblE0OBbJQv0dEEAzgUQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong><span >没学过专业知识、K线都看不明白就疯狂跟风，</span></strong><span >结果这几年咱们大A常常是<span style="color: rgb(255, 79, 121)">绿油油一片</span>，导致自己在基金市场损失严重，因此，更多人选择了最简单的方式——<strong>直接将钱存入余额宝</strong>，不懂投资，不追求收益，有个地方存钱就行。虽然这种方式方便快捷，但事实上，<span style="color: rgb(255, 79, 121)"><strong>余额宝收益一直在不断下滑！</strong></span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJzbpBGEFccGtvYrz4fLZotOZcnBslU7Qenc65NSvf5ghVbXBSwFOicjg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJzbpBGEFccGtvYrz4fLZotOZcnBslU7Qenc65NSvf5ghVbXBSwFOicjg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >这种理财方式的收益并不理想。换言之，<strong>你的钱在余额宝中躺着，正在失去其应有的价值。</strong></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJRwVtQeaPfkRJrUeNB45LNUYxddE3k4I4PNBwwRdPNGhygz0LSB8tsA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJRwVtQeaPfkRJrUeNB45LNUYxddE3k4I4PNBwwRdPNGhygz0LSB8tsA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >不会投资，却又渴望获得更高的收益，还需要安全稳定，其实有更优秀的另一种<span style="color: rgb(255, 79, 121)"><strong>懒人理财法</strong></span>。</span><o:p></o:p></section><section ><span >今天我就来打破这个信息茧房，操作不用动脑，收益轻松赶超存钱大佬。</span><span >只</span><span >需要分为两个部分，<span style="color: rgb(255, 79, 121)"><strong>短期理财</strong></span>和<span style="color: rgb(255, 79, 121)"><strong>中长期理财</strong></span>。</span><span >短期我们把钱放入<strong>银行活期存款或余额宝的活钱理财</strong>里~</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJibOKPSCXX42wibev7qWPrXvX4ug5XiaH5TZAtokAkItq3T6qKCCGicvmcQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJibOKPSCXX42wibev7qWPrXvX4ug5XiaH5TZAtokAkItq3T6qKCCGicvmcQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >虽然收益较低，但流动性和便利性是其优势，随取随用，满足日常开支。第二部分就是<strong><span style="color: rgb(255, 79, 121)">长期用不到的闲钱</span>，</strong>这笔钱的要诀是<strong>安全、长期稳定，任他市场利率再咋跌，再咋通货膨胀都不受影响</strong>，在支付宝也有卖，可以搜索：</span><strong><span style="color: rgb(255, 79, 121)">增额寿</span></strong><span >。这是一种长期理财工具，可以月交也可以年交，不需要操作，放进去的钱会按照接近<span style="color: rgb(255, 79, 121)"><strong>复利<span style="color: rgb(255, 79, 121)">3%</span></strong></span>不断增值，折算成单利，长期算下来，甚至能超过百分之五百分之六了，适合当作家庭资产准备金、养老金储备等等。我们的团队测评了市面上所有产品，发现<strong>支付宝上的呢只能属于第二梯队的产品</strong>。</span></section><section ><span >如果想在安全的同时收益再高一点，就需要寻找第一梯队的好产品，而市场上产品五花八门，也常常迭代升级，所以我们每个月都会整理出最新的产品对比。</span></section><section ><span ></span><span ></span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJGPIZ4ibQT9gVWHm50RtbFDSkYIUl8bsavaZJA1Y79a7iaiaOw44303X6A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJGPIZ4ibQT9gVWHm50RtbFDSkYIUl8bsavaZJA1Y79a7iaiaOw44303X6A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >哪款收益高，回血速度快，都看得清清楚楚，</span><span >比如一次交清的情况，</span></section><section ><span ></span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJXaevOxoX2qHEbibfQv8SOicHNd3b4r2Puft6rVqib1vs9zkXy0Z5s4MSw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJXaevOxoX2qHEbibfQv8SOicHNd3b4r2Puft6rVqib1vs9zkXy0Z5s4MSw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong><span >平安如意B款和金禧一生，</span></strong><span >这两款比较出类拔萃，持有<span style="color: rgb(255, 79, 121)">24年</span>，现金价值就能超过<span style="color: rgb(255, 79, 121)">2倍保费</span>。平安如意B款持有<span style="color: rgb(255, 79, 121)">10年</span>左右，复利就能到惊人的<span style="color: rgb(255, 79, 121)">2.9%</span></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJECEgvTItzHzH234SNczSvmvVD7SXZFI9XDUNgNQicXwQUres8ibib9LSw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJECEgvTItzHzH234SNczSvmvVD7SXZFI9XDUNgNQicXwQUres8ibib9LSw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >如果选择3年交，</span><strong><span >金禧一生</span></strong><span >是最为出众的产品，剩余产品地位和一次性交没太大变化。</span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXumiadhWvats0o6afp06iaicotJ5HfSpctv4br4bbV7tDo2zn9HPFBgLoZETSfUdcdophvnlVjDtFkVug%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXumiadhWvats0o6afp06iaicotJ5HfSpctv4br4bbV7tDo2zn9HPFBgLoZETSfUdcdophvnlVjDtFkVug/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >5年交结论和3年交时几乎一致</span><span >，就是平安如意B款表现更差了。<span style="color: rgb(255, 79, 121)">top3</span>成了：<strong>金禧一生＞增多多5号＞金满意足5号</strong>，还有经常买增额寿的老客户，相信<strong>金玉满堂</strong>系列已经耳熟能详，它可谓是知名ip，相比金禧一生，<span style="color: rgb(255, 79, 121)">优点是封闭期更短，前期现金价值表现较好。</span>想要知道自己最适合哪款产品，带上<strong>【年龄＋预算】</strong>我们免费给您做筛选，总之在理财过程中，我们要根据自己的实际情况和需求，选择合适的产品，实现财富的稳健增值。别再只会用余额宝啦，试试这个懒人方法，让你的钱袋子更鼓起来！</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXukQCOGewCNPKGcYguL9ibcHEIgHTRF8nZBjamWE9OkJnXv3ibgiblpJKTnAnqic65T9iaPZDJlbfx80mzg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXukQCOGewCNPKGcYguL9ibcHEIgHTRF8nZBjamWE9OkJnXv3ibgiblpJKTnAnqic65T9iaPZDJlbfx80mzg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >我是懂保爷Ellie，我和我的团队我一直在专注研究所有的增额寿产品，你有任何保险方面的问题，随时找我，希望能对你有帮助。</span></section><section style="color: rgb(0, 0, 0); text-align: center"><span style="color: rgb(255, 79, 121)"><strong ><span >任何时候，扫码可以找到我们~</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw%2F640%3Fwx_fmt%3Djpeg%26wx_%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw/640?wx_fmt=jpeg&wx_&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(136, 136, 136)">看一看保姑的其他文章：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span >【财富认知】</span></section><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247487593&idx=1&sn=58d182898613b5c1dc8a519ed2e417de&chksm=e889e308dffe6a1e3a6885a072d79c32b2533fde7bc7a59019fccb3f007d2517207574a7278e&scene=21#wechat_redirect" 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