High Income DIY Portfolios: The primary goal of "High Income DIY Portfolios" Marketplace service is high income with low risk and preservation of capital. It provides DIY investors with vital information and portfolio/asset allocation strategies to help create stable, long-term passive income with sustainable yields. The portfolios are designed for Income-Investors (including retirees or near-retirees). We provide seven portfolios: 3 buy-and-hold, 3 Rotational portfolios, and 3-Bucket NPP Model Portfolio. T ...

2025年以来，资本市场深化投融资改革持续释放活力，低利率环境下居民财富管理需求加速从"储蓄主 导"向"资产配置"转型，ETF、"固收+"等低门槛、高透明、配置化产品成大众投资新趋势。同时，监管 部门以"严监严管"筑牢行业合规底线，并推动行业从"重规模"向"重回报"转变，树牢"以投资者为本"理 念。 在此背景下，南方都市报社、湾财社近日启动第14届金融行业年度评鉴。本届评鉴以"创新服务惠大 众・金融赋能启新程"为主题，并首次增设"新财富新投资先锋案例"征集，聚焦2025年资本市场各类机 构的普惠金融创新实践，通过五大维度挖掘行业标杆，推广先进经验，推动金融机构真正惠及大众、赋 能实体经济高质量发展。 本届评鉴启动以来，多家证券、基金、理财机构踊跃参与，经过多轮专业评审，最终12个"新财富新投 资先锋案例"脱颖而出。评审结果将在12月23日举办的主题活动上正式发布。 5大普惠维度树立年度"新财富新投资先锋"标尺 本届"新财富新投资先锋案例"评审紧扣行业发展趋势与政策导向，结合证券、基金、理财三类机构业务 特性，构建了"产品普惠创新、服务模式升级、数字科技赋能、实体精准滴灌、价值生态守护"五大维度 的专业化评价框 ...

Perhaps you have built up more than enough savings to support your retirement and wish to pass on some of your assets to future generations. Multigenerational goals will require a different outlook. In this case, maintaining a more aggressive, equity-oriented asset allocation could make sense since the time horizon will extend beyond your retirement period into the next generation(s). (And if you need help setting financial goals, like retiring by a certain age, a financial advisor can help .)If you feel th ...

Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.Sensor Unlimited is an economist by training with a PhD, with a focus on financial economics. She is a quantitative modeler and for the past decade she has been covering the mortgage market, commercial market, and the banking industry. She writes about asset allocation and ETFs, particularly those related to the overall market, bonds, banking and financial secto ...

Why hire a financial advisor who will take around 1% percent of your assets per year when you can get a certificate of deposit (CD) at over 5% with no fee? That alone amounts to a 6% return on your money. One can get a brokerage CD for two years at 5.5%, and with no fee, the return is 6.5%. I will take that any day instead of worrying about what the market is doing and can sleep at night. That’s especially true as a retired person who is not dollar-cost averaging anymore. Prove me wrong. -Chris While, at ...

Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.Sensor Unlimited is an economist by training with a PhD, with a focus on financial economics. She is a quantitative modeler and for the past decade she has been covering the mortgage market, commercial market, and the banking industry. She writes about asset allocation and ETFs, particularly those related to the overall market, bonds, banking and financial secto ...

分析师背景与研究方法 - 分析师Sensor Unlimited拥有金融经济学博士学位，是一名定量模型构建者，过去十年专注于抵押贷款市场、商业市场和银行业研究 [2] - 其研究领域涵盖资产配置和交易所交易基金，特别是与整体市场、债券、银行及金融板块、住房市场相关的ETF [2] - 其主导的投资研究小组“Envision Early Retirement”通过动态资产配置，提供经过验证的解决方案，旨在实现高收入和高增长，同时隔离风险 [2] 服务内容与产品特性 - 提供两个模型投资组合：一个用于短期生存/提取资金，另一个用于积极的长期增长 [2] - 服务特性包括：通过聊天直接沟通讨论投资想法、每月更新所有持仓信息、税务讨论以及应要求提供个股代码分析 [2]

Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.Sensor Unlimited is an economist by training with a PhD, with a focus on financial economics. She is a quantitative modeler and for the past decade she has been covering the mortgage market, commercial market, and the banking industry. She writes about asset allocation and ETFs, particularly those related to the overall market, bonds, banking and financial secto ...

DB : We offer a wide variety of investment products. Everything from your typical asset allocation models that range from conservative to aggressive to managed equity models, where clients buy individual stocks based on models that one of my investment managers manages. They include everything from large cap growth to dividend growth and value. We have an alternatives sleeve, where I include our managed futures product, which is a product that’s designed to provide crisis alpha. It’s a trend-following produ ...

核心观点 - 谷歌股票近期因AI产品发布及反垄断进展等重大新闻重回市场焦点 股价接近2025年高点 市场核心辩论在于其强劲上涨后的估值是否已充分反映其增长动能 以及未来AI货币化和利润率改善是否还能带来上行空间[2] - 分析认为 鉴于公司强劲的运营表现和财务健康状况 无需过度担忧 其高估值是合理的 股票定价公允[3] 公司业务与市场地位 - 公司为市值3.9万亿美元的Alphabet 提供包括广告、Android、Chrome、Gmail、地图、YouTube、云计算和健康科技在内的广泛数字产品与服务[4] - 公司在搜索领域持续占据主导地位 并积极扩张云业务和推进AI创新[2] 财务表现与增长 - 过去3年 公司收入年均增长率为11.0%[7] - 过去12个月 收入从3400亿美元增长13%至3850亿美元[7] - 最新季度收入同比增长15.9% 从880亿美元增至1020亿美元[7] - 过去12个月 运营收入为1240亿美元 运营利润率为32.2%[8] - 过去12个月 运营现金流为1510亿美元 现金流利润率为39.3%[8] - 过去12个月 净利润约为1240亿美元 净利润率约为32.2%[8] 估值与市场比较 - 公司估值较高[5] - 增长状况健康[5] - 盈利能力非常强劲[5] 财务健康状况 - 财务稳定性表现非常强劲[6] - 最新季度末 总债务为340亿美元 当前市值为3.9万亿美元 债务权益比仅为1.1%[10] - 现金及现金等价物为980亿美元 总资产为5360亿美元 现金资产比为18.4%[10] 经济衰退期的股价韧性 - 公司在经济衰退期间受到的影响略好于标普500指数 评估基于股价下跌幅度和恢复速度[9] - 2022年通胀冲击期间 股价从2021年11月18日高点149.84美元下跌44.3%至2022年11月3日83.43美元 同期标普500指数峰谷跌幅为25.4% 股价于2024年1月25日完全恢复至危机前高点 随后在2025年11月25日攀升至323.44美元高点 当前价格为320.21美元[11] - 2020年新冠疫情期间 股价从2020年2月19日高点76.24美元下跌30.9%至2020年3月23日52.71美元 同期标普500指数峰谷跌幅为33.9% 股价于2020年7月10日完全恢复至危机前高点[11] - 2008年全球金融危机期间 股价从2007年11月6日高点18.54美元下跌65.3%至2008年11月24日6.44美元 同期标普500指数峰谷跌幅为56.8% 股价于2012年9月24日完全恢复至危机前高点[11]