2022年全球股市表現可謂低迷，許多少年股神出局，還剩靠會員費收入苦撐的作者/講師，不過綜觀整體歷程，似乎跌幅不大
(這樣就哭天喊地，代表你還太嫩)

市場下跌引發的原因很多，戰爭、通膨、商競、政治、資源分配、主權爭議等，為指數波動提供不少能量
或許可以解讀為短期修正，還是衰退的起源，唯一可以確定的是，別低估人類的愚蠢
也因此，金融業興起一股投資轉換風氣，不然就要斷炊了
這次的主題是「債劵」與「配息基金」，鎖定亂世求穩的投資人，尤其是中老年族群
身為高資產者，早已被視為標靶，或稱「尊榮客戶」
檢視自己的債劵基金報酬由正轉負，理專建議轉投資債劵或穩定配息基金
說真的，我不想轉換標的，反而想依計畫分期扣款，原因如后：
1.微笑曲線，機會難得。
2.轉換成本，銀行目標。
3.人多的地方，不要去。
雖然拒絕了(理專和保險業務員一樣，技能除了說理分析，還有情緒勒索)，不過基於科研精神，將之列表追蹤，藉此修正自己日後投資策略





The performance of the global stock market in 2022 can be said to be sluggish. Many young stock market players are out, and there are still authors/lecturers who rely on membership fee income. However, looking at the overall process, it seems that the decline is not severe.
(Crying like this time means you are still too tender.)
There are many reasons for the market decline: war, inflation, business competition, politics, resource allocation, sovereignty disputes, etc, which resulted in index fluctuations.
Perhaps it can be interpreted as a short-term correction, or the origin of a recession. But there is one thing for sure: do not underestimate human stupidity.
Thus, there is a trend of investment conversion in the financial industry; otherwise it will loose the money inflow.
The theme is "bonds" and "distribution funds", targeting investors who seek stability in troubled peroid, especially middle-aged and elderly people.
As a high-estate person, I have long been regarded as a target, or "honored customer".
Verify my own bond fund returns from positive to negative, and they recommend switching to bonds or stable dividend funds.
To be honest, I don't want to switch the investment, but would like to maintain the payment according to the plan, the reasons are as follows:
1. Smile curve, rare opportunity.
2. Switching costs, bank targets.
3. Don't go to crowded places.
Although I refused (the financial manager is the same as the insurance salesman, their skills are not only reasoning and analysis, but also emotional blackmail), but based on the spirit of scientific research, I will track it in a list, so as to correct my future investment strategy.

基金/債劵/現股投資效益比較分析, 要搞懂真的不是一兩天