这是一档银行人的财经播客，在这里我们谈论投资的广度，追寻生活的温度，坚持长期的态度，让我们一起慢慢变富~
世俗定义，大可不必！
Podcast Overview
这是一档银行人的财经播客，在这里我们谈论投资的广度，追寻生活的温度，坚持长期的态度，让我们一起慢慢变富~ 世俗定义，大可不必！
Language
🇨🇳
Publishing Since
2/1/2023
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Recent Episodes
May 10, 2026
Vol.115 60万费用vs5000起薪？留学这笔投资，到底值不值
<p>今天要聊一聊人力资本投资——留学。当前留学的成本、面对的竞争压力和就业环境都发生了急剧变化，再用的以前的眼光看待留学这件事，就容易陷入理想与现实的差距，所以我们今天就用理性的思维，来算清楚留学这笔账；也看一看在学历贬值的当前，该如何破局；当然更重要的是——我们会再开一轮坦白局，看看里面藏了多少我们外行人看不懂的套路。</p><p> </p><p>本期嘉宾：BOB</p><p>如需加入听友群，请加小助理微信：luse545015</p><p> </p><p>Part 1 留学价值大辩论：投入百万，回报几何？<br><a class="timestamp">03:25</a> 惊人数据：QS前100大学费用中位数达110-120万！<br><a class="timestamp">06:30</a> 光环褪去？海归与国内硕士起薪差距仅30%，招聘更看本科出身！<br><a class="timestamp">11:20</a> 非传统留学地，QS前50本科仅需四五十万，65%高考分即可<br><br>Part 2 行业深水区：中介、背景提升与「保录」黑幕</p><p><a class="timestamp">15:00</a> 揭秘邪修项目，非常规申名校路径<br><a class="timestamp">17:22</a> 背景提升的真相：大部分都是安慰剂，真正有用的只有这两种</p><p><a class="timestamp">27:45</a> 行业揭秘：27万中介内卷，利润核心靠学校返佣，中国人扎堆的学校真相竟然是这样<br><a class="timestamp">33:20</a> 信息失真接力赛：七人群聊搞定项目，过程堪比「你画我猜」！<br><a class="timestamp">37:46</a> 中介真正的价值只有一项——流程管控<br><a class="timestamp">42:49</a> 花钱保录取？别被“关系”忽悠了！<br><br>Part 3 回归投资：教育的收益成本帐我们该如何衡量？</p><p><a class="timestamp">48:51</a> 算账：国内升学成本飙升，留学性价比重新评估<br><a class="timestamp">57:00</a> 长期回报＞起薪，留学买的是机会</p><p><a class="timestamp">63:03</a> 学习也有捷径？封闭培训五周，高考数学成绩从60分飙升至137分<br><a class="timestamp">66:26</a> 留学择业要顺应潮流，找到未来30年的发展点</p><p> </p><p> </p><p><br></p>
April 19, 2026
Vol.114 银行人坦白局：高端游、肖像摄影、玄学…那些你不知道的银行套路
<p>作为大家身边的银行人，这期节目我们想聊聊很多银行人心照不宣、却很少对外明说的事，也就是：银行里那些披着 “福利” 外衣的营销套路。</p><p>欢迎加入听友群一起交流，进群请加小助理微信:luse545015</p><p><strong>04：22 第一部分：银行那些营销新套路</strong></p><p>套路一：旅游+玄学=卖保险</p><p>套路二：肖像照摄影活动是自费还是买产品？</p><p>套路三：卖黄金靠摆阵？</p><p><strong>25：58 第二部分：为什么越来越难在银行买到好产品？</strong></p><p>银行主营业务受困</p><p>银行产品同质化</p><p>非金融服务内卷严重</p><p><strong>40：44 第三部分：如何避免在银行踩坑？</strong></p><p><strong>守住道心，先问自己3个问题：</strong>这个产品解决的是什么需求？我这笔钱能放多久？最坏的情况我能接受吗？</p><p><strong>看懂产品的关键点：</strong>看产品类型、看预期收益的表达、看费用/退出机制。</p><p><strong>记住三不原则：</strong>不买自己听不懂的产品、不买风险说不清楚的产品、不买“不买就没了”的产品。</p><p><strong>怎么跟客户经理打交道：</strong>把客户经理当成一个付费顾问，你来向他"买答案"；保持长期关系，别只"用完就走"。</p>
April 7, 2026
Vol.113 不预测，只应对：穿越四季的全天候策略
<p>在全球资产大类资产动荡的今天，我们想给大家带来一期稳稳的幸福策略——全天候策略，美伊冲突以来，川普每天都在“造牌”，时时刻刻在“TACO”，全网都说他在画线，更有网友们调侃，美伊冲突的导弹精准落在A股上，3月以来，全球资产波动率齐声，我们的钱好像越来越无处安放了。</p><p>这期节目我们将聊回策略， 和大家分享全天候的底层策略，让全天候带我们陪伴我们走过市场的“春夏秋冬”，那就一起来体验吧~</p><p>如需加入听友群，请加小助理微信：luse545015</p><p>00:19 各类资产大幅调整，大家过得一点都不“幸福”，我只想要稳稳的幸福——全天候策略；</p><p>03:06 川普的TACO</p><figure><img src="https://image.xyzcdn.net/FmKk3H9JK6iarI6dV8TanIbCg7Ub.png"/></figure><p>04:22 存款搬家进行时， 存款搬家≠资金活化。居民把存款转向了理财/保险，但理财机构拿着钱再次存回银行（买同业存单/债券），钱在金融体系内空转，没有流向消费和实业；</p><p>06:28 美股的桥水代码（ALLW），中国各家银行、券商类似的多资产多策略指数；</p><figure><img src="https://image.xyzcdn.net/FuD79AT3fgqgk5Yeq7dif9Q0_ZMP.png"/></figure><p>09:17 全天候特别能打，一起来见证业绩；</p><figure><img src="https://image.xyzcdn.net/FuEsXpECBQXUldpqxSS97Eq1yzQk.png"/></figure><p>12:12 全天候的来时路，一句很老的老话来总结：失败是成功之母。</p><p>21:58 牛马版全天候，大家自行体会，亮哥是“魔鬼”</p><figure><img src="https://image.xyzcdn.net/Fh11lC-eMc2FSrDUXP6q4W2o9IhY.png"/></figure><p>23:15 全天候策略的底层逻辑是什么？</p><p>26:01 风险平价，不同资产的收益率与波动率</p><figure><img src="https://image.xyzcdn.net/FvZZ_85qO7f3t3OW1uOZ6md2oqcp.png"/></figure><p>32:12 为什么全天候能一直赚钱？四季适合的资产分别是什么？</p><figure><img src="https://image.xyzcdn.net/FsUIIvFlM5zdODszY7-dtYorCao3.png"/></figure><p>38:03 全天候的“失效时刻”，面对流动性危机同样束手无策</p><p>43:27 全天候在资产配置中的角色，如果当策略，自己资产可以按照这个比例配置，如果当产品，看收益和波动；</p><p>44:41 可以在大跌时候买，特别是流动性危机爆发修复后；</p><p>47:55 购买全天候策略的避坑指南，一是找有经验的非利益相关的专业人士；二是问问AI，三是和真的全天候（ALLW）对比；</p>
151 total episodes available
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