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    家庭的長期確定性需求是什么?

    是子女成長無憂、家人生活無憂,

    是晚年幸福養老、財產有效傳承。

    這需要資產安全穩健、持續積累,

    以確保目標的實現。

    克服短周期波動,避免灰犀牛影響,

    不是盲目堅持,而需及時糾偏,

    選擇合適工具穿越周期,

    才能達成長期目標。

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