“衍生品”在很多人的眼里是一个有点吓人的词，哈哈，

我们在做项目时总是强调要 Fit for Purpose，我建议：

1，按照自己的家庭资产，年龄阶段，工资收入，生活费用....

2，把熊市也考虑进你的投资里，股市不是永远上扬的

3，好好去研究一下什么是qqqi, 她是不是洪水猛兽般的derivative（衍生品），她的优点和缺点在哪里，她是不是适合你自己的1&2

然后再做决定。"Fit for purpose" should not only apply to business/projects, but also to personal investment. 

所有跟帖： 

• You're right, QQQI 不是衍生品。我应该把上面改成JEPI 和 JPEQ -三心三意- ♂ (0 bytes) () 12/14/2025 postreply 07:43:39

• It can be defined as a derivative, tho sometimes, humans see -晓炎- ♀ (322 bytes) () 12/14/2025 postreply 07:52:08

• i am mainly against all covered call ETF -三心三意- ♂ (100 bytes) () 12/14/2025 postreply 07:56:04

• Respectfully disagree :) think this way, how many people -晓炎- ♀ (362 bytes) () 12/14/2025 postreply 08:01:32

• I dont think you read my last reply carefully) -三心三意- ♂ (0 bytes) () 12/14/2025 postreply 08:16:55

• I did... I don't think you read my recap above with an open -晓炎- ♀ (369 bytes) () 12/14/2025 postreply 08:22:00

• 为啥 qqqi 不是衍生品？ 好像也是搞 CC 的啊 -snowwhite76- ♀ (744 bytes) () 12/14/2025 postreply 08:08:08

• Damn, i got confused. LOL. I was thinking about QQQE -三心三意- ♂ (0 bytes) () 12/14/2025 postreply 08:20:36

• 也是 -bogbog- ♀ (0 bytes) () 12/14/2025 postreply 15:14:50

• 晓炎妹子，熊市的定义是什么，>20%以上的下跌吗？ -西糖胡同- ♂ (235 bytes) () 12/14/2025 postreply 08:03:01

• LOL,笑死，打开你的留言，被你的emoji 吓一跳 -晓炎- ♀ (182 bytes) () 12/14/2025 postreply 08:10:09