????:1???spa:?????????

2??????????

3???????????

4???????????

5????????

??2?5????????????????? (???)?????????????????????5?????2024?«????»?,????,??????(???????????)?4975???????????,????2024????3820????????????????2024?1297????????????????,???????????1%,?????

???????????????????,2024?,?,????????????1000????????333??,??1045????????

????2024?ETF(???)??????????,2024??????????????25%?1180??,????????2024???????????,??????????344??????????,??????????????32%;???ETF????19??????????????????????,???????????

?,???,????????????????????11%????1877????;????????????,?????????9%,?1440???,?????????????????,???,????479?????????????,???????????????24%;?,???????,2024????????????2%?

?????????????????????????2021?????????????,?84????????????????????????????????,?????326??,???????????7%?

????,2024????1%,?4975?,?????????????????????????????1%,?1297??

???????,2024??????????40???????????????????,???????????????2025??????,?,?ETF???????,??????????,???????????2025?????,??(????) ??????????????:???????????