5G、物联网与智慧城市：如何投资未来的基础设施
Learn how to invest in 5G, IoT, and smart city infrastructure. Discover investment strategies, top companies, ETF options, and key market opportunities in tomorrow's connected urban technology.
马克利尔博客
专业投资见解、市场趋势及实用投资指南，助您发掘投资机会。
博客分类
通过清晰、注重风险的教育内容，探索投资基础知识、P2P借贷、众筹借贷及另类投资。
最新博客文章
为投资者提供实用指南，帮助研究商业贷款、另类资产及长期投资规划。
艺术品会成为下一个重大投资趋势吗？
Is fine art the next big thing in investing? Discover how ordinary investors are setting their sights on paintings and sculptures to diversify their assets, build their wealth, and tap into a market once reserved for the ultra-rich.
投资初创企业：风险与机遇
Discover the exciting world of startup investing – where bold ideas meet high rewards and real risks. Learn how to spot opportunities, avoid pitfalls, and start investing wisely, even as a beginner.
知识产权投资：从专利到商标
Learn smart IP investment tactics from patents to trademarks. Build wealth through intellectual property assets and licensing opportunities.
P2P 借贷二级市场：运作方式、费用与风险
P2P 借贷二级市场让投资者在到期前出售贷款债权。了解定价机制、2.5%卖方手续费、锁定期以及逆向选择风险如何运作。
P2P Lending vs Index Funds: Returns, Risk & Diversification
P2P lending vs index funds: market total return vs AROI, built-in vs DIY diversification, liquidity and correlation compared. Capital is at risk in both.
P2P Lending vs Real Estate: Returns, Risk, and Liquidity Compared
P2P lending vs real estate: rent and appreciation vs interest measured as AROI, capital needed, liquidity and effort compared. Both carry risk of loss.
农田投资：回报、风险与可及性
了解农田投资如何产生回报、投资者面临哪些风险，以及众筹借贷平台如何让投资者以更低门槛参与真实经济活动。
贝莱德的 50/30/20 投资组合策略：Maclear AG 如何简化另类投资的获取途径
Stay informed with the latest Articles on P2P lending and investment strategies. Explore expert tips, updates, and insights to grow your portfolio with Maclear.
另类资产如何降低投资组合波动性
了解与传统资产相关性较低的另类配置——私募信贷、众筹借贷、基础设施、农地——如何在股票与债券同跌时降低投资组合波动性。
通胀环境下的硬资产 vs 软资产：哪些另类投资表现更好？
硬资产通过稀缺性对冲通胀；软资产通过浮动利率与合同再定价对冲通胀。面向 2026 年投资组合的结构化对比。
如何计算投资回报：IRR、ROI、ROE 和 ROIC
Learn how to calculate IRR, ROI, ROE, and ROIC – four key investment metrics that reveal the true performance of your money. Decode these acronyms with real examples, simple formulas, and practical tools to measure returns like a pro.
抗危机投资：如何保护您的资本
Discover how to protect your capital with crisis-proof investments like gold, real estate, capital-protected products, and secure DeFi innovations. Plus, explore innovative options like crowdlending with Maclear.
Maclear AutoInvest User Manual
AutoInvest is a feature that allows you to automate your investments on Maclear by setting a custom strategy based on your preferences (country, risk, interest rate). The system will automatically invest for you when matching projects go live, saving your time and letting you access opportunities first.
为什么定期财务审查对投资成功至关重要
Want your investments to stay on course? In our article, we describe how regular financial reviews are key to your long-term success, including what to check, how often, and the right tools to use.
节税投资：保留更多回报
Discover how to reduce investment taxes legally using tax-advantaged accounts, asset location, and smart strategies. Keep more profits and accelerate wealth growth today.
DCA 投资策略是如何运作的？
Learn how the DCA investment strategy works. Discover how Dollar-Cost Averaging helps reduce risk, build wealth, and make investing less stressful.
如何利用盈亏平衡分析做出更明智的决策
Master break-even analysis to optimize pricing, control costs, and make data-driven business decisions. Learn formulas, strategies, and real-world applications today.
如何将您的投资策略与经济周期相配合以获得更好回报
Learn how to align your investment strategy with economic cycles to improve returns and mitigate risk. Discover smart moves for each phase of the market.
管理期货：适用于波动市场的多元化工具
Learn how managed futures gained 24% in 2022 while stocks and bonds crashed. Discover this powerful diversification tool that thrives during market crises.
众筹借贷投资组合的地域分散化
为什么地域集中是众筹借贷中最容易被忽视的风险之一——以及为何将资金分散到经济周期、法律体系与信用动态各不相同的国家，能够打造更具韧性的投资组合。
8lends 所谓的 RWA 支持贷款的真正含义
Discover how 8lends secures crypto P2P loans with real-world assets, ensuring transparency, legal protection, and reliable returns for investors.
银行业的未来：去中心化金融对您意味着什么
Learn the ways decentralized finance is revolutionizing banking. In this article, we take you through how blockchain, smart contracts, and peer-to-peer platforms are making finance more accessible, transparent, and user-controlled.
众筹借贷收益如何产生：真正驱动投资者回报的因素
众筹借贷的回报并不取决于市场择时。利率、信贷审核、还款结构、追偿与费用共同塑造实际到手收益。本文解释其运作方式，并介绍 Maclear AG 如何将收益结构化至最高 15%。
常见问题
众筹借贷，也称为P2P众筹借贷或点对点借贷，是一种借贷众筹形式，投资者通过在线平台为企业或个人借款人提供贷款。
众筹是一个广义术语，可以包括捐赠、奖励、股权众筹和众筹投资模式。众贷则专注于借出资金，并期望获得还款和利息。
没有一种单一的最佳投资方式。如何投资、投资在哪里以及如何开始投资，取决于你的目标、投资期限、风险承受能力和财务规划需求。
P2P借贷可能会提供定期利息支付，一些投资者将其视为潜在被动收入的一种形式。然而，被动收入投资仍然存在借款人风险、流动性风险和资本损失风险。
众筹借贷可能涉及定期利息支付，但不应被视为固定收益证券或有保证的固定收益产品。回报、付款时间和本金回收可能因项目而异。
没有任何P2P平台、点对点借贷平台或众筹平台是没有风险的。低风险投资仍然涉及权衡，投资者应仔细评估多元化、借款人质量和流动性。
众筹借贷，也称为P2P众筹借贷或点对点借贷，是一种借贷众筹形式，投资者通过在线平台为企业或个人借款人提供贷款。
众筹是一个广义术语，可以包括捐赠、奖励、股权众筹和众筹投资模式。众贷则专注于借出资金，并有预期的还款和利息条款。
没有一种单一的最佳投资方式。如何投资、投资在哪里以及如何开始投资，取决于你的目标、时间跨度、风险承受能力和财务规划需求。
P2P借贷可能会提供定期利息支付，一些投资者将其视为潜在被动收入的一种形式。然而，被动收入投资仍然存在借款人风险、流动性风险和资本损失风险。
众筹借贷可能涉及定期利息支付，但不应被视为固定收益证券或有保证的固定收益产品。回报、付款时间和本金回收会因项目而异。
没有任何P2P平台、点对点借贷平台或众筹平台是无风险的。低风险投资仍然涉及权衡，投资者应仔细评估多元化、借款人质量和流动性。
