安聯重返美國市場 打破停業陰霾

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Finance




德國安聯基金管理部門AGI獲准重返美國市場

慕尼黑消息——德國金融巨頭安聯（Allianz）旗下基金管理部門AGI，在因涉及詐騙醜聞被迫退出美國市場後，現已獲得恢復營運的許可，為該公司一段灰暗時期畫上句號。安聯行政總裁奧利弗·貝特（Oliver Baete）週二對記者表示：「我們已從美國證券交易委員會（SEC）重新取得在美國經營資產管理業務的牌照。」

2022年，安聯同意支付超過60億美元，並且其美國資產管理子公司承認涉及刑事證券詐騙，這起事件源於COVID-19疫情初期，一組投資基金大幅崩盤。這宗與美國司法部及證券交易委員會在拜登政府下達成的和解案，是企業歷史上規模最大之一，當時SEC禁止AGI在美國經營業務，原本禁令期限長達十年。

然而，這項禁令在實施3年半後被解除。SEC在致安聯的信函中未說明解除禁令的原因，但安聯方面表示，集團及AGI已履行所有義務，並解散了AGI在美國的子公司。在退出過程中，安聯將大部分美國AGI業務出售予紐約資產管理公司Voya Financial，並獲得Voya 24%的股權作為回報。

安聯發言人指出，美國市場限制解除後，為公司在該地區的發展帶來更多選擇，但公司對現有狀況「感到滿意」，暫無進一步消息公布。

Structured Alpha基金巨虧事件回顧

曾管理超過110億美元資產的Structured Alpha基金，在2020年2至3月疫情造成市場劇烈波動期間，損失超過70億美元。該基金的美國子公司安聯環球投資（Allianz Global Investors US LLC）被指控誤導多個退休基金，包括教師、公車司機、工程師及宗教團體，低估基金的風險，且監管存在「重大漏洞」。

投資者該如何看待ALVG未來發展？

隨著2024年股市估值持續飆升，不少投資者對進一步投入股票市場感到猶豫。雖然市場總有機會，但尋找潛力股變得比去年更加困難。投資者可參考今年表現最佳的投資組合，尋找值得關注的股票。投資平台ProPicks AI便提供六個模型投資組合，幫助用戶挑選最具潛力的股票，其中包括今年漲幅超過25%的九隻被低估股票。這些新興股票未來或帶來豐厚回報，ALVG是否會是其中一員，值得留意。

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編輯評論：

安聯AGI能夠提前解除美國市場禁令，重啟業務，對這家德國保險和資產管理巨頭來說無疑是一劑強心針。這不僅標誌著安聯在經歷重大醜聞後逐步恢復信譽和合規能力，也彰顯了美國監管機構對企業改正態度的認可。然而，這一事件同時提醒投資者和監管者，金融產品的風險披露和監督絕不可輕忽，尤其是在市場極端波動時期。

此外，安聯將美國業務轉售給Voya，換取後者的股權，展現出一種靈活的市場策略，既保留了美國市場的利益，也降低了直接經營的風險。對於投資者而言，這種布局提示了大型金融機構在面對危機時如何調整資產結構和策略，以維持長遠競爭力。

最後，在當前高估值環境下，投資者更需謹慎選擇標的，透過科技和數據驅動的工具如ProPicks AI，或許能更有效挖掘潛力股，減少風險。安聯的故事是金融市場風險與機遇並存的縮影，值得市場各方深入反思與學習。

以上文章由特價GPT API KEY所翻譯及撰寫。

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Photorealistic recreation of the iconic grocery shopping scene from Home Alone, set on a snowy winter street in New York City with yellow taxis, steam rising from manholes, holiday lights on buildings, and pedestrians in the background. In the foreground, a man (his face is 100% same as the uploaded photo), smile gently, wearing a white sweater and a light beige scarf around his neck, is taking a selfie-style close-up photo. Behind him and slightly to the right, a young boy (recreated exactly like Kevin McCallister from Home Alone) with short blonde hair, wide-eyed surprised expression, wearing a red knit hat, red scarf, beige coat, gray gloves, holding two full plastic grocery bags (one with oranges visible, the other with a carton of milk and cereal boxes). The boy is standing on the snowy sidewalk looking shocked. Cinematic lighting, cold winter atmosphere, high detail, sharp focus, realistic textures on clothing and snow, film still style from 1990s holiday movie. Gallery
Generate an ultra-realistic, highly ultra-detailed, 8k resolution with 1080x1080 pixel portrait of me using the uploaded image for reference (preserved the likeness and the original face for reference) of a striking, high-resolution portrait of a young woman with long, flowing wavy brunette hair, seated gracefully on a simple black wooden chair in a dimly lit studio. She wears an oversized, off-white knitted sweater that drapes loosely over her frame, slipping off one shoulder to reveal smooth skin and add a subtle touch of sensuality. Her pose is elegant and contemplative: one arm rests gently on the chair’s backrest while her hand delicately supports her chin, and her gaze is directed thoughtfully toward the side, creating an intimate and introspective mood. The lighting is expertly crafted with a single soft, directional light source positioned to the side, casting gentle shadows that sculpt her form and highlight the texture of the knitwear and the natural contours of her legs and arms. This chiaroscuro effect enhances the depth and dimensionality of the image, emphasizing the softness of her skin and the intricate weave of the sweater. The background is a smooth, muted dark gray, providing a minimalist and distraction-free backdrop that contrasts beautifully with her light-colored apparel and warm skin tones. *** The composition is a full-body vertical frame that captures the model’s seated posture with perfect balance, positioning her slightly off-center to create visual interest and harmony. The overall color palette is subdued and warm, featuring neutral tones that evoke a sense of calm and understated elegance. The image is impeccably sharp, showcasing fine details such as the delicate waves of her hair, the subtle folds in the fabric, and the natural texture of her skin. The style is classic and timeless, blending modern minimalism with emotive portraiture to convey quiet strength, beauty, and introspection. ➖Additional details: - Negative Prompt: cartoon, 3d render, cgi,a low poly, painting, drawing, sketch, anime, deformed, bad anatomy, mutated hands, extra limbs, low quality, blurry, artifacts, plastic skin, out of frame, out of focus, wrong spelling, rumble letters, missing letter, blurry letter, blurry face, lowres, pixelated, jpeg artifacts, repeated face and repeated word. Gallery
{ "intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.", "subject": { "identity": "A stylish beautiful woman portrayed as Cleopatra, the eternal Queen of Egypt, radiating supreme authority, elegance, and divine power.", "angle": "Full-body editorial portrait captured at a cinematic 3/4 angle, both Cleopatra and the horse positioned diagonally, rendered in ultra-crisp clarity with no blur.", "pose": { "body_position": "She is riding a majestic white horse, seated confidently with impeccable royal posture, her torso slightly turned to a 3/4 angle to emphasize grace and dominance.", "hands": "One hand gently holds the gold-accented reins, while the other rests elegantly near her waist, displaying ornate jewelry.", "expression": "She looks directly at the camera with a calm, commanding, and seductive gaze—the unmistakable presence of a queen born to rule." } }, "appearance": { "outfit": "An opulent, ultra-bongga Cleopatra couture gown in pristine white and radiant gold. The gown features a sculpted corset bodice richly embroidered with gold hieroglyphic motifs, sun-disk patterns, and crystal beadwork. Flowing white silk, chiffon, and sheer organza panels cascade dramatically from the waist and shoulders, creating powerful movement as she rides. A daring thigh-high slit reveals her leg, balancing sensuality with imperial elegance. Every seam is traced with gold-thread embroidery for a luminous, goddess-like silhouette.", "accessories": "She wears the exact Cleopatra headpiece from the attached reference image: a regal black-and-gold striped nemes-style headdress with a polished gold cobra (uraeus) centerpiece at the forehead, structured side panels, and intricate gold detailing. Paired with a wide Egyptian collar necklace with turquoise accents, engraved gold arm cuffs, crystal finger rings, an ornate gold waist belt, delicate anklets, and elegant flat Egyptian sandals.", "hair": "Her hair is fully concealed beneath the nemes headpiece as shown in the reference image, ensuring perfect historical accuracy and symmetry.", "makeup": "Ultra-bold, highly colorful Egyptian eye makeup with ceremonial ink artistry. Her eyes feature sharp elongated black kohl eyeliner extended dramatically past the outer corners, layered with vivid turquoise, teal, emerald green, sapphire blue, violet, and metallic gold pigments blended in high-fashion gradients. Beneath each eye, intricate hand-drawn ink designs inspired by ancient Egyptian symbolism are visible—fine black and gold lines, dots, and sacred motifs echoing hieroglyphs and protective markings, following the natural curve of the lower eye and cheekbone. Her complexion is flawless and softly bronzed with luminous highlights, brows are sculpted and powerful, cheeks carry a subtle coral-rose flush, and lips are finished in a refined nude-rose satin tone to balance the intense, artistic eye look." }, "props": { "animal": "A powerful, majestic white horse with a flowing ivory mane, sculpted muscles, and intelligent dark eyes. The horse wears elegant white-and-gold tack engraved with Egyptian motifs, symbolizing royal conquest, divine favor, and sovereignty." }, "background": { "macro_environment": "A vast open desert landscape near the Egyptian palace and pyramids at golden hour, stretching endlessly beneath a dramatic sky glowing with gold, amber, and soft ivory tones.", "midground_details": "Distant pyramids rising from the sand, monumental stone statues, ceremonial banners moving in the wind, and faint silhouettes of royal guards and attendants placed far behind for scale.", "micro_elements": "Fine desert sand lifted by the horse’s movement, sharply defined gold engravings on the reins, visible embroidery threads on the gown, subtle translucency of sheer fabrics, radiant light reflections on gold surfaces, and crisp, realistic shadows—everything rendered with extreme clarity and zero blur." }, "lighting": { "type": "Cinematic natural golden-hour lighting with soft reflective highlights.", "effect": "Warm sunlight intensifies the white-and-gold palette, ignites the vibrant eye makeup colors and ink details, and illuminates the horse’s coat, creating a radiant, divine, editorial glow." }, "camera": { "camera_type": "DSLR", "resolution": "8K UHD", "lens": "50mm prime lens", "aperture": "f/8 for maximum sharpness across subject and background", "iso": 100, "shutter_speed": "1/250s to freeze motion while maintaining realism", "focus": "Extreme sharp focus from foreground to background, no bokeh, no blur" }, "style": "High-fashion editorial, cinematic realism, divine Egyptian royalty, white-and-gold couture contrasted with vibrant ceremonial eye art, powerful, sensual, ultra-detailed, sharp, majestic" } Gallery

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