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recently, a friend of mine had a very urgent problem: last year, she spent 100 thousand yuan on all the savings in her family, and all of them bought the treasure procts in Alipay's financial management. At the beginning of this year, there was news that the project was overe, and the "overseas Chinese Telecom" and "overseas Chinese Telecom" bonds failed to pay. So now she is very worried about whether she will lose all her zhaocaibao procts e in four months

let's reassure her first. The" Qiaoxing debt default "incident broke out at the beginning of the year. In the end, Zheshang property insurance, the guarantee agency of the project, started the claim settlement process and came out to" get the bottom ", so the investors all got back the principal and agreed interest, and their rights and interests were protected

asset allocation

back to the topic, I believe that many friends have heard of asset allocation. Now, asset allocation has changed from only buying bank financial procts to buying financial procts, funds, Internet fixed income and insurance, and putting money in procts with different income, different risks and even different functions, even if one is on the street, The others are alive and kicking. It's not technically difficult, and it's not complicated at all

in 1981, James stobin, the Nobel Prize winner in economics, said a classic saying:" don't put eggs in one basket. ". The volatility of holding a single asset is large, the probability of timing error is very high, and after the error, it may cause all losses. Through asset allocation, the overall risk and portfolio volatility can be reced by using the risk differences between different assets

in other words, the biggest function of asset allocation is to make you lose less money and recover the capital quickly when the market fluctuates

take an example:

suppose you had 100000 in 2007 and bought 50000 stock funds and 50000 bond funds

after one year, the stock fund lost 50% and the bond fund made 5%. Your 100000 has become 77500, but if you buy stock funds in the first place, there will be only 50000 left

in the second year, stock funds made 60% and bond funds made 4%. Your 77500 became 94600. If all the stocks were bought in that year, the remaining 50000 in the previous year would become 80000 in this year

in the third year, the stock fund earned 10% and the bond fund earned 5%. If they bought half of each, it would be 1013300 now, while the total stock fund would be 88000 in the third year

"don't put eggs in one basket" actually has the second half sentence

"don't put eggs in one basket" this is a famous financial saying, but it is estimated that few people know that, in fact, there is the second half sentence, that is -- "but also don't put too many baskets". If a person takes money to buy stocks, equity funds and private placement, it seems that the investment portfolio is very rich, but the investment procts are equity assets, and the income depends too much on the stock market, so the risk is very high

some people know that they want to buy procts with low relevance, but they can't control it

I met some funders who held more than 10 funds with a capital of 20000-30000; There is also a fixed amount of 2000 yuan per month, but invested in 7-8 funds

this is true of many basic people

they said: I don't know what to buy. Just buy a little bit of this and a little bit of that. There will always be a rise

in terms of management cost, too many baskets will affect your management efficiency and even rece your profit margin. Moreover, many of the people themselves are half a bucket of water and half a bucket of learning. They do not have enough ability and do not have solid investment knowledge. If they buy willfully, they may lose more than they earn

asset allocation can't be dogmatic

for people who can't save money or have a small amount of money, such as student party, new job or newly established small families, the amount of money that can be used for investment every month is very limited. If we use the method of risk diversification to allocate a variety of financial instruments, e to the dispersion of funds, the risk of asset allocation can be reced, The absolute profit that can be harvested will not be very high

at this time, if you put too much emphasis on allocation, it is not necessary. On the contrary, "centralized investment" may be more suitable for you. Find 1-2 procts with high security and good liquidity, and use them as your "savings tank". After saving money, make reasonable allocation

in the final analysis, from asset allocation to financial management, the ultimate goal is to make life more stable in the future, rather than worrying about it. I've seen people jump because of speculating in stocks and playing with futures, but I've never heard of anyone who's ruined because of asset allocation

extra: I believe you've been scavenged by Alipay's code sweep recently. I am no exception to the common people. I hope you can open the Alipay to sweep the bottom of the two-dimensional code, and encourage Xiaobian to create more articles about life finance and finance. p>

wealth is not achieved overnight, but accumulated over time Remember to open the Alipay "sweep" the two-dimensional code above, has already prepared the surprise red envelope for you! Early in the morning, I say hello to you in the beautiful Lianyungang. I hope you have a good mood for the day and realize your financial freedom as soon as possible! Baijia: Life Finance

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