为获得长期回报,投资者需要依据自己的风险承受能力和投资期限合理配置各类型基金。由于我国基金业发展时间仅10余年,对于养老和教育等20年以上的资产配置计划,国内的经验尚不十分充分。为此,我们选择了英国和美国 In order to obtain long-term returns, investors need to rationally allocate various types of funds according to their risk appetite and investment terms. Due to the fact that the fund industry has only been developing for more than 10 years, the domestic experience is not yet sufficient for asset allocation plans over 20 years such as pension and education. To this end, we have chosen Britain and the United States