在金融混业的资产管理时代,面对琳琅满目、纷繁复杂的金融产品,个人和家庭如何进行财富管理、如何获得长期稳定的收益,关键在哪里?答案很简单,学会资产配置。金融分析家杂志上的一篇名为“组合绩效的决定”的文章表明:投资收益的91.5%由资产配置决定。尤其对于机构投资者和高净值个人投资者,资产配置对于投资收益的贡献要远远大干时机选择和具体股票的选择。当然,我们也不能排除有的人鸿运当头,买一张彩票都会中。但从更长的时间跨度来看,你就会发现,分散性的投资组合才是投资成功的关键因素。明确资产配置的方向后,我们还应 In the era of financial mixed asset management, the face of dazzling array of complicated financial products, individuals and families how to manage wealth, how to obtain long-term and stable benefits, the key? The answer is very simple, learn to configure assets. An article in the Financial Analyst magazine entitled “Decision to Compelled Performance” shows that 91.5% of the return on investment is determined by asset allocation. Especially for institutional investors and high-net-worth individuals, the contribution of asset allocation to the return on investment is far less than the timing and the choice of specific stocks. Of course, we can not rule out some people lucky enough to buy a lottery will be. But over a longer period of time, you will find that a decentralized portfolio is a key element of investment success. Clear asset allocation direction, we should also