下半年配什么？理财公司看好这两类资产

Core Viewpoint - The traditional asset allocation logic of the banking wealth management industry is facing challenges due to a low interest rate environment and increased volatility, prompting a shift towards diversified strategies and alternative assets [1][2]. Group 1: Market Environment - The current market is characterized by "low interest rates and high volatility," with a general decline in asset yields. As of May 20, the 1-year and 5-year LPR have decreased by 10 basis points, and the 10-year government bond yield is fluctuating between 1.6% and 1.7% [2]. - The volatility in the asset sector is increasing, complicating asset allocation strategies [2]. Group 2: Strategic Shifts - Financial institutions are transitioning from single asset investments to diversified strategies, focusing on major asset allocation to broaden income sources. The emphasis for the second half of the year will be on alternative and equity assets [1][2]. - Companies like Xinyin Wealth Management are adopting a core strategy of major asset allocation, with a focus on enhancing returns through diversified fixed income and equity assets, while controlling risks [2][3]. Group 3: Asset Class Outlook - Industry insiders are optimistic about the performance of alternative and equity assets in the second half of the year. A balanced allocation of stocks, bonds, and gold is seen as advantageous, with expectations of continued upward movement in asset prices due to low inflation and ample liquidity [3][4]. - Specific sectors such as technology and dividend strategies are expected to remain advantageous, with new consumption driven by policy potentially becoming a source of excess returns [4].