低利率时代，该如何理财？

Core Insights - The white paper emphasizes the importance of diversified asset allocation for families in the current low-interest-rate environment, highlighting the need for effective risk management and wealth preservation strategies [1][2]. Group 1: Current Economic Context - The macroeconomic environment is stabilizing, providing a solid foundation for achieving annual economic goals, despite challenges such as low interest rates and increased volatility in risk assets [1]. - There is a notable shift in family risk awareness, with a growing focus on wealth security and management risks, while traditional concerns like health and retirement remain significant but have seen a decrease in attention [1][2]. Group 2: Key Areas of Concern for Modern Families - Families express major concerns in five areas: healthcare (75.8%), retirement planning (68.2%), children's education (60%), wealth security (41.1%), and wealth transfer (36.6%), reflecting a strong demand for certainty and sustainability [2]. Group 3: Asset Allocation Recommendations - Liquidity Management: Families should allocate 10%-15% of their assets to high liquidity assets to ensure quick access to funds for emergencies, thereby maintaining financial stability [2]. - Fixed Income Assets: Core asset allocation should include bonds, savings-type insurance products, and low-risk investment tools to provide stable cash flow and reduce overall portfolio volatility [2][3]. - Equity Assets: Participation in equity markets through stocks and funds is recommended to share in economic growth and achieve higher long-term returns while balancing risk [3]. - Alternative Assets: Investment in commodities like gold and overseas assets is suggested to diversify and mitigate risks associated with traditional domestic assets [4].