家庭资产“压舱石”：中邮基金解读保险、年金与低波基金的配置组合

Core Viewpoint - The article emphasizes the importance of a stable financial foundation for families in the face of market volatility, advocating for a "threefold protection" system involving insurance, annuities, and low-volatility funds to ensure financial security and wealth management [1][2]. Group 1: Wealth Foundation - The financial needs of families remain stable despite ongoing market fluctuations, with essential life stages such as education, healthcare, and retirement requiring a solid financial base [2]. - Effective wealth management should prioritize building a protective system that can withstand financial shocks rather than solely focusing on high returns [2]. Group 2: Insurance Protection - Insurance plays a crucial role in family asset allocation, serving as a foundational element for financial security [3]. - Proper insurance allocation should follow the principle of "demand-oriented and adequately sufficient," with recommended coverage amounts for life and critical illness insurance being 5-8 times annual income, and accident insurance around 10 times annual income [3]. Group 3: Annuity Insurance - Annuity insurance is increasingly important due to aging populations and insufficient pension replacement rates, providing a stable lifelong income stream [4]. - Families in the accumulation phase (ages 35-45) are advised to allocate 15-20% of their annual income to annuities, while those in the consolidation phase (ages 45-55) should increase this to 20-25% [4]. Group 4: Low-Volatility Funds - Low-volatility funds are essential for family asset allocation, focusing on risk control and stable returns [5][6]. - These funds aim to achieve steady asset growth while managing volatility, making them suitable as core holdings in family financial planning [6]. Group 5: Dynamic Allocation - Asset allocation should be adjusted based on the family's life cycle stage, with specific recommended ratios for different age groups to balance protection and growth [7]. - Customization of asset allocation is crucial, with professional risk assessment and financial needs analysis provided by firms like Zhongyou Fund [7]. Group 6: Discipline in Investment - Long-term adherence to an asset allocation strategy is necessary for achieving desired outcomes, as emotional reactions to market fluctuations can lead to poor investment decisions [8]. - Investors are encouraged to establish habits of regular review and rebalancing of their asset allocations to maintain alignment with their financial goals [8].