资产配置成共识 民生加银多元稳健配置3个月持有混合（FOF）正在发行中

Group 1 - The core viewpoint of the articles highlights the increasing recognition of FOF (Fund of Funds) as a professional asset allocation tool in response to the challenges posed by low interest rates and market volatility, making multi-asset allocation a preferred choice for investors [1][2] - FOF funds utilize a model of "selecting funds, portfolio investment, and dynamic rebalancing," which aligns with modern asset allocation needs and serves as an effective solution to various investment dilemmas [1] - The number of public FOF products in the market has reached 519, with a total management scale of 193.5 billion yuan, reflecting a 16% increase from the previous quarter, indicating a growing trend towards FOFs as a core investment tool for the public [2] Group 2 - The demand for wealth management is shifting from "pursuing returns" to "steady allocation," positioning FOF funds as a viable option for ordinary investors seeking long-term stable investments [2] - The Minsheng Jia Yin Multi-Asset Steady Allocation 3-Month Holding Period Mixed FOF is currently being issued, which aims to balance risk contributions across various assets using a risk parity model, enhancing adaptability in different macro environments [2] - The product includes a 3-month holding period to help investors avoid irrational trading behaviors and optimize their holding experience [2]