理财如何平衡波动与收益？行业大咖这样说

Core Viewpoint - The banking wealth management industry is undergoing significant changes in balancing volatility and returns, necessitating a focus on risk control and differentiated advantages in the context of net value transformation [2][3]. Group 1: Balancing Volatility and Returns - The current balance of volatility and returns in the banking wealth management industry has undergone profound changes, with a focus on risk control over potential returns [2]. - The approach to asset allocation emphasizes beta first, followed by alpha, while maintaining controllable maximum drawdown [2]. - Cross-border allocation has yielded an annualized return of approximately 3.8%, while equity investments have achieved returns exceeding 30%, creating a controllable enhanced portfolio [2]. Group 2: Building Differentiated Advantages - Establishing differentiated advantages requires enhancing research and investment capabilities, transitioning from basic asset exploration to a more refined investment guidance framework [3]. - Regional advantages are leveraged by focusing on core assets in the Beijing-Tianjin-Hebei area while expanding nationally, with measures in place to prevent concentration risks [3]. - The introduction of dollar-denominated wealth management products has effectively attracted clients and boosted the growth of RMB wealth management business, achieving a balance between localization and diversification [3].