投资进化论丨低利率背景下，为什么需要重视多元资产配置？

Core Viewpoint - The traditional investment strategy of relying on bank deposits and government bonds is becoming less effective due to declining interest rates, prompting investors to adopt diversified asset allocation strategies to preserve and grow their wealth [1] Group 1: Importance of Diversified Asset Allocation - Diversified asset allocation helps combat the "invisible shrinkage" of wealth as traditional assets like bank deposits and government bonds yield lower returns that may not keep pace with inflation [2] - By diversifying investments across various asset classes such as stocks and commodities, investors can potentially increase overall portfolio returns and better counteract inflation [2] Group 2: Risk Diversification and Enhanced Investment Experience - Investing in a single asset class can lead to low returns or high volatility; for instance, fixed-income assets may offer limited appeal in a low-interest environment, while equities can be volatile [3] - Diversified asset allocation allows for the selection of assets with low or negative correlations, which can help mitigate risks and enhance the overall investment experience [3] Group 3: Stability of Long-Term Returns - According to the "Merrill Clock" theory, no single asset class consistently outperforms; different assets excel during various economic cycles [6] - A diversified portfolio can provide a buffer against market fluctuations, ensuring that at least one asset class performs well regardless of the economic phase [9] Group 4: Professional Assistance in Achieving Diversification - Constructing and maintaining a scientifically diversified asset portfolio is challenging for individual investors due to the need for personalized strategies and ongoing market analysis [10] - Professional management solutions, such as Fund of Funds (FOF) products and fund advisory services, are available to assist investors in achieving diversified asset allocation [10]