华银基金马寅喜：资产配置可采用“4231”投资组合法

Core Viewpoint - The article discusses a simplified investment strategy likened to a classic football formation, termed the "4231" investment portfolio method, which aims to balance risk and return in asset allocation [1] Investment Strategy - The "4231" investment portfolio method suggests allocating 40% of investment funds to bond funds, 20% to mixed funds with a bias towards bonds, 30% to mixed funds with a bias towards stocks, and 10% to stock funds [1] - In this strategy, stock funds act as forwards, mixed funds serve as midfielders, bond funds function as defenders, and money market funds are compared to goalkeepers, providing liquidity and low risk [1]