简单粗暴！4只指数基金造出极致简约的投资方案！细品深谙配置之美...

Core Viewpoint - The article discusses a simplified asset allocation strategy using a minimal number of funds while adhering to the principles of diversification and market distribution as outlined in the "three-part method" [1][2]. Asset Allocation Summary - The proposed asset allocation consists of 30% bond funds, 50% equity funds, and 20% commodity funds, aiming for an annual return target of approximately 8-10% with a maximum drawdown controlled within 15% [3][8]. Equity Funds (50%) - The equity allocation focuses on sharing the benefits of global economic growth and high-quality companies, characterized by high risk and high return [5]. - The selected funds include: - 25% in China Asset: CICC CSI 300 Index A, which employs a "good company, good price" selection logic and has outperformed the CSI 300 by 67% over the past five years [6][8]. - 25% in Overseas Asset: BOCOM NASDAQ 100 Index Fund, known for its strong performance and comprising top technology companies like Microsoft and Apple [9]. Bond Funds (30%) - The bond fund chosen is E Fund China Bond New Comprehensive Index Fund, which passively tracks a diversified index and aims for stable returns in the bond market [8]. Commodity Funds (20%) - The commodity allocation is entirely in gold through the Guotai Gold ETF Link A, which tracks gold contracts and has shown a 13% annualized return over the past five years [7][9]. Performance Analysis - The backtesting results indicate that the simplified portfolio achieved a cumulative return of 46.81% over three years, significantly outperforming the CSI 300 Index, which declined by 9.49% during the same period [13]. - The annualized return for the simplified portfolio was 14.15%, compared to -3.38% for the CSI 300, with a maximum drawdown of only 6% versus 25% for the index [15][16]. Additional Considerations - Suggestions for further diversification include adding U.S. Treasury funds, Hong Kong stock funds, small-cap funds, and oil funds to enhance the portfolio's resilience and potential returns [17][18].