普通人自己DIY资产配置方案，比单押主动基金靠谱多了

Core Viewpoint - The article emphasizes the advantages of DIY asset allocation for ordinary investors, suggesting that it can outperform actively managed funds and benchmark indices, as evidenced by a 6.23% return in the first half of the year [2][4]. Group 1: Advantages of DIY Asset Allocation - Advantage 1: Unrestricted Investment Scope DIY asset allocation allows investors to diversify across various asset classes without the constraints faced by mutual funds, which are limited by their contracts [5][6]. This flexibility enables investors to capitalize on different economic cycles and opportunities, such as stocks during economic upturns and bonds during downturns [8]. - Advantage 2: Flexible Position Adjustment Investors can adjust their asset allocation more freely compared to mutual fund managers, who face strict position limits. This flexibility allows for better risk management during market volatility [9][10]. - Advantage 3: Aligned Interests DIY investors do not face the same pressures as fund managers, such as short-term performance metrics and management fees tied to fund size. This allows for a focus on long-term investment strategies without the need to cater to market trends [11][12]. Group 2: Steps for Asset Allocation - Step 1: Risk Assessment The first step involves completing a risk assessment to determine the investor's risk tolerance, expected returns, and investment duration, which informs the optimal asset allocation [13]. - Step 2: Create a Low-Correlation Asset Allocation Plan A diversified portfolio should include assets with low correlation to mitigate risk. For example, a combination of bonds, A-shares, Hong Kong stocks, US stocks, and gold can provide a balanced approach [15][18]. - Step 3: Initiate Regular Investment After establishing the asset allocation plan, investors should engage in regular investments (dollar-cost averaging) to minimize emotional decision-making and benefit from market averages [23][24]. - Step 4: Dynamic Rebalancing Investors can manage their portfolios more dynamically, taking advantage of price discrepancies among low-correlation assets. This involves selling overvalued assets and buying undervalued ones, facilitated by alerts for rebalancing [25][26]. Group 3: Additional Services - The article mentions that using the proposed asset allocation method provides additional services such as monthly reports, real-time asset diagnostics, and personalized support, enhancing the investment experience [29]. Group 4: Investment Philosophy - The "three-part method" promotes a philosophy of long-term investment and asset allocation, focusing on diversification across assets, markets, and timing to achieve a balanced risk-return profile [30].