股债平衡、自带止盈：螺丝钉银钉宝月薪宝投顾组合

Core Viewpoint - The article discusses the "Monthly Salary Treasure" investment strategy, which employs a balanced allocation of 40% in equity funds and 60% in bond funds, aiming for stable returns while managing risk through rebalancing mechanisms [1][2][4]. Investment Strategy Analysis - The Monthly Salary Treasure strategy maintains a stock-bond ratio of approximately 40:60, which is designed to be more stable compared to typical stock or index funds [7][8]. - The strategy benefits from the negative correlation between stocks and bonds, which helps to reduce overall volatility [11]. - The equity portion focuses on value-style stocks, while the bond portion primarily consists of medium to short-term bonds, minimizing exposure to bond market downturns [12]. - The rebalancing mechanism automatically adjusts the portfolio to maintain the target allocation, allowing for a "buy low, sell high" effect without requiring investor intervention [13]. Cash Flow Features - The Monthly Salary Treasure offers a flexible "regular cash flow" feature, catering to needs such as retirement and education [3][19]. - Investors can expect an annual cash flow of approximately 6% of their total assets, with the option to receive payments weekly or monthly [22]. - The cash flow distribution remains relatively stable regardless of market fluctuations, ensuring consistent income for investors [24]. - Investors have the option to toggle the cash flow feature on or off, allowing for a more traditional balanced investment approach when cash flow is not needed [28].