适合普通家庭的资产配置策略，有哪些呢？｜投资小知识

Group 1 - The article discusses asset allocation strategies, emphasizing the importance of diversification in investment portfolios, suggesting that no single asset type should exceed 20% of total stock assets [2] - It recommends a combination of high-risk, high-return assets and stable income-generating assets, using the "100 minus age" rule for asset allocation [2] - The article highlights the use of target risk strategies, which involve maintaining a fixed ratio of stock to bond assets and periodically rebalancing the portfolio [4] Group 2 - Target risk strategies can include classic ratios such as 50:50, 40:60, 30:70, and 20:80, but may require investors to develop a clear understanding of their risk tolerance over time [4] - The target lifecycle strategy is presented as simpler compared to the target risk strategy, as it may be easier for investors to implement without needing to assess their risk preferences constantly [4]