为什么投资不是抄作业：一生受用的配置法则，来看看你最适合哪种？

Group 1 - The article emphasizes the importance of adjusting asset allocation based on different life stages, highlighting that financial goals and priorities evolve over time [6][8]. - It introduces the "100 Rule" as a simple method for determining the proportion of stocks in an investment portfolio based on age, suggesting that younger individuals should have a higher allocation to high-risk assets [10][11]. - The article critiques traditional asset allocation methods for not considering other financial risks in life, such as mortgage payments and living expenses, suggesting a need for personalized adjustments [15][16]. Group 2 - For individuals aged 20-30, the focus should be on income generation and savings rather than investment returns, as this is typically a low-wealth stage [19][20]. - This age group is encouraged to understand their risk tolerance through trial and error, as they have a lower investment base and can afford to take risks [21][22]. - Regular assessments of risk tolerance are recommended to ensure alignment with personal financial situations [24]. Group 3 - In the 30-40 age range, individuals are advised to prioritize financial goals, especially with significant life events like marriage and home buying, which require substantial expenditures [26][27]. - The article stresses the importance of matching investment types with the timeline of financial needs, advocating against investing short-term funds in high-risk assets [28][29]. - It highlights that understanding the duration of investments is crucial, as some equity funds may take years to recover from downturns [29]. Group 4 - For those aged 40-50, the article points out that this is often a peak income period but also a time of high debt, necessitating a focus on financial security [32][33]. - It suggests that emergency funds should cover at least one year of expenses to mitigate financial crises, especially given increased family responsibilities [34][35]. - The article warns against high-risk asset allocations in the context of high debt, citing historical examples of financial crises [38]. Group 5 - As individuals approach retirement (50-60 years), the article advises a more conservative asset allocation to protect against market volatility [41][42]. - Retirement asset allocation should be tailored to personal circumstances, including income needs and health expenses, with a focus on stability [45]. - The article concludes that while age can guide asset allocation, personal financial situations and risk tolerance are critical factors that should inform investment decisions [50][51].