4点几星级，我们应该怎样做资产配置呢？｜投资小知识

Group 1 - The article discusses the potential for stock assets to experience a decline of 30%-40% even when reaching a 4-star rating [3] - It emphasizes the importance of determining the stock-bond allocation ratio, suggesting a maximum allocation of "100-age" for long-term unused funds, which means a 40-year-old should allocate approximately 60% to stocks and 40% to bonds [4] - The article mentions that at a 4.2-star rating, there are still undervalued stocks available, particularly in value-style indices, and suggests considering "fixed income +" products like monthly salary treasure and 360-day advisory combinations [6] Group 2 - The article outlines five advisory combinations available, including index enhancement, active selection, 365-day, 90-day, and monthly salary treasure advisory combinations, which can assist in asset allocation [7]