规划财富人生：不同阶段的资产配置策略

Group 1 - The article discusses the importance of adjusting investment strategies based on different life stages, emphasizing that financial goals and priorities evolve over time [1] - It introduces the "100 Rule," which suggests that the percentage of stocks or high-risk assets in an investment portfolio should decrease as one ages, starting with 70% at age 30 and dropping to 60% at age 40 [3][4] - 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 [4][6] 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 [8] - This age group is encouraged to develop a habit of regular investing and to understand their risk tolerance through trial and error, as they have a lower cost of making mistakes [8][9] - Regular assessments of risk tolerance are recommended to ensure accurate self-awareness [9] Group 3 - In the 30-40 age range, individuals are likely to have more stable careers and savings, but they also face significant life events that require prioritizing financial goals [10][11] - The article stresses the importance of aligning investments with short-term and long-term financial needs, advising against putting short-term funds into high-risk assets [12] - It highlights the need for careful planning regarding the duration and amount of investments based on upcoming financial requirements [12] Group 4 - For those aged 40-50, the article emphasizes the importance of safety in asset allocation due to increased financial responsibilities and potential crises [16] - It suggests that emergency funds should cover at least one year's worth of expenses to ensure financial stability during unexpected situations [16][19] - The article warns against high-risk investments in the context of high debt levels, as this can lead to financial vulnerability [19] Group 5 - As individuals approach retirement (50-60 years), the article advises a more conservative investment approach, focusing on liquidity to avoid market downturns affecting retirement funds [21] - It notes that retirement asset allocation should be tailored to personal circumstances, including lifestyle desires and health needs [23][27] - The article concludes that asset allocation should be personalized, taking into account individual financial situations, responsibilities, and risk tolerance rather than relying on generic formulas [28]