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].

Core Viewpoint - The article discusses the performance and features of the "Monthly Salary Treasure" investment advisory portfolio, highlighting its recent historical highs and stable returns despite market fluctuations [6][7][72]. Group 1: Performance Overview - The Monthly Salary Treasure portfolio has seen continuous growth, reaching historical highs in July 2025, following a period of low performance in 2022 and 2023 [6][72]. - The portfolio has demonstrated significant excess returns compared to its performance benchmark, achieving an 81.82% quarterly win rate over 11 quarters [7][9]. - The maximum drawdown of the portfolio is limited to -9.13%, thanks to a 40:60 stock-bond allocation strategy [9]. Group 2: Portfolio Characteristics - The Monthly Salary Treasure portfolio is designed to provide approximately 6% annual cash flow, making it suitable for regular financial needs such as retirement or education [12][11]. - The portfolio employs a balanced strategy of 40% stock funds and 60% bond funds, with an automatic rebalancing mechanism to optimize buying low and selling high [18][20]. - Cash flow sources vary depending on market conditions; in bear markets, cash flow primarily comes from bond funds, while in bull markets, it comes from selling appreciated stock funds [31][33]. Group 3: Investment Strategy - The stock portion of the portfolio focuses on value-oriented investments, contributing an annual yield of 4%-5% from dividends, alongside potential price appreciation [35][39]. - The bond portion's returns are influenced by interest rates, with current short-term bond yields around 1.6%-1.7% [55][41]. - The portfolio's rebalancing actions have historically provided additional gains, with notable adjustments made in early 2024 and July 2025 to maintain the target asset allocation [30][62]. Group 4: Accessibility and Cost - The investment threshold for the Monthly Salary Treasure portfolio has been lowered to 200 yuan, allowing for more flexible investment options [64]. - A limited-time 50% discount on advisory fees is available from July 1, 2025, to December 31, 2025, benefiting all holdings during this period [70][71]. - As of July 2025, approximately 96.95% of investors in the portfolio are currently profitable, indicating strong overall performance [72].