Core Viewpoint - The article introduces the "Xueqiu Three-Point Method," which enhances traditional asset allocation by incorporating global asset allocation and dynamic rebalancing strategies [2][42]. Group 1: Asset Allocation - The "Three-Point" method consists of asset diversification across stocks, bonds, and commodities [3][42]. - It emphasizes market diversification by investing in different regions such as A-shares, Hong Kong stocks, and US stocks [3][42]. - The method also includes timing diversification through regular investment (dollar-cost averaging) [3][42]. Group 2: User Experience - The tool is designed to be user-friendly, allowing investors with limited knowledge to create a portfolio that outperforms benchmarks [4][5]. - Users can manually adjust asset allocation based on their preferences after an initial questionnaire [9][11]. - The platform offers a curated selection of high-quality funds, simplifying the selection process for users [12][25]. Group 3: Fund Selection Process - Users can choose from a pool of recommended funds or opt for a pre-assembled portfolio [12][13]. - The platform provides detailed information and tags for each fund, making it easier for users to understand their investment options [24][25]. - The tool allows for the selection of various fund types, including index funds and overseas investments [16][18]. Group 4: Rebalancing and Performance Tracking - The "Three-Point Dashboard" provides weekly updates on asset valuations and market sentiment, aiding in rebalancing decisions [30][39]. - The dashboard tracks multiple key indicators to inform users about market conditions and potential adjustments [41][42]. - The article highlights a successful reallocation based on the dashboard's recommendations, demonstrating its effectiveness [32][37].