自2024年9月24日一揽子金融政策落地实施以来，A股市场持续释放积极信号。其中，上证指数表现尤为亮眼，两度站上3800点整数关口，并于近期刷新 十年新高，A股市场升温明显。 截至2025年9月20日，全市场共有40只基金年内净值翻倍，887只基金年内净值涨超50%，超12000只基金实现正收益。在这波上涨行情里，手握基金的基 民们表现如何？证券时报基金研究院联合蚂蚁基金发起了《2025基金投资者偏好与信心调研》，基民们用1980份有效问卷给出了答案。 先看收益：近一年超92%主动权益基民正收益 近一年，主动权益基金一路回升，调研结果显示，超92%的主动权益基民获得了正收益。而把时间拉长看，自投资基金以来，有16.2%的基民靠权益基金 赚了30%以上，41%的人收益落在10%—30%区间。 具体来看，这种转变体现在三个关键策略： 其一，"逢低补仓+定投"构筑双保险，低位布局成共识。面对市场波动，基民没有盲目追涨杀跌，而是以更理性的姿态把握布局窗口。在近一年时间中， 35.3%的基民选择"逢低补仓"，主动把握阶段性调整中的入场机会；41.7%的基民坚持了"定投"策略，通过长期的分批投入来平滑市场波动。这两大主流 ...

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].