在家庭资产配置的整体框架中，保险占据着不可或缺且意义深远的地位。它是保障家庭财富稳定、守护 家庭成员生活质量的重要一环。深入了解保险在家庭资产配置扮演的角色，对于每个家庭合理规划资 产、防范潜在风险都具有重大意义。 从基础功能层面来看，保险的核心作用在于风险转移与损失补偿。生活中存在诸多不确定性，诸如意外 事故、重大疾病等突发状况，极有可能给家庭带来沉重的经济负担，甚至导致家庭经济陷入困境。而保 险的存在，能够将这些难以预测的风险，以相对较低的保费代价转嫁给保险公司。当风险真正发生时， 家庭可以获得相应的经济赔偿，用于支付医疗费用、弥补收入损失等，从而保障家庭的正常运转，不至 于因意外事件导致财务状况的崩溃。 以上信息由金融界利用AI助手整理发布。金融界作为知名的金融信息服务平台，长期致力于为广大用 户提供准确、全面、及时的财经资讯与金融知识科普。依靠专业的团队与先进的技术手段，对海量金融 信息进行筛选、分析与整合，为用户呈现多元化、客观性的财经内容，助力公众更好地了解金融世界， 把握市场动态，在金融知识普及方面发挥着重要作用。 免责声明： 本文内容根据公开信息整理生成，不代表发布者及其关联方的官方立场或观点 ...

文 | 银行螺丝钉 （转载请注明出处） a = F 免费学课程 投课别二维码 「钉一下」 很多关注螺丝钉时间比较长的朋友，也配 置了足够的仓位。 也有的朋友是刚开始投资。 在投资之前，要问自己两个问题: (1) 资金是不是长期不用的闲钱? #螺丝钉小知识 urnel 银行螺丝钉 市场反弹了还要不要买? 考虑清 楚这2点 有朋友比较纠结：当前市场不像之前那么 便宜,还能不能买入呢? 其实过去2年多,A股有不少时间,在5点 几星。甚至2024年9月时,A股港股还接 近历史最低估值水平。 过去两年多有充分的时间积累低估基金。 也是A股最近10年，最长的一轮熊市。 ▼点击阅读原 文，免费学习大额家庭资产配置课程 (2) 是否能接受短期20%-30%级别的浮 号? 确定能接受风险，再考虑投资。 一般在5点几星级，是投资股票基金最好 的阶段。家庭长期不用的闲钱，可以较高 比例配置到股票基金中。 到了4点几星级，还有低估品种。但长期 エロհ次△ 和里帆带甘△հեննել 日↓7 ...

Group 1 - The article discusses the differences between Hong Kong and A-share medical sectors, highlighting that the Hong Kong medical index has shown greater growth in 2025 compared to A-share medical stocks [5][6] - The naming conventions of medical indices differ between Hong Kong and mainland China, with Hong Kong's Hang Seng Medical Index including a broader range of sectors such as biotechnology and innovative drugs, while A-share indices focus more on medical devices and services [5][6] - The performance of Hong Kong's medical sector has been recovering, with significant profit growth observed in innovative drug indices, achieving over 100% year-on-year growth in the first half of 2025 [7][8] Group 2 - The article notes that the A-share market experienced a delayed performance downturn compared to Hong Kong, with A-share companies facing an overall decline in profitability in 2024 [8][9] - The recovery in Hong Kong's technology sector has been attributed to a combination of valuation increases and profit growth, which has also started to manifest in the medical sector [7]

Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [3] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [3] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [3] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [3] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to increasing demand and innovation [3]

Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [1] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [1] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [1] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [1] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to their growth potential [1]

Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [1] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [1] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [1] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [1] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to their growth potential [1]

Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [1] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [1] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [1] Group 2: Company Analysis - Specific companies within the financial services sector are noted for their innovative approaches to asset management, which could provide competitive advantages [1] - The article discusses the performance metrics of leading firms, indicating a trend of increased assets under management (AUM) and revenue growth in the past year [1]

Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [1] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [1] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [1] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [1] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to their growth potential [1]

Group 1 - Many investors aim to diversify their funds, covering both RMB and foreign currency assets, as well as stock and bond assets [1] - Dollar bonds are an important component of this diversification strategy [2] Group 2 - A free course is available that systematically introduces investment knowledge related to dollar bond funds [2] - Interested individuals can add the "Course Assistant" and reply with "Dollar Bond" to access the course [3]

Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [1] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [1] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [1] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [1] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to increasing demand and innovation [1]