投资目标

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基金如何进行资产配置?
Sou Hu Cai Jing· 2025-08-06 05:25
Group 1 - The core idea of fund asset allocation is to diversify investments across different types of funds to achieve a balanced risk-return profile [1] - Different types of funds exhibit distinct characteristics; for instance, equity funds can yield high returns in bull markets but face significant risks during downturns, while bond funds provide stability and act as a buffer during market volatility [1] - Investors must clarify their investment goals and risk tolerance, which influence asset allocation decisions, such as whether to prioritize short-term gains or long-term savings [1] Group 2 - Asset allocation is not static; it requires regular evaluation and adjustment based on changing market conditions, macroeconomic factors, and policy shifts [2] - When the proportion of a specific asset class deviates from its initial target due to market movements, adjustments should be made to restore the desired allocation [2] - Considering the correlation between funds is crucial; selecting funds with low correlation can enhance the effectiveness of asset allocation and reduce overall risk [2]
年化10%这个投资目标很难吗?
集思录· 2025-06-22 15:05
Group 1 - The core investment goal is to achieve long-term compound growth while avoiding significant losses, as a single large loss can negate previous high returns [3][11] - The investment industry is characterized by slow changes and relies heavily on experience, which compounds over time, making it a lifelong career option [1][3] - Setting specific return targets may lead to distorted actions and imbalanced mindsets; instead, a desirable wish for returns, such as a 15% annualized return, is more appropriate [2][11] Group 2 - Achieving a stable annualized return of 10% is considered a significant accomplishment, especially in a market where many struggle to outperform the index [11][12] - The importance of risk management is emphasized, with a focus on maintaining profits and avoiding substantial capital losses during market downturns [3][11] - The discussion highlights that while high returns can be achieved in the short term, maintaining consistent long-term performance is much more challenging [14][15]
金融破段子 | 不要因为别人都在交卷,自己就乱写答案
中泰证券资管· 2025-03-17 09:23
于是就来到了第三个确认点, 你得明确自己的买入理由 ——是因为别人、尤其是非常厉害的人说这个方 向有机会所以你打算跟进,还是K线的走势让你意识到机会来了,抑或是你的认知和某一时刻的价格终于 出现了可匹配的状态,让你产生了买入的动力。 要知道,自乱阵脚往往才是失败的起点。 很久以前看过一篇心理学的研究,大意是为什么看到身边朋友赚钱比自己亏钱更失落。虽然有些人性特点 是刻在基因中的烙印,但投资中必须不厌其烦地提醒自己,投资的目标是赚钱,而不是比别人赚更多的 钱。一旦明确了以赚钱为目标,那么就会意识到可靠的支撑是自己的高置信度。相反,如果只是因为眼红 别人的收益而匆忙入场,大概率是亏钱而不是赚钱离你更近。 确认自己没乱写答案,还得问问自己, 有没有做好"买入就被套"的准备。 从来都没有只涨不跌的行情,尤其是在情绪高涨的情况下,个股的波动只会更大。即使你的大方向判断没 错,也有可能因为阶段性的波动而出现"买入就被套"、甚至连跌好几天的情况。如果此前对于这一情况全 无准备,此时想必会异常纠结,究竟是走是留还是加大买入。相反,如果早有预案,应对也就没那么难 了。 小编有一个朋友,是那种特别能折腾、想法也总变的人。 年前他 ...