Group 1 - The article discusses the expertise of Sensor Unlimited, who has a PhD in financial economics and has been covering the mortgage market, commercial market, and banking industry for the past decade [2] - Sensor Unlimited focuses on asset allocation and ETFs related to the overall market, bonds, banking and financial sectors, and housing markets [2] - The investing group Envision Early Retirement, led by Sensor Unlimited, offers solutions for generating high income and growth with isolated risks through dynamic asset allocation [2] Group 2 - Envision Early Retirement features two model portfolios: one for short-term survival/withdrawal and another for aggressive long-term growth [2] - The group provides direct access via chat for discussing ideas, monthly updates on all holdings, tax discussions, and ticker critiques by request [2]

Core Viewpoint - Certuity, a registered investment advisor with $4 billion in assets under management (AUM), focuses on strategic long-term investments for high-net-worth clients, emphasizing global diversification and a balanced approach to asset allocation [4][5]. Investment Philosophy - The firm prioritizes a five- to seven-year investment horizon, encouraging clients to avoid overreacting to market fluctuations [5]. - Certuity employs a barbell strategy, catering to both ultra-high-net-worth clients (over $25 million) and those with $5 million to $15 million in assets [3][4]. Asset Allocation Strategy - Certuity's model typically starts with a 75% equity and 25% fixed-income allocation, which is believed to yield higher returns compared to the traditional 60/40 model [9]. - Within equities, approximately 65% is allocated to U.S. markets, 20% to developed international markets, and 15% to emerging markets [9]. - Fixed-income investments are primarily in municipal portfolios and core bond funds, with adjustments made for clients seeking additional yield through private credit [10]. Private Market Investments - The firm has a strong belief in private markets, with significant allocations to private equity, private credit, and niche areas like sports investing [6][15][17]. - Certuity is actively involved in sports investing, which is characterized by low correlation to traditional assets and has shown strong performance over the past five to six years [17][18]. Due Diligence and Investment Process - Certuity employs a thorough due diligence process for third-party asset managers, focusing on people, philosophy, and performance [26]. - The firm conducts its own underwriting for private market investments, although it collaborates with third-party consultants for additional insights [28][29]. Future Investment Plans - Certuity plans to launch a drawdown energy infrastructure fund, anticipating increased demand for energy production and transmission [21]. - The firm is also exploring opportunities in venture capital and real estate, areas it has not been active in recently [22].

My mother and father both worked for approx 35 years. But in two years after their retirement and after my sister's wedding, we exhausted the life savings. We are left with zero money.And I kept wondering how is this possible. Today I'm going to share that reason and also my 20 years of investment learnings in the theme seeds of change and the topic why and how learning to invest early can change the fortune of your life. I was fortunate to have born to a loving, caring and humble parents.My mother used to ...

Group 1: ETF Market Developments - Dimensional Funds became the first asset manager to gain approval for an ETF share class of an actively managed mutual fund, indicating a potential trend for other asset managers to follow in 2026 [2] - The Invesco QQQ Trust initiated the approval process to convert from a Unit Investment Trust structure to a more flexible open-end fund, which has been approved [4] - Active ETFs saw tremendous growth, gathering over $400 billion in the first eleven months of 2025, representing approximately one-third of total ETF assets [10] Group 2: Investment Trends and Strategies - Dividend ETFs attracted significant interest, capturing $21 billion of net inflows year-to-date through November, indicating a strong demand for resilient income amidst falling bond yields [4] - The article compared sector exposure differences between popular dividend ETFs, such as the Vanguard Dividend Appreciation ETF (VIG) and the Schwab US Dividend Equity ETF (SCHD) [4] - Innovative, options-based ETFs were highlighted as key risk-mitigation tools during market sell-offs, providing diversification options for investors [5] Group 3: Notable ETF Products - The Avantis suite of ETFs, part of the American Century suite, crossed $100 billion in assets, with funds like the Avantis US Small Cap Value ETF (AVUV) and the Avantis International Emerging Markets ETF (AVEM) being recognized as versatile building blocks for asset allocation [11]

第二种情况就是配置黄金类资产，比如黄金ETF或者实物黄金，黄金作为传统避险资产，核心价值就在 于应对不确定性和对冲通胀，在全球经济不确定性加剧、地缘政治冲突频发的时候，黄金需求通常会增 加，从而支撑金价。如果手里有10万元长期闲置资金，配置不超过20%的黄金资产是比较合理的，比如 通过黄金ETF配置2万元，既能优化投资组合，又能分散单一存款的风险，不过需要注意的是，黄金价 格短期有波动，不适合短期频繁买卖，如果是半年内就要用的钱，不建议投入黄金，所以一旦决定配置 黄金，就要做好长期持有的准备，避免短期波动造成损失。 最后一种选择也可以考虑中低风险的银行理财，国家规定净值型理财成为主流后，虽然不再承诺保本， 但中低风险等级的理财收益率大多在2%到3%之间，10万元投入一年下来收益能有2000元到3000元，比 定期存款高出不少。不过这种方式不建议大家盲目跟风，因为不同银行的理财风险等级不一样，有些产 品虽然标注中低风险，但可能投资了较多的债券资产，存在轻微波动风险，而且现在随着监管的加强， 理财净值披露越来越规范，像很多银行的APP上都会实时更新产品净值，所以大家还是得老老实实、按 部就班的了解清楚产品细则再投 ...

High Income DIY Portfolios: The primary goal of "High Income DIY Portfolios" Marketplace service is high income with low risk and preservation of capital. It provides DIY investors with vital information and portfolio/asset allocation strategies to help create stable, long-term passive income with sustainable yields. The portfolios are designed for Income-Investors (including retirees or near-retirees). We provide seven portfolios: 3 buy-and-hold, 3 Rotational portfolios, and 3-Bucket NPP Model Portfolio. T ...

Core Viewpoint - The capital market is undergoing significant reforms since 2025, shifting from a "savings-led" to an "asset allocation" approach, driven by low interest rates and increasing demand for wealth management [2] Group 1: Financial Industry Trends - The 14th Annual Financial Industry Evaluation, themed "Innovative Services Benefit the Public, Financial Empowerment Starts Anew," has been launched to highlight inclusive financial innovations in 2025 [2] - The evaluation focuses on five dimensions: product innovation, service model upgrades, digital technology empowerment, precise support for the real economy, and value ecosystem protection [3][4] Group 2: Evaluation Framework - The evaluation framework emphasizes the design and implementation of inclusive financial products, assessing whether institutions lower investment thresholds and optimize product structures to meet diverse investor needs [3] - It also evaluates the effectiveness of institutions transitioning from "sell-side sales" to "buy-side advisory," including the establishment of professional asset allocation research systems and personalized service offerings [3] Group 3: Innovation in Financial Products - The selected cases showcase a trend towards "low thresholds, high adaptability, and favorable rates," with leading ETFs reducing management fees to attract investors and promote industry-wide fee reforms [6] - Institutions are increasingly adopting a "full-cycle companion" service model, enhancing service professionalism and customer loyalty through tailored offerings and intelligent tools [6] Group 4: Empowering the Real Economy - Innovative financial tools like asset-backed securities (ABS) are being used to help specialized small and medium enterprises convert technology patents into financing capital [7] - Selected cases reflect a dual focus on technological advancement and social value, integrating financial products with social welfare initiatives [7] Group 5: Upcoming Event - The awards for the "New Wealth New Investment Pioneer Cases" will be announced at a themed event on December 23, 2025, in Guangzhou, showcasing the achievements of various institutions in exploring inclusive financial pathways [8] - The event aims to gather industry insights and promote a consensus on the future direction of the financial sector, emphasizing the importance of compliance and public trust [8]

Core Insights - The article discusses the importance of aligning asset allocation with long-term financial goals, risk tolerance, and time horizon, particularly for retirement planning [3][12][13] - It emphasizes the need for a tailored approach to asset allocation based on individual circumstances, such as income stability, health considerations, and behavioral attitudes towards risk [6][7][8] Group 1: Asset Allocation Considerations - Investors should reflect on their long-term goals for savings, which will inform their time horizon, risk tolerance, and return objectives [3] - A conservative asset allocation may be warranted for business owners or those with fluctuating incomes due to the inherent risks associated with their income streams [5][6] - Health-related expenses can influence risk tolerance; higher expected healthcare costs may necessitate a shift towards more conservative investments [7] Group 2: Risk Tolerance and Behavioral Factors - Willingness to accept risk is crucial; investors must assess their ability to endure market volatility and potential drawdowns [8][9] - The decision to maintain a stock-heavy portfolio should consider the investor's capacity to withstand market downturns without selling off positions [9] Group 3: Retirement Planning and Income Sources - Evaluating retirement readiness involves considering all sources of income, including 401(k) plans, other investments, and Social Security [2] - Investors in their 60s typically hold 40% to 60% of their assets in stocks, but individual circumstances may justify a higher allocation [11] - Aligning overall asset allocation with long-term goals and risk/return objectives is essential, as age alone should not dictate investment strategy [11][12]

Core Insights - The article discusses the expertise of Sensor Unlimited, who has a PhD in financial economics and specializes in the mortgage market, commercial market, and banking industry [2] - Sensor Unlimited contributes to the Envision Early Retirement investing group, which focuses on generating high income and growth through dynamic asset allocation [2] Group 1 - Sensor Unlimited has been covering the mortgage market, commercial market, and banking industry for the past decade [2] - The investing group Envision Early Retirement offers two model portfolios: one for short-term survival and another for aggressive long-term growth [2] - Features of the investing group include direct access via chat for discussions, monthly updates on holdings, tax discussions, and ticker critiques by request [2]

Group 1 - The article discusses the appeal of investing in certificates of deposit (CDs) due to their high interest rates, suggesting that a 5% return with no fees is more attractive than hiring a financial advisor who charges around 1% of assets annually [1][2] - It emphasizes that while CDs offer low-risk, guaranteed returns, relying solely on them may not align with long-term financial goals and objectives [2][4] - The article highlights the importance of a diversified investment strategy, as a financial advisor can help create an asset allocation plan that balances risk and provides liquidity throughout different life stages [4][5] Group 2 - The discussion includes the risks retirees face, such as outliving their assets, and the need for a comprehensive asset allocation that considers longevity risk and unexpected expenses [6][7] - It points out that advisory fees can be justified by the holistic financial planning and management services that advisors provide, which encompass various aspects like Social Security, taxes, and estate planning [7]