Core Insights - The article emphasizes the importance of stability in wealth accumulation, highlighting the National Social Security Fund's (NSSF) consistent performance and investment strategies as a model for individual asset allocation [1][2]. Group 1: NSSF Performance and Strategy - The NSSF achieved a positive return in 2023, with an average annual investment return of 7.36% since its establishment in August 2000, accumulating a total investment return of 1,682.576 billion yuan [1][2]. - The asset allocation of the NSSF is categorized into three main types: equity assets, bank deposits and government bonds, and corporate and financial bonds, with specific allocation limits [2]. Group 2: Asset Allocation Framework - A scientific asset allocation method suitable for ordinary users includes four key steps: defining aggressive investment limits, dynamic management of equity positions, balanced style allocation, and continuous product optimization [2][3]. - The TREE asset allocation system by China Merchants Bank focuses on the first two steps, providing personalized recommendations based on clients' wealth stages and risk levels [2]. Group 3: AI Optimization and Tools - The Tianchen AI optimization system addresses the latter two steps, ensuring a comprehensive investment approach that adapts to market changes by optimizing portfolio structures [3]. - The system allows for a balanced style and product optimization, helping clients manage their investments more effectively [3]. Group 4: Practical Solutions for Ordinary Investors - For individuals with limited funds, dynamic asset allocation can be challenging; thus, utilizing professional tools and systems is recommended to simplify the process [4]. - The TREE Changying Plan is an example of a comprehensive asset allocation solution that employs a fund-of-funds (FOF) strategy to achieve stable performance [5][6]. Group 5: Investment Knowledge and Mindset - Investment is not solely dependent on the amount of money available; understanding asset allocation is crucial regardless of the investment size [7]. - Individuals should categorize their funds into functional and investment accounts, ensuring that their financial needs are met before engaging in investment activities [7].