最后一天了，简单聊下，今天会有抽奖，但先说标题的事儿。 先说我自己吧。 今年个人最大的收获，一共是三件事。 第一件事，今年是跟投表韭投顾组合的第一个完整年份 ，最值得欣喜的一点在于，下图，根据雪球提供的最新数据，截至目前，一起跟投几个 组合的伙伴们，绝大多数都是盈利的状态（在天天基金上，组合的盈利比例数据，亦为公开信息）。 作为一同参与组合跟投的投资者中的一员，我自己的两个体会在于： 其一，跟投表韭这样，坚持地区分散、均衡配置、多元资产的投顾组合，很难亏大钱，当然，也很难赚大钱，它适合那些希望能够相对平稳地， 穿越周期，拉长来看，能学会理性的投资理念，并获得一定财富效应的人群； 其二，表韭投顾组合，可能是你能看到的，包括基金投顾在内的所有金融产品中，过程化的内容陪伴，最贴身最用心的之一，因为，投资的本质 之一，是对抗人性，而穿越周期的前提，在于你能够用合理的姿势、平稳的心态，保持在场。 在投资这条路上，希望我们能肩并肩走下去，一起学习，共同进步。 ...... 第二件事，今年同样是我们创设的知识星球，表舅和表舅的朋友们，度过的第一个完整年份 ，我们很高兴地看到，截至目前，已经有8500多位 的伙伴，加入了这一 ...

Core Viewpoint - The article discusses investment strategies for a personal investor with 5 million yuan in idle funds, emphasizing the importance of safety and realistic return expectations in the current market environment [2][4]. Investment Strategy - The investor has a time horizon of at least 3-5 years and seeks to maintain capital safety while accepting a 10-15% volatility with an expected annual return of 5-6% [6][10]. - Achieving a 5-6% annual return while ensuring capital safety is possible but not guaranteed, as it may involve accepting potential capital losses [6][7]. Asset Allocation Recommendations - Certain products should be avoided, such as insurance products due to their complex terms and low returns, and short-term debt or cash products which do not meet the return expectations [12][13]. - Recommended investment options include: - Bank wealth management products, particularly those with multi-asset strategies, which can provide better risk-return profiles [13]. - Securities firm asset management products that offer fixed income plus strategies, requiring careful selection and professional advice [13]. - Public and private equity products, as well as broad-based indices, which can be suitable for long-term investment but require professional guidance for selection [14]. Specific Investment Suggestions - The investor is advised to allocate funds into a diversified portfolio, with a suggested allocation of 25% in global assets, 25% in quantitative strategies, and 50% in fixed income [19][20]. - The investment should be executed in phases, with an initial investment of 30-50% of the total amount, followed by gradual investments based on market conditions and advice from the investment manager [23][24]. Conclusion - The article emphasizes the importance of understanding the risks involved in investment and the need for a well-thought-out strategy that aligns with the investor's financial goals and risk tolerance [9][22].

Core Viewpoint - The article discusses asset allocation strategies for individual investors, particularly focusing on a case where an investor has 5 million yuan to invest with a preference for safety and moderate returns [6][9]. Group 1: Weekly Highlights - The article mentions a weekly selection of posts from a community, highlighting key topics such as bond market adjustments and investment strategies [4][5]. Group 2: Investment Strategy Discussion - An investor inquired about how to invest 5 million yuan with a focus on capital safety and a target annual return of 5-6%, while accepting a volatility of 10-15% [8][12]. - The article emphasizes the importance of understanding potential risks and the reality of achieving desired returns, noting that a conservative approach may yield around 3% annually without market risk [12][13]. - It is suggested that the investor should avoid certain products like insurance and short-term debt due to their unsuitability for the investment horizon and return expectations [17][18]. Group 3: Recommended Investment Products - Recommended investment options include bank wealth management products, especially those with multi-asset strategies, and broker asset management products that offer higher yield potential [18][19]. - Public funds with fixed income and index products are also suggested, with a focus on broad-based indices and ETFs to minimize risk [19][20]. Group 4: Portfolio Allocation Advice - A proposed allocation strategy for the investor includes a mix of global, quantitative, and fixed-income products, with a suggested risk tolerance level of moderate [21][22]. - The article highlights the benefits of diversified investment through professional management, while also cautioning about the risks of relying on a single manager's strategy [24][25]. Group 5: Practical Investment Steps - The article advises the investor to initially invest 30-50% of the total amount and to gradually deploy the remaining funds over a period of 6 months to 1 year, allowing for better market timing and emotional management [25][26]. - It emphasizes the importance of learning from the investment process and developing a solid understanding of market dynamics through engagement with professional advisors [26][27].