Trình hướng dẫn phân bổ tài sản

Sáu câu hỏi, một phân bổ được đề xuất. Lộ trình lãi kép 10 năm tham khảo theo lợi nhuận kỳ vọng của hồ sơ.

Risk profile · 0/6

1. What is your investment horizon?

2. Imagine your portfolio drops 25% in a year. What would you do?

3. How would you rate your investing knowledge?

4. What share of your liquid net worth is going into this portfolio?

5. Which return / risk profile is most attractive?

6. Will you need any of this money in the next 12 months?

Answer all six questions to see your recommended allocation.

Asset allocation - how you split money across stocks, bonds, cash, and alternatives - explains the vast majority of portfolio variation. Studies suggest 80-90% of long-run return variation comes from allocation, not stock-picking. This wizard surveys your goals, horizon, and risk tolerance, then suggests a model portfolio plus a 10-year backtest.

Mỗi Lab dựa trên toán học sách giáo khoa tiêu chuẩn (Bodie / Kane / Marcus, Fabozzi, Tandelilin). Read the full methodology in the How It Works panel above.