资产配置向导

五个风险等级的示例配置，以及10年指示性复利路径。一般信息，并非针对您的推荐。

Example allocations by risk level

General information only. These are textbook examples for each risk level, not a recommendation for you. They do not take your goals, finances or needs into account. Consider speaking with a licensed financial adviser before you invest.

Which band do your answers fall in? · 0/6

1. 您的投资期限是多久?

2. 假设您的组合一年内下跌 25%,您会怎么做?

3. 您如何评价自己的投资知识?

4. 您流动净资产中投入本组合的比例是多少?

5. 哪种收益/风险画像最具吸引力?

6. 未来 12 个月内您是否需要动用这部分资金?

Pick a risk level above to see an example allocation, or answer the six questions to see which band your answers fall in.

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.

每个实验室都基于标准教科书数学（Bodie / Kane / Marcus、Fabozzi、Tandelilin）。 Read the full methodology in the How It Works panel above.