Speaking of asset allocation, fund company says assets in the percentage into stock funds, how many percentage into bond type or money funds; securities company will recommend asset allocation in stocks, bonds and funds; the bank staff will recommend the asset allocation in the bank's financial products; insurance marketing personnel are will provide advice to the customer in the asset allocation of security of insurance and investment type insurance dividends...... If these recommendations were to jump out of a window, which is related to the interests of individual departments and their. From the fundamental interests of investors, these asset allocation recommendations only as a reference, the real from the angle of investors in the asset allocation should be carried out in neutral perspective in the wider field of vision of the asset allocation.
A wider field selection for each type of asset has its reasonable one side, also has the side of its limitations. Such as the well-known fund, if the securities investment fund, that is only in the securities market within the scope of investment, when the stock market fluctuation, the fund may not be the best investment tools, while in other markets, but there will be another kind of investment products are more able to meet investor need. If we will asset allocation view more wide some, can choose space will be more rich, more diverse, and more able to meet our financial needs.
Investment should consider liquidity in our asset allocation, must have a stable income products part, this part of the assets of the investment objective is expected to get almost no risk, stable investment returns. Due to the stable income products is not high requirements for investors to professional knowledge and skills, investors need not consider too many types are investment products, can be completely involved in itself is not very familiar with the product categories, only need to consider the liquidity and expected to be investment assets, income or whether, optimal in the same type of products.
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