大类资产配置理论与实践分析

Analysis of the Theory and Practice of Large-scale Asset Allocation

随着个人财富的不断增长,居民对于资产管理和配置的需求不断提升。大类资产配置可以分散风险,扩大投资范围,实现财富的保值增值,成为资产管理最重要的方式。本文梳理大类资产配置的相关理论,按照风险和收益目标进行区分,结合当前资产配置存在的问题,提出了相应的对策建议。

As the wealth of residents continues to grow,the demand for asset management and allocation is increasing.Asset allocation of large categories can disperse risks,expand investment scope,and realize the preservation and appreciation of residents'wealth;therefore,it has become one of the most important capabilities of asset management.This paper has sorted out the relevant theories about asset allocation of large categories and differentiated them according to the risk or return objectives.Combined with the existing problems of asset allocation,this paper puts forward corresponding policy recommendations.