Lazy Money Management = 50% Stability + 25% Stable Attack + 25% Attack

Formula interpretation: half of the funds to buy low risk Conduct financial transactions Products are used for capital preservation, half of which are invested in stocks and funds for risk gains. Sun Ya has worked in a foreign company for more than a year. She put half of her money in low-risk financial products such as RMB financial products and money market funds. The remaining half capital It is divided into two parts: "steady attack" and "strong attack". For the former, sun Ya selected some more profitable financial products, the annual yield of 5%-10% was different, and the other 25% grew into a growth type. shares And equity funds.

　 Risk taking =100- age "

Formula interpretation: when active investment is made, the proportion of risk taking can be used as a reference for fund allocation. Wei Qian, who has worked in a bank for nearly 4 years, has studied finance quite well. "The age of risk =100-" is the first principle she followed. At the age of 26, Wei Qian has invested 74% of her idle assets in high-risk investments, mainly in stocks, and the remaining 26% as a conservative investment operation. Over the past two years, the yield has been maintained at over 15%.

　　 "The fund invested in the formation of the football team, 4 one 3 one 2 one 1".

Formula interpretation: draw on the football team formation, the allocation of fund investment share, play the role of dispersing the wind. Liang Yan's way of financing is relatively simple, with only one fund invested. She transformed her fund investment into a "4-3-2-1" football team formation, that is, 40% of funds to buy stock funds, 30% of funds to buy hybrid funds, 20% of funds to buy money market funds, and 10% of funds to buy bond funds.