Introductive:

Internet finance it may be said is now when red a place with a draught, each bank has his special Internet finance ministry, the mobile phone bank that themselves rolls out, bank on the net is waited a moment, also can be Internet finance platform actually.

But normally the circumstance falls, everybody speaks of Internet finance platform, in the first reaction or A pay treasure, the fortune of Tecent is connected, and Beijing east finance is waited a moment, make the platform of finance of tripartite Internet that roll out by lineal Internet company so.

So this, cast handsome belt to wear everybody jumps over a bank, look to use platform of finance of tripartite Internet only, how to make give a reasonable and effective investment combination.

Investing combination is a baa:

Investment combination, say simply, it is the gather that different asset place forms investor invest in.

Investment combination wants an end, disperse namely through diversity risk. This academic basis basically comes from the contemporary investment of Williams summer general to combine theory.

This academic basis is, experience considers to discover, two invest a product, if the risk is identical, investor can pick income tall that. If earnings is same, investor can choose a venture low that.

Laotie sees this is not worn urgently, of this tower younger sister still use research?

Had not said ah, investment combination, the asset that carries different investment product namely is configured, make give a relatively single product, integral risk is lower, the effective combination with higher income.

The meaning that alleged and significant investment combines is, below similar venture, the profit that cannot another combination compares it is higher; Below same earnings, the risk that cannot another combination compares it is lower. Otherwise you are combined this even if disable.

So magical? How accomplish?

This is about to introduce the idea of a dependency.

Small stick person: What is dependency.

Say simply, dependency is different affect each other between investment product, with the associated sex that goes up to drop together.

Suppose, have two investment product, a and B.

If A goes up, criterion B also goes up, so it is positive two close;

Extreme circumstance, a goes up 10% , b also can go up accordingly 10% , call complete positive to close, correlation coefficient is 1;

Conversely, if no matter how A goes up,drop, b a bit does not suffer any effects, cry complete not relevant, correlation coefficient is 0;

Same, if A goes up, b can drop, close for negative. S

The picture comes from a network

Contemporary investment combines theory, pass two namely or many relevant degree of inferior asset, composition invests combination, achieve a risk the end with relatively individual lower assets.

Invest configuration train of thought of combination

With respect to the disbursement that is familiar with most with everybody treasure is exemple, make clear above all a bit, paying treasure is one sells goods on a commission basis only platform, itself does not provide service of asset rise in value. Everybody is in pay conduct financial transactions, fund is bought on treasure, or other product, with be in what the bank buys or fund company buys, it is euqally same and same, do not need completely to have worry to the security of the product.

Next, pay the fortune of treasure column, it is cent is a product " remaining sum treasure " , " fixed " , " fund " , " gold " 4 kinds. (its stock, can see prices only, cannot trade, be disregarded optionally. )

Specific how should be configured?

Above all, from fluidity consideration, remaining sum treasure still is to need option.

Often somebody asks: Remaining sum treasure year change accrual to be not worth 3% , be still worth investment?

Projecting handsome result is: Undeserved investment, but still be worth configuration.

Configure remaining sum treasure, those who value is not its accrual, however he is had be equal to use a sex at the Gao Liu of cash almost, rely on the powerful disbursement below the line on the clue that give is made in A function, with 1w less than real time arrives the convenience of Zhang is quick, at the same time capital from remaining sum treasure inside, still need not suffer any caustic lost territory explain buy the other economy product that pays Bao Ping the stage.

So whenever, the account of remaining sum treasure should be not worn for nothing; This share capital resembles you " motor-driven team " , maintain its high liquidity, not only it is to be consumed at ordinary times use, it is to appear when new investment opportunity more when, can move contributive gold in time, avoid to miss good opportunity.

If be opposite liquidity demand is higher, for instance the near future may use partial fund at any time, in also can considering to be connected in remaining sum treasure and small letter pocket money, each deploy partial capital, once have demand, every fund is daily real time is redemptive the forehead spends 1w, the instant 20 thousand in one's hand, dissolve the crisis easily.

Next, fixed conduct financial transactions, the attention grows short term fault to match.

Those who pay treasure to go up is fixed, belong to low risk or be medium the conduct financial transactions of low risk, below normal circumstance, capital safety still is the question is not big. The investment of this part belongs to dovish investment, be similar to you " bodyguard team " , the purpose is to be below the circumstance that big probability assures to capital does not have care, firm quietly gets reasonable income.

All be low risk or in low risk product

Those who need an attention is, the agreement of fixed conduct financial transactions once become effective, close period inside investor is cannot one-sided terminates a contract. For yield of give attention to two or morethings and liquidity risk, fixed conduct financial transactions, suggest cent is two parts, respectively product of long-term conduct financial transactions and short-term logic property taste invest in.

Generally speaking, product of fixed conduct financial transactions, in other venture same situation falls, time is longer, year change yield taller. Invest in is long-term the part of conduct financial transactions, namely do not use fund temporarily, it is cost with sacrificial fluidity, exchange a relatively satisfactory earnings level.

And invest in is short-term the part of conduct financial transactions, it is the maneuverability that should keep certain, after expiring if have other demand, move come out to turn to be used for him, otherwise, the next of scroll invest in is short-term conduct financial transactions.

Capital program, fight with resort to arms same, somebody is in charge of be being raided by force, have to responsible feign moves somebody. Partial capital maintains liquidity, have to partial capital seeks high income.

The 3rd, fund invests, the high income below high risk.

Of the investment mark as a result of fixed conduct financial transactions in, include many fixed income product, think from dependency, fund should not choose bond fund again.

That is to say, since configured fixed conduct financial transactions, criterion fund should choose balance fund at least even stock fund. Fixed conduct financial transactions is in charge of keeping partial earnings, fund respect is about to be in charge of radical above quota partial earnings.

Fund photograph compares fixed conduct financial transactions, wind strategic place is much taller, be in decision-making when, the alternative that must want those who value the opportunity of investment and investment bid.

For instance, if think grail is in now low, can configure stock fund; If go to future situation, hold not clear, can choose balance fund.

If stock fund does not have clear investment direction, OK also and dispersive at different type, grow model, value, index, each is nodded, such no matter grail angle is started from which, unapt step empty.

This share capital, be you " vanguard " , for your charge forward, attack a city to unplug stockaded village. They may encounter snipe, may be immersed in ambuscade, but they are to build result the important safeguard that establishs line of business, it is to get above quota the main force of accrual.

Finally, the low dependency of gold and other product, it is the prime cause of configuration.

Paying treasure also can invest gold, although it is cast, is not objective gold, however gold fund, but the dependency with the stock market, bond is inferior, this, do not have a change.

Often somebody asks, can gold still rise?

The right answer of this problem is: Do not know.

Because of precious metal go situation, suffer the effect of too much element, make the judgement with accurate essence very hard. At present 1300 right-and-left positions, either the history is low, but be apart from the historical perch of 1921 likewise very far also.

Odd from go up look, gold is not a good investment product. From 2010 up to now, of gold year go up, had not achieved once 20% ; Steeped fall that 2013 however instead, drop achieved 28% .

However, even if gold does not rise, still have the value of configuration. Because international gold price is of dollar valuation, although golden price and dollar classics regular meeting appear,the negative with this disappear chief the other party involves a sex, in foreign currency control strict with each passing day instantly, configuration gold, still can regard as configured dollar assets, and be not of limitation the sort of.

Laotie does not understand, meaning of this paragraph of what? A simple case, be in last year in July, the gold of dollar valuation drops drop endlessly when, the gold of RMB valuation not only go low without synchronism, be in instead walk out of upgoing trend. You consider among them implication again, this word does not have a law to say too fine ah.

So, gold is you " total reserve force " . Configuration gold, saying with its is to go after above quota accrual, be inferior to saying, it is the natural money property that uses gold, avoid the inflationary risk with this potential money and exchange rate risk.

The feeling that the hand holds gold is safe

The investment that such construction give is combined, the fluidity with maintained certain and fight inflationary sex, dispersed effectively at the same time assorted venture, and the angle of pair of high income can maintain on certain level, into can attack, retreat can defend.

Invest assorted meaning

Laotie may pay no attention to solution, internet finance platform, the fixed position of itself is small small conduct financial transactions, capital is measured so dot, invest dispersedly, make investment combination, significant still? Altogether so dot money, is need so troublesome?

Cast handsome think, as long as it is the economy that considers from capital gross, must want construction to invest combination, dispersive risk, increase profit; The size of this and capital gross has nothing to do.

The quantity has generous to invest a method greatly, the amount is small have hidebound method, want to undertake investing assorted design, it is the product in combination is mixed only at most occupy than differring just.

There is product of what conduct financial transactions on capital market is apple-pie, want to think integratedly from venture gains, even safety of capital of give attention to two or morethings and liquidity demand, investing combination is must.

Investment combines theory, it is the main base with contemporary decision-making investment. Its great wisdom is in, depend on, admit manpower faces the finite sex when the market, vicissitude of the market forever sealed, the person is impossible to forecast vicissitude of the market accurately, capture each of the market advantageous wave motion. Investment is the so most significant, it is to reduce a risk, fall uncertainty to lowest.

A lot of people cannot understand, since A is worth bovine city, go up well, why cannot complete storehouse detain enters A, configure one part to go up far from even, where is the asset B that still drops even?

Because do not have a person to know A can go up all the time, can go up how long, also did not know when B begins to erupt, can step empty. This kind of configuration, it is to reduce you to invest integral risk of combination.

Asset configures brought bottom energy of life, it is the risk that all sorts of bolt, cannot me knockdown.

Someone says, earn a lot of money so less. Right, reduce a risk while, the likelihood is to be able to give one share earnings, as cost. Want to know, the key of investment, when it is good to do not depend on prices, how many can you earn, depend on however, once change of weather, you whether live go down, wait to issue the arrival of the opportunity one round.

For instance, a lot of loan fry a room now, in the hand ten even of a few flatlet have, still borrow every months, it is the number of a tongue of sip making a person. Before house price rises madly, these person earn are most. But now once cover prison, the money that earns before them, not only should return the market intactly, the likelihood affixes total saving even, compensate lose a family fortune.

Without the single asset configuration of diversity, in the storm of the market, can't bear biff at all, have bit of a sign of disturbance or trouble a little, can let a person all one's previous efforts wasted. Through diversity only configuration makes the significant investment that give combine, ability reduces a risk effectively, implementation fortune lasts for a long time the purpose of appreciation.

I am Renyili wisdom cast, head office of state-owned commercial bank registers international to invest an analyst, welcome everybody to discuss communication each other about the issue that invests a respect. Code word is not easy, each Laotie sees this, might as well nod an assist to go again. PS: What am I small make up, if disrelish ID too long, must have the word of a nickname, call me to cast handsome. . .