Three Classic Portfolio Models

"It's best for you," Reed, a financial planner, often reminds investors, but many people are still confused about how to choose their portfolios reasonably.

Due to the different financial and financial objectives of individuals and families, the general individual and family investment portfolios are also different. They are basically divided into three modes:

Conservative portfolio

Suitable for people: low income, pursuit

A conservative security portfolio has low investment risk and relatively stable return on investment.

In terms of product selection, it is biased towards high security, low returns, but high liquidity.

The proportion of investment funds is as follows: Savings and insurance 70%, of which savings accounts for 60%, insurance accounts for 10%; fixed income management 20%, such as monthly yield 0.77% of Yisheng monthly profit; other investment 10%, such as gold collection.

Jiaxing Reed financial planner said savings, insurance and fixed income management are all stable and risky investments. Even if the investment fails, it will not affect the normal life of individuals or families.

Suitable for people: above average income, greater risk tolerance, and hope that wealth can grow rapidly.

A steady and progressive investment portfolio is suitable for individuals and families who do not meet the need to secure stable returns and hope that wealth can grow rapidly.

The proportion of investment funds is as follows: Savings and insurance 40%; fixed income management 20%; stock investment 20%; other investment in gold collection 20%.

Jiefong Reed financial planner suggests that this kind of portfolio can get married to a 35 year old family with great energy and investment failure. It can afford to continue to invest, and the 45-50 year old children get married, families are basically free from burdens, and there are some families left at hand.

Suitable for the crowd: rich income, strong financial strength, investment without worries.

Adventure fast moving investment portfolio is suitable for those high and new classes. Families have a lot of wealth, monthly income is higher than expenditure, and some high-risk investments are made for household idle funds, but also high returns are obtained.

The proportion of investment funds is: Savings and insurance 20%; stock investment 30%; real estate and futures investment 50%.

But for the stock market investment, if the small investors want to make steady profits in the stock market, it is suggested that they can take part in the investment of certain incremental financial products of some institutions. For example, Jiaxing Reed - the optimal fixed increase fund, indirectly invest in the stock market, not only the investment threshold is lower, the priority income is 8.5% -36.5% (or higher), but also much safer than the direct investment into the stock market.

The above three investment portfolio models are for reference only.

In addition, Jiefong Reed financial planner suggests that in the actual operation of the investor, the proportion of investment funds should be allocated according to the actual investment funds and risk bearing capacity until the most suitable investment portfolio mode is found.