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浅析五类典型的理财模型及其原理

2020-02-07 14:38 来源:未知 作者:石家庄生活网1
浅析五类典型的理财模型及其原理

浅析五类典型的理财模型及其原理

 

福彩3D助手 MEINIANJIATINGYOUDUOSHAOJINGSHOURU?ZHEIXIEZICHANDOUTOUZIZAINAXIELINGYU?GEZIZHANBISHIDUOSHAO?JIATINGFUZHAIDUOSHAO?ZHUYAOFUZHAIZAINALI?……GUANYUJIATINGZICHANPEIZHIJUTIQINGKUANG,HENDUORENDOUYILIANMENGDONG。BINGBUSHISHUODAJIADUIJIATINGSHOUZHIQINGKUANGBUZAIHU,ERSHIYINWEIRENDEJINGLIBIJINGYOUXIAN,HENNANDUIJIATINGZICHANDEFANGFANGMIANMIANBAKONG。YIXIASHICHANGJIANDEZICHANPEIZHIZUHEMOXING:

一、金字塔型

在金字塔型资产结构的客户资产中,根据资产的风险度由低到高、占比越来越小的金字塔型结构的安全性、稳定性无疑是最佳的。

福彩3D助手 CONGTADIDAOTAJIAN,LICAIJINZITAFENWEISICENG,YICIWEIBAOZHANGZUOYONG、XIANJINZUOYONG、TOUZIJIAZHIHECAIFUCHUANCHENGJISHEHUIJIAZHI。MEIGERENKEYIGENJUZIJINIANLING、SHOURUZHUANGKUANG、ZICHANZHUANGKUANG、SHOUJIAOYUCHENGDUYIJIZISHENDETOUZIJINGYANDENGXUANZESHIHEZIJIDELICAIFANGSHI。

DICENG:SHUYUWENJIANXING,DABUFENRENJIANGZIJINZONGLIANGDE40%FENPEIZAIDIYICENG,BINGQIEBENCENGDEZIJINBUYONGYUZHUANQULIRUN。ZIJINYUNYONGBAOKUO:SHILIANGDEYINXINGCUNKUAN;GOUMAIWENJIANDEZIBAOXINGBAOXIAN;GUOZHAIXIANHUOHEZHENGFUZHAIQUAN;FENGXIANDIDEBUDONGCHANTOUZIHEDUOYUFANGCHANCHUZU;ZAIKANQINGSHANGSHENGQUSHIDEQINGKUANGXIASHIDANGGOUMAIWAIHUIXIANHUIHUOXIANHUOHUANGJINDENG。

DIERCENG:ZAIZUOHAODIYICENGCIDEZIJINANQUANPINGZHANGHOU,WOMENJIUKEYIBUZHIDIERCENGDEBAOZHIXINGTOUZIXIANGMU,GAICENGZIJINLIANGFENPEIWEIZONGZIJINLIANG30%,ZAIZHEIGECENGCIZHONGYINGGAIPAICHUTOUJIXINGDECHAOMAI、CHAOMAI,RENGRANYIWENJIANXINGDETOUZIWEIZHU。KEGONGXUANZEDEXIANGMUBAOKUO:QIYEZHAIQUAN;ZHAIQUANJIJINHUOZONGHEXINGTOUZIJIJIN;WENJIANDESHIYETOUZI;RENGOUYIJISHICHANGXINGU;KEZHUANHUANZHAIQUANDENG。

DISANCENG:ZIJINLIANGFENPEIWEIZONGZIJINLIANG20%DEBILI。KEGONGXUANZEDEXIANGMU:GUPIAOJIJINHEJINQUXINGDEGANGGANJIJIN;HUOYUEDETOUZI、TOUJIXINGGUPIAO;RENGUQUANZHENG;TOUZIETFHUOXINGYEETFDENG。

DINGCENG:ZIJINLIANGFENPEIWEIZONGZIJINLIANGDE10%。KEGONGXUANZEDEXIANGMU:SHANGPINQIHUO、GUZHIQIHUOHEQIQUAN;YIBAOZHENGJINXINGSHIDEWAIHUIHEHUANGJIN、BAIYINMAIMAI;DUANXIANYIJINGCHAOGAODEHUOYUEQIANGSHIGU;GUPIAODERONGZIHERONGQUANHUOZHUANRONGTONGDENG。

二、标准普尔家庭资产象限图

它被公认为是最具权威、最科学稳健的资产分配方式之一。标准普尔家庭资产象限图建议人们把家庭资产按一定的比例分配为四个账户:现金资产、保障资产、投资资产和稳健资产。通过这种配置,可以使家庭资产在风险和收益上达到较为平衡的状态,既拥有一定的风险抵抗能力,又能使资产稳步升值。

ZHEIGEMOXINGJIDAJIATIGONGLEZICHANPEIZHIDEDAZHISILU,ZAIJINXINGZICHANPEIZHIDESHIHOU,ZHISHAOYAOZAIZHEIJIFANGMIANDUOJIAZHUYI:

福彩3D助手 DIYIGEZHANGHUSHIRICHANGKAIXIAOZHANGHU,SHIYAOHUADEQIAN,YIBANZHANJIATINGZICHANDE10%,YONGYUJIATING3~6GEYUEDESHENGHUOFEI,YIBANFANGZAIYINXINGDEHUOQICUNKUAN、HUOBIJIJINZHONG。

福彩3D助手 DIERGEZHANGHUSHIGANGGANZHANGHU,SHIBAOMINGDEQIAN,YIBANZHANJIATINGZICHANDE20%,ZHUANMENJIEJUETUFADEDAEKAIZHI。ZHEIGEZHANGHUZHUYAOYONGYUGOUMAIYIWAISHANGHAIHEZHONGJIBAOXIAN,YINWEIZHIYOUBAOXIANCAINENGYIXIAOBODA,200YUANHUAN10WAN,PINGSHIBUZHANYONGTAIDUOQIAN,YONGSHIYOUYOUDABIDEQIAN,HELEERBUWEI?

福彩3D助手 ZHEIGEZHANGHUPINGSHIKANBUDAOSHENMEZUOYONG,DANSHIDAOLEGUANJIANDESHIKE,ZHIYOUTACAINENGBAOZHANGNINBUHUIWEILEJIYONGQIANQUMAICHE,MAIFANG,GUPIAODIJIATAOXIAN,DAOCHUJIEQIAN。RUGUOMEIYOUZHEIGEZHANGHU,NINDEJIATINGZICHANJIUHUISUISHIMIANLINFENGXIAN,SUOYIJIAOBAOMINGDEQIAN。

DISANGEZHANGHUSHITOUZISHOUYIZHANGHU,SHISHENGQIANDEQIAN。YIBANZHANJIATINGZICHANDE30%。ZHEIGEZHANGHUWEIJIATINGCHUANGZAOGAOSHOUYI,YONGZUISHANZHANGDEFANGSHIWEIJIATINGZHUANQIAN,BAOKUONINTOUZIDEGUPIAO、JIJIN、FANGCHAN、QIYEDENG。

福彩3D助手 DISIGEZHANGHUSHIZHANGQISHOUYIZHANGHU,SHIBAOBENSHENGZHIDEQIAN。YIBANZHANJIATINGZICHANDE40%,WEIBAOZHANGJIATINGCHENGYUANDEYANGLAOJIN、ZINVJIAOYUJIN、LIUJIZINVDECHUBEIZIJINDENG。ZHUYAOYONGYUGOUMAIZHAIQUAN、XINTUO、FENHONGXIANDEYANGLAOJIN、ZINVJIAOYUJINDENG。

三、哑铃型

在哑铃型的资产结构中,低风险、低收益的储蓄、债券资产与高风险、高收益的股票基金资产比例相当,占主导地位,而中风险、中收益的资产占比最低,这种结构两端大,中间弱,比较平衡,可以充分享受黄金投资周期的收益。

RUGUOYIZHIJIANGSUOYOUZIJINDOUTOURUDAOBAOBENDEJIBENLICAIZHONG,WEIMIANSANGSHILEHENDUOTOUZIDELIANGJI,JIANYIBAZICHANZHONGXINZUOYIGEPEIZHI。ZAIBAOZHENGZIJINANQUANDEQINGKUANGXIACHANSHENGZUIDADESHOUYI,NEIMEYALINGXINGDEZICHANJIEGOUWUYISHIZUISHIHEDE。JIANYIGAOFENGXIAN、ZHONGFENGXIANYIJIDIFENGXIANDETOUZIPEIBIWEI4∶2∶4。

福彩3D助手 GAOFENGXIANLEIDETOUZIJIANYIKEYIXUANZEYIXIEGUPIAOXINGJIJIN,DANJINQIGUSHIDONGDANGYANZHONG,RUGUOSHISANHUJIANYIKEYIGENJUZISHENCHENGSHOUFENGXIANNENGLIXUANZEJIANSHAOTOUZIHUOSHISHAOWANYIXIEJINRUGUSHI。KEYIXUANZE3-4ZHIBUTONGXINGYEYIJIBUTONGBANKUAIDEJIJINFENSANTOUZI,JIANGDIFENGXIAN。LIRU:MUQIANGUOQIGAIGE、YIYAO、HULIANWANGYIJIJUNGONGDOUSHIBIJIAOREMENDEBANKUAI,KEYIMEIGEBANKUAIDEJIJINGEPEIZHI20WANLAISHIXIANGAOSHOUYIDETOUZIMUBIAO。

福彩3D助手 DUIYUZHONGFENGXIANLEIDETOUZI,JIANYIKEYIPEIZHIYIXIELINGHUOXINGHAOBINGQIESHOUYIYEBIJIAOPINGWENDEYINXINGLICAICHANPIN。ZHUYAOYONGZUOZHANGQITOUZI。DIFENGXIANLEIDEKEYIXUANZEYIXIEDUIXIANGMUJINXINGBENXIBAOZHANGDEXIANGMU。

四、冰山型

冰山理论是心理学家弗洛伊德提出的,即:冰山浮在海面上的部分其实只占到冰山体积的八分之一,可能还有很大一部分是藏在水面下的,人们不会轻易地看见。

福彩3D助手 ZAIBINGSHANXINGZICHANJIEGOUDEKEHUZICHANZHONG,BINGSHANYISHANGDEBUFEN,JIUSHIXIANJINCHUBEIHESHOUYIGANGGAN。ZHEILIANGBUFENBILIJIAQILAIBUYAOCHAOGUOZONGZICHANDE20%。

WANGHAIPINGMIANYIXIAKAN,SHOUXIANYAOPEIZHISHIWUZICHAN、GUDINGZICHAN,XIANGFANGCHAN、SHOUZANGPINDENGDENG,DOUSHUYUZHEILEI。ZHEILEIZICHANDEBILIYIBANSHI25%ZUOYOU。

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ZUIDICENGHUIZHANDAO15%ZUOYOUDESHIFENGXIANGANGGAN,YEJIUSHIBAOEGAODEBAOZHANGXINGBAOXIAN,TONGCHANGHUIPEIZHIYIWAIXIAN、GAOERENSHENXIAN、ZHONGDAJIBINGXIANZHEILEIBAOFEIDIDANBAOEGAODECHANPIN。

五、纺锤型

ZAIFANGCHUIXINGDEZICHANJIEGOUZHONG,JIZHONGFENGXIAN、ZHONGSHOUYIDEZICHANZHANZHUTIDIWEI,ERGAOFENGXIANYUDIFENGXIANDEZICHANLIANGDUANZHANBIJIAODI,JI:10%DEDISHOUYI、ANQUANZICHAN,80%DEZHONGDENGSHOUYI,ZHONGDENGANQUANDU,10%DEGAOSHOUYIGAOFENGXIANZICHAN。ZHEIZHONGZICHANJIEGOUDEANQUANXINGHENGAO,HENSHIHECHENGSHUSHICHANG。

WEIYUQIMOXINGZUOYOULIANGCE,TONGSHIZHANBIZUIXIAODEFENBIESHIDIFENGXIANDIHUIBAOLEIZICHANHEGAOFENGXIANGAOHUIBAOLEIZICHAN,ERWEIYUZHONGJIANDEQIEZHANBIZUIDADEBUFENZEWEIZHONGDUFENGXIANZHONGDUHUIBAOLEIZICHAN。

六、梭镖型

在梭镖型的资产结构中,几乎没有什么低风险的保障资产与中风险的理性投资资产,几乎将所有的资产全部放在了高风险、高收益的投资市场与工具上,属于赌徒型的资产配置。

福彩3D助手 ZHUANYEDELICAISHINENGBANGNIZHIDINGYIGELICAIGUIHUA,KENICAISHICAIFUDEZHUREN,ZHUDONGQUANYAOZIJIZHANGWO。SHOUXIAN,BUGUANZUOSHENME,DOUYAOZHANGWOZUGOUDEZHISHI,ZHIDINGLICAIGUIHUA,QIENENGRENSHIDAOHUOBIDESHIJIANJIAZHI;BAOZHENGZIJITOUZIDELIUDONGXINGHENZHONGYAO,DUAN、ZHONG、ZHANGQIDOUYAOYOUPEIZHI;LEJIESHUISHOUDUITOUZISHOUYIDEYINGXIANG。

SUOYOUDETOUZIXIANGMUDOUYOUYIDINGDEFENGXIAN,ZHIBUGUOMOUXIETOUZIXIANGMUDEFENGXIANGENGDIYIXIEBALE。WEISHENMEZAIYOUGENGANQUANDEXUANZESHI,TOUZIZHEHUIYUANYIBAQIANTOUZIDAOGAOFENGXIANXIANGMUZHONGQUNI?DAANSHI——CHUFEICHENGDANEWAIDEFENGXIAN,KEYIJITOUZIZHEDAILAIDUIDENGDESHOUYIBUCHANG,FOUZETAMENBUHUIYUANYIZHEIYANGZUO。


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