This book, aimed at Chinese families, provides new asset allocation solutions for the low-interest-rate era. With interest rates currently low, how to protect assets and ensure steady appreciation is a major concern. Asset allocation is crucial to the financial future of every family and individual. This book begins by analyzing the "three financial statements" for families and individuals, providing insights into income and expenditure, assets and liabilities, and cash inflows and outflows. Using real personal data, it optimizes income and consumption structures to unlock financial potential. The book details four major asset classes: equities, fixed income, cash, and alternative assets. By flexibly utilizing these assets in different economic cycles, readers can achieve both offensive and defensive strategies. Furthermore, the book broadens readers' perspectives on global asset allocation.
这本书面向中国家庭，旨在提供低息时代资产配置新方案。在利率水平较低的当下，如何保护资产稳健升值一直是人们关注的话题，资产配置则关系每个家庭、每个人的财务未来，这本书从家庭与个人的“三张表”开始梳理，透视收入与支出、资产与负债、现金流流入与流出，在真实的个人数据中，优化收入与消费结构，释放财务潜力。这本书详解了权益类、固收类、现金类、另类四大类资产，在不同的经济周期环境下，灵活运用这些武器可做到攻守兼备。同时，这本书针对全球化的资产配置，带读者打开视野。
这本书面向中国家庭，旨在提供低息时代资产配置新方案。在利率水平较低的当下，如何保护资产稳健升值一直是人们关注的话题，资产配置则关系每个家庭、每个人的财务未来，这本书从家庭与个人的“三张表”开始梳理，透视收入与支出、资产与负债、现金流流入与流出，在真实的个人数据中，优化收入与消费结构，释放财务潜力。这本书详解了权益类、固收类、现金类、另类四大类资产，在不同的经济周期环境下，灵活运用这些武器可做到攻守兼备。同时，这本书针对全球化的资产配置，带读者打开视野。
