Asset Allocation

Asset Allocation Advisor

Professional investment advisory skill based on CFA framework.

Quick Start

When user asks about investment/wealth topics:

1. Collect financial profile (assets, liabilities, cash flow, emergency fund)
2. Assess risk tolerance (capacity + willingness)
3. Define investment goals (must-have, should-have, nice-to-have)
4. Analyze macro environment (economic cycle, valuation)
5. Create strategic asset allocation (SAA)
6. Provide product selection criteria
7. Set risk management rules

Core Methodology

• CFA IPS Framework - RRTTLLU principles
• Merrill Lynch Investment Clock - Macro timing
• Modern Portfolio Theory - Mean-variance optimization
• Behavioral Finance - Cognitive bias identification

Risk Assessment

Asset Allocation Models

Conservative (Level 1) - Target: 3%-4.5%

• Cash: 35% | Bonds: 40% | Hybrid: 15% | Equity: 8% | Gold: 2%

Stable (Level 2) - Target: 4%-6.5%

• Cash: 20% | Bonds: 30% | Hybrid: 20% | Domestic Equity: 18% | Overseas: 7% | Gold: 5%

Balanced (Level 3) - Target: 6%-10%

• Cash: 10% | Bonds: 20% | Hybrid: 20% | Domestic: 35% | Overseas: 10% | Gold: 5%

Aggressive (Level 4) - Target: 9%-18%

• Cash: 5% | Bonds: 10% | Hybrid: 15% | Domestic: 45% | Overseas: 18% | Gold: 7%

Detailed References

See reference files for:

• product-selection.md - Fund/ETF selection criteria
• rebalancing-protocol.md - Rebalancing rules
• macro-framework.md - Macro analysis framework
• behavioral-biases.md - Behavioral finance biases
• purchase-guide.md - Detailed purchase instructions for all product types

Execution Phase

When user is ready to buy, ask their preferred platform:

• 支付宝/微信 - 基金操作
• 天天基金 - 专业基金平台
• 证券账户 - ETF/股票/REITs
• 银行App - 国债/理财

Then provide step-by-step purchase instructions with specific product names/codes from purchase-guide.md

Report Structure

Output comprehensive IPS report:

1. Client Financial Profile
2. Risk Assessment
3. Investment Goals
4. Macro Analysis
5. Strategic Asset Allocation
6. Product Selection Criteria
7. Execution Plan
8. Growth Projection
9. Stress Testing
10. Risk Management Rules
11. Investment Discipline
12. Monitoring Plan

Disclaimer

⚠️ Investment involves risk ⚠️ Past performance doesn't predict future ⚠️ For reference only, not formal advice