在当前全球经济格局复杂多变的背景下，投资者面临着前所未有的挑战和机遇。如何在投资组合中分散风险、实现长期稳定增长，成为了众多家庭和投资者关心的话题。近期，前海开源基金首席经济学家杨德龙提出了“532”投资法则，即家庭投资应将50%的资金配置在固定收益类产品，30%的资金投资于权益类产品，而剩余的20%则可配置在黄金、银行存款等相对保守的投资产品上。这一建议旨在帮助投资者构建多元化投资组合，以有效抵御市场波动，实现资产的稳健增值。
随着全球利率环境的持续变化，银行存款利率的下滑促使越来越多的投资者将资金转向债券基金等固定收益类产品，以寻求更高的收益。在权益投资方面，杨德龙强调了中国股市和港股市场中蕴含的机遇，特别是从价值投资的角度出发，他认为A股和港股市场中的优质资产当前被严重低估，投资者应适时增加配置，以期在未来两三年内获得更好的回报。
此外，黄金作为抵御通胀和市场波动的避险资产，近年来受到了投资者的广泛关注。杨德龙建议，投资者应考虑在投资组合中配置一部分黄金，无论是实物黄金、黄金股票、黄金ETF还是黄金期货，以作为抗风险和抗通胀的工具。黄金的多元化配置不仅能够分散投资风险，还能在市场不确定时提供稳定收益。
杨德龙强调，投资者在构建投资组合时应结合个人的风险偏好进行选择。对于追求低风险的投资者，可以选择债券基金、货币基金或银行理财等相对保守的投资产品；而对于风险偏好较高的投资者，尤其是希望通过市场波动获取长期收益的投资者，则可以适当增加权益资产的配置比例。通过合理分散投资，投资者可以更好地应对市场变化，实现资产的稳健增长。
在当前全球经济形势下，投资者应密切关注市场动态，结合个人情况灵活调整投资策略，以实现资产的保值增值。通过遵循多元化的投资原则，投资者有望在复杂多变的市场环境中找到适合自己的投资路径，实现长期稳定的财富增长。
英语如下：
Headline: “Yang DeLONG Recommends a 532 Investment Ratio to Diversify Risk for Families”
Keywords: diversified investment, asset allocation, risk mitigation
Content: Amidst the complex and ever-changing global economic landscape, investors are confronted with unprecedented challenges and opportunities. The quest to diversify risk within investment portfolios and achieve long-term stability has become a top concern for numerous families and investors. Recently, the Chief Economist of Qianhai开源 Fund, Yang DeLONG, has proposed the “532” investment principle, suggesting that households should allocate 50% of their funds to fixed-income products, 30% to equity products, and the remaining 20% to relatively conservative investment options such as gold, bank deposits, etc. This recommendation aims to assist investors in building a diversified investment portfolio to effectively mitigate market fluctuations and achieve stable asset appreciation.
As the global interest rate environment continues to evolve, the decline in bank deposit interest rates has led to an increasing number of investors shifting their funds to fixed-income products such as bond funds in pursuit of higher returns. In terms of equity investments, Yang DeLONG emphasizes the opportunities presented by China’s stock market and the Hong Kong stock market, particularly from the perspective of value investing. He argues that high-quality assets in the A-share and Hong Kong markets are currently undervalued, and investors should consider increasing their allocation to these assets to potentially achieve better returns within the next two to three years.
Moreover, gold, as a safe-haven asset that mitigates inflation and market volatility, has garnered significant attention from investors in recent years. Yang DeLONG suggests that investors should consider incorporating a portion of gold into their investment portfolios, whether through physical gold, gold stocks, gold ETFs, or gold futures, as a tool for risk mitigation and inflation protection. The diversification of gold investment not only helps in spreading investment risk but also provides stable returns during market uncertainty.
Yang DeLONG stresses that investors should tailor their investment portfolios to their individual risk tolerance. For those seeking lower-risk investments, options such as bond funds, money market funds, or bank wealth management products are recommended. For investors with a higher risk appetite, particularly those aiming to gain long-term returns through market fluctuations, they can appropriately increase their allocation to equity assets. By diversifying investments, investors can better navigate market changes and achieve stable asset growth.
In the current global economic context, investors should closely monitor market dynamics and adjust their investment strategies in line with their personal circumstances to achieve asset preservation and appreciation. By adhering to principles of diversified investment, investors can find a suitable investment path within the complex and changing market environment, leading to long-term stable wealth growth.
【来源】http://www.chinanews.com/cj/2024/07-23/10256120.shtml
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