标准普尔法则：分配个人资金的标准用法
在投资理财过程中，虽然分析市场，挑选平台的确很重要，但还有一点需要投资者去仔细注意的，那就是投资资金的分配情况，用多少资金进行操作，其他资金要用来做什么。只有合理分配每一笔资金的去向，在交易时才会更放心。所以今天就来简单讲一下标准普尔法则。
标准普尔法则也称为“4321”法则，对资金按照比例进行分配，以达到资金合理利用的情况，
比如说将资金的40%进行投资理财达到保值增值、30%用于进行日常生活开销、20%用来储蓄以防万一、10%购买保险以防出现意外情况而无法有效应对，并且采取恒定混合型策略，即某种资产价格上涨后，减少这类资产总额，将其平均分配在余下的资产中，使之恒定保持一个4321的比例。
这个法则最大的好处就是可以将资金充分运用，而且这些资金配置并非固定的，可以根据自身的喜好以及资金情况进行合理安排，如果想多点收益，在投资理财资金比例上就可以更多，如果自身有买保险的习惯，就可以把保险方面的资金分配的更多，这样之后进行理财投资的时候也更加放心。
本文来源： 大田环球贵金属
最新内容
Risk Warning
Trading bullion and financial instruments carries significant risks and may not be suitable for all investors, requiring careful consideration of investment objectives, experience, and risk tolerance. Key risks include market volatility, leverage risks that can amplify gains or losses, liquidity issues that may prevent executing trades at desired prices, and technical failures in online trading systems. Prices fluctuate unpredictably, and past performance does not guarantee future results. CIDT Global Bullion Limited provides general market commentary but does not offer investment advice and is not liable for any losses incurred from reliance on its information, which may change without notice.
Jurisdiction Disclaimer
CIDT Global Bullion Limited's services are subject to local regulations and may not be available in all jurisdictions. Users are responsible for ensuring compliance with their local laws. Services are not provided in regions where they are prohibited by law, under international sanctions, or require licensing that the company does not hold. By using the platform, users confirm they are not in a restricted jurisdiction and accept full responsibility for legal compliance. The company reserves the right to decline or terminate services in restricted areas without prior notice.