What would you do if you had100000 cash? If I were you, I would drop out of college and go home to support the elderly.

First, decentralization, focusing on cross-asset class allocation and transnational asset allocation.

What is dispersion? The technical term is "cross-asset allocation", which means that your money is not in an asset. For example, if you buy stocks and funds, but also buy wealth management products from banks that invest in stocks, it is not called diversification, because all your money is concentrated in the stock market. Once the stock market drops by 3000 points, your money will be in danger. But if you still buy some government bonds, trusts or money funds, which are not affected by the stock market or have little influence, and the stock investment does not belong to an asset class, then your risk will be dispersed, which is the significance of diversified investment and cross-asset class investment.

So, is it enough to cross asset classes? Of course not. For example, a Brazilian has invested all his investments in Brazil. In recent years, Brazil has plummeted from the glorious peak of BRIC countries to a "junk" sovereign rating. This year, the economy is expected to decline by 3.23% (much larger than many countries), and the Brazilian real depreciated by nearly half in 20 15. How much will your investment be affected? How much has it shrunk? This leads to another necessary diversification of asset allocation, namely "cross-regional country allocation".

To sum up, your money needs to be allocated to different asset classes in different countries.

Second, the second is distribution, and the investment category is selected according to the tolerance of the first.

This is where money is invested, and every specific asset class will be mentioned. The following suggestions are just some suggestions. Everyone has different goals and risk tolerance for portfolio, so we can't generalize.

1. Insurance is a way to prevent sudden risks, and it can also be regarded as an investment method, which is a very important category in our asset allocation.

If your insurance knowledge is critical illness insurance, accident insurance and endowment insurance, then you are an investment layman. If you know that insurance is one of the important tools for wealth inheritance, congratulations, you have already started!

Now China's inheritance is not perfect, and insurance is a very effective inheritance tool. Insurance has many advantages, such as preserving value, ensuring the certainty of wealth distribution, avoiding taxes reasonably, avoiding debts and giving wealth to future generations for a long time.

So many people will buy hundreds of thousands of millions of large insurance, and even buy a lot of overseas insurance. It is a more rational choice to take out the investable assets within110 to buy insurance.

2. Capital market Capital market investment is often accompanied by high risks and high returns. The water is too deep to plunge into, and it is not a good choice to rush into the US stock market. Whether in China or the United States, it is best to enter the capital market through FOF or MOM.

One is to spread the money among multiple funds, and the other is to spread the money among multiple fund managers. The model is slightly different, but it makes sense: let someone more professional than you manage your money.

Generally, FOF or MOM can invest in the primary market or the secondary market, and there are many good investment opportunities, which are difficult for individuals to access when investing. For example, quantitative investment (this is definitely a wonderful flower in the investment circle, and the first person to create it is a gambler! ! ! ), a good quantitative fund can get more than 20% annualized income. One fund has created an annualized return of 10 percentage points higher than Buffett in the past 20 years.

After all, this kind of investment still has certain risks, and you can't blindly bet on a fund. We are used to not knowing the history of the penultimate number in the first year of this year and next year, so it is relatively safe to invest in FOF or mom. If the amount of funds is small, you need to be cautious, and it is more than 654.38+million, you can consider allocating about 20%.

3. Real Estate/Real Estate Fund When it comes to real estate, there must be many people with wide eyes and adrenaline rising, because many of them have become high-net-worth individuals by buying from buy buy. Take some communities in Tongzhou, Beijing as an example. Ten years ago, 3000/ m2 was expensive for everyone. Now the unit price is nearly 40 thousand. However, this growth is accompanied by the rapid development of China economy and Beijing economy. In the next decade, it is impossible for China's economy to replicate the past growth rate. Wake up, this is reality.

But as one of the important alternative investments, the importance of real estate investment is indispensable. In the past ten years, the average assets of the famous Yale University Endowment Fund were 1/5- 1/4, which ensured a stable income. Although this proportion is decreasing, it is still the most important part.

However, the investment of Yale Fund is not to buy a house, but to invest in real estate funds, specifically global real estate funds, which is also a popular real estate investment method in the world. For example, for the same 3 million yuan, in Beijing, you can buy a house with less than 100 square meter at most in Tongzhou, but you can invest in several real estate projects around the world at the same time through real estate investment funds, or buy real estate parent funds and invest in dozens of real estate projects of several fund companies. Generally, the return of this kind of investment is around annualized 10%, and the risk is much smaller than that of the capital market. So it is a good choice to allocate about 20% of the funds.

4. Without equity, private equity holders are not rich. This sentence is almost as well known as "Don't put eggs in one basket". With the listing of Alibaba and Jumeiyou in the past decade, everyone is familiar with the story that equity investment can bring huge benefits. Xu Xiaoping, Xiong Xiaoge and other stock investment tycoons have also become public celebrities.

There are many ways to invest in equity. For example, you can be an angel yourself, and you can invest more than10.002 billion yuan in many startups. If you are optimistic about who will invest all the money in him at one time, it is understandable, of course, the risk is great; Or invest in private equity funds, the starting investment threshold is generally 6.5438+0 million RMB. It is suggested that the allocation of funds should not exceed 20%.