为什么资产配置？

资产配置是指将投资资金分配到不同的资产类别中，以实现投资组合的风险和收益之间的平衡。那么，为什么需要进行资产配置呢？以下是一些可能的原因：

首先，资产配置可以帮助投资者降低风险。通过将投资资金分配到不同的资产类别中，可以减少单一资产的风险，从而降低整个投资组合的风险。此外，资产配置还可以提高投资收益。通过将投资资金分配到具有不同风险和收益特征的资产类别中，可以获得更好的投资组合收益。英文翻译：

Why asset allocation?

Asset allocation refers to the allocation of investment funds into different asset classes in order to achieve a balance between risk and return in an investment portfolio. So, why is asset allocation necessary? Here are some possible reasons:

Firstly, asset allocation can help investors reduce risk. By allocating investment funds to different asset classes, investors can reduce the risk of a single asset, thereby reducing the risk of the entire investment portfolio. Additionally, asset allocation can also enhance investment returns. By allocating investment funds to asset classes with different risk and return characteristics, investors can obtain better investment portfolio returns.