好英语网为什么要做资产配置？
资产配置是一种投资策略，它根据投资者的风险承受能力和投资目标，将资金分配到不同的资产类别中，以实现资产的多元化和风险的分散化。通过合理的资产配置，投资者可以降低投资风险、提高收益并实现长期投资目标。英文翻译：
Why Asset Allocation?
Asset allocation is an investment strategy that allocates capital according to an investor's risk tolerance and investment objectives across different asset classes to achieve diversification and risk dispersion. With proper asset allocation, investors can reduce investment risk, increase returns, and achieve long-term investment goals.
- 降低风险：资产配置的核心目的是降低投资风险。通过将资金分配到不同的资产类别和地理区域，可以减少单一资产或地区的特定风险。此外，某些资产类别可能具有负相关的风险，通过组合这些资产可以进一步降低整体风险。英文翻译：
Reducing Risk: The core purpose of asset allocation is to reduce investment risk. By allocating capital to different asset classes and geographic regions, it can reduce the specific risks of a single asset or region. Additionally, certain asset classes may have negatively correlated risks, and combining these assets can further reduce overall risk.
- 提高收益：通过合理的资产配置，投资者可以获得更高的投资回报。不同资产类别的预期收益和风险是不同的，通过平衡这些资产，投资者可以在满足风险承受能力的前提下，实现投资收益的最大化。英文翻译：
Increasing Returns: Through proper asset allocation, investors can obtain higher investment returns. The expected returns and risks of different asset classes are different, and by balancing these assets, investors can maximize investment returns while meeting their risk tolerance.
