Asset allocation method and device, readable storage medium and computing equipment

Abstract

The invention discloses an asset allocation method and apparatus, a readable storage medium and computing equipment. The asset allocation method comprises the steps of selecting a plurality of targetasset pools; carrying out point scattering on the target asset pools to obtain assets in each target asset pool; carrying out random configuration on the assets to obtain random asset configuration; allocating each random asset allocation to the risk level to which the random asset allocation belongs; and for each risk level, taking the random asset configuration with the maximum income as the asset configuration of the risk level. According to the asset allocation method provided by the invention, the risk levels are divided through the historical data, and asset allocation of different styles is carried out according to the risk levels which can be borne by different users, so that the income can be effectively improved, and the optimal allocation result under different risks can be obtained.

Description

technical field [0001] The present invention relates to the technical field of the Internet, in particular to an asset allocation method, device, readable storage medium and computing equipment. Background technique [0002] With the development of social economy, more and more people have the demand to purchase financial products. The profession of financial manager is becoming more and more accepted and respected. The wealth management manager can provide corresponding wealth management purchase suggestions according to the needs and purchasing power of different users and assist users in managing wealth management products. [0003] Generally speaking, when a financial manager recommends a financial product, he needs to first conduct a risk assessment of the financial product. This risk assessment method is based on the personal experience and subjective wishes of the financial manager. Due to the different working hours of different financial managers and personal prefe...

AI Technical Summary

Problems solved by technology

Most of the existing wealth management products have products and strategies with different risk levels for users to choose, such as pure stock allocation strategy, all allocation of stocks, the risk and return are relatively high, relying on the hedging of the stock itself to achieve certain risks Control; or a stable bond allocation strategy, all allocation of bonds, the risk is very low, but the return cannot be increased too much

[0005] Risk level is not an absolute concept, and wealth management products with a single risk-return type can no longer meet the different needs of users

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