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Fund portfolio recommendation method and device, equipment and storage medium

A technology for recommending methods and funds, applied in the computer field, can solve problems such as single product type, unclear classification standards for high and low risk products, and inability to classify them.

Pending Publication Date: 2021-12-10
SHANGHAI PUDONG DEVELOPMENT BANK
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AI Technical Summary

Problems solved by technology

[0006] The embodiment of the present invention provides a fund combination recommendation method, device, equipment and storage medium to solve the problem of unclear classification standards for high and low risk products, inability to clearly classify fund products on the market, or the selection of product types is relatively single, As a result of unbalanced allocation weights and insufficient control of investor risks in actual market operations, it is possible to customize personalized investment plans for users, keep track of the latest market conditions, and make timely updates on asset allocation plans. Adjust and continuously optimize the fund portfolio held by users

Method used

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  • Fund portfolio recommendation method and device, equipment and storage medium
  • Fund portfolio recommendation method and device, equipment and storage medium
  • Fund portfolio recommendation method and device, equipment and storage medium

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Embodiment Construction

[0049] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, but not to limit the present invention. In addition, it should be noted that, for the convenience of description, only some structures related to the present invention are shown in the drawings but not all structures. In addition, the embodiments and the features in the embodiments of the present invention can be combined with each other under the condition of no conflict.

[0050]Before discussing the exemplary embodiments in more detail, it should be mentioned that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although the flowcharts describe various operations (or steps) as sequential processing, many of the operations may be performed in parallel, concurrently, or simultaneously. In...

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Abstract

The invention discloses a fund portfolio recommendation method and device, equipment and a storage medium. The method comprises the steps of obtaining an investment behavior portrait of a user; determining a target risk tolerance level of the user according to the investment behavior portrait; obtaining the allocation proportion of the class assets in the lowest risk and the allocation proportion of the class assets in the highest risk; and determining a target fund portfolio according to the target risk tolerance level, the lowest risk class asset allocation proportion and the highest risk class asset allocation proportion, and recommending the target fund portfolio. Through the technical scheme of the invention, a personalized investment scheme can be specially customized for a user, the latest situation of the market can be continuously tracked, and timely dynamic adjustment is carried out on the asset allocation scheme, and fund combinations held by the user are continuously optimized.

Description

technical field [0001] The embodiments of the present invention relate to the field of computer technology, and in particular to a method, device, equipment and storage medium for recommending fund portfolios. Background technique [0002] Smart investment is based on the theories of Capital Asset Pricing Model (CAPM), Modern Portfolio Theory (MPT) and Behavioral Finance, accompanied by the availability of big data, the popularization of infrastructure such as cloud computing, and artificial intelligence A portfolio investment method developed with the advancement of technology. The main purpose is to recommend an investment portfolio to investors, which facilitates diversification of investment risks, reduces losses of investors, and obtains corresponding investment returns in a more stable manner. [0003] The current intelligent portfolio recommendation method mainly analyzes the investor's risk preference by collecting investor data. Classify the products on the market...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 梁巾李思璐刘斌李鹏飞
Owner SHANGHAI PUDONG DEVELOPMENT BANK
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