基金公司智能投顾靠谱吗
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 0px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">近年来，IT和金融的结合形成了一股新力量——金融科技（Fintech2.0）。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">智能投顾作为金融科技崛起的一种代表形式，自2005年在美国出现后，迅速占领金融投资市场，成为智能理财领域不可或缺部分。</p> 什么是智能投顾 <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">智能投顾是基于对投资者的精准画像，通过将经典的资产配置理论、资产定价理论、行为金融理论等多种经典理论与投资实践，融入人工智能深度学习算法，从而能够为投资者提供基于多元化资产的个性化、智能化、自动化和高速化的大类资产配置、投资机会预测、投资风险预测、组合管理和风险控制等投资服务。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">根据美国金融监管局（FINRA）2016年3月提出的标准，智能投顾服务包括：客户分析、大类资产配置、投资组合选择、交易执行、投资组合再平衡、税收规划、投资组合分析。</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">智能投顾又称为机器人投顾（robotic advisory）,和传统投顾相比，智能投顾最大的特征就是门槛低、费用低、高效率。下图为埃森哲咨询整理的智能投顾与传统投顾的主要区别：</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">作为智能投顾资产配置权重最大的ETF和基金，其发行机构——公募基金，进入智能投顾理财领域备天生优势，有前瞻性的公募基金早已布局智能投顾理财领域。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">既然具备天时地利，那么国内公募基金的智能投顾是否靠谱。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">选取20家公募基金为样本，根据智能投顾定义和服务标准综合分析对比。</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">其中，有10家公募基金开展了智能投顾服务，样本占比50%。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">智能投顾服务的第一步是客户画像分析（客户分析），这是能否根据客户情况提供最合适的投资组合重要环节，但是很遗憾，只有南方基金（智投宝）、广发基金（基智理财）、华夏基金（查理智投）、嘉实基金（嘉贝智投）、汇添富基金（添富智投）这5家公司做了这部工作。因此，另外5家公司的智能投顾得带上疑问号，接下来的分析环节中直接PASS这5家不合格产品，不作对比分析</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">接下来是资产配置环节，同时也涉及投资策略制定。鉴于国内的智能投顾发展的局限性，我们难于达到大类资产配置、全球资本市场分散投资风险的高度，公募基金智能投顾资产配置仅限于国内公募基金产品。因此，把分析重点放在投资策略上。</p> 
南方基金（智投宝） <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">根据投资者风险评估结果，推荐投资组合，评测维度基于投资者的投资经验、投资风格、投资期限、资金规模。投资组合为固定组合，根据投资者测评结果匹配，实际上为8种投资策略。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">最近一年业绩</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;"> </p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">特点：策略丰富，客户匹配更加贴切；提供每月运作报告，清晰透明；不收取额外费用，投资门槛为1000元起。</p> 广发基金（基智理财） <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">基于投资者风险评估模型，识别理财需求、制定基金组合、动态调整组合资产，符合智能投顾的服务标准。实际体验中和南方基金（智投宝）类似，核心为固定的几种投资策略，根据投资者评估情况按投资类型推荐组合。</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;"> </p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">特点：符合智能投顾服务流程，策略丰富；同时提供推荐投资组合的数据回测（收益计算器），数据直观；投资门槛为500元起步，适合不同类型投资者；如果你不满意智能投顾推荐的策略，基智理财还提供额外4种量化策略供选择(当然这不属于智能投顾范畴)。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">遗憾的是无法清晰查询各类组合的历史业绩。</p> 华夏基金（查理智投） <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">基于MVP资产配置模型打造的智能投资组合，根据客户不同阶段的财富目标，提供一键智能化资产配置。策略由三大系列：教育智投系列、养老智投系列、增利智投系列组成。</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">最近一年业绩</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">从过往业绩看，查理智投所有组合近一年业绩与比较基准偏差较大，特别是教育智投系列。从智能投顾服务中的投资组合再平衡这一项分析，我认为投资策略上存在一定问题，未能及时修正会导致偏差越来越严重，结果是严重跑偏。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">特点：提供三种系列，9组投资组合，可以满足不同投资者投资需求；提供投资报告，一目了然；投资门槛低，500元起步。</p> 嘉实基金（嘉贝智投） <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">从“收益预期、投资期限、风险偏好”三个维度进行立体画像，最终落实到投资能力和投资意愿两个维度的投资定位，制定出适合投资者的资产配置方案。同时，投资组合会根据市场变化动态调整，资产再平衡。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">特点：投资者评估中（投资目标、投资周期、最大亏损）三个参数可随意调整，投资者测评环节获取的数据更加贴近，有利于后台提供最佳投资组合方案；投资门槛较高，起步为1万元，1000元递增，收取0.5%/年的账户投资管理费，这一点不够厚道；最重要的是不提供过往业绩参考，因此，无法判断业绩，不够透明。</p> 汇添富（添富智投） <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">根据投资者的风险评估情况，按风险承受等级分为5种不同投资组合，投资组合为固定组合。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">最近一年业绩</p> 
<p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">投资策略按预期收益和风险承受能力匹配不同风险的资产配置，最近一年收益情况不太理想，所有组合均未能跑赢业绩基准，实际偏差不小。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">特点：提供清晰透明的过往业绩和资产仓位调整记录信息；投资组合不够丰富，投资者理财需求匹配不够准确；过往业绩不理想，业绩基准偏差较大；投资门槛为1000元起。</p> 综合对比分析 <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">综合对比5家公司智能投顾，没有绝对的优胜者，我认为在智能投顾的风险测评中过于简单，不够贴切，未考虑到家庭资产负债比率、资金支出规划等信息。另外一项就是投资者年龄变化导致的风险承受能力变化，从智能投顾的角度评判，以上产品也是无法满足的。</p> 总结 <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">智能投顾的核心投资理念是建立在资产组合配置上的，是一种追求风险收益平衡的长期投资策略，单单从过去一年的业绩无法准确评判，因此，上文业绩对比仅供参考。</p> <p style="background-color: transparent; color: rgb(26, 26, 26); font-family: -apple-system,BlinkMacSystemFont,"helvetica neue","pingfang sc","microsoft yahei","source han sans sc","noto sans cjk sc","wenquanyi micro hei",sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; margin-bottom: 16px; margin-left: 0px; margin-right: 0px; margin-top: 16px; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;">公募基金产品丰富、门槛较低、运作透明，更适用智能投顾的资产配置机制，但是从我们分析的数据看，绝大部分公募基金并没有深耕智能投顾这块“沃土”，整体智能化程度低，鲜有真正的智能投顾身影，但我们应该为敢于展示过往业绩的智能投顾点赞。</p>
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