Customer portrait is the first service process of intelligent investment, that is, the system investigates and analyzes the customer's family situation, risk tolerance level, income requirements and investment period through questionnaire survey and data collection and analysis, and finally constructs the customer portrait.

▲ Create a customer portrait

2. Asset allocation

According to the customer portrait mentioned above, the system will provide customers with personalized asset allocation suggestions, including the allocation of different assets in different markets, such as stocks, bonds and insurance. , and the corresponding distribution ratio. Customers can fully invest as suggested, or make adjustments according to their own needs to form an asset allocation plan.

▲ Provide personalized asset allocation suggestions.

Simply put, "Don't put your eggs in the same basket" is a well-known truth, and so is financial management. While pursuing profits, we should also pay attention to diversifying risks. What asset allocation needs to do is "which basket is the most reasonable for eggs to open", so as to achieve the best income.

3. Portfolio investment choice

Next, the system will build different quantitative portfolios according to different strategies, and investors can choose different portfolios according to different risk levels and investment styles.

▲ Choice of different portfolios

4. Transaction execution

After asset allocation and portfolio selection, transactions can be made. There are generally two ways: one is that the system agent buys and sells assets directly, which means you can free your hands and let the system directly help you trade; The other is that the system provides advice indirectly, and then investors trade on their own.

▲ Transaction execution form

5. Portfolio rebalancing

After the transaction is completed, the system will help you monitor the changes in the market in real time and adjust the balance of the investment portfolio according to the changes in the investment preferences of customers.

▲ Portfolio rebalancing

Compared with manual investment consultants, smart investment actually lowers the investment threshold to a certain extent, and the fees charged will be lower, and it can also provide you with customized investment solutions. At present, there are many smart investment products and services in China, although they are still restricted by some practical factors, such as low acceptance of passive investment and imperfect risk control system.