⊙嘉实投资者回报研究中心

⊙ fine fruit investors return research center

　　随着经济的发展和收入的增加，投资理财在中国已经逐渐成为生活中的重要环节。在这样的大环境下，多数投资者并没有做好准备。他们或者“没有时间”管理投资，或者“没有能力”管理投资，或者“没有兴趣”管理投资；与此同时，处在起步阶段的中国财富管理业还没有为投资者提供所需要的服务，投资保值增值变成了一个可望而不可及的憧憬。为 “三没有”所困扰的广大投资者，不仅需要专业投资机构为他们量身订制符合个人特点和风险定位的投资方案，更希望有专业人士为他们实施投资方案。基于此，嘉实基金(博客,微博)推出了“定制账户”管理业务，为投资者提供一站式基金投资解决方案，帮助投资者选产品、建组合、管风险，让大家不再为投资操心！

With the development of economy and the increase of income,Finance and investment in China has gradually become an important link in life.In this environment,Most investors and not ready.They or"Have no time"Management investment,or"Have no ability"Management investment,or"Not interested in"Management investment;meanwhile,At the beginning stage of China's wealth management is not for investors to provide the service of a need,The value of the investment has become a unattainable dreams.for "3 no"By the investors,Not only need professional investment institutions for their custom-made personal characteristics and risk with the positioning of the investment plan,Hope to have more professionals to conduct investment plan.Based on this,Fine fruit fund(blog,Micro bo)launched"Custom account"Management business,For investors to provide one-stop fund investment solutions,Help investors choose the product/Built combination/Tube risk,Let you no longer worry for investment!

　　随着生活节奏的加快，“没有时间”是上班一族生活中的真实情况。北京大学社会调查研究中心《2012年度中国职场人平衡指数调研报告》显示，中国职场人平均每日工作时间为8.66个小时，其中有30.3%的人工作时间超过10小时，最长达16小时。工作时间过长自然难以留出些时间管理投资。“没有能力”的投资者同样不在少数。由于市场上投资产品浩如烟海，股市债市又起伏不定、变化莫测，所以金融投资具有极强的专业性，即便是在市场上砥砺多年的资深投资者也不免有应付乏力之叹。除了“没有时间”和“没有能力”之外，投资者中还有相当一部分人“没有兴趣”自己管理投资。毕竟投资不是人人都愿意涉足的，想投资而又对亲自操作不感兴趣者也大有人在。

As the pace of life,"Have no time"Is gens going to work in the life truth.Beijing university social survey research center[2012 year China workplace people balance index research report]display,In Chinese business people daily average of 8.66 hours of work,There are 30.3% of the people work more than ten hours time,The longest up to 16 hours.Working long hours has a natural difficult to set aside some time management investment."Have no ability"Investors also not a few.Because the market numerous investment products,The stock market and bond market ups and downs/unpredictable,So the financial investment with a strong professional,Even in the market for many years temper senior investors are not able to cope with the weak sigh.In addition to"Have no time"and"Have no ability"outside,Investors have a great number of people"Not interested in"Their investment management.After all the investment is not everyone would like to step in,Want to invest and operate to himself is not interested in there are.

　　投资理财毕竟已经成为很多人生活中必须面对的自身需求，但是 “三没有”的困惑加上市场上缺少相应的服务，一定会对投资效果产生诸多不利影响，回报乏善可陈也就不足为奇了。

Finance and investment after all has become a lot of people life must face their own needs,but "3 no"Confusion in the market and the lack of corresponding service,Will be on investment effect produce many adverse effects,Return has no wonder.

　　“没有时间”管理投资的投资者有两种倾向：一种是直接把钱存入银行获得利息，虽然节省了时间，但是资本的增值潜力有限，通常难以跑赢通胀。另一种倾向是随意购买投资产品，由于缺乏全盘规划，所购买产品的风险和收益结构可能跟投资者的意愿并不匹配。此外，因为没有时间管理投资，所以常常试图采用一劳永逸的方式，在购买之后便不再管理，被动地跟随市场波动，收益当然难以理想。

"Have no time"Management investment investors have two kind of tendency:One is directly put money in the bank for interest,While saving time,But capital appreciation potential limited,Are often difficult to beat inflation.Another tendency is optional to buy investment products,Due to the lack of overall planning,Have to buy the products for the risks and benefits of structure with the wishes of the investors may not match.In addition,Because there is no time management investment,So often try to use the way once and for all,After they no longer in the purchase management,Passively following the market fluctuation,Income of course difficult to ideal.

　　“没有能力”管理投资的投资者在选择投资产品时常常盲目追逐热门。由于缺乏相关专业知识，这类投资者容易偏听偏信，往往为追求热点而罔顾自身的实际情况。面对偏股基金、债券基金、货币基金、QDII基金、黄金基金、房地产基金等五花八门名目繁多的产品，“没有能力”的投资者分不清不同产品的特性，也不明白自己的投资组合应如何搭配，盲目跟风的结果通常是追涨杀跌或长期被套。

"Have no ability"Management of the investment of investors in the choice of investment products often blind Angle is popular.Due to the lack of relevant professional knowledge,This kind of investors to be biased,Often for the pursuit of hot spot and ignoring the real case of oneself.In the face of partial shares fund/Bond fund/Monetary fund/QDII fund/Gold fund/Real estate funds is multifarious various kinds of products,"Have no ability"Investors confound with different characteristics of the product,They do not understand their own portfolio should be how to match,The result of blind follow suit is usually chase after go up to industrial or long-term quilt cover.

　　“没有兴趣”管理投资的投资者表现出的特征和“没有时间”管理投资的投资者有类似之处。由于兴趣缺乏，这类投资者要么很少碰现金以外的资产，要么在投资的时候懒得做深入的研究，往往买入一些不适合自己的产品。由于没有兴趣管理投资，这类投资者平时大多不关心资本市场的动向，更不会去分析自己投资组合的变动并进行及时的调整，其投资成果当然也是难以令人满意。

"Not interested in"Management investment investors show features and"Have no time"Management investment investors are similar.Due to the lack of interest in,This kind of investors or rarely touch other than cash assets,Either in the investment too lazy to do in-depth research,Often buy some not suitable for their products.Since there is no interest in investment management,This kind of investors usually don't care about most of the capital market trends,More won't go to analyze their portfolio changes and timely adjustment,Its investment results, of course, is not acceptable.

　　“三没有”已经造成了长期不尽如人意的回报效果，那么广大投资者需要什么样的服务呢？概括起来，到位的投资服务应当包含以下几个方面：第一，个性化的定制。对于投资者不同的特点和需求，进行投资目标分析和风险承受能力测量，为投资者量身打造最适合的投资策略。第二，专业透明的投资组合管理。为弥补投资者所缺少的专业能力，投资组合由专业机构全程管理，根据市场的变动及时进行动态优化调整，并定期为投资者提供专业分析报告和投资组合的最新情况，整个投资过程清晰透明。第三，操作简便、省时省力。投资者不需要花费时间精力亲自打理，而是通过授权的方式交给专业投资团队代为执行投资策略，最大程度地减少决策和操作的烦恼，从而尽情享受闲暇生活。

"3 no"Has caused the long-term return not satisfactory effect,So the investors need to what kind of service?In summary,In place of the investment service shall include the following aspects:The first,Personalized custom.For investors different characteristics and needs,Investment objective analysis and risk to bear ability measurement,For investors to tailor the most suitable investment strategy.The second,Professional and transparent investment portfolio management.In order to make up for a lack of investors of the professional ability,Portfolio by the professional organization management,According to the market changes in dynamic optimization adjustment,And regularly for investors to provide professional analysis report and the latest situation of the investment portfolio,The whole investment process clear transparent.The third,Easy operation/Saves time and effort.Investors do not need to spend time and effort do personally,But through the authorized way to professional investment team to implement investment strategy,Minimize decision-making and operation troubles,So as to enjoy the leisure life.

　　让专业人干专业事。为服务被“三没有”所困扰的广大投资者，嘉实基金刚刚推出了“定制账户”管理服务，希望通过一站式“授权管理”基金投资解决方案让投资者不再操心，此项业务由嘉实投资者回报研究中心负责实施和管理。定制账户以开放式公募基金产品为投资标的。针对每一个定制账户，回报中心将结合对投资者的背景分析和风险定位，“量身定做”并负责实施个性化的基金投资方案，通过随市场走势及时调整组合，控制风险，优化收益，力争为投资者奉献理想回报和从未有过的良好体验。

Let the professional person do a professional matter.For service is"3 no"By the investors,Fine fruit fund has just launched"Custom account"Management services,Hope that through the "one-stop" work style"Authorization management"Fund investment solutions let investors no longer worry about,The business by fine fruit investors return research center is responsible for the implementation and management.Custom account to open public offering fund products for investment target.For each one of the custom account,Return center will be based on the background of the investors and risk analysis of positioning,"tailored"And be responsible for the implementation of personalized fund investment plan,With the market trend through timely adjusting combination,Control risk,Optimization income,For investors to offer ideal returns and never had a good experience.