做得好的经历过几个来回的职业资产管理公司也就是6-7% 看的是spread over risk-free or inflation Minimize down and capture up 。 说是这样 操作起来也是另一回事 For peace of mind , doing nothing is also an investment strategy . 保守点没什么不好 但是保守可以是基于defense defense defense 推荐看 david Swensen : Portfolio management