| 摘要 |
A system and method of asset allocation for optimizing investment determines risk tolerance category of the user based on answers to a risk tolerance questionnaire. A value is calculated based on the way the questions are answered and various points assigned to each answer. The calculated value, which correlates to a standard deviation range, and a risk type for that specific value is assigned to the user. According to a predetermined asset allocation table, different asset classes are determined and along with the standard deviation range are plotted on the efficient frontier. The user selects various risk levels and finds various combinations of asset classes. The precise composition of the asset allocation is determined based on the assigned value, corresponding risk type and related asset classes.
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