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1怎么翻译

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NO.PZ201803130100000108

问题如下：

Which of Müller’s comments about the other approaches to asset allocation is correct?

选项：

Comment 1

Comment 2

Comment 3

解释：

A is correct.

Comment 1 is correct because the "120 minus your age" rule reduces the equity allocation as the client ages, while the 60/40 rule makes no such adjustment. Comments 2 and 3 are not correct. The Yale model emphasizes investing in alternative assets (such as hedge funds, private equity, and real estate) as opposed to investing in traditional asset classes (such as stock and bonds). The 1/N rule allocates an equal weight to each asset without regard to its investment characteristics, treating all assets as indistinguishable in terms of mean returns, volatility, and correlations.

comment1怎么翻译呢

嗨，努力学习的PZer你好：

同学你好：

“120 减去年龄” 和 “60/40 股票 / 债券” 都是资产配置的经验法则。

“120 减去年龄” 法则建议，用 120 减去投资者的年龄，得到的数字就是投资组合中股票的占比，剩余部分投资债券。

“60/40 股票 / 债券” 法则则是将投资组合的 60% 配置股票，40% 配置债券。

Comment 1 中提到 “120 减去年龄” 法则的优势在于融入了基于年龄的股票 / 债券配置，这种方式更具个性化，考虑到了投资者不同年龄阶段的风险承受能力和投资目标。

比如，年轻人风险承受能力相对较高，通过 “120 减去年龄” 计算，投资组合中股票占比会较高，能追求更高的收益；而随着年龄增长，股票占比会相应降低，债券占比增加，更注重资产的保值和稳定性。相比之下，“60/40 股票 / 债券” 法则则是一种较为固定的配置方式，没有考虑投资者的个体差异。

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虽然现在很辛苦，但努力过的感觉真的很好，加油！

1怎么翻译

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