{"id":27,"date":"2026-05-14T12:31:16","date_gmt":"2026-05-14T04:31:16","guid":{"rendered":"https:\/\/shiyao.ltd\/hongkong\/usd-asset-allocation-hong-kong-identity\/"},"modified":"2026-05-14T12:31:16","modified_gmt":"2026-05-14T04:31:16","slug":"usd-asset-allocation-hong-kong-identity","status":"publish","type":"post","link":"https:\/\/shiyao.ltd\/hongkong\/usd-asset-allocation-hong-kong-identity\/","title":{"rendered":"\u6301\u6709\u9999\u6e2f\u8eab\u4efd\u540e\u5982\u4f55\u914d\u7f6e\u7f8e\u5143\u8d44\u4ea7\uff1f\u503a\u5238\u3001\u80a1\u7968\u3001\u4fdd\u9669\u54ea\u4e2a\u4f18\u5148"},"content":{"rendered":"<p>\u5efa\u8bae\u4f18\u5148\u914d\u7f6e\u7f8e\u5143\u503a\u5238\u4f5c\u4e3a\u7a33\u5b9a\u5668\uff0c\u518d\u642d\u914d\u6e2f\u80a1\u7f8e\u80a1\u5206\u6563\u98ce\u9669\uff0c\u4fdd\u9669\u4ea7\u54c1\u9700\u8b66\u60d5\u975e\u4fdd\u8bc1\u6536\u76ca\uff0c\u4e09\u8005\u6309\u98ce\u9669\u504f\u597d\u6392\u5e8f\u3002<\/p>\n<p>\u7f8e\u5143\u503a\u5238\u7684\u7a33\u5b9a\u6536\u76ca\uff0c\u6838\u5fc3\u6765\u81ea\u7f8e\u56fd\u56fd\u503a\u7684\u786e\u5b9a\u6027\u5229\u606f\u3002\u5f53\u524d10\u5e74\u671f\u7f8e\u503a\u6536\u76ca\u7387\u7ea64.5%\uff0c30\u5e74\u671f\u7f8e\u503a\u6536\u76ca\u7387\u63a5\u8fd15%\u3002\u6301\u6709\u81f3\u5230\u671f\uff0c\u6536\u76ca\u7387\u5728\u4e70\u5165\u65f6\u9501\u5b9a\uff0c\u4e0d\u53d7\u5e02\u573a\u5229\u7387\u6ce2\u52a8\u5f71\u54cd\u3002\u5b83\u626e\u6f14\u6295\u8d44\u7ec4\u5408\u4e2d\u201c\u7a33\u5b9a\u5668\u201d\u548c\u201c\u5bf9\u51b2\u5de5\u5177\u201d\u7684\u89d2\u8272\u3002\u5bf9\u4e8e\u4fdd\u5b88\u578b\u6295\u8d44\u8005\uff0c\u53ef\u914d\u7f6e\u8f83\u9ad8\u6bd4\u4f8b\u7684\u77ed\u671f\u7f8e\u503a\u6216\u8d27\u5e01\u57fa\u91d1\uff0c\u76ee\u6807\u662f\u4fdd\u672c\u548c\u7a33\u5b9a\u73b0\u91d1\u6d41\uff1b\u5747\u8861\u578b\u7ec4\u5408\u53ef\u4ee5\u201c\u80a1\u516d\u503a\u56db\u201d\u4e3a\u57fa\u7840\uff0c\u7528\u4e2d\u671f\u7f8e\u503aETF\u5bf9\u51b2\u80a1\u7968\u6ce2\u52a8\u3002<\/p>\n<p>\u6e2f\u80a1\u7f8e\u80a1\u5219\u80fd\u6709\u6548\u5206\u6563\u4eba\u6c11\u5e01\u8d44\u4ea7\u98ce\u9669\u3002\u9999\u6e2f\u6295\u8d44\u8005\u53ef\u901a\u8fc7\u6e2f\u80a1\u901a\u6216\u76f4\u63a5\u5f00\u7acb\u6e2f\u7f8e\u80a1\u8d26\u6237\u53c2\u4e0e\uff0c2025\u5e74\u4e00\u5b63\u5ea6\u6e2f\u80a1\u901a\u6e20\u9053\u4ecd\u6682\u514d\u4e2a\u4eba\u6240\u5f97\u7a0e\u3002\u5883\u5916\u80a1\u7968\u6295\u8d44\u6536\u76ca\u9700\u630920%\u7a0e\u7387\u7533\u62a5\u4e2a\u7a0e\uff0c\u9996\u6279\u6536\u5230\u901a\u77e5\u7684\u5927\u6237\u8865\u7f34\u91d1\u989d\u4ece\u5341\u4f59\u4e07\u5230\u4e0a\u767e\u4e07\u4e0d\u7b49\u3002\u901a\u8fc7\u6e2f\u80a1\u6216\u7f8e\u80a1\u6301\u4ed3\uff0c\u53ef\u4ee5\u4eab\u53d7\u5230\u5168\u7403\u7ecf\u6d4e\u6210\u957f\u7684\u7ea2\u5229\uff0c\u907f\u514d\u5355\u4e00\u4eba\u6c11\u5e01\u8d44\u4ea7\u655e\u53e3\u3002<\/p>\n<p>\u9999\u6e2f\u4fdd\u9669\u4ea7\u54c1\u7684\u975e\u4fdd\u8bc1\u6536\u76ca\u9700\u8981\u8b66\u60d5\u3002\u9999\u6e2f\u50a8\u84c4\u9669\u6295\u8d44\u8303\u56f4\u8986\u76d6\u5168\u7403\u80a1\u5e02\u3001\u503a\u5238\u3001\u6838\u5fc3\u5730\u4ea7\u3001\u5927\u5b97\u5546\u54c1\uff0c\u4ee5\u5934\u90e8\u4fdd\u9669\u516c\u53f8\u4e3a\u4f8b\uff0c\u7f8e\u503a\u6301\u4ed3\u5747\u503c\u8fbe59%\u3002\u4f46\u975e\u4fdd\u8bc1\u6536\u76ca\u53d7\u516c\u53f8\u6295\u8d44\u8868\u73b0\u5f71\u54cd\uff0c\u7ea2\u5229\u5e76\u975e\u56fa\u5b9a\u6536\u76ca\u3002\u65e9\u671f\u9000\u4fdd\u53ef\u80fd\u9762\u4e34\u6298\u6263\u6216\u635f\u5931\u73b0\u91d1\u4ef7\u503c\u3002\u4efb\u4f55\u5de5\u5177\u90fd\u6709\u4e24\u9762\u6027\uff0c\u7406\u89e3\u9999\u6e2f\u4fdd\u9669\u7684\u4f18\u52bf\u4e0e\u5c40\u9650\u662f\u7406\u6027\u914d\u7f6e\u7684\u524d\u63d0\u3002<\/p>\n<blockquote><p>\u9999\u6e2f\u8d44\u6df1\u4fdd\u9669\u4e2d\u4ecb\u9732\u897f\u544a\u8bc9\u5927\u7eaa\u5143\uff0c\u5f88\u591a\u5185\u5730\u4eba\u4e70\u9999\u6e2f\u4fdd\u9669\u6709\u591a\u79cd\u539f\u56e0\uff1a\u9996\u5148\u662f\u9999\u6e2f\u4e70\u4fdd\u9669\u4fdd\u969c\u8303\u56f4\u6bd4\u8f83\u5bbd\uff1b\u5176\u6b21\u9999\u6e2f\u6295\u8d44\u4e70\u4fdd\u9669\u662f\u79bb\u5cb8\u6295\u8d44\uff0c\u94b1\u4e0d\u5728\u5927\u9646\uff0c\u5229\u606f\u6bd4\u8f83\u9ad8\uff0c\u4e0d\u4f1a\u8d2c\u503c\uff1b\u53e6\u5916\u9999\u6e2f\u4fdd\u5355\u505a\u7684\u662f\u56fd\u9645\u5316\u4e1a\u52a1\uff0c\u4e0d\u4f1a\u53d7\u5927\u9646\u6cd5\u5f8b\u5f71\u54cd\u3002<\/p><\/blockquote>\n<p>\u503a\u5238\u3001\u80a1\u7968\u3001\u4fdd\u9669\u7684\u914d\u7f6e\u6bd4\u4f8b\u6309\u98ce\u9669\u504f\u597d\u8bbe\u5b9a\uff1a\u4fdd\u5b88\u578b\u6295\u8d44\u8005\u53ef\u4fa7\u91cd\u503a\u5238\uff1a\u503a\u523860%\uff0c\u4fdd\u966925%\uff0c\u80a1\u796815%\uff1b\u5747\u8861\u578b\u6295\u8d44\u8005\uff1a\u503a\u523840%\uff0c\u4fdd\u966920%\uff0c\u80a1\u796840%\uff1b\u8fdb\u53d6\u578b\u6295\u8d44\u8005\uff1a\u503a\u523820%\uff0c\u4fdd\u966915%\uff0c\u80a1\u796865%\u3002\u4e0d\u5efa\u8bae\u5c06\u5168\u90e8\u8d44\u4ea7\u653e\u5728\u4e00\u5f20\u4fdd\u9669\u5355\u91cc\uff0c\u5e94\u4f5c\u4e3a\u8d44\u4ea7\u7ec4\u5408\u4e2d\u7684\u4e00\u90e8\u5206\uff0c\u5360\u6bd4\u4e0d\u5b9c\u8fc7\u9ad8\u3002<\/p>\n<p>2025\u5e74\u7f8e\u8054\u50a8\u964d\u606f\u9884\u671f\u4e0b\uff0c\u503a\u5238\u66f4\u6297\u8dcc\u3002\u9999\u6e2f\u4fdd\u9669\u901a\u8fc7\u589e\u52a0\u65b0\u5174\u5e02\u573a\u503a\u5238\u914d\u7f6e\uff0c\u80fd\u6709\u6548\u5bf9\u51b2\u7f8e\u5143\u8d44\u4ea7\u6536\u76ca\u4e0b\u6ed1\u98ce\u9669\u3002\u9ec4\u91d1\u4f5c\u4e3a\u5206\u6563\u7f8e\u5143\u98ce\u9669\u7684\u91cd\u8981\u5de5\u5177\uff0c\u6bcf\u5f53\u91d1\u4ef7\u51fa\u73b0\u6280\u672f\u8c03\u6574\u65f6\uff0c\u6216\u8bb8\u5c31\u662f\u6295\u8d44\u7684\u673a\u4f1a\u51fa\u73b0\u3002\u540c\u65f6\uff0c\u4e3a\u66f4\u6709\u6548\u5730\u964d\u4f4e\u7f8e\u5143\u98ce\u9669\uff0c\u6295\u8d44\u90e8\u7f72\u53ef\u4ee5\u8fdb\u4e00\u6b65\u5c06\u6b27\u5143\u3001\u65e5\u5143\u3001\u6fb3\u5143\u7eb3\u5165\u6295\u8d44\u7ec4\u5408\u3002<\/p>\n<p>\u503c\u5f97\u5173\u6ce8\u7684\u662f\uff0c\u5185\u5730\u5b58\u6b3e\u5229\u7387\u4e0b\u8c03\uff0c1\u5e74\u671f\u5927\u989d\u5b58\u5355\u5229\u7387\u8c03\u81f31.45%\uff0c2\u5e74\u671f1.45%\uff0c3\u5e74\u671f1.9%\uff0c\u8fd9\u610f\u5473\u7740\u5b58\u6b3e\u8d44\u91d1\u52a0\u901f\u6d41\u5411\u9999\u6e2f\u50a8\u84c4\u9669\u4ea7\u54c1\u3002\u9999\u6e2f\u50a8\u84c4\u9669\u4ea7\u54c1\u6210\u4e3a\u8bb8\u591a\u9ad8\u51c0\u503c\u5ba2\u6237\u7684\u6295\u8d44\u65b0\u5ba0\uff0c\u4fdd\u8d39\u8fde\u8fde\u521b\u65b0\u9ad8\u3002<\/p>\n<p>\u5bf9\u4e8e\u6709\u6df1\u8bfb\u9700\u6c42\u7684\u6295\u8d44\u8005\uff0c\u9999\u6e2f\u4fdd\u9669\u7684\u6536\u76ca\u5e73\u6ed1\u673a\u5236\u503c\u5f97\u4e86\u89e3\uff1a\u516c\u53f8\u901a\u8fc7\u5168\u7403\u8d44\u4ea7\u914d\u7f6e\u548c\u5185\u90e8\u7f13\u51b2\u673a\u5236\uff0c\u80fd\u591f\u5b9e\u73b0\u6536\u76ca\u6ce2\u52a8\u7684\u5e73\u6ed1\uff0c\u964d\u4f4e\u6295\u8d44\u7ec4\u5408\u7684\u843d\u5dee\u98ce\u9669\u3002\u5728\u5e02\u573a\u4e0b\u884c\u65f6\uff0c\u516c\u53f8\u53ef\u7559\u5b58\u7ea2\u5229\u7f13\u51b2\u90e8\u5206\u6536\u76ca\u6ce2\u52a8\uff0c\u8ba9\u957f\u671f\u6301\u6709\u8005\u83b7\u5f97\u8f83\u4e3a\u7a33\u5b9a\u7684\u56de\u62a5\u3002<br \/>\u6839\u636e\u9999\u6e2f\u4fdd\u76d1\u5c40\u6700\u65b0\u6570\u636e\uff0c2025\u5e74\u9996\u5b63\u7f8e\u5143\u4fdd\u5355\u5360\u6bd477%\uff0c\u6e2f\u5e01\u4fdd\u535518%\uff0c\u4eba\u6c11\u5e01\u4fdd\u5355\u53ea\u67094%\u3002\u5185\u5730\u5ba2\u6237\u53ef\u9009\u62e9\u591a\u5e01\u79cd\u4fdd\u5355\uff0c\u80fd\u6839\u636e\u6c47\u7387\u60c5\u51b5\u6362\u5f3a\u52bf\u6216\u4fbf\u5b9c\u7684\u5e01\u79cd\uff0c\u6709\u6548\u5bf9\u51b2\u4eba\u6c11\u5e01\u8d2c\u503c\u98ce\u9669\u3002<\/p>\n<p><!-- shiyao-sources-START --><\/p>\n<div class=\"shiyao-sources\" style=\"margin:40px 0 20px;padding:20px 24px;background:#f7f4ed;border-left:3px solid #8B7355;border-radius:4px;font-size:14px;line-height:1.8\">\n<h3 style=\"margin:0 0 12px;font-size:16px;font-weight:600;color:#3A352F;letter-spacing:.05em\">\u4fe1\u606f\u6765\u6e90<\/h3>\n<p style=\"margin:0 0 10px;color:#666;font-size:13px\">\u672c\u6587\u6574\u7406\u81ea\u4ee5\u4e0b\u516c\u5f00\u6750\u6599\uff1a<\/p>\n<ul style=\"margin:0 0 14px;padding-left:20px;color:#3A352F\">\n<li><a href=\"https:\/\/finance.sina.com.cn\/wm\/2025-05-10\/doc-inevzpzi7956971.shtml?froms=ggmp\" target=\"_blank\" rel=\"noopener nofollow\">\u4e2d\u4ea7\u5fc5\u770b\uff01\u4e00\u6587\u8bfb\u61c2\u9999\u6e2f\u50a8\u84c4\u9669\uff0c\u8fd9\u4e9b\u4f18\u52bf\u4e0e\u98ce\u9669\u4f60\u5fc5\u987b\u77e5\u9053|\u9999\u6e2f_\u65b0\u6d6a\u8d22\u7ecf_\u65b0\u6d6a\u7f51<\/a><\/li>\n<li><a href=\"https:\/\/www.hkinsu.com\/sort\/policy\/35708.html\" target=\"_blank\" rel=\"noopener nofollow\">\u9999\u6e2f\u4fdd\u9669\u5728\u6d77\u5916\u8d44\u4ea7\u914d\u7f6e\u4e2d\u7684\u4f5c\u7528 &#8211; \u9999\u6e2f\u4fdd\u9669\u8d44\u8baf\u7f51<\/a><\/li>\n<li><a href=\"https:\/\/fan-crossborder.com\/archives\/8828\" target=\"_blank\" rel=\"noopener nofollow\">\u5883\u5916\u6295\u8d44\u6e2f\u80a1\u7f8e\u80a1\u7f3420%\u7a0e\uff0c\u90a3\u9999\u6e2f\u4fdd\u9669\u5462\uff1f | \u8001\u8303\u8de8\u5883<\/a><\/li>\n<li><a href=\"https:\/\/www.moneyhero.com.hk\/zh\/investment\/blog\/%E7%BE%8E%E5%9C%8B%E5%9C%8B%E5%82%B5-%E8%B2%B7%E7%BE%8E%E5%82%B5%E6%9C%89%E7%94%9A%E9%BA%BC%E9%A2%A8%E9%9A%AA%E6%B8%AF%E4%BA%BA%E5%A6%82%E4%BD%95%E6%8A%95%E8%B3%87%E7%BE%8E%E5%82%B5\" target=\"_blank\" rel=\"noopener nofollow\">\u3010\u7f8e\u570b\u570b\u50b5\u3011\u8cb7\u7f8e\u50b5\u6709\u751a\u9ebc\u98a8\u96aa\uff1f\u6e2f\u4eba\u5982\u4f55\u6295\u8cc7\u7f8e\u50b5\uff1f &#8211; MoneyHero<\/a><\/li>\n<li><a href=\"https:\/\/www.epochtimes.com\/gb\/24\/6\/20\/n14274318.htm\" target=\"_blank\" rel=\"noopener nofollow\">\u4eba\u6c11\u5e01\u51fa\u9003 \u5185\u5730\u6e38\u5ba2\u8702\u62e5\u8d74\u6e2f\u4e70\u4fdd\u9669 | \u9999\u6e2f\u4fdd\u9669 | \u7f8e\u5143 | \u6295\u8d44 | \u5927\u7eaa\u5143<\/a><\/li>\n<li><a href=\"https:\/\/www.hangseng.com\/cms\/ipd\/chi\/analyses\/PDF\/allocationsc.pdf\" target=\"_blank\" rel=\"noopener nofollow\">[PDF] \u6700\u65b0\u7126\u70b9\u5206\u6790\u2013 2026 \u7b2c\u4e8c\u5b63\u8d44\u4ea7\u914d\u7f6e\u7b56\u7565\uff1a \u4e3a\u6295\u8d44\u7ec4\u5408\u6297\u901a\u80c0<\/a><\/li>\n<li><a href=\"https:\/\/www.hkcba.com.hk\/wp-content\/uploads\/2025\/02\/2025.02.05-6%E9%A0%85%E6%B7%B1%E5%8C%96%E5%85%A9%E5%9C%B0%E9%87%91%E8%9E%8D%E5%90%88%E4%BD%9C%E6%96%B0%E8%88%89%E6%8E%AA%E8%A7%A3%E8%AE%80.pdf\" target=\"_blank\" rel=\"noopener nofollow\">[PDF] 6\u9879\u6df1\u5316\u4e24\u5730\u91d1\u878d\u5408\u4f5c\u65b0\u4e3e\u63aa\u89e3\u8bfb<\/a><\/li>\n<li><a href=\"https:\/\/www.wellington.com\/zh-hk\/individual\/funds\/credit-income-fund\" target=\"_blank\" rel=\"noopener nofollow\">\u5a01\u9748\u9813\u50b5\u5238\u5165\u606f\u57fa\u91d1<\/a><\/li>\n<\/ul>\n<p style=\"margin:0;color:#777;font-size:12.5px;font-style:italic\">\u672c\u6587\u7531 Dion \u6574\u7406\u4e0e\u64b0\u5199\uff0c\u7ed3\u5408 AI \u5de5\u5177\u8f85\u52a9\u3002\u5982\u6709\u4e8b\u5b9e\u9519\u8bef\uff0c\u8bf7\u901a\u8fc7\u9875\u811a\u8054\u7cfb\u65b9\u5f0f\u53cd\u9988\u3002<\/p>\n<\/div>\n<p><!-- shiyao-sources-END --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u62ff\u5230\u9999\u6e2f\u8eab\u4efd\u540e\uff0c\u7f8e\u5143\u8d44\u4ea7\u5efa\u8bae\u4f18\u5148\u914d\u7f6e\u7f8e\u5143\u503a\u5238\u4f5c\u4e3a\u7a33\u5b9a\u5668\uff0c\u518d\u642d\u914d\u6e2f\u80a1\u7f8e\u80a1\u5206\u6563\u98ce\u9669\uff0c\u4fdd\u9669\u4ea7\u54c1\u9700\u8b66\u60d5\u975e\u4fdd\u8bc1\u6536\u76ca\u3002\u5f53\u524d10\u5e74\u671f\u7f8e\u503a\u6536\u76ca\u7387\u7ea64.5%\uff0c30\u5e74\u671f\u63a5\u8fd15%\uff0c\u63d0\u4f9b\u660e\u786e\u7a33\u5b9a\u6536\u76ca\u3002\u4fdd\u9669\u7684\u975e\u4fdd\u8bc1\u6536\u76ca\u53ef\u80fd\u4f4e\u4e8e\u9884\u671f\uff0c\u65e9\u671f\u9000\u4fdd\u635f\u5931\u5927\uff0c\u4e09\u8005\u5e94\u6309\u98ce\u9669\u504f\u597d\u6392\u5e8f\u914d\u7f6e\u3002<\/p>\n","protected":false},"author":1,"featured_media":28,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-27","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-strategy"],"_links":{"self":[{"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/posts\/27","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/comments?post=27"}],"version-history":[{"count":0,"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/posts\/27\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/media\/28"}],"wp:attachment":[{"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/media?parent=27"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/categories?post=27"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shiyao.ltd\/hongkong\/wp-json\/wp\/v2\/tags?post=27"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}