The main reasons for building an investment portfolio with various assets using #分散资产 are primarily risk diversification and stable returns, which is known as asset diversification. Here are the main reasons:

1. Risk Diversification

Different assets have different characteristics and risk factors.

Even if one asset or market (such as the stock market) declines, other assets (such as bonds, commodities, etc.) may offset some of the losses.

For example, when stocks decline, bonds as safe-haven assets typically rise.

2. Stability of Returns

If relying on a single asset, the portfolio may experience significant fluctuations due to market volatility.

Including various assets can help offset the losses of one asset with the gains of another, making overall returns more stable.

3. Ability to Respond to Market Changes

Different economic conditions lead to varying performances among asset classes:

Economic Prosperity: Stocks and real estate perform better.

Economic Recession: Safe-haven assets like bonds and gold have an advantage.