目 录摘 要...........................................................................................................................................................1关键词...........................................................................................................................................................1一、投资理财资金分配的理论基础...........................................................................................................2（一）生命周期理论...................................................................................................................................2（二）现代有效投资组合理论...................................................................................................................2二、投资理财资金分配的现状...................................................................................................................3（一）投资理财资金分配的合理性现状...................................................................................................3（二）投资理财资金分配的风险性现状...................................................................................................3（三）投资理财资金分配的发展方向.......................................................................................................3三、投资理财资金分配的问题分析...........................................................................................................3（一）投资理财资金分配的合理性分析...................................................................................................3（二）投资理财资金分配的风险性分析...................................................................................................4 1 缺乏风险规避能力。............................................................................................................................4 2 缺乏投资信息交流渠道。.................................................................................................................
