Fund fixed investment strategy adjustment method and device, electronic equipment and storage medium

Abstract

The embodiment of the invention provides a fund fixed investment strategy adjustment method and device, electronic equipment and a storage medium, and relates to the technical field of finance, and the method comprises the steps: analyzing the degree value of the net value fluctuation degree of a fund market in a specified time period in a process of executing fund fixed investment according to a target fund fixed investment strategy; obtaining a risk bearing capacity value which can be borne by the target user; if the difference between the degree value and the risk bearing capacity value exceeds a preset range, adjusting the target fund fixed investment strategy based on the degree value and the risk bearing capacity value to obtain an adjusted fund fixed investment strategy; outputting the adjusted fund fixed investment strategy to the target user; and in response to confirmation of the adjusted fund fixed investment strategy, determining the adjusted fund fixed investment strategy as a new target fund fixed investment strategy so as to execute fund fixed investment on the target user. According to the invention, the fund fixed investment strategy can be flexibly adjusted so as to meet the investment experience requirement of the user.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of finance, and in particular to a fund investment strategy adjustment method and device, an electronic device, and a storage medium. BACKGROUND

[0002] Fund investment is a financial management method of investing in funds at regular intervals and amounts, specifically, investing in a specified fund at a fixed time frequency (such as the 10th of each month) and a fixed amount (such as 1000 yuan).

[0003] In related technologies, a user selects a fund investment strategy for fund investment, and fund investment is performed according to the fund investment strategy until the user indicates to end fund investment.

[0004] However, fund investment according to related technologies is not flexible enough in the investment process, and cannot meet the increasingly high investment experience needs of users. SUMMARY

[0005] Embodiments of the present application aim to provide a fund investment strategy adjustment method and device, an electronic device, and a storage medium, which can flexibly adjust fund investment strategies and meet the investment experience needs of users. The specific technical solutions are as follows:

[0006] In a first aspect, embodiments of the present application provide a fund investment strategy adjustment method, which includes:

[0007] During fund investment according to a target fund investment strategy, the degree value of the degree of net value fluctuation of the fund market in a specified period is analyzed, wherein the target fund investment strategy is the strategy used for fund investment of a target user, and the specified period is a period ending at the current time and having a specified length;

[0008] When the degree value of the degree of net value fluctuation is obtained, the degree value of the degree of net value fluctuation that the target user can withstand is obtained, and a risk tolerance value is obtained;

[0009] In response to a difference between the obtained degree value and the risk tolerance value exceeding a predetermined range, the target fund investment strategy is adjusted based on the obtained degree value and the risk tolerance value, and an adjusted fund investment strategy is obtained; wherein the adjustment is used to adapt the risk degree of the adjusted fund investment strategy to the risk tolerance value and the obtained degree value;

[0010] The adjusted fund investment strategy is output to the target user;

[0011] in response to the target user confirming the adjusted fund investment strategy, determining the adjusted fund investment strategy as a new target fund investment strategy to perform fund investment for the target user.

[0012] In a second aspect, an embodiment of the present application provides a fund investment strategy adjustment device, which comprises:

[0013] an analysis module, configured to analyze a degree value of a fund value fluctuation degree in a specified period of time in a process of performing fund investment according to a target fund investment strategy, wherein the target fund investment strategy is a strategy used when performing fund investment for a target user, and the specified period of time is a period of time ending at a current time and having a specified length;

[0014] an acquisition module, configured to acquire a degree value of a fund value fluctuation degree that the target user can bear when the degree value of the fund value fluctuation degree is obtained by analysis, to obtain a risk bearing capacity value;

[0015] a first adjustment module, configured to perform adjustment processing on the target fund investment strategy based on the degree value obtained by analysis and the risk bearing capacity value in response to a difference between the degree value obtained by analysis and the risk bearing capacity value exceeding a predetermined range, to obtain an adjusted fund investment strategy, wherein the adjustment processing is used to make a risk degree of the adjusted fund investment strategy adapt to the risk bearing capacity value and the degree value obtained by analysis;

[0016] a first output module, configured to output the adjusted fund investment strategy to the target user;

[0017] a determination module, configured to determine the adjusted fund investment strategy as a new target fund investment strategy in response to the target user confirming the adjusted fund investment strategy, to perform fund investment for the target user.

[0018] In a third aspect, an embodiment of the present application provides an electronic device, comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory complete communication with each other through the communication bus.

[0019] the memory, configured to store a computer program;

[0020] the processor, configured to execute the program stored in the memory, to implement any of the fund investment strategy adjustment methods.

[0021] In a fourth aspect, the embodiments of the present application provide a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program, when executed by a processor, implements the fund investment strategy adjustment method.

[0022] The embodiments of the present application also provide a computer program product comprising instructions which, when the program is executed by a computer, cause the computer to carry out any of the fund investment strategy adjustment methods described above.

[0023] The embodiments of the present application have the following beneficial effects:

[0024] The fund investment strategy adjustment method provided by the embodiments of the present application can analyze the degree value of the fund market net value fluctuation degree in a specified period of time, which is a period of time ending at the current time and having a specified length, i.e., the fund market net value fluctuation degree can be analyzed in real time, and can obtain the risk tolerance capacity value of the target user, and when the difference between the analyzed degree value and the risk tolerance capacity value exceeds a predetermined range, i.e., the difference between the target user's tolerable fluctuation degree and the fund market fluctuation degree is too large, the fund investment strategy of the target user can be adjusted based on the analyzed degree value and the risk tolerance capacity value to adapt to the real-time fund market fluctuation degree and the target user's tolerable fluctuation degree. Then, the adjusted fund investment strategy can be output to the target user, and after the target user confirms, the adjusted fund investment strategy is determined as a new target fund investment strategy to perform fund investment on the target user that matches the fund market fluctuation degree and the target user's tolerable fluctuation degree. The fund investment strategy of the target user can be adjusted based on the fund market fluctuation degree and the target user's tolerable fluctuation degree, and the adjusted fund investment strategy can be output to the target user for confirmation. Therefore, the fund investment strategy can be flexibly adjusted to meet the investment experience needs of the user.

[0025] Of course, implementing any product or method of the present application does not necessarily require all the advantages described above to be achieved at the same time. BRIEF DESCRIPTION OF DRAWINGS

[0026] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings needed in the embodiments or prior art description. Obviously, the drawings in the following description are only some embodiments of the present application, and other embodiments can also be obtained by those skilled in the art based on these drawings.

[0027] Figure 1A flowchart of a fund investment strategy adjustment method provided by an embodiment of the present application is shown in FIG. 1.

[0028] Figure 2 Another flowchart of the fund investment strategy adjustment method provided by an embodiment of the present application is shown in FIG. 2.

[0029] Figure 3 Still another flowchart of the fund investment strategy adjustment method provided by an embodiment of the present application is shown in FIG. 3.

[0030] Figure 4 A structural diagram of a fund investment strategy adjustment device provided by an embodiment of the present application is shown in FIG. 4.

[0031] Figure 5 A block diagram of an electronic device provided by an embodiment of the present application is shown in FIG. 5. DETAILED DESCRIPTION

[0032] The technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only some of the embodiments of the present application, but not all the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art based on the present application belong to the scope of protection of the present application.

[0033] At present, when performing fund investment, a user can use a simulation tool or an investment calculator to predict the income. The investment calculator can calculate the income based on the historical net value of a fund, but cannot flexibly adjust the time frequency and the amount of the investment. The simulation tool can simulate and predict the income by some methods, but depends on the historical net value of the fund to predict the income, and the predicted income is likely to be mismatched with the fluctuation degree of the fund market and the risk that the user can bear, that is, the predicted income is not accurate enough. The related art can predict the income, but the predicted income is not accurate enough, and when performing fund investment, the fund investment is always performed according to the time frequency and the amount of the fund investment strategy selected by the user before the user indicates to end the fund investment. The fund investment process is not flexible enough, and cannot meet the increasing investment experience demand of the user.

[0034] Therefore, the embodiments of the present application provide a fund investment strategy adjustment method, device, electronic device and storage medium, which can flexibly adjust the fund investment strategy to meet the investment experience demand of the user.

[0035] The fund investment strategy adjustment method provided by the embodiments of the present application will be introduced first below.

[0036] The fund investment strategy adjustment method provided by the embodiments of the present application can be applied to an electronic device, which can be a terminal device or a server. For example, the terminal device can be a mobile phone, a computer, or the like, and the present application does not limit the specific form of the electronic device. The fund investment strategy adjustment method provided by the embodiments of the present application can be applied to any scenario of flexible adjustment of a fund investment strategy, for example, a scenario of flexible adjustment of a fund investment strategy based on the real-time fluctuation degree of a fund market and the fluctuation degree that a user can bear during the execution of fund investment according to a fund investment strategy selected by the user. Moreover, the fund to which the fund investment strategy in the present application is directed can be a fund selected by the user from a plurality of candidate funds recommended by the user for fund investment, and the present application does not limit the fund to which the fund investment process is directed. The focus of the present application is to flexibly adjust the fund investment strategy during the execution of fund investment, and the specific category of the fund to be invested (the fund to be invested can be any fund, for example, an education fund or an agricultural fund) is not concerned.

[0037] In addition, the execution subject of the fund investment strategy adjustment method provided by the embodiments of the present application can be a fund investment strategy adjustment device. For example, when the fund investment strategy adjustment method is applied to a client, the fund investment strategy adjustment device can be functional software running on a terminal device, for example, functional software for flexible adjustment of a fund investment strategy. Moreover, the fund investment strategy adjustment device can also be a plug-in in an existing client, for example, a plug-in in a financial client with a fund investment function. At this time, the fund investment strategy adjustment device can interact with the user based on the financial client, so that the user can adjust the fund investment strategy. For example, when the fund investment strategy adjustment method is applied to a server, the fund investment strategy adjustment device can also be a functional module in the server, and the present application does not limit this.

[0038] The fund investment strategy adjustment method provided by the embodiments of the present application can include the following steps:

[0039] During the execution of fund investment according to a target fund investment strategy, the degree value of the fluctuation degree of the net value of the fund market in a specified period is analyzed, wherein the target fund investment strategy is a strategy used for fund investment of a target user, and the specified period is a period ending at the current time and having a specified length.

[0040] When the degree value of the fluctuation degree of the net value is analyzed, the degree value of the fluctuation degree of the net value that the target user can bear is obtained, and a risk tolerance value is obtained.

[0041] In response to a difference between the degree value obtained by analysis and the risk tolerance value exceeding a predetermined range, adjusting the target fund fixed investment strategy based on the degree value obtained by analysis and the risk tolerance value to obtain an adjusted fund fixed investment strategy; wherein the adjustment is used to make the risk degree of the adjusted fund fixed investment strategy compatible with the risk tolerance value and the degree value obtained by analysis;

[0042] Outputting the adjusted fund fixed investment strategy to the target user;

[0043] In response to the target user's confirmation of the adjusted fund fixed investment strategy, the adjusted fund fixed investment strategy is determined as a new target fund fixed investment strategy to execute fund fixed investment for the target user.

[0044] The present invention provides a fund fixed investment strategy adjustment method. In the process of executing a target user's fund fixed investment according to a target fund fixed investment strategy, the present invention can analyze the degree of net asset value fluctuation of the fund market within a specified period, where the specified period is a period ending at the current time and having a specified duration. That is, the present invention can analyze the degree of net asset value fluctuation of the fund market in real time; and obtain the target user's risk tolerance value. When the difference between the degree value obtained by analysis and the risk tolerance value exceeds a predetermined range, that is, the difference between the target user's tolerable volatility and the fund market's volatility is too large, the present invention can adjust the target fund fixed investment strategy based on the analyzed degree value and the risk tolerance value to adapt to the real-time fund market volatility and the target user's tolerable volatility. Afterwards, the adjusted fund fixed investment strategy can be output to the target user. After the target user confirms, the adjusted fund fixed investment strategy is determined as the new target fund fixed investment strategy, so that the target user executes a fund fixed investment that matches the fund market volatility and the target user's tolerable volatility. The present invention can adjust the target user's target fund fixed investment strategy based on the volatility of the fund market and the volatility that the target user can tolerate, and output the adjusted fund fixed investment to the target user for confirmation. This shows that the present invention can flexibly adjust the fund fixed investment strategy to meet the user's investment experience needs.

[0045] The following is an exemplary introduction to a fund fixed investment strategy adjustment method provided by an embodiment of the present invention in conjunction with the accompanying drawings.

[0046] like Figure 1 As shown, a method for adjusting a fund fixed investment strategy provided by an embodiment of the present invention may include the following steps:

[0047] S101: In the process of performing fund investment according to the target fund investment strategy, the degree value of the degree of fluctuation of the fund market in the specified period is analyzed;

[0048] The target fund investment strategy is a strategy used for fund investment of a target user, and the specified period is a period ending at the current time and having a specified length.

[0049] In order to realize flexible adjustment of the fund investment strategy, the degree value of the degree of fluctuation of the fund market in the specified period is analyzed in the process of performing fund investment according to the target fund investment strategy, the specified period is a period ending at the current time and having a specified length, that is, the degree value of the degree of fluctuation of the real-time fund market can be analyzed. The target fund investment strategy is a strategy used for fund investment of a target user, and the target fund investment strategy can be a fund investment strategy for a specific fund, which can be selected from a plurality of candidate funds, and the selection method of the fund is not the focus of the present application, which will not be described here. In addition, the specified period can be understood as the historical period closest to the current period, and for the fund market, it is usually analyzed based on days, that is, the specified period can be the previous day or the previous working day, and the specified length is one day. The specified length can also be 15 minutes, etc., to ensure the real-time of the degree value obtained by analysis, which is not limited by the present application.

[0050] In analyzing the degree value of the degree of fluctuation of the fund market in the specified period, the net value of each fund in the fund market in the specified period can be obtained, and the degree value of the degree of fluctuation of the net value can be analyzed. Alternatively, the degree value of the degree of fluctuation of the fund market in the specified period can be directly obtained, which can be calculated by a financial organization or a statistical organization.

[0051] In addition, when the obtained degree value is too large, for example, greater than a predetermined threshold, or when the volatility index of the financial market (including the market of financial products such as funds and stocks, etc.) or the macro evaluation index of the market is abnormal, the obtained degree value can be corrected. For example, a Bayesian correction model is called to correct extreme values or abnormal data sources in the net value of each fund in the fund market in the specified period according to historical data and the net value of each fund in the fund market in the specified period, to ensure the accuracy of the obtained degree value.

[0052] The volatility index of the financial market is obtained by calculating the standard deviation of the daily return rate based on historical price data, and then annualizing the calculated standard deviation according to the working days, for example, the standard deviation of the daily return rate is 1%, assuming that there are 252 working days in a year, then the volatility index of the financial market is: The abnormality of the fluctuation index of the financial market can be understood as that the fluctuation index of the financial market is too large, for example, the fluctuation index of the financial market is greater than 20%, and then the fluctuation index of the financial market is considered to be abnormal. The macro evaluation index of the market can be the purchasing managers' index (PMI) or the consumer price index (CPI), and the macro evaluation index of the market is abnormal when the PMI is less than 50% or the CPI is greater than the maximum historical CPI.

[0053] For example, in an implementation mode, the target fund investment strategy can be selected by the target user, or the application can combine the portrait data of the target user and the fluctuation degree of the fund market to more flexibly select the target fund investment strategy matched with the target user and the fluctuation degree of the fund market; before the process of performing fund investment according to the target fund investment strategy, the determination mode of the target fund investment strategy comprises:

[0054] determining the matched investment mode and the investment strategy content set for the investment mode according to the portrait data of the target user and the degree value of the net value fluctuation degree of the fund market in a predetermined period, and the matched dividend mode, to obtain the target fund investment strategy;

[0055] The portrait data of the target user includes the degree value of the net value fluctuation degree that the target user can bear, and the historical behavior data of the target user on the investment mode and the dividend mode of the fund.

[0056] In the application, the target fund investment strategy can be determined based on the portrait data of the target user and the degree value of the net value fluctuation degree of the fund market in a predetermined period, the matched investment mode and the investment strategy content set for the investment mode, and the matched dividend mode, to obtain the target fund investment strategy; then the target fund investment strategy can be output to the target user, so that the target user confirms the target fund investment strategy and performs the process of fund investment according to the target fund investment strategy. The portrait data of the target user can include the degree value of the net value fluctuation degree that the target user can bear, which can be understood as the maximum fluctuation degree of the net value that the target user can bear, for example, 20%; the portrait data of the target user can also include the historical behavior data of the target user on the investment mode and the dividend mode of the fund, that is, the historical fund investment behavior data of the target user, from which the historical behavior data of the target user on the investment mode and the dividend mode of the fund can be analyzed, which can represent the preference of the target user for the investment mode and the dividend mode of the fund.

[0057] For example, the fund investment mode can include: equal share investment mode and equal amount investment mode, the dividend mode can include: cash dividend mode and reinvestment dividend mode; if the target user can bear the degree value of the net value fluctuation is larger (for example, 30%), the fund market has a larger degree value of the net value fluctuation in a predetermined period, and the historical behavior data of the target user indicates that the target user prefers the equal share investment mode, that is, the target user can bear a larger risk, the target user is an aggressive user, and the fund market has a larger fluctuation degree, the target fund investment strategy can include: equal share investment mode, the investment strategy content (the time frequency of investment, and the share of each investment) set by the equal share investment mode, and the reinvestment dividend mode; if the target user can bear the degree value of the net value fluctuation is smaller (for example: 10%), and the fund market has a larger degree value of the net value fluctuation in a predetermined period, the historical behavior data of the target user does not indicate the preferred investment mode and dividend mode of the target user (that is, the target user has not performed fund investment before), that is, the target user can bear a smaller risk, the target user is a conservative user, but the fund market has a larger fluctuation degree, the target fund investment strategy can include: equal amount investment mode, the investment strategy content (the time frequency of investment, and the amount of each investment) set by the equal amount investment mode, and the cash dividend mode.

[0058] The equal amount investment mode refers to investing the same amount of money in each period; the equal share investment mode refers to buying the same number of fund shares in each period; in the cash dividend mode, the fund dividend is paid in cash, and the dividend amount is not invested in the fund; in the reinvestment dividend mode, the fund dividend is paid in the form of reinvestment, and the dividend amount is used to buy more fund shares.

[0059] It should be noted that the above determination method of the target fund investment strategy is only an example, and a more accurate target fund investment strategy can be determined in combination with the fluctuation index of the financial market or the macro evaluation index of the market, and the present application does not limit this.

[0060] S102: obtaining the degree value of the net value fluctuation, obtaining the degree value of the net value fluctuation that the target user can bear, and obtaining the risk bearing capacity value;

[0061] The present application can also flexibly adjust the fund investment strategy in combination with the fluctuation degree that the target user can bear; after obtaining the degree value of the net value fluctuation, the degree value of the net value fluctuation that the target user can bear is obtained as the risk bearing capacity value of the fluctuation degree that the target user can bear.

[0062] The risk tolerance value of the target user can be obtained through a questionnaire. For example, the questionnaire can include the risk tolerance value of the target user, and the risk tolerance value of the target user can be directly obtained. Alternatively, the questionnaire can be analyzed to obtain the risk tolerance value of the target user. That is, the questionnaire is a questionnaire about the fluctuation degree that the target user can bear, and the risk tolerance value of the target user can be directly or indirectly obtained through the questionnaire.

[0063] In addition, the portrait data of the target user can be constructed for benefit prediction, determination of the target fund investment strategy, and the like. Based on the portrait data of the target user, a more comprehensive and flexible strategy adjustment can be performed for the target user. For example, the weights of each dimension (the user portrait includes data about multiple dimensions of the user) can be determined by using the analytic hierarchy process (AHP), and the portrait features of the target user (for example, the feature value of each dimension is multiplied by the weight of each dimension, and the weighted features of each dimension are spliced) R=(r1, r2, r3, r4, r5) can be constructed based on the obtained risk tolerance value of the target user, the historical investment target of the target user, the historical investment period of the target user, the historical investment amount of the target user, and the holding period data (which can be determined based on the historical behavior data of the target user for fund investment) of the target user. r1-r5 are respectively the feature values of the characteristics of the risk tolerance value of the target user, the historical investment target of the target user, the historical investment period of the target user, the historical investment amount of the target user, and the holding period.

[0064] It should be noted that the degree value can be analyzed first, and then the risk tolerance value is obtained. Alternatively, the risk tolerance value can be obtained first, and then the degree value is analyzed. Alternatively, the degree value is analyzed at the same time, and the risk tolerance value is obtained. The present application does not limit this.

[0065] S103: In response to the difference between the analyzed degree value and the risk tolerance value exceeding a predetermined range, adjusting the target fund investment strategy based on the analyzed degree value and the risk tolerance value to obtain an adjusted fund investment strategy;

[0066] The adjustment processing is used to make the risk degree of the adjusted fund investment strategy adapt to the risk tolerance value and the analyzed degree value.

[0067] After obtaining the degree value of the net value fluctuation degree of the fund market in the specified period and the risk tolerance value of the target user, the difference between the degree value and the risk tolerance value can be analyzed. If the difference exceeds a predetermined range, the target fund investment strategy can be adjusted based on the degree value and the risk tolerance value to obtain an adjusted fund investment strategy, so that the target fund investment strategy can be updated after being confirmed by the user. Each fund investment strategy can be understood as having a risk level. The adjustment processing of the present application can make the risk level of the adjusted fund investment strategy adapt to the risk tolerance value and the degree value, that is, adapt to the fluctuation degree of the fund market and the fluctuation degree that the target user can tolerate.

[0068] For example, in one implementation, the target fund investment strategy includes a first type of sub-strategy and a second type of sub-strategy. The first type of sub-strategy includes a target investment method and investment strategy content set for the target investment method. The second type of sub-strategy is a target dividend method. The target investment method is one of multiple investment methods, and the target dividend method is one of multiple dividend methods.

[0069] The adjustment processing of the target fund investment strategy based on the degree value and the risk tolerance value obtained by analysis includes:

[0070] The adjustment processing of the target fund investment strategy based on the degree value and the risk tolerance value obtained by analysis includes:

[0071] The target fund investment strategy can include a first type of sub-strategy and a second type of sub-strategy. The first type of sub-strategy includes a target investment method and investment strategy content set for the target investment method. The second type of sub-strategy is a target dividend method. The target investment method is one of multiple investment methods, such as one of equal share investment method and equal amount investment method. The target dividend method is one of multiple dividend methods, such as one of cash dividend method and reinvestment dividend method.

[0072] The application can adjust at least one of the target fund investment strategy content, the target dividend mode and the target combination content in the target fund investment strategy based on the obtained degree value and the risk tolerance value, to obtain the fund investment strategy after adjustment processing; the target combination content includes the target investment mode and the investment strategy content set for the target investment mode, that is, when the target investment mode is adjusted, the investment strategy content set for the target investment mode also needs to be adaptively adjusted, for example: adjusting the equal share investment mode to the equal amount investment mode, the investment strategy content of the equal share investment mode is the time frequency of investment and the share of each investment; after adjusting to the equal amount investment mode, the investment strategy content can be adjusted to the time frequency of investment and the amount of each investment.

[0073] It should be noted that the specific examples of adjusting the specified content in the target fund investment strategy based on the degree value and the risk tolerance value will be described in detail in subsequent embodiments, and will not be repeated here.

[0074] In addition, the application can also adjust the specified content in the target fund investment strategy in combination with market data; for example, in one implementation, in response to the investment mode of the target fund investment strategy being the equal amount investment mode and the obtained degree value being greater than the risk tolerance value, the amount of the investment strategy content of the target fund investment strategy is reduced (if it is the equal share investment mode, the share can be reduced); in response to the investment mode of the target fund investment strategy being the equal share investment mode and the trend data of the financial market representing an upward trend, the share of the investment strategy content of the target fund investment strategy is increased (if it is the equal amount investment mode, the equal amount investment mode can be adjusted to the equal share investment mode (for example: changing 1000 yuan each time to 100 shares each time), or the amount of the investment strategy content of the equal amount investment mode is increased). Among them, the increased share = trend intensity x base share, for example: the trend intensity is 20%, and the base share is 100, then the increased share = 20% x 100 = 20.

[0075] It should be noted that the trend data of the financial market can be a moving average convergence divergence (MACD), and the calculation formula of the trend strength can be: trend strength=a1*gold fork (bullish trend starting signal) position score+a2*DIF line (fast line, also called difference, Difference, for short DIF) and DEA line (slow line, also called signal line, which is the smooth line calculated by exponential averaging on the fast line DIF) slope score+a3*column (DIF line and DEA line difference) area score+a4*deviation score, wherein a1-a4 are weight coefficients and decrease in turn, for example: a1=0.4, a2=0.3, a3=0.2, a4=0.1, and the present application does not limit this.

[0076] It should be noted that whether the target fund investment strategy is adjusted based on the degree value and the risk tolerance value, or based on the degree value, the risk tolerance value and the market data, the specified content in the target fund investment strategy can be adjusted; the adjustment based on the degree value and the risk tolerance value can make the risk degree of the adjusted fund investment strategy adapt to the fluctuation degree of the real-time fund market and the fluctuation degree that the target user can bear; combined with the market data, the adjusted fund investment strategy can adapt to the market data. It can be seen that the present application can flexibly adjust the fund investment strategy in combination with the fluctuation degree of the real-time fund market, the fluctuation degree that the target user can bear and the market trend.

[0077] S104: output the adjusted fund investment strategy to the target user;

[0078] After adjustment processing, the target user can output the adjusted fund investment strategy for the target user to confirm the adjustment of the fund investment strategy. In addition, the target user can also adjust the output adjusted fund investment strategy according to his own preference, for example: amount adjustment, investment method adjustment and or dividend method adjustment, and then confirm after adjustment, and the present application does not limit this.

[0079] In order to meet the needs of users, the present application can also monitor the fund in real time and give an early warning, and the method further comprises: in response to meeting a predetermined early warning condition, outputting risk prompt information to the target user;

[0080] The predetermined early warning condition comprises that a degree value of a net value fluctuation degree of a fund market is greater than a risk threshold value, or a difference between a predicted return of a current target fund investment strategy and an actual return of the target user after fund investment according to the current target fund investment strategy is greater than a predetermined return threshold value, or an index value of a predetermined fund market evaluation index is less than a predetermined evaluation threshold value.

[0081] When the predetermined early warning condition is met, the application can also output risk prompt information to the target user; wherein the risk prompt information can include suggestions for adjusting the fund investment strategy, the current risk value (Value at Risk, VaR, used to measure the maximum potential loss that the investment portfolio may suffer under a certain time interval and confidence level), and the fluctuation degree of the current market, etc. For example, in the portrait data of the target user: the score of the risk tolerance value of the target user is 60 points (medium risk), the investment goal is stability (8% annualized), and the term is 3 years; the real-time market data is: the fluctuation index of the financial market on the current day is 25% (the risk tolerance value of the target user is 18%), and the CPI increases by 2.8% year-on-year (the five-year quantile is 75%); after analysis, the fluctuation rate deviation = (25%-18%) / 18%=38.9%; the adjusted amount = 3000 yuan x (1-38.9%) ≈ 1833 yuan; at the same time, the VaR calculation is triggered: the maximum loss under 95% confidence is 7.2% of the current holding, and the risk warning is generated. The target user is pushed to remind: “the market fluctuation rate exceeds the threshold value 38.9%, it is suggested that the current investment amount be adjusted to 1833 yuan, and the current portfolio VaR is 7.2%”.

[0082] In addition, the early warning condition in the application includes that the degree value of the net value fluctuation degree of the fund market is greater than the risk threshold value (for example, the risk tolerance value of the target user is 20%, and the risk threshold value can be 40%), or the difference between the predicted return of the current target fund investment strategy and the actual return of the target user after fund investment according to the current target fund investment strategy is greater than the predetermined return threshold value (for example, 15%), or the index value of the predetermined fund market evaluation index is less than the predetermined evaluation threshold value (for example, PMI<50%); that is, the application can monitor from multiple dimensions such as market dimension, return dimension and macro dimension, and trigger early warning when the early warning condition of any dimension is met; and the application can monitor and warn based on real-time data, and can warn the target user 24 hours in advance to reduce the loss of the target user in fund investment.

[0083] S105: In response to the confirmation of the target user to the fund investment strategy after the adjustment processing, the fund investment strategy after the adjustment processing is determined as a new target fund investment strategy to perform fund investment for the target user.

[0084] The target user can confirm the adjusted fund investment strategy (or manually adjust and confirm again, etc.), and after confirmation, the application can determine the adjusted fund investment strategy as a new target fund investment strategy to perform fund investment for the target user under the condition of adapting to the fluctuation degree of the real-time fund market and the fluctuation degree that the target user can bear.

[0085] The fund investment strategy adjustment method provided by the embodiment of the application can analyze the degree value of the net value fluctuation degree of the fund market in a specified period, the specified period being a period ending at the current time and having a specified length, that is, the application can analyze the degree value of the net value fluctuation degree of the fund market in real time; and obtain the risk bearing capacity value that the target user can bear, when the difference between the obtained degree value and the risk bearing capacity value exceeds a predetermined range, that is, the difference between the fluctuation degree that the target user can bear and the fluctuation degree of the fund market is too large, the application can adjust the target fund investment strategy based on the obtained degree value and the risk bearing capacity value to adapt to the fluctuation degree of the real-time fund market and the fluctuation degree that the target user can bear. Then, the adjusted fund investment strategy can be output to the target user, and after the target user confirms, the adjusted fund investment strategy is determined as a new target fund investment strategy to perform fund investment matching the fluctuation degree of the fund market and the fluctuation degree that the target user can bear. The application can adjust the target fund investment strategy of the target user based on the fluctuation degree of the fund market and the fluctuation degree that the target user can bear, and output the adjusted fund investment to the target user for confirmation. It can be seen that the application can flexibly adjust the fund investment strategy to meet the investment experience needs of the user.

[0086] Optionally, in another embodiment of the application, the difference between the obtained degree value and the risk bearing capacity value exceeds the predetermined range, including:

[0087] The target ratio of the obtained degree value and the risk bearing capacity value is not in a predetermined interval; wherein the predetermined interval is an interval formed by a first threshold value and a second threshold value, and the first threshold value is greater than the second threshold value;

[0088] The fund investment strategy content includes the value of the amount dimension and the value of the investment time dimension;

[0089] The adjustment of the specified content in the target fund investment strategy based on the obtained degree value and the risk bearing capacity value to obtain the adjusted fund investment strategy, including:

[0090] In a case that the specified content is the fund investment strategy content, if the target ratio belongs to the first interval, the fund investment strategy content in the target fund investment strategy is adjusted according to a first adjustment mode, and an adjusted fund investment strategy is obtained.

[0091] If the target ratio belongs to the second interval, the fund investment strategy content in the target fund investment strategy is adjusted according to a second adjustment mode, and an adjusted fund investment strategy is obtained.

[0092] The first interval is an interval in which all values are not less than a first threshold value, and the second interval is an interval in which all values are not greater than a second threshold value. The first adjustment mode is an adjustment mode of reducing the value of the amount dimension. The second adjustment mode is an adjustment mode of increasing the value of the time dimension.

[0093] The application can represent the difference between the degree value and the risk tolerance value by a target ratio. If the target ratio is not in a predetermined interval, the difference between the degree value and the risk tolerance value exceeds a predetermined range. The predetermined interval is an interval formed by a first threshold value and a second threshold value, and the first threshold value is greater than the second threshold value. For example, the first threshold value is 1.5, and the second threshold value is 0.7, which are not limited by the application.

[0094] In a case that the specified content is the fund investment strategy content, since the fund investment strategy content can include the value of the amount dimension (for example, the value of the amount or the value of the share) and the value of the investment time dimension (for example, the investment time frequency), if the target ratio belongs to the first interval, that is, the target ratio is not less than the first threshold value, that is, the fluctuation degree of the fund market is much greater than the fluctuation degree that the target user can tolerate, at this time, the value of the amount dimension of the fund investment strategy content is reduced according to the first adjustment mode, so as to reduce the loss of the target user. If the target ratio belongs to the second interval, that is, the target ratio is not greater than the second threshold value, that is, the fluctuation degree of the fund market is much smaller than the fluctuation degree that the target user can tolerate, at this time, the value of the time dimension of the fund investment strategy content is increased according to the second adjustment mode, so as to increase the income of the target user. Of course, when the fund investment strategy content is adjusted, only the value of the time dimension or the value of the amount dimension can be adjusted, or both of them can be adjusted, which are not limited by the application.

[0095] It can be seen that the application can flexibly adjust the value of the time dimension and / or the value of the amount dimension of the investment strategy content of the target fund investment strategy based on the relationship between the value of the target ratio of the degree value and the target risk tolerance and the first interval and the second interval, so as to adapt to the fluctuation degree of the real-time fund market and the fluctuation degree that the target user can tolerate, and if the difference between the degree value and the risk tolerance value does not exceed the predetermined range, that is, the target ratio belongs to the predetermined interval, it indicates that the current target fund investment strategy is adapted to the fluctuation degree of the real-time fund market and the fluctuation degree that the target user can tolerate, and the investment strategy content of the target investment strategy can not be adjusted.

[0096] Optionally, in another embodiment of the application, the plurality of investment methods includes an equal share investment method and an equal amount investment method.

[0097] The adjustment of the specified content in the target fund investment strategy based on the analysis of the degree value and the risk tolerance value includes:

[0098] If the analysis of the degree value is greater than the risk tolerance value and the target investment method is the equal share investment method, the target investment method is adjusted to the equal amount investment method to obtain the current target investment method, and the investment strategy content of the current target investment method is set to obtain the adjusted fund investment strategy.

[0099] If the analysis of the degree value is less than the risk tolerance value and the target investment method is the equal amount investment method, the target investment method is adjusted to the equal share investment method to obtain the current target investment method, and the investment strategy content of the current target investment method is set to obtain the adjusted fund investment strategy.

[0100] In the application, the plurality of investment methods includes an equal share investment method and an equal amount investment method, and in the case of adjusting the investment method and adaptively adjusting the investment strategy content when the specified content is the target combination content, if the degree value is greater than the risk tolerance value and the target investment method is the equal share investment method, the target investment method is adjusted to the equal amount investment method to obtain the current target investment method, and the investment strategy content of the equal amount investment method is set, such as setting the time frequency and the amount of investment, to obtain the adjusted fund investment strategy; if the degree value is less than the risk tolerance value and the target investment method is the equal amount investment method, the target investment method is adjusted to the equal share investment method to obtain the current target investment method, and the investment strategy content of the equal share investment method is set, such as setting the time frequency and the share of investment, to obtain the adjusted fund investment strategy.

[0101] In addition, the risk degree of the equal-amount investment mode is greater than the risk degree of the equal-amount investment mode, and the risk degree of the re-investment and bonus mode is greater than the risk degree of the cash bonus. The application also supports adjusting the target combination content and the bonus mode simultaneously. The target fund investment strategy can be adjusted according to the difference between the degree value and the risk tolerance value and the risk tolerance value, so that the risk degree of the adjusted fund investment strategy is adapted to the risk tolerance value and the degree value. For example, according to the investment mode and the bonus mode, the fund investment strategy can be divided into four categories: the first fund investment strategy (equal-amount investment mode + re-investment and bonus mode), the second fund investment strategy (equal-amount investment mode + cash bonus mode), the third fund investment strategy (equal-amount investment mode + re-investment and bonus mode), and the fourth fund investment strategy (equal-amount investment mode + cash bonus mode). The risk degree decreases in turn, for example, the risk degree is 40%, 30%, 20%, and 10% in turn.

[0102] When the specified content is the target combination content and the bonus mode, one of the four fund investment strategies can be selected as the adjusted fund investment strategy according to the difference between the degree value and the risk tolerance value and the risk tolerance value. For example, the difference between the degree value and the risk tolerance value exceeds the predetermined range, but the difference is small and the risk tolerance value is large. The degree value is 60%, and the risk tolerance value is 40%. The first fund investment strategy can be selected as the adjusted fund investment strategy. If the difference between the degree value and the risk tolerance value is large and the risk tolerance value is small, the degree value is 50%, and the risk tolerance value is 10%. The fourth fund investment strategy can be selected as the adjusted fund investment strategy.

[0103] It can be seen that the application can adjust the investment mode based on the size relationship between the degree value and the target risk tolerance and the current target investment mode, and adaptively adjust the investment strategy content. Therefore, the investment mode and the investment strategy content are adapted to the fluctuation degree of the real-time fund market and the fluctuation degree that the target user can bear.

[0104] It should be noted that the above adjustment of the target combination content, the investment strategy content, and the bonus mode is performed when the difference between the degree value and the risk tolerance value exceeds the predetermined range. The difference between the degree value and the risk tolerance value can be judged by the target ratio, or by the difference between the degree value and the risk tolerance value. The application does not limit this.

[0105] In addition, the adjustment manner of the target fund investment strategy described above is only an example. Any manner that can adjust the target fund investment strategy according to the fluctuation degree of the fund market, the fluctuation degree that the target user can bear, and the trend data of the financial market, so that the risk degree of the fund investment strategy after the adjustment processing is adapted to the fluctuation degree of the fund market, the fluctuation degree that the target user can bear, and the trend data of the financial market, is applicable to the present application. The present application does not limit the specific adjustment manner.

[0106] Optionally, in another embodiment of the present application, as shown in Figure 2 the fund investment strategy adjustment method further includes the following steps:

[0107] S201: periodically determining the actual yield value of the target user according to the current target fund investment strategy;

[0108] In the present application, the fund investment strategy can also be adjusted from the yield dimension. First, the actual yield value of the target user according to the current target fund investment strategy is periodically determined. The period for determining the actual yield value can be a quarter or a month, etc. The manner for determining the actual yield value can be: obtaining the actual yield of the target user according to the current target fund investment strategy from the APP of the target user for fund investment, or analyzing the target user's dividend account to determine the actual yield value, etc. The present application does not limit the manner for determining the actual yield value.

[0109] S202: after the actual yield value is determined, a predicted yield value is obtained, and when the difference between the actual yield value and the predicted yield value exceeds a target range, the target fund investment strategy is adjusted and processed to obtain an adjusted fund investment strategy, and the adjusted fund investment strategy is output to the target user;

[0110] The predicted yield value is obtained by calling a predetermined neural network for yield prediction according to the portrait data of the target user, an auxiliary degree value, and the current target fund investment strategy.

[0111] The auxiliary degree value is a degree value of the net value fluctuation degree of the fund market in a target historical period, and the target historical period is a period before the time point when the current target fund investment strategy is executed.

[0112] After the actual income value is determined, in order to adjust the target fund investment strategy in the income dimension, the application obtains a predicted income value, and when the difference between the actual income value and the predicted income value exceeds a target range (such as 15%, the actual income value is greater than the predicted income value by 15%, or the actual income value is less than the predicted income value by 15%), the target fund investment strategy is adjusted, and the adjusted fund investment strategy is output to the target user for confirmation.

[0113] Among them, the application can call a predetermined neural network to predict income according to the portrait data of the target user, the auxiliary degree value of the net value fluctuation degree of the fund market in the target historical period, and the current target fund investment strategy, and obtain a predicted income value; that is, the application can combine the portrait data of the target user, the fluctuation degree of the fund market, and the current target fund investment strategy to predict income through a predetermined neural network, and the predicted income value is matched with the portrait data of the target user, the fluctuation degree of the fund market, and the current target fund investment strategy, ensuring the accuracy of the predicted income value.

[0114] For example, in an implementation manner, the manner of obtaining the predicted income value includes: calling a predetermined neural network based on the portrait data of the target user, the auxiliary degree value, and the current target fund investment strategy, so that the predetermined neural network performs income calculation according to the income calculation manner corresponding to the current target fund investment strategy to obtain an initial income, and performing income prediction based on the auxiliary degree value, the portrait data of the target user, and the initial income to obtain a predicted income value.

[0115] Among them, the predetermined neural network can be a long short-term memory (LSTM); the income calculation manners corresponding to the target fund investment strategies of different investment manners and / or dividend manners are different, and the income calculation manner corresponding to the first fund investment strategy (equal share investment manner+reinvestment dividend manner), the second fund investment strategy (equal share investment manner+cash dividend manner), the third fund investment strategy (equal amount investment manner+reinvestment dividend manner), and the fourth fund investment strategy (equal amount investment manner+cash dividend manner) are as follows: Among them, navacc i is the compound unit net value of each period, navacc n is the compound unit net value at the end of the period, and n is the number of investment periods; the income calculation manner corresponding to the second fund investment strategy includes: dis_money i is the cumulative dividend in the past, and sharesback imoney i is the money sequence, n is the number of periods, and f_nav n is the final net value, and shareback i is the fixed investment share x the share coefficient of each period; the yield calculation method corresponding to the third fund investment strategy includes: navunit i is the compound unit net value of each period, and navunit n is the final compound unit net value, and n is the number of investment periods; the yield calculation method corresponding to the fourth fund investment strategy includes: dis_money i is the cumulative dividend, and sharesback i is the money sequence of each period, and money i is the money sequence, n is the number of periods, and f_nav n is the final net value, and shareback i is the fixed investment amount / period net value x the amount coefficient of each period.

[0116] The present application calls a predetermined neural network through the portrait data of the target user, the auxiliary degree value and the current target fund investment strategy, so that the predetermined neural network performs yield calculation according to the yield calculation method corresponding to the current target fund investment strategy to obtain an initial yield, and a predicted yield value is obtained by prediction, the predicted yield value is matched with the portrait data of the target user, the fluctuation degree of the fund market and the yield calculation method corresponding to the current target fund investment strategy, and the accuracy of the predicted yield value is further improved.

[0117] S203: In response to the target user confirming the adjusted fund investment strategy, the adjusted fund investment strategy is determined as a new target fund investment strategy to perform fund investment for the target user;

[0118] Step S203 is similar to step S105, except that the adjusted fund investment strategy may be different, and the present application does not repeat it.

[0119] The fund investment strategy adjustment method provided by the embodiment of the present application can periodically determine an actual yield value of fund investment of a target user according to a current target fund investment strategy, and call a predetermined neural network to perform yield prediction according to portrait data of the target user, an auxiliary degree value and the current target fund investment strategy, to obtain a predicted yield value; when a difference between the actual yield value and the predicted yield value exceeds a target range, the target fund investment strategy can be adjusted to reduce the difference between the actual yield value and the predicted yield value. Then, the target user can be output with the fund investment strategy after the adjustment, and after confirmation of the target user, the fund investment strategy after the adjustment is determined as a new target fund investment strategy, so as to perform fund investment matching the yield dimension (i.e., matching the actual yield value and the predicted yield value) for the target user. The present application can adjust the target fund investment strategy of the target user when the difference between the actual yield value and the predicted yield value exceeds the target range, and output the fund investment strategy after the adjustment to the target user for confirmation. It can be seen that the present application can flexibly adjust the fund investment strategy to meet the investment experience needs of the user.

[0120] The fund investment strategy adjustment method provided by the present application will be introduced below in combination with a specific embodiment.

[0121] The fund investment strategy adjustment method provided by the embodiment of the present application can dynamically adjust the investment amount and frequency according to the market volatility and the risk tolerance value of the target user, integrate multi-source real-time data (net value, macroeconomic indicators) and predict short-term trends (such as predicted yield value), and perform customized yield prediction and risk warning based on the portrait data of the target user.

[0122] As shown in FIG. 1, the fund investment strategy adjustment method provided by the present application can include the following steps: Figure 3

[0123] S301: Obtain a target fund investment strategy; that is, obtain a target fund investment strategy used in the current fund investment process; of course, portrait data of the target user can also be constructed to flexibly adjust the fund investment strategy based on the portrait data of the target user in the future.

[0124] S302: Real-time acquisition of market data; that is, real-time acquisition of the degree value of the net value fluctuation degree of the fund market in a specified period, the volatility index of the financial market and the macro evaluation index of the market, etc.; if the degree value obtained by analysis is too large, or the volatility index of the financial market (including the market of fund, stock and other financial products, etc.) or the macro evaluation index of the market is abnormal, the degree value obtained by analysis is corrected through a Bayesian correction model to ensure the accuracy of the degree value obtained by analysis.

[0125] ​S303: Determine whether to adjust the strategy; that is, determine whether to adjust the current target fund investment strategy. The adjustment can be made in multiple dimensions, such as market dimension (the difference between the degree value and the risk tolerance value exceeds the predetermined range), yield dimension (the difference between the actual yield value and the predicted yield value exceeds the target range), and macro dimension (the index value of the predetermined fund market evaluation index is less than the predetermined evaluation threshold).

[0126] S304: Trigger the strategy adjustment module; that is, if the result is yes, execute step S304 to trigger the strategy adjustment module to adjust the target fund investment strategy.

[0127] For example, if the difference between the degree value and the risk tolerance value exceeds the predetermined range, and the degree value is greater than the risk tolerance value, the investment amount is reduced, and the reduced amount = the original amount x (1-degree value / risk tolerance value). When the MACD trend meets the golden cross signal and the DIF line slope is greater than 0, the financial market is in an upward trend, and the investment share is increased.

[0128] For the investment method and the dividend method, the actual yield value of the target user according to the current target fund investment strategy can also be periodically determined, and the predicted yield value can be obtained by calling a predetermined neural network using the portrait data of the target user, the auxiliary degree value, and the current target fund investment strategy. For example, every quarter, the strategy type (strategy type includes first fund investment strategy, second fund investment strategy, third fund investment strategy, and fourth fund investment strategy) is adjusted according to the actual yield value and the predicted yield value.

[0129] The predetermined neural network can be an LSTM neural network, which inputs the portrait data of the target user and market data (such as the auxiliary degree value), and combines the yield calculation method of the current target fund investment strategy to perform yield prediction, and outputs the yield interval of the next 30 days with 90% confidence.

[0130] S305: Output the adjusted strategy; that is, output the adjusted fund investment strategy.

[0131] S306: Yield prediction and risk analysis; that is, monitor from multiple dimensions such as market dimension, yield dimension, and macro dimension. When any dimension meets the early warning condition, an early warning is triggered. Before the early warning, the yield is predicted and the risk is analyzed. The current risk value can be calculated, for example: the maximum possible loss of the target user under 95% confidence.

[0132] S307: Generate a visual report; that is, generate a visual report containing risk tips, predicted yield, and current risk value.

[0133] S308: Trigger intelligent reminder; that is, the visual report is pushed to the user as a reminder.

[0134] S309: Perform according to the original strategy; that is, if the result is no, the strategy does not need to be adjusted, and step S309 is performed to execute the fund investment process according to the original target fund investment strategy.

[0135] Among them, the strategy adjustment module in the application can include: a volatility detection unit (for detecting market volatility), a strategy generator (i.e. generating four types of strategies), and a trend analysis engine (i.e. analyzing market trends), etc.; when real-time market data is acquired, it can be realized through a multi-source data interface (for acquiring real-time market data from various sources), an outlier calibration model (i.e. a Bayesian correction model for correcting outliers), and a short-term predictor (i.e. predicting short-term market trends, etc.); and, through the individualized analysis module, the application can construct the portrait data of the target user, accurately predict the target user's income through the LSTM model, and accurately calculate the target user's current risk value through the VaR calculation unit; the application can output the fund investment rules and risk prompt information after adjustment to the user through the rule engine and the push interface.

[0136] For example, when adjusting the content of the investment strategy, the first threshold 1.5 and the second threshold 0.7 are the threshold values of the target ratio of the degree value to the risk tolerance value. When the degree value exceeds 1.5 times the risk tolerance value, i.e. the target ratio belongs to the first interval, it is determined that the market risk exceeds the tolerance of the target user (the probability of target user loss increases to more than 25%), and the investment amount is reduced to 80% of the original amount. When the degree value is less than 0.7 times the risk tolerance value, i.e. the target ratio belongs to the second interval, it is determined that the market fluctuation is small and the risk is in the low interval that the target user can tolerate (according to historical data, when the target ratio is in the second interval, the weekly investment yield is increased by 12%-18% compared to the monthly investment yield), the investment frequency is increased, such as increasing from once a month to once a week. When the degree value is between 1.5 times and 0.7 times the risk tolerance value, i.e. the target ratio is in the predetermined interval, it is determined that the market risk matches the risk that the user can tolerate, and the fund investment strategy does not need to be adjusted.

[0137] The specific logic code for adjusting the content of the investment strategy is as follows:

[0138]

[0139]

[0140] The LSTM model can include an input layer, a hidden layer, and an output layer; wherein the input data of the input layer includes: portrait data of the target user, an assistance degree value, and a current target fund investment strategy, or a fund net value sequence (such as historical 180-day daily compound unit net value, used to determine the assistance degree value), macro evaluation indexes (such as CPI, PMI, etc.), portrait data of the target user (including a risk tolerance value of the target user), and the current target fund investment strategy.

[0141] The hidden layer includes a bidirectional LSTM (128 neurons), which is composed of two independent LSTMs in the forward and backward directions, each with 64 neurons, and is the result of balancing model capacity, computational efficiency, and task requirements, and is responsible for feature extraction and time series dependence modeling. The specific functions are to process sequence data, fuse multi-dimensional data, bidirectional modeling, and improve the modeling ability of complex market trends; through a fully connected layer, the dimension is compressed to the required dimension of the output layer, realizing the mapping from high-dimensional features to prediction targets.

[0142] The output layer is mapped to two independent LSTMs through a fully connected layer, representing the mean (μ) and standard deviation (σ) of the future 30-day returns, respectively, and generating a 90% confidence interval based on the normal distribution assumption: return interval = [μ-1.645σ, μ+1.645σ]. In practical applications, when the model output is μ=3.2% and σ=1.5%, there is a 90% probability that the future 30-day return will fall within the interval [3.2%-1.645×1.5%, 3.2%+1.645×1.5%], i.e., [0.73%, 5.67%]. Among them, the predicted return of the LSTM model can be the predicted return interval, 1.645 is the z value corresponding to the cumulative probability of 95% in the standard normal distribution, used to define the boundaries of the 90% confidence interval; the lower limit of the interval is μ-1.645σ = 3.2%-1.645×1.5% = 0.73%, and the upper limit of the interval is μ+1.645σ = 3.2%+1.645×1.5% = 5.67%.

[0143] The fund investment strategy adjustment method provided by the application has a strategy adjustment response speed of less than 5 minutes, realizes 15-minute-level net value refreshing and 30-second-level flow calculation processing depending on a real-time data direct connection architecture, avoids real-time market data lag, and adopts a parallel processing volatility rate judgment, trend analysis and other rules in a parallel rule engine, single strategy calculation is less than 2 minutes (traditional serial logic needs 20 minutes), and a lightweight dynamic adjustment formula (such as amount reduction and frequency improvement) adopts vector operation, and the execution delay is less than 100 milliseconds. The LSTM model prediction error rate is less than 3% (the average error of the traditional method is 8%), and the fusion of 180-day net value sequence, multiple macro indicators (CPI / PMI, etc.) and public opinion sentiment values improves the prediction robustness of a single price prediction model (a model for predicting yield in the prior art) by 42%. The bidirectional LSTM architecture captures historical trends (such as a 6-month rise) forward and predicts future events backward. The 95% confidence VaR is calculated by using a historical simulation method (180-day rolling window), and when the market volatility rate breaks through the threshold, a warning is triggered in multiple dimensions 24 hours in advance.

[0144] The key point of the application is to further improve the accuracy and practicality of fund investment yield calculation by dynamically adjusting the investment strategy and real-time market data feedback. The market volatility rate is quantitatively bound to the user's wind bearing capacity to realize automatic strategy optimization. A three-dimensional input system of "price data + macro indicators + public opinion sentiment" is constructed to improve the LSTM model's ability to capture market mutations; based on the portrait data of target users, market volatility and trend characteristics, the strategy is automatically adjusted to solve the strategy rigidity problem of traditional investment "one investment at a time" (i.e., the amount, time frequency, and investment and dividend methods of investment do not change).

[0145] Based on the above method embodiment, the application further provides a fund investment strategy adjustment device, as shown in Figure 4 The device comprises:

[0146] The analysis module 410 is configured to analyze the degree value of the net value fluctuation degree of the fund market in a specified period during the execution of the fund investment according to the target fund investment strategy; wherein the target fund investment strategy is a strategy used for fund investment of a target user; and the specified period is a period ending at the current time and having a specified length.

[0147] The acquisition module 420 is configured to acquire the degree value of the net value fluctuation degree that the target user can bear when the degree value of the net value fluctuation degree is analyzed, to obtain a risk bearing capacity value.

[0148] The first adjustment module 430 is configured to, in response to the difference between the obtained degree value and the risk tolerance value exceeding a predetermined range, adjust the target fund investment strategy based on the obtained degree value and the risk tolerance value, to obtain an adjusted fund investment strategy; wherein the adjustment is configured to make the risk degree of the adjusted fund investment strategy adapt to the risk tolerance value and the obtained degree value.

[0149] The first output module 440 is configured to output the adjusted fund investment strategy to the target user.

[0150] The determination module 450 is configured to, in response to the target user confirming the adjusted fund investment strategy, determine the adjusted fund investment strategy as a new target fund investment strategy, to perform fund investment for the target user.

[0151] The fund investment strategy adjustment apparatus provided by the embodiment of the present application can analyze the degree value of the net value fluctuation degree of the fund market in a specified period, which is a period ending at the current time and having a specified length, i.e., the degree value of the net value fluctuation degree of the fund market can be analyzed in real time, during the process of performing fund investment for the target user according to the target fund investment strategy; and obtain the risk tolerance value that the target user can tolerate, and when the difference between the obtained degree value and the risk tolerance value exceeds a predetermined range, i.e., the difference between the fluctuation degree that the target user can tolerate and the fluctuation degree of the fund market is too large, the apparatus can adjust the target fund investment strategy based on the obtained degree value and the risk tolerance value, to adapt to the fluctuation degree of the fund market in real time and the fluctuation degree that the target user can tolerate. Then, the adjusted fund investment strategy can be output to the target user, and after the target user confirms, the adjusted fund investment strategy can be determined as a new target fund investment strategy, to perform fund investment for the target user that matches the fluctuation degree of the fund market and the fluctuation degree that the target user can tolerate. The present application can adjust the target fund investment strategy of the target user based on the fluctuation degree of the fund market and the fluctuation degree that the target user can tolerate, and output the adjusted fund investment strategy to the target user for confirmation. It can be seen that the present application can flexibly adjust the fund investment strategy to meet the investment experience needs of the user.

[0152] Optionally, the target fund investment strategy includes a first type of sub-strategy and a second type of sub-strategy; the first type of sub-strategy includes a target investment method and investment strategy content set for the target investment method, and the second type of sub-strategy is a target dividend method; the target investment method is one of multiple investment methods, and the target dividend method is one of multiple dividend methods.

[0153] The first adjusting module comprises:

[0154] The adjusting sub-module is configured to adjust a specified content in the target fund investment strategy based on the obtained degree value and the risk tolerance value, to obtain an adjusted fund investment strategy; wherein the specified content is at least one of the investment strategy content, the target dividend mode, and the target combination content, and the target combination content comprises the target investment mode and the investment strategy content.

[0155] Optionally, the difference between the obtained degree value and the risk tolerance value exceeds a predetermined range, comprising:

[0156] The target ratio of the obtained degree value to the risk tolerance value is not within a predetermined interval; wherein the predetermined interval is an interval formed by a first threshold value and a second threshold value, and the first threshold value is greater than the second threshold value.

[0157] The investment strategy content comprises a value of an amount dimension and a value of an investment time dimension.

[0158] The adjusting sub-module is specifically configured to:

[0159] If the target ratio belongs to a first interval, the investment strategy content in the target fund investment strategy is adjusted according to a first adjustment mode, to obtain an adjusted fund investment strategy, when the specified content is the investment strategy content.

[0160] If the target ratio belongs to a second interval, the investment strategy content in the target fund investment strategy is adjusted according to a second adjustment mode, to obtain an adjusted fund investment strategy.

[0161] The first interval has no value less than the first threshold value, and the second interval has no value greater than the second threshold value; the first adjustment mode is an adjustment mode of reducing the value of the amount dimension; and the second adjustment mode is an adjustment mode of increasing the value of the time dimension.

[0162] Optionally, the plurality of investment modes comprises an equal share investment mode and an equal amount investment mode.

[0163] The adjusting sub-module is further configured to:

[0164] If the obtained degree value is greater than the risk tolerance value and the target investment mode is the equal share investment mode, the target investment mode is adjusted to the equal amount investment mode to obtain a current target investment mode, and the investment strategy content of the current target investment mode is set to obtain an adjusted fund investment strategy, when the specified content is the target combination content.

[0165] If the degree value obtained by the analysis is less than the risk tolerance value, and the target investment plan is the equal-amount investment plan, the target investment plan is adjusted to the equal-portion investment plan, a current target investment plan is obtained, and the investment strategy content of the current target investment plan is set to obtain the fund investment strategy after the adjustment processing.

[0166] Optionally, the device further comprises a second adjustment module configured to:

[0167] periodically determine an actual yield value of the target user performing fund investment according to the current target fund investment strategy;

[0168] After the actual yield value is determined, a predicted yield value is obtained, and when the difference between the actual yield value and the predicted yield value exceeds a target range, the target fund investment strategy is adjusted to obtain an adjusted fund investment strategy, and the adjusted fund investment strategy is output to the target user;

[0169] and, in response to the target user confirming the adjusted fund investment strategy, the adjusted fund investment strategy is determined as a new target fund investment strategy to perform fund investment for the target user;

[0170] The predicted yield value is obtained by calling a predetermined neural network to predict yield according to the portrait data of the target user, an auxiliary degree value, and the current target fund investment strategy.

[0171] The auxiliary degree value is a degree value of the net value fluctuation degree of the fund market in a target historical period, and the target historical period is a period before the time point when the current target fund investment strategy is executed.

[0172] Optionally, the device further comprises a second output module configured to:

[0173] In response to satisfying a predetermined early warning condition, risk prompt information is output to the target user.

[0174] The predetermined early warning condition includes that the degree value of the net value fluctuation degree of the fund market is greater than a risk threshold, or the difference between the predicted yield of the current target fund investment strategy and the actual yield of the target user performing fund investment according to the current target fund investment strategy is greater than a predetermined yield threshold, or the index value of a predetermined fund market evaluation index is less than a predetermined evaluation threshold.

[0175] Optionally, before the process of performing fund investment according to the target fund investment strategy, the determination manner of the target fund investment strategy comprises:

[0176] Determine the matched investment mode, the investment strategy content set for the investment mode, and the matched dividend mode based on the portrait data of the target user and the degree value of the fund market in a predetermined period, and obtain the target fund investment strategy.

[0177] The portrait data of the target user includes the degree value of the target user's tolerable net value fluctuation degree, and the historical behavior data of the target user about the investment mode and the dividend mode of the fund.

[0178] The embodiment of the present application also provides an electronic device, such as Figure 5 As shown in the figure, the electronic device comprises a processor 501, a communication interface 502, a memory 503 and a communication bus 504, wherein the processor 501, the communication interface 502 and the memory 503 complete mutual communication through the communication bus 504.

[0179] The memory 503 is used for storing a computer program.

[0180] The processor 501 is used for executing the program stored in the memory 503, and realizes the fund investment strategy adjustment method.

[0181] The communication bus mentioned above can be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc. For the convenience of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or only one type of bus.

[0182] The communication interface is used for communication between the electronic device and other devices.

[0183] The memory can include a random access memory (RAM) and can also include a non-volatile memory (NVM), for example, at least one disk memory. Optionally, the memory can also be at least one storage device located away from the aforementioned processor.

[0184] The processor described above can be a general processor, including a central processing unit (CPU), a network processor (NP), etc.; can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component.

[0185] In yet another embodiment provided by the present application, a computer readable storage medium is provided, and the computer readable storage medium stores a computer program. The computer program is executed by a processor to implement the steps of any of the fund investment strategy adjustment methods described above.

[0186] In yet another embodiment provided by the present application, a computer program product containing instructions is provided, and when the computer program product is executed on a computer, the computer is caused to execute the fund investment strategy adjustment method in any of the embodiments described above.

[0187] In the embodiments described above, all or part of the embodiments can be implemented by software, hardware, firmware or any combination thereof. When implemented by software, all or part of the embodiments can be implemented in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present application are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network or other programmable device. The computer instructions can be stored in a computer readable storage medium or transferred from one computer readable storage medium to another computer readable storage medium, for example, the computer instructions can be transferred from one website, computer, server or data center to another website, computer, server or data center through wired (such as coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (such as infrared, wireless, microwave, etc.) mode. The computer readable storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server, data center, etc. integrated with one or more available media. The available media can be a magnetic medium (for example, a floppy disk, a hard disk, a magnetic tape), an optical medium (for example, a DVD), or a semiconductor medium (for example, a solid state disk (SSD)) and the like.

[0188] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply the existence of any such actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of other identical elements in the process, method, article, or device comprising the element.

[0189] Each embodiment in this specification is described in a related manner. Similar portions between the embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences from other embodiments. In particular, the device embodiments are generally similar to the method embodiments, so their description is relatively simple. For related portions, refer to the description of the method embodiments.

[0190] The above description is only a preferred embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention are included in the scope of protection of the present invention.

Claims

1. A method for adjusting a fixed-investment fund strategy, characterized in that: The method comprises: During the process of executing fund fixed investment according to the target fund fixed investment strategy, the degree of fluctuation of the net value of the fund market within a specified period of time is analyzed; wherein the target fund fixed investment strategy is the strategy used when the target user makes fund fixed investment; the specified period of time is a period of time with a specified duration and ending at the current time; When the degree value of the net value fluctuation is obtained through analysis, the degree value of the net value fluctuation that the target user can bear is obtained to obtain the risk tolerance value; In response to a difference between the degree value obtained by analysis and the risk tolerance value exceeding a predetermined range, adjusting the target fund fixed investment strategy based on the degree value obtained by analysis and the risk tolerance value to obtain an adjusted fund fixed investment strategy; wherein the adjustment is used to make the risk degree of the adjusted fund fixed investment strategy compatible with the risk tolerance value and the degree value obtained by analysis; Outputting the adjusted fund fixed investment strategy to the target user; In response to the target user's confirmation of the adjusted fund fixed investment strategy, the adjusted fund fixed investment strategy is determined as a new target fund fixed investment strategy to execute fund fixed investment for the target user.

2. The method according to claim 1, characterized in that The target fund fixed investment strategy includes: a first sub-strategy and a second sub-strategy; the first sub-strategy includes a target fixed investment method and the fixed investment strategy content set for the target fixed investment method; the second sub-strategy is a target dividend method; the target fixed investment method is one of multiple fixed investment methods, and the target dividend method is one of multiple dividend methods; The step of adjusting the target fund fixed investment strategy based on the degree value and risk tolerance value obtained through analysis to obtain the adjusted fund fixed investment strategy includes: Based on the degree value and risk tolerance value obtained by analysis, the specified content in the target fund fixed investment strategy is adjusted to obtain the adjusted fund fixed investment strategy; wherein, the specified content is at least one of the fixed investment strategy content, the target dividend method and the target combination content, and the target combination content includes the target fixed investment method and the fixed investment strategy content.

3. The method according to claim 2, characterized in that The difference between the degree value obtained by the analysis and the risk tolerance value exceeds a predetermined range, including: The target ratio of the degree value obtained by analysis to the risk tolerance value is not within a predetermined interval; wherein the predetermined interval is an interval consisting of a first threshold value and a second threshold value, and the first threshold value is greater than the second threshold value; The fixed investment strategy content includes the value of the amount dimension and the value of the fixed investment time dimension; The step of adjusting the specified content of the target fund fixed investment strategy based on the degree value and the risk tolerance value obtained by the analysis to obtain an adjusted fund fixed investment strategy includes: In a case where the designated content is the fixed investment strategy content, if the target ratio falls within the first interval, adjusting the fixed investment strategy content in the target fund fixed investment strategy according to a first adjustment method to obtain an adjusted fund fixed investment strategy; If the target ratio falls within the second interval, adjusting the fixed investment strategy content in the target fund fixed investment strategy according to the second adjustment method to obtain an adjusted fund fixed investment strategy; Among them, the values ​​in the first interval are not less than the first threshold, and the values ​​in the second threshold interval are not greater than the second threshold; the first adjustment method is: reducing the value of the amount dimension; the second adjustment method is: increasing the value of the time dimension.

4. The method according to claim 2, characterized in that The multiple fixed investment methods include equal share fixed investment method and equal amount fixed investment method; The step of adjusting the specified content of the target fund fixed investment strategy based on the degree value and the risk tolerance value obtained by the analysis to obtain an adjusted fund fixed investment strategy includes: In a case where the designated content is the target portfolio content, if the degree value obtained through analysis is greater than the risk tolerance value, and the target fixed investment method is an equal-share fixed investment method, the target fixed investment method is adjusted to an equal-amount fixed investment method to obtain the current target fixed investment method, and the fixed investment strategy content of the current target fixed investment method is set to obtain an adjusted fund fixed investment strategy; If the degree value obtained by analysis is less than the risk tolerance value, and the target fixed investment method is an equal amount fixed investment method, then the target fixed investment method is adjusted to an equal share fixed investment method to obtain the current target fixed investment method, and the fixed investment strategy content of the current target fixed investment method is set to obtain the adjusted fund fixed investment strategy.

5. The method according to claim 1, wherein The method further comprises: Periodically determine the actual return value of the target user's fund fixed investment according to the current target fund fixed investment strategy; After determining that the actual return value is obtained, obtaining a predicted return value, and when the difference between the actual return value and the predicted return value exceeds a target range, adjusting the target fund fixed investment strategy to obtain an adjusted fund fixed investment strategy, and outputting the adjusted fund fixed investment strategy to the target user; and, in response to the target user's confirmation of the adjusted fund fixed investment strategy, determining the adjusted fund fixed investment strategy as a new target fund fixed investment strategy to execute the fund fixed investment for the target user; The predicted return value is obtained by calling a predetermined neural network to perform return prediction based on the target user's profile data, the assistance level value, and the current target fund fixed investment strategy; The auxiliary degree value is the degree value of the net value fluctuation degree of the fund market in the target historical period, and the target historical period is the period before the time point when the current target fund fixed investment strategy is executed.

6. The method according to claim 1, characterized in that The method further comprises: In response to meeting a predetermined warning condition, outputting risk warning information to the target user; Among them, the predetermined warning conditions include: the degree of fluctuation of the net value of the fund market is greater than the risk threshold, or the difference between the predicted return of the current target fund fixed investment strategy and the actual return of the target user after the fund fixed investment according to the current target fund fixed investment strategy is greater than the predetermined return threshold, or the indicator value of the predetermined fund market evaluation indicator is less than the predetermined evaluation threshold.

7. The method according to claim 1, characterized in that Before executing the fund fixed investment process according to the target fund fixed investment strategy, the method for determining the target fund fixed investment strategy includes: Based on the target user's profile data and the degree of fluctuation of the net value of the fund market within a predetermined period, a matching fixed investment method and a fixed investment strategy set for the fixed investment method, as well as a matching dividend method, are determined to obtain the target fund fixed investment strategy; The target user's portrait data includes: the degree of net value fluctuation that the target user can bear, and the target user's historical behavior data on the fund's fixed investment method and dividend method.

8. A strategy adjustment device for fixed investment of funds, characterized in that: The device comprises: An analysis module is configured to analyze the degree of fluctuation of the net value of the fund market within a specified period of time during the process of executing a fixed-investment fund according to a target fund fixed-investment strategy; wherein the target fund fixed-investment strategy is the strategy used when the target user performs a fixed-investment fund; and the specified period of time is a period of time with a specified duration and ending at the current time; An acquisition module is used to obtain the value of the degree of net value fluctuation obtained by analysis, obtain the value of the degree of net value fluctuation that the target user can bear, and obtain the risk tolerance value; a first adjustment module configured to, in response to a difference between the degree value obtained by analysis and the risk tolerance value exceeding a predetermined range, adjust the target fund fixed investment strategy based on the degree value obtained by analysis and the risk tolerance value to obtain an adjusted fund fixed investment strategy; wherein the adjustment is configured to adapt the risk degree of the adjusted fund fixed investment strategy to the risk tolerance value and the degree value obtained by analysis; A first output module is configured to output the adjusted fund fixed investment strategy to the target user; A determination module is used to determine the adjusted fund fixed investment strategy as a new target fund fixed investment strategy in response to the target user's confirmation of the adjusted fund fixed investment strategy, so as to execute the fund fixed investment for the target user.

9. An electronic device, characterized in that: It includes a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus; Memory for storing computer programs; A processor, configured to implement the method steps described in any one of claims 1 to 7 when executing a program stored in a memory.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method steps according to any one of claims 1 to 7 are implemented.

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