有關資產配置相關議題已經被討論了超過五十年，但多是針對產業、公司及基金，少數是探討個人的部份；而探討個人理財書籍也充斥於坊間書局，但針對個人資產配置的相關文獻卻相對少。 本研究以問卷調查方式，並以信度分析、單因子變異數分析來探討人口統計、風險承擔和投資行為對於投資人資產配置的影響，同時針對大學教師和一般民眾，再進行比較。 本研究最大貢獻為發現以大學教師而言「風險承擔對資產配置沒有顯著影響」，以數據推論是因為大學教師整體風險承擔程度較低且又集中才會造成此種結果。 而投資行為中的投資目標和投資經驗，人口統計中的性別、年齡、收入、時間期限、學歷、家庭狀況無論是大學教師或一般民眾都會對資產配置產生顯著影響，宗教信仰則是對兩者族群都無顯著影響。 Issues related to asset allocation have been discussed for over fifty years. However, most of them focused only on industries, companies and mutual funds and very little was on personal investment. In addition, many different kinds of personal finance books are in book stores but very few discuss personal asset allocation.
This study first uses survey, reliability analysis and one-way ANOVA to understand if the statistics of population, risk taking and investment behavior affect personal asset allocation. This study then compares the differences in personal asset allocation between college teachers and the general public.
The most important contribution is: "Risk taking does not affect college teachers'' asset allocation." Our data shows that this conclusion is because most college teachers have low risk taking.
This thesis shows that the factors that affect asset allocation for both college professors and general public include: investment goal and experiences from investment behavior, and gender, age, income, expected deadline, academic background, and family from statistics of population. This thesis also shows that religion does not affect either group.
