cookie cutter portfolio - metaphor for what? 千篇一律的投資組合 - 比喻什麼？

The metaphor of a “cookie cutter portfolio” refers to a generic or standardized investment portfolio that lacks originality, creativity, or uniqueness. Just like a cookie cutter produces identical-shaped cookies, a cookie cutter portfolio typically consists of a pre-determined mix of commonly held investments or asset allocations that may not be tailored to the individual’s specific goals, risk tolerance, or financial situation. It implies that the portfolio lacks personalization and may not effectively meet the investor’s unique needs or preferences.