Jimin should also know something about asset allocation, that is, don't put eggs in one basket. In this regard, many citizens ask: does this mean buying some stocks, buying some bonds, and then allocating some bank wealth management, gold and real estate? Today, Bian Xiao will share with you why it is suggested to use funds for asset allocation, for your reference only!

The investment targets are rich and the choice space is large.

As we all know, fund is an indirect investment tool, which can be divided into stock type, mixed type, QDII type, bond type, currency type and so on according to different investment targets.

Generally, the types of assets or industries you want to invest in can be realized through funds. For example, if you are optimistic about the future development of the pharmaceutical industry, but the pharmaceutical industry is rich in varieties and difficult to choose, then you can choose the index fund of this industry or the pharmaceutical theme fund with heavy positions in this industry.

In addition to A-shares, if you are optimistic about investment opportunities in overseas markets, you can also realize indirect investment through QDII funds.

In addition, according to the risk level of fund products, it can also be divided into five levels: cautious, steady, balanced, enterprising and radical, which is more convenient for investors to make choices within their own risk range.

Strict supervision, safety and reliability.

In the process of investment, short-term fluctuations are actually not terrible. What's really terrible is that if you encounter financial fraud, you may face losing all your money, but fund investment will not have such problems.

Relevant regulatory agencies exercise strict supervision over the fund, including the formulation of relevant laws and regulations and qualification examination. The fund adheres to openness and transparency in its operation. We often say that quarterly reports and annual reports disclose the operation information of funds in a timely manner, so that we can fully understand the funds we hold.

In addition, there is an important message that needs to be explained to you: that is, the money we bought the fund was not actually given to the fund company. Generally speaking, everyone's money to buy funds is directly placed in the fund asset account of the custodian bank. It is difficult for fund companies and fund managers to have direct access to this money. They only manage the fund operation and don't have to worry about the fund company running away.

Low purchase threshold, suitable for the public.

Generally speaking, the threshold for fund purchase is relatively low. Many newly developed funds can subscribe for 1 yuan at a time, and ordinary people can also participate.

However, stock investment is different. Generally, the lowest trading unit is "first hand", that is, 100 shares. Take the familiar Kweichow Moutai as an example. If you want to buy a hand, it may cost hundreds of thousands. If you want to further allocate some other assets, it may cost 200 thousand. In fact, not many investors can really come up with 100 yuan.

The Statistical Yearbook of Shanghai Stock Exchange (Volume 20 19) shows that by the end of 20 18, there were 22.46 million individual investors whose stock market value was less than100000, accounting for 58.2 1%, while 334.4666565654.

After talking about stocks, let's look at bonds, which is even more difficult.

According to the Measures for the Management of Investor Suitability in Bond Market implemented by Shanghai Stock Exchange on 20 17, individual investors must meet the requirement that their average daily financial assets in the first 20 trading days are not less than 5 million yuan, or their average personal income in the last three years is not less than 500,000 yuan. In addition, you must have more than 2 years of experience in securities, funds and futures investment.

Note: The original text of the Measures is certified public accountants and lawyers who have more than two years' investment experience in securities, funds, futures, gold and foreign exchange, or have more than two years' experience in financial product design, investment, risk management and related work, or are senior managers of qualified investors as specified in Item (1) of this article and have obtained professional qualifications.

It can be seen that for ordinary investors, whether it is bonds or stocks, it is difficult to allocate debt assets, so the fund is a good choice at this time.

Professional financial management saves worry and effort.

For most ordinary investors, it is difficult to invest. If you accidentally choose the wrong stock, you may lose a lot when you stop, but the investment risk of the fund is relatively small, which saves worry and effort.

The fund diversified its investments and bought a basket of stocks. Moreover, there is a "Double Ten Rule" in the fund industry, that is, Public Offering of Fund cannot hold more than 65,438+00% of the fund's net asset value, so the risk is relatively small.

In addition, there are professional fund managers to operate and manage for us, which really saves worry and effort.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

In fact, asset allocation is not so complicated, and there is no need for too high investment threshold. It is only necessary to allocate assets through funds, and asset allocation with funds also has its own unique advantages.

Fund-related articles:

★ Introduction to Xiaobai Fund

★202 1 You won't lose everything if you buy foundation.

★ Basic knowledge and skills introduced by the Fund

★ Knowledge of fund investment skills and methods

★ Introduction to Fund Investment

★ Introduction of Index Fund's Fixed Investment

★ Common sense of securities investment funds

★ Reading Skills of Annual Report of Securities Investment Fund and Knowledge Fund

★ New fund financial management skills