1. number of fund portfolios: too few funds cannot spread risks, and too many ordinary investors do not have enough energy to manage them. Generally speaking, 3-5 funds is a more suitable number of fund portfolios, and it is recommended that no more than 7 funds be used.

2. Type of fund portfolio: One of the characteristics of fund portfolio is that it can make full use of the respective advantages of different funds to reduce risks and maximize returns. Therefore, it is suggested to choose different types of funds, which can complement each other.

3. Balance income and risk: the main purpose of investment is income, but the risk can not be ignored. Investors with strong risk tolerance can increase the proportion of high-risk and high-yield funds such as equity funds, while investors with weak risk tolerance can reduce the proportion of such funds.