The first step is to determine the strategy and planning of asset allocation according to your risk tolerance and preference. Simply put, it is what to invest and how much to invest. For the money fund, you can set aside a reserve fund for three to six months. After the amount of money fund investment is determined, the investment ratio of index fund and bond fund is determined next. At first, the investment level is still limited, so you don't have to ask too much of yourself. It is recommended to adopt the simplest 50: 50 strategy.
The second step of dynamic balance is to readjust the allocation ratio of index funds and bond funds according to the changes of account funds and their own asset allocation strategies. For example, our initial asset allocation ratio is 50:50. After one year, the income of the two types of funds is different, and the money in the two accounts will definitely be different. If the income of index funds is higher than that of bond funds, there will be more money in the account of index funds, and the investment ratio of index funds and bond funds will not be 50:50. At this time, we will adjust it and do it at 50:50. Here it is.
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