Fund investment focuses on long-term stable income in the future. It is recommended to hold it for a long time after buying, but not all funds can hold it for a long time. We need to have a regular "physical examination" of the funds we hold at an appropriate time.

With concentrated positions, every investor has his own investment preference. In the initial stage of fund portfolio establishment, we will consider diversifying risks through portfolio investment. With the progress of investment, we may not have much time to consider whether to diversify investment, but pay more attention to fund performance, fund managers and so on. Coupled with our own preferences, it is easy to cause centralized positions, such as the high concentration of fund funds. To avoid this, we should read them in time.

For the hot money in the market, there will never be a shortage of followers. It is certainly a good choice to actively buy funds with excellent performance, but it is more important for us to understand the logic behind this excellent performance, rather than blindly pursuing hot funds with excellent performance. We must first see clearly what is the logic behind the fund, whether it can achieve a good balance with the existing fund, and whether our risk tolerance can be achieved.

Do active funds outperform the index? The transaction cost of active funds is higher than that of index funds. If the investment income can't get excess income, it is redundant compared with index funds. The purpose of choosing active funds is to obtain excess returns. If it is not better than index funds, it is better to choose index funds with lower transaction costs and lower risk coefficient.

Proper inspection can help us find problems, adjust them in time and ensure the effectiveness of portfolio investment.