The so-called fund portfolio is a wealth management product set up for investors by using modern scientific and technological means. There are many different types of fund products in the fund portfolio. For investors, buying a fund portfolio is equivalent to buying multiple different types of funds at the same time. The advantage of buying multiple different types of funds is that it can improve the investment income on the premise of reducing risks.
In order to reduce risks and improve returns at the same time, we should pay attention to two key points, one is the quality of funds in the portfolio, and the other is the correlation of fund products in the portfolio. The higher the correlation of fund products, the worse the effect of risk diversification. For example, all the funds you buy are of the same type, or all the funds you buy belong to the same fund manager, then the effect of diversifying risks is limited.
It can be seen that it is not easy to establish a portfolio that can effectively reduce investment risks. If we can't build a fund portfolio, then we can buy the fund portfolio products directly.
Not long ago, JD Finance launched a "regular income" fund portfolio product. Jingdong Financial's regular profit includes 180 days and 360 days, of which 360 days are provided by Huabao Fund Management Co., Ltd., and 360 days are mainly fixed income assets, supplemented by equity assets. According to market fluctuations, dynamically adjust the allocation of large-scale assets to achieve the best risk-return ratio. It is suggested that the holding time is 360 days, the fixed income is 360 days, and the annualized rate of return of historical holding for 360 days is between 7.08%- 14.52%, and the annualized rate of return is more than 10%.
The 360-day annualized income of the main regular profit does not represent the actual income in the future. The data is for your reference only. The principal and interest of regular income products are not guaranteed, so there may be short-term negative returns during the holding period. It is recommended that you buy regular income products according to your risk ability.
If you want to buy a fund portfolio, in addition to the fund portfolio products of JD Finance, Xiaoman also has a regular surplus fund portfolio. You can log in to Xiaoman Wealth Management APP or Xiaoman Wealth Management APP to purchase a regular surplus fund portfolio product that suits you.
Finally, I would like to remind you that any investment and financial management has certain risks. Usually, the benefits and risks are in direct proportion, so you need to invest carefully.