If you want to do a good job, you must sharpen your knife first. We have high-quality funds and need the right strategy to put them together. Just like leading troops to fight, no matter how many elite soldiers you have, good tactics can give full play to the maximum combat effectiveness of the army.

However, it should be pointed out that a good fund portfolio is not that the more funds, the better, but that the degree of differentiation of fund products should be improved and the number should be appropriate to achieve the purpose of diversifying risks.

Common strategies of fund portfolio

(1) "4321"investment rule: a conservative portfolio can allocate 40% of its assets to bond funds, 30% to money funds, 20% to hybrid funds, and 10% to stock funds.

(2) Core+satellite portfolio: a steady and gradual portfolio, mainly composed of 70%-80% stable funds and 20%-30% flexible and equity funds.

2. What are you most afraid of? Buy the wrong time and stand guard at a high position. The fixed investment of the fund adopts the financial management method of band buying, and when the fund price is high, it buys less; When the fund price is low, buy more. If you use 1 yuan to buy a fund, even if it falls, you should stick to a fixed investment, gradually reduce the holding cost and accumulate more chips. When the net value returns to 1 yuan, it is profitable.