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How many hybrid funds is the best to hold?
Hybrid funds refer to funds that invest in the stock, bond and money markets without clear investment direction. So how many hybrid funds are the most appropriate to hold? What should I consider when buying a hybrid fund? We have prepared relevant contents for your reference.

How many hybrid funds is the best to hold?

Hybrid funds are high-risk and high-yield investors. Generally speaking, it is not advisable to hold too much money when holding it, because it takes time and energy. Generally speaking, 2~3 are suitable. When investing in a hybrid fund, you can check the position of the fund, and it is best not to invest in the same stock, because it can not effectively spread the risk.

Secondly, try to choose different sectors of funds for investment. Funds in the same sector are more likely to rise and fall together, and cannot effectively spread risks. Therefore, when investing, you can give priority to the funds of different sectors.

What should I consider when buying a hybrid fund?

Note that there are different types of hybrid funds, and the returns and risks will be different. According to the proportion of asset allocation, hybrid funds can be divided into four types: partial stock type, partial debt type, balanced type and allocation type.

Partial stock hybrid fund: 50%~70% of the funds are used to invest in stocks and 20%~40% of the funds are used to invest in bonds.

Partial debt hybrid fund: 50%~70% of the funds are used to invest in bonds and 20%~40% of the funds are used to invest in stocks.

Balanced hybrid fund: 40%~60% of the funds are used to invest in bonds and 40%~60% of the funds are used to invest in stocks.

Allocation of hybrid funds: the investment ratio will be adjusted according to market conditions.

Investors can choose the type of hybrid fund according to their risk tolerance. For example, if they don't want to take big risks, then choose a hybrid fund with more bonds and less stocks.

If you want to pursue returns and take certain risks, then you can consider investing in partial stock hybrid funds, with more stocks and less bonds. Because the needs of each investor are different, there will be some small differences when choosing.

Secondly, we should choose a good fund manager. You can check the rate of return of past fund managers, and it is best to choose more than three years of experience, and how to manage the past fund income. Because excellent fund managers have professional knowledge, they can hold funds when the market rises and control their withdrawal when they fall.

It is worth noting that when buying a hybrid fund, don't buy it at one time. It's risky to buy it at one time. You can consider buying in bulk. Even if you buy at a higher price, you still have money to reduce costs. This can balance the cost and prevent the market from fluctuating greatly due to special factors. You can set a profit-taking line according to your risk tolerance and investment expectations. At the profit point, you can redeem part of it and reinvest it.

In addition to choosing good fund managers and funds for fixed investment, investors should also pay attention to the past rate of return, maximum withdrawal rate, fund size and Morningstar classification of their own funds in order to consider choosing good hybrid funds for long-term holding.

I hope the above content can help everyone!