Scientific fund investment needs overall planning.

Taking stock funds as an example, when there is an obvious trend of style rotation in the market, blue-chip funds in the market are negatively correlated with small and medium-sized growth style foundations. However, when the market is in the stage of general inflation or bear market, the correlation coefficient of the two types of funds may change from negative correlation to positive correlation, which also needs investors' special attention.

In addition, although in most cases, the performance of bond funds will be independent of that of equity funds, this is mainly for pure debt funds, and secondary debt base will also show certain characteristics of equity assets in terms of income because it can properly participate in stock trading.

In addition to stock funds and bond funds, monetary funds, overseas funds, commodity resource funds and other categories can also be used to build fund portfolios.

As a cash management tool, low-risk and high-liquidity money funds can occupy a certain proportion in the asset portfolio to meet daily expenses or other urgent needs; Although the risk coefficient of equity funds in overseas markets is relatively high, due to the negative correlation between their investment targets-overseas markets (especially mature markets such as the United States and Europe) and domestic markets, they can also be appropriately allocated to diversify the portfolio risk.