Different types of funds form a team, and members must have their own advantages to complement each other, so the funds in the portfolio should be different types, and the greater the difference, the better. Determine the weight of positions according to their own risk tolerance, and set different capital ratios according to their own risk tolerance. For example, for investors who can bear certain risks, the proportion of stocks, hybrids or indexes in the portfolio can be increased; More conservative investors can allocate more bonds or capital preservation funds. Or try the simplest ratio 1: 1 first. If there are four funds, 25% each will be fine. Adjusting the shareholding ratio according to market changes is equivalent to a rebalancing. In the face of market fluctuations, whether to persist or suspend, increase investment or gradually redeem the clearance, we must make a difference. But then again, how many investors have the ability to accurately grasp the market conditions? Rebalancing is not an easy task.