Investing in a fund portfolio is allocating assets. Some people are more radical, some are more stable, and everyone's situation is different. How should we build our own fund portfolio?

Before starting to invest, the first thing to do is to understand your risk preference and risk tolerance, and know the upper limit of the loss you can bear.

Then set reasonable investment goals based on your own risk appetite and investment horizon.

After understanding your own risk preferences and setting investment goals, the next step is asset allocation. A good and reasonable investment portfolio should be both offensive and defensive, and control risks in terms of asset allocation ratios.

For example, a balanced and steady investor can allocate according to the 4321 rules, with about 40% of assets allocated to equity funds, about 30% of assets allocated to bond funds, 20% of assets allocated to currency funds, and 10% of assets allocated to gold ETFs.

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Achieve a balance between returns, risks, and liquidity.

After the asset allocation ratio structure is established, it is necessary to determine the types of funds. There are many types of funds on the market, and the classification methods are also different. A more stable approach is to try to achieve full coverage and diversify investments in different types of assets.

and sectors, no matter how the market style switches, you can always get a share of the market.

After determining the category of a good fund, the next step is to determine the specific fund. We can screen it layer by layer from the aspects of fund companies, fund managers, fund long-term and short-term returns, fund size, fund risk-return characteristics, performance comparison benchmarks, etc.

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The last step is to choose the investment method. Simply put, funds are divided into one-time investment and fixed investment. One-time investment has certain requirements for timing ability and funds. If the level is not met, it is safer to choose fixed investment. Fixed investment is simple and saves time and effort.

No need to time it.