How to operate a portfolio buying fund? Maybe we will encounter such a problem when we participate in some fund purchase topics, so what is a portfolio purchase fund? I believe many people are curious about this, right? Therefore, Bian Xiao specially brought you how to operate the portfolio purchase fund. I hope you like it.
How to operate a portfolio buying fund?
1, number of fund portfolios: too few funds spread risks, and too many ordinary investors have insufficient energy to manage. Generally speaking, 3-5 funds is a more suitable number of fund portfolios, and it is recommended that no more than 7 funds.
2. Types of fund portfolio: One of the characteristics of fund portfolio is to make full use of the respective advantages of different funds, reduce risks and maximize returns. Therefore, it is suggested to choose different types of funds, which can complement each other.
3. Give consideration to both benefits and risks: the main purpose of investment is benefits, but risks cannot be ignored. Investors with strong risk tolerance can increase the proportion of funds with higher risk returns, such as equity funds. If investors' risk tolerance is weak, the allocation ratio of such funds will be reduced.
How to buy a fund portfolio
First, establish a good fund portfolio goal.
The easiest way is to determine your own financial budget, how long you plan to hold it, and how much you will bear. According to the difference of financial management time and investment expectation, financial management objectives can be divided into the following three categories: obtaining steady income, outperforming inflation and pursuing high income.
Determine asset allocation
Next, according to their own investment goals and deadlines, determine the proportion of money funds, bond funds, hybrid funds and equity funds, and do a good job in asset allocation.
Screening high-quality funds
Next, we will choose high-quality funds from 8000+ fund products to match, and it is generally recommended to adopt the core-satellite combination form.
Monitor the return of the fund portfolio.
Many people think that if the assets of the fund portfolio are well allocated, everything will be fine. In fact, users need to manage the income of the fund portfolio according to the market and their own situation, check whether it meets the expected income, and adjust the fund portfolio in time.
Since the fund involves redemption fees, it is not recommended to adjust it at will. It is more appropriate to adjust the fund portfolio 1 time every quarter, except that there are major market conditions and the portfolio returns deviate from the target.
Rational use of fund investment services
There is a platform for managing the fund portfolio in the market. Take the "investment together" of Licaitong as an example, users can see four fund portfolios with different objectives: money, pension financing and education financing. Moreover, the platform will follow up the portfolio management, and users only need to choose the corresponding fund portfolio according to their investment goals, which is very convenient.
How to buy a fund portfolio
For some fund investors, in order to avoid the loss caused by buying a single fund, or in order to increase the income, they will buy a variety of funds for portfolio investment. According to investors' preferences, market conditions and other factors, the fund portfolio has different purchase methods.
1, with different investment preferences.
For some investors with aggressive investment preference and strong risk tolerance while pursuing high returns, they may increase the purchase of stock funds and reduce the allocation of bond funds and monetary funds.
2, the influence of market conditions
In the bear market, investors can increase the allocation of bond funds and monetary funds, and reduce the allocation of stock funds and hybrid funds; In a bull market, investors can increase the allocation of stock funds and index funds and reduce the allocation of money funds and bond funds.
Investors buy funds in combination in order to obtain higher income than deposits and maintain the liquidity of funds on the basis of effectively diversifying risks.
How to buy a fund portfolio
A fund portfolio is simply a collection of multiple funds. Of course, it is not a randomly selected fund portfolio, but a combination of several funds with different styles according to different types and characteristics of funds. Investors buy a fund group, which is actually a combination of multiple fund products.
If investors want to establish a suitable fund portfolio, they must first determine their investment objectives and risk tolerance. According to their own situation, the construction strategy of fund portfolio is different, and the difference between portfolio risk and expected return is in a kind of difference. Then choose fund products to build funds. When selecting fund products, it is necessary to analyze and select high-quality funds from the aspects of fund historical performance and fund managers.
Here, we don't need to build too many fund portfolios. The lower the correlation between capital and choice, the better the effect of diversifying investment risk. After selecting a good fund, you can rationally allocate the assets of the fund within the organization and realize the asset allocation. Investors need to optimize asset allocation in time according to market changes.
/kloc-How about 0/80-day regular profit of Xiaoman?
For novice investors, it is more difficult to establish their own fund portfolio. Therefore, you can choose to directly purchase the fund portfolio products of the institutional portfolio. For example, the fund portfolio is small, with a term of 65,438+080 days, provided by Bank of Communications Fund Management Co., Ltd., and the suggested term of the product is 65,438+080 days. Investors are more likely to buy a fund portfolio with a maturity of 65,438+080 days. It is suggested that the actual income shall prevail. Note that the fund portfolio can reduce the investment risk, but it does not mean that the investment risk is unbearable. Investors are advised to buy a suitable fund portfolio in combination with their own risk tolerance when investing in financial management.
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