It is better to make a fixed investment in the fund and choose a few funds. Some investors like simplicity and think that investing in representative index funds is enough. Some investors don't want to put their eggs in one basket and invest in three or four funds at the same time. Some investors like to chase explosions and hold as much as 10 at the same time.

Then, it is better to invest in several funds. Is there an optimal solution?

By calculating the monthly fixed investment data, we get some results.

The more funds, the greater the profit probability.

First, with the increase of the number of funds in the fixed investment portfolio, the profit probability of each fixed investment increases. Taking the top chart with a term of three years as an example, the profit probability of choosing 1 partial stock fund is 75.05%, while the profit probability of choosing four funds increases to 80.83%. If 14 fund is selected as the fixed investment portfolio, the profit probability is 8 1.85%.

Second, regardless of the fixed investment portfolio of several funds, the profit probability of fixed investment increases with the increase of fixed investment period.

Time is the best friend of fixed investment. We have heard this conclusion from various channels and it has been confirmed. The more funds, the smaller the fluctuation of yield, that is, the better the dispersion effect.

Thirdly, with the increase of the number of funds in the fixed investment portfolio, the income range of the fixed investment portfolio gradually converges.

The highest rate of return is falling and the lowest rate of return is rising.

Fourth, there is no obvious correlation between the median return rate of fixed investment portfolio and the number of funds.

The median yield of one-year, five-year and eight-year fixed investment increases with the increase of the number of fixed investment portfolio funds.

Which year is the median return rate of fixed investment, which decreases with the increase of the number of fixed investment portfolio funds.

The median return rate of fixed investment portfolio is positively correlated with the fixed investment period, that is, the longer the fixed investment period, the higher the median return rate of fixed investment portfolio and the better its performance.

Judging from the overall data, the number of funds in the fixed investment portfolio has reached more than two, and increasing the number of funds will not greatly increase the profit probability.