Let's first understand the main advantages of the fund's fixed investment.
First, the procedure of fixed investment is simple, there is no threshold, and any ordinary investor can make a fixed investment;
Second, diversify risks, because the investment target of the fund is all kinds of securities, and the net value of the fund will fluctuate, so buying a fund is risky. Fixed investment can average the investment cost to a certain extent and disperse the risks brought by the fluctuation of fund net value;
Third, long-term investment saves time and effort. The fixed investment of the fund is a fixed time and a fixed amount, and there is no need for active management.
So it is more appropriate to invest in several funds. Generally speaking, 3-4 funds are more appropriate.
The main reason is that although the fixed investment of funds can reduce the losses caused by fund fluctuations to a certain extent, if you only choose one fund, and the selected fund does not perform well, the investment target of the fund also belongs to the assets lacking value-added space, then no matter how you decide to invest, it will be a loss. Therefore, choosing 3-4 funds is mainly to adapt to your risk preference and risk tolerance.
If you choose 1-2 fund, you may face the risk of "putting all your eggs in one basket" and it will be completely broken if you are not careful. If you choose too many funds, the purchase cost of fund shares will rise, and every extra fund in your fixed investment portfolio means that you have to pay more attention, which runs counter to the original intention of saving effort.
Let's briefly share the logic of the fund's fixed investment, which is mainly divided into two points.
First, choose the fund type according to your risk preference. Suppose you choose 4 funds to vote. If you are risk-neutral, you can choose two bond funds, 1 equity fund and 1 index fund for fixed investment. If you are a risk-averse person, you can allocate more equity funds in the fixed investment portfolio. This can better match your risk preference and risk tolerance.
Secondly, according to your optimistic 1-2 industry, choose the fund with heavy positions in this industry. Generally speaking, 1-2 industry is more suitable considering that ordinary investors have limited knowledge of the industry and limited energy.
To sum up, the more fixed investment funds, the better, and not too little. It is suggested that the fixed investment portfolio should be 3-4 funds. In fact, it's hard to draw a conclusion about investment. All I can give is my own experience. Investment is risky, so be cautious when entering the market.