1, classified comparison fund. We can divide the open-end funds we invest into four categories: stock type, hybrid type, bond type and currency type, and then compare the performance of the varieties we invest with the average market performance through the public data on the Internet. If the performance is significantly lower than the average, the variety may need to be adjusted.
2. Optimize the merger of funds of the same type. For stock funds and hybrid funds, the stock varieties with heavy positions are announced every quarter. Investors can obtain relevant information through the website of fund companies, and then compare which funds have more heavy positions. If the positions of two funds are similar, and one of them is obviously better than the other, you can choose to redeem the one with poor performance and buy the one with good performance.
3. Analyze the proportion of various funds and make adjustments according to the economic situation in the coming year. Since the second half of 20 10, China has obviously entered the interest rate hike cycle, and each interest rate hike may have an impact on bond prices. Therefore, 20 1 1 should appropriately reduce the allocation ratio of bond funds.
4. Pay attention to adjusting the cost when adjusting the fund. Because many funds have subscription fees and redemption fees, fund adjustment may generate a lot of expenses, so when adjusting, you can try to choose the adjustment between fund varieties of the same fund company (because most of the fund variety adjustments of the same company are free or very low).