How to combine funds is better?
1. Defines the number of funds in the portfolio.
To build a fund portfolio, we must first make clear the number of funds in the portfolio. Multiple funds can indeed share risks, but the more funds in the portfolio, the better. For office workers who work nine to five, time and energy are limited. If there are too many candidates, they may not have enough time to manage, resulting in losses. It is suggested here that it is best to buy less than five funds.
2. Pay attention to the selection of fund varieties with low correlation coefficient.
Diversified investment mainly includes investment types, investment styles and diversification of fund companies. The diversification of investment types is to choose fund varieties with low correlation coefficient for portfolio construction, such as money funds, bond funds and stock funds. The diversification of investment style should pay attention to the style of fund buying stocks. Stock styles can be divided into nine styles: large-scale growth, large-scale value, large-scale balance, medium-scale growth, medium-scale value, medium-scale balance, small-scale growth, small-scale balance and small-scale value. When constructing a fund portfolio, it is best to cover a variety of styles in the stocks invested in the portfolio. It is easier to understand that fund companies are scattered, that is, don't all buy the same fund company, but try to buy funds from different companies.
3. Configure according to your own situation.
When building a fund portfolio, we should also consider our own actual situation. Funds are divided into bond funds, stock funds, hybrid funds and index funds. Among them, the risk of bonds is relatively low, and the risk of equity funds, hybrid funds and index funds is relatively high. If you are a steady investor, you can buy 70% of your money in bond funds and 30% in stock funds. If you are an aggressive investor, you will spend 70% of your money on stock funds and 30% on bond funds.
4. Adjust the configuration according to the market trend.
Finally, I would like to remind you that no matter whether you are steady or radical, after the fund portfolio is established, don't change it. You should adjust the portfolio in time according to the market trend. Bear market is easy to lose money, allocate more bond funds and less stock funds; Bull market is easy to make money, allocate more stock funds and less bond funds.
The key part of fund portfolio is the choice of fund. Investors can choose the fund according to the historical performance of the fund, the fund manager's situation, fund risk indicators and other factors, and finally remind investors that the fund is risky and needs to be cautious in investment.