At present, the risk of buying a new fund is still very high, and the risk of one-time purchase is particularly high. More money is another matter. In a word, there will always be gains if you have money to make up your position and make friends with time.

I have a different view. Most people think there are too many 20 funds to manage. I want to say that the fund is not a stock that does not need to be changed every day. It must be held for at least one year, and the number of funds is slightly larger. But your new fund accounts for 400 thousand, which I don't think is appropriate. Old people won't buy new funds. The opening period will take at least a few months, and the income will not be high. Moreover, if the fund manager of the new fund has other old products, the positions are basically the same. The new fund is actually giving the old fund a sedan chair.

Existence is reasonable. A novice, 600 thousand bought 20 funds, of which 400 thousand started. Whether this investment model is reasonable or not has no absolute answer. First of all, it is reasonable. If the market is in a low valuation period, for example, the previous period is below 3,000 points, 20 funds will be bought with 600,000 funds, including 400,000 new funds and 200,000 old funds, and positions have been opened. So far, 3400 has definitely left the cost zone and made a profit. The new fund is 400,000 yuan, just when the market is undervalued, it can build cheap chips at a low level, the market starts, and the net value of the fund grows. It should be said that it is the right choice to buy funds when the market valuation is low, which means it is reasonable. Secondly, it is unreasonable. At any time, risk prevention is the first. As a novice, it is risky to invest 600 thousand yuan in a fund at one time. It is suggested to adopt the method of fixed investment and buy separately to better spread risks. I bought 20 funds, with an average of 30,000 each, which is too much. If there is homogenization, it is even more unnecessary. As for new and old funds, when building a bear market, buy new funds. When the bull market comes, we mainly buy old funds. New funds have a time choice from buying to opening positions. The old fund has opened a position and can directly enjoy the rise of the market. Operational suggestions. 20 funds can be comprehensively sorted out, and homogenized funds can be converted and merged, with three to five funds being the best. The types of funds are mainly passive index funds. Choose some active funds with excellent performance, insist on fixed investment and share the income.