The disadvantage is that it relies too much on the ability of fund managers. If the ability is insufficient, the performance of the fund may not be as good as the market income; On the other hand, because fund managers manage too many things, stocks and bonds are easy to miss some opportunities.
Allocated funds refer to funds with flexible asset allocation that invest in stocks, bonds, money market instruments, commodities and alternative investments (such as unlisted equity and non-standardized creditor's rights) to obtain high investment returns. Its main feature is that the fund can significantly change the asset allocation ratio according to market conditions, and the investment ratio of any kind of securities or assets can be as high as 65,438+000%.
Active allocation fund: a fund that invests in stocks, bonds, money market instruments, commodities, and alternative investments (such as unlisted equity and non-standardized creditor's rights). ) and does not meet the classification criteria for investment in stock funds, bond funds, equity investment funds or other single financial products; And the proportion of fixed income assets to net asset value is conservatively allocated: funds that invest in stocks, bonds, money market instruments, commodities, and alternative investments (such as unlisted equity and non-standardized creditor's rights). ), and does not meet the classification standards of stock funds, bond funds, equity investment funds or other single financial products; And the proportion of fixed income assets to net asset value is ≥50%.
Investment allocation funds can make full use of the professional advantages of fund managers to allocate assets such as stocks, bonds and alternative assets. When there are investment opportunities in the stock market, the proportion of stock investment will be expanded to obtain stock market income to a greater extent; When there are investment opportunities in the bond market, increase the proportion of bond investment in order to obtain greater returns in the bond market. Generally speaking, it is through the choice of fund managers to obtain the investment income of the securities market and control the risks to a great extent.
Because investing in such funds can make full use of the professional advantages of fund managers to allocate large-scale assets such as stocks and bonds, when there are investment opportunities in the stock market, it will expand the proportion of stock investment and obtain stock market income to a greater extent; When there are investment opportunities in the bond market, increase the proportion of bond investment in order to obtain greater returns in the bond market. On the whole, the investment income of the securities market will be obtained to a great extent through the "opportunity" choice of fund managers.