1. Fixed investment is our most common fund investment strategy, and it is also the most worry-free and suitable investment strategy for entry-level players.
But for old drivers or investors who like tossing, they are not satisfied with this simple and worry-free investment method. It feels like a car used to driving a manual gear suddenly started an automatic gear, and it always feels a little less maneuverable.
2. Single timing is different from fixed investment, and the key to single investment lies in "timing".
I don't need to explain this strategy. It's simple. Buy at a relatively low point in the market and sell at a relatively high point.
The difficulty of course lies in how to judge the high point and the low point. Generally speaking, the most important thing to do is an "equal" formula. Never shoot until the best time, rather miss it.
3. Two or eight wheels move.
Many people should have heard of this strategy, and there are many combinations of corresponding strategies in the market. The basic idea is as follows:
"Two" means that large-cap heavyweights account for about 20% of the market, and "eight" means that small and medium-sized stocks account for about 80% of the market.
Usually, the Shanghai and Shenzhen 300 Index is selected as the representative of "two" and the CSI 500 Index as the representative of "eight", and then the Shanghai and Shenzhen 300 and CSI 500 are rotated according to certain quantitative indicators.
This strategy is usually effective in the market with obvious trend, but it is easy to be repeatedly hit in the face in the volatile market.
4, 28 balance.
Different from the above two or eight rounds, the "two" and "eight" here represent positions, usually referring to 20% equity funds with 80% debt base, which is a classic stock-debt balance strategy.
The position adjustment threshold of this investment strategy is generally set at 5%, that is, when the position ratio of equity funds exceeds 25% or is lower than 15%, rebalancing will be triggered, and the proportion of shares and debts will be restored to 20% and 80% through position adjustment.
Balanced investment strategy is characterized by stability and small fluctuation.
When the market is good, it usually underperforms the broader market, but when the market is bad, it can make you sit back and relax. In other words, I sacrificed part of my income and gained peace of mind in the investment process.
5. Balance of debt in the 50-50 split.
Adjust the above-mentioned 28-28 balanced stock and debt positions, each meeting half, and it will become a 50: 50 stock and debt balance.
This strategy stems from the idea mentioned by Buffett's teacher Graham in Securities Analysis. Equity funds and debt bases each account for 50% of positions, and the upper and lower 25% are the threshold for triggering position adjustment.
In fact, this strategy is the basic version of the 28-28 balance. In contrast, the fluctuation of 28 is smaller than that of 55, which is more acceptable. So, choosing 28 or 55 depends on your preference.
6. Core satellite.
This strategy is usually used for asset allocation. For fund investment, the "core" corresponds to the fund with low risk and long-term stable income; "Satellite" corresponds to the type of enterprising fund.
The proportion of core funds is usually higher than 50%, or even 70%-80%. This strategy is a bit like a 28% balance, but the position and fund selection are more flexible, as long as we grasp the principle of "core-satellite", such as 60% of the money fund as the core and 30% of the mixed base+10% as the satellite.
The above are several common fund investment strategies. Except for the first one, other strategies basically do not need to choose the right time, and the requirements for fund selection are not high. If you want to play with funds with different investment strategies, you can consider it.
Today, I will give you a brief introduction to these fund investment strategies other than fixed investment, and then we will have a more specific analysis article, which is here today about the effect, data backtesting and pros and cons analysis of each investment strategy.