To understand the concept of asset allocation, Gary brinson, the father of global asset allocation, once said: "In the long run, about 90% of investment income comes from successful asset allocation", which shows how important asset allocation is. Asset allocation refers to the allocation of investment funds among different asset categories according to investment demand.
According to the different investment assets, there are money funds, bond funds and stock funds. If we want to build a fund portfolio with asset allocation function, we need to reasonably match funds that are not of the same type. The market is changing, and different types of assets have different cycles. For example, the stock and bond markets have obvious seesaw effect, showing the characteristics of change. When these two types of assets are allocated in combination, they can be allocated to seize different investment opportunities.
Determine the proportion according to your own risk tolerance, and determine the proportion of each asset allocation according to your own risk tolerance. For example, investors with low risk tolerance can choose a conservative portfolio, with 40% of investment assets in bond funds, 30% in money funds, 20% in mixed funds and 65,438+00% in equity funds. This combination has good liquidity while achieving stable appreciation as much as possible.
Formulate specific investment strategies. Generally, a fund portfolio of 4 to 7 is appropriate, which can effectively spread risks without putting pressure on later management. You can take care of it when you are busy, and then choose the right fund according to the allocation ratio.
A fund portfolio was born like this.