Allocated funds refer to funds with flexible assets, which invest in stocks, bonds and money market instruments, commodities and alternative investments to obtain high investment returns. The following is what kind of funds are allocated by Bian Xiao. Welcome to read!
What kind of fund is the allocation fund?
Allocated fund is a fund that allocates assets according to market conditions and strategies. According to the judgment and research of fund managers, they adjust the proportion of different types of assets according to market conditions and expectations in order to seek returns and reduce risks.
Allocated funds are usually classified according to different investment objectives and strategies, such as balanced funds, growth funds funds and value funds. These funds may be invested in stocks, bonds, commodities, real estate and other asset classes to achieve diversified asset allocation in the market.
Which fund type is the most dangerous?
There is no simple answer to the question of which fund type is the most dangerous, because the risk of fund investment is related to the specific investment strategy and market environment. Generally speaking, equity funds and equity funds may be more risky because they mainly invest in the stock market, which is highly volatile. In contrast, bond funds are generally considered to be relatively stable and have low risks.
However, it should be noted that any type of fund has risks, including market risk, credit risk and interest rate risk. Investors should rationally allocate assets according to their own risk tolerance and investment objectives, and pay close attention to the investment policy of the fund, the ability of the fund manager and the historical performance of the fund. In addition, investors should carefully evaluate the reputation of fund companies and the fee structure of funds in order to make wise investment decisions.
Classification of allocated funds
Actively allocate funds
Allocation fund
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 criteria for investing in stock funds, bond funds, equity investment funds or other single financial products; And the ratio of fixed income assets to net asset value.
Conservative allocation fund
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 criteria for investing 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 ≥50%.
What is the function of allocation fund?
The position of allocating funds is very free to change, and the investment ratio of stocks and bonds is not limited. Moreover, investors can make full use of the professional advantages of fund managers and allocate large-scale assets such as stocks and bonds. In addition, when there are investment opportunities in the stock or bond market, the proportion of stock investment will be expanded to obtain greater returns from the market.
Asset allocation can help us diversify risks and maximize benefits, thus achieving a balance between risks and benefits. The domestic thing is to obtain the investment income of the securities market through the choice of fund managers and control the risks to a great extent. In addition to A shares, you can also invest in QDII stocks or hybrid funds to indirectly invest in overseas stock markets.
According to the investment mode of the market, the fund, as an indirect investment tool, has rich investment contents, and investors can choose their favorite proportion to invest. Investors who want to invest in A shares can choose partial stock funds; If you want to invest in fixed industries, you can choose index funds or managed funds.
Allocation of stock investment measures
At present, China open-end fund market has launched and plans to launch flexible asset allocation funds, mainly launched by several Sino-foreign joint venture fund management companies, such as Baokang Flexible Allocation Sub-fund under Baokang Series Fund of Huabao Industrial Fund Management Company, Desheng Steady Securities Investment Fund of Guolian 'an Fund Management Company and Haifutong Selected Securities Investment Fund of Haifutong Fund Management Company.
Investing in this kind of fund, the key point is to judge what factors the fund adjusts its assets, which is a choice of investment philosophy and style. For example, "Baokang Flexible Allocation Sub-fund" is the first "timing fund" in China, focusing on "timing" selection and "two-dimensional management of positions and time" according to the characteristics of systematic risks and fluctuations in China stock market. Its asset allocation ratio ranges from 5% to 75%, and bonds range from 20% to 90%, keeping more than 5% of cash; The basic investment portfolio of Desheng Steady Securities Investment Fund is 20% ~ 7 1% of stocks, 25% ~ 75% of bonds and 5% ~ 10% of cash. Through active investment strategy and fruitful fundamental analysis, the best combination of risk and return can be realized. "Haifutong Select Securities Investment Fund" mainly adopts a "top-down" multi-factor analysis and decision-making system in asset allocation, and adjusts the investment portfolio of the fund at any time according to changes in market conditions and asset allocation strategies.