1. Risk is directly proportional to income;
2. Decide the investment direction according to the financial needs;
There is no best investment, only the most suitable investment.
Second, the investment portfolio considerations:
Two or more funds form a portfolio, and the purpose of the portfolio is to resolve investment risks and ensure vested profits.
1. In general, it is not appropriate to buy more than three funds. Not only did it not disperse the risk, but it also dispersed the investment energy, and the investment effect was not necessarily good.
2. Don't buy more than two products of the same type, because if you encounter uncontrollable risks, the products of the same type will be in distress at the same time, and the risks cannot be avoided. If both benefits are good, it is enough to buy a better one.
Try not to buy the products of the same fund company. If the fund company itself has problems, it will implicate all its fund products, and the risk is still great.
Third, fixed investment funds in different places.
1. If you want to continue the fixed investment, unless you use online banking, you can transfer funds conveniently and quickly without geographical restrictions;
2. The fund is transferred to custody, but it is complicated to go to the bank;
3. Redeem all funds, re-open accounts in different places and start a new fixed investment.
It is recommended that you do not choose Harvest theme. Your lover's portfolio is all stocks and index funds, which is too risky and spreads the risk. In case of bear market, you will bear the risk of depreciation of income and insufficient defense.
Please pay attention to my Baidu answer, hoping to help you.