I believe that many investors, especially novices, will face the problem of holding too many positions. Too many positions will inevitably lead to poor funds. The purpose of streamlining posts is to save energy and increase income. Bian Xiao compiled here how to streamline the number of position funds for your reference. I hope everyone will gain something in the reading process!

Repeated comparison, limited quantity, dare to give up.

I bought too much because I didn't make a good choice. After looking at a fund, don't rush to buy it. First, see if there are any duplicate positions, then see if there is a better choice for the same type, and make a comparison before making a decision.

It is a good idea to limit the number of positions and force yourself to sell one when buying a variety. Although rigid, for most novice investors, comparison is a very good method.

You can also think the other way around. Instead of buying so many funds and struggling to track them down, it is better to spend time on comparison and screening before buying.

Selling a fund that is not suitable for you is also a stop loss. No more mistakes is progress!

In-depth research, only choose funds that recognize their own ideas.

There are so many good funds, each with its own advantages and disadvantages, but there is no best one. The fund you agree with is the most suitable, so that you can hold it and hold it steadily.

Investment is still there, don't forget your active attitude, don't invest just to hold it. Holding a fund is because you have strong confidence in the investment concept of the fund from the heart and are willing to hold it for a long time before buying it.

Therefore, it is necessary to strengthen the in-depth study of funds, understand the investment philosophy of fund managers, and see if it is consistent with their own ideas. Funds that are not recognized should be sold as soon as possible.

If you agree with low valuation investment, but buy growth funds; Optimistic about blue chips, but bought small and medium-sized funds; If you don't like timing, but buy an active fund that likes timing, it must be uncomfortable.

However, some novices may not have formed their own investment ideas. It is easy to feel that this strategy is good, and the opportunities in that industry are also good. The valuation of another sector is relatively low and they want to participate. In fact, all the above opportunities are likely to make money, but if you all participate, they may cancel each other out, and the final trend may be similar to the broad-based index.

It doesn't matter if a novice really can't find which one he approves of. Strengthen study and summary, form your own investment ideas as soon as possible, and then make adjustments.

Choose funds within your own ability circle and sell what you don't understand.

Investment competence circle is a very important investment discipline: know your own competence circle; Invest within one's ability; Strive to expand the ability circle.

Investment is the realization of cognition, so try to make investments that you can understand. If you buy a fund you don't know, no matter how good the fund is, you may not make money on it, but it is easy to lose money. Even if you make money by luck, you may lose money by strength in the future.

So you might as well sort out your positions and see if you really understand what is low volatility, what is primary debt, what is hedging and what is dollar debt. If you don't understand and you can't learn it for a while, then sell it first.

Funds with the same style, strategy, industry or sector can be streamlined.

There may be many segmentation strategies under a certain style/strategy/industry/sector, so 1-2 is enough.

For example, dividend index is the most popular strategy, and there are many index funds such as CSI dividend, S&P dividend, low dividend, high dividend in Shenzhen and Hong Kong, high dividend in Hong Kong Stock Connect, low dividend potential 100.

But no matter how much you like the bonus strategy, it's best to choose only 1-2 that you are most optimistic about. If you buy more, the effect will not be better.

Try to choose only one fund managed by the same fund manager.

Cultivate combinatorial thinking and pay attention to the adjustment of the proportion of positions, rather than the number of new positions.

I am used to treating the portfolio as a whole, setting myself an acceptable expected return, volatility and maximum retracement, and trying to adjust the position ratio to meet my own requirements.

For example, your allocation: E Fund Blue Chip Selection 25% Guo Fu Tianhui 25% Guangfa Steady Growth 30% Boss Credit Bond 20%.

If you feel that the fluctuation is too big, you can not add positions. The adjustable ratio is: E Fund Blue Chip Select 22% Guo Fu Tianhui 18% Guangfa Steady Growth 30% Bosera Credit Bond 30%.

If the adjustment can meet your risk preference and expected return, then adding new allocation funds may increase your burden.

Fixed-income funds don't need too much, so they can lighten their positions.

Only the stock market will often have style changes, and the styles and trends of other investment products are generally relatively stable. Fixed-income fund managers are unlikely to have style drift problems.

So I don't think it is necessary to allocate too many fixed-income funds. As long as you choose the best configuration of 1-3, excellent debt-based managers can continue to perform well in the long run.

Briefly list a few fixed income fund managers I think are good:,, Tan,,, Huang,, and so on.

In addition, in the short and medium term within five years, even if you don't choose the best debt base, the income will not be too bad. So I don't think it's necessary to spend too much energy on it.

Other considerations for streamlining positions

(1) Pay attention to the handling fee friction caused by position change. Many funds need to be redeemed within two years, and most of them need to be redeemed within 30 days. Generally, it takes at least 30 days to consider adjustment.

(2) The concept of portfolio is the key to portfolio, and the overall portfolio operation cannot be affected in order to streamline the fund, thus affecting the investment income.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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