Give you three simple and easy-to-operate tips for fund allocation, attach specific funds and copy your homework directly.

The first configuration method is the "three-five rule".

The core logic of this rule is this: by properly diversifying investment, the balance between ideal income and risk can be achieved. On the one hand, it can avoid the risk of fluctuation caused by excessive concentration of funds; At the same time, it also avoids being too scattered to take care of money and energy.

For specific funds, these three types are recommended, according to the order of risk-return from low to high: large-cap value type.

Specific alternative funds:

First of all, the market value index is "standard" and "just needed", which is a stable investment infrastructure configuration;

Secondly, small and medium growth index can be configured, which is the source of higher income. But note that this index is best to make a long-term fixed investment;

Through the method of long-term fixed investment, we can effectively iron out the fluctuation risk of small and medium-sized growth index, buy it at a lower cost when it falls, and finally get more income. Financial fans may have noticed that this kind of index is falling recently, which is actually a good opportunity to invest and add positions.

Finally, according to the remaining amount of funds and personal risk preference, the funds of 1~3 will be reallocated. These funds can be QDII funds that invest in overseas markets or various theme/active funds.

The "three-five rule" emphasizes the concept of asset allocation. Below I will introduce two methods with great practical value.

The second entry-level configuration scheme is called "dumbbell" combination.

Choose two funds with different investment styles and spend the same money to buy them. For example, "bond fund+equity fund" is a typical dumbbell-shaped fund portfolio. Historically, the trend correlation between bonds and stocks is low. This combination can smooth the fluctuation of your investment income and prevent wealth from riding a roller coaster with market changes.

This method is more suitable for beginners. I take "large fund+small fund" as an example, and give you several investment schemes for your reference:

"Dumbbell" scheme, as long as each party chooses a fund.

The third configuration mode is the combination mode of "core+satellite".

Investing a large proportion of funds in products with stable performance and holding them for a long time is equivalent to the role of "core"; With a small amount of "satellite" assets, it will be adjusted irregularly to obtain higher returns.

This method is relatively stable, and can lock most of the income through core assets, which is suitable for most ordinary investors.

For example, broad-based index funds such as CSI 300 and CSI 500 can be used as core assets, and some industries or theme rotation products can be used as satellite assets.

You can learn from the following combinations:

For the "Core+Satellite" program, one fund can be selected for each category.

The above three technologies can be advanced and dynamically adjusted, which is called "rebalancing". That is to say, we will adjust the investment regularly and maintain the original capital ratio, so I won't go into details here.

To sum up: asset allocation is not difficult, whether it is dumbbell combination, core+satellite combination or "three-five rule", as long as we grasp the general direction of dispersion and proportion, the benefits and risks will be more balanced.

Here, I would also like to say that the above are some basic practical methods of fund investment, but the financial market is changing all the time, and the strategy needs to be adjusted according to the changes in the market. If you really want to invest, you can go to Xiaocaiji headline number to see the latest market interpretation and investment analysis.