1, a reasonable amount of funds
Too few funds can not achieve the effect of portfolio investment, too many funds are difficult to manage, and too many fund styles will also affect the play of fund advantages, and ultimately lower the average expected return. Usually it is reasonable to choose 3 to 5 funds for investment portfolio.
2. Reasonable collocation of different types of funds.
Different types of funds have different characteristics of risks and expected returns, so you can choose two or three different styles of funds to match, such as stock funds, bond funds, hybrid funds or monetary funds. The former two belong to stock funds, and the latter two belong to fixed income funds, which complement each other. Of course, it is also possible to allocate some medium and low risk index funds between the two. Generally speaking, the higher the risk, the lower the allocation ratio, and ensuring the safety of principal is the most important.
3. Adjust the fund products and proportions in a timely manner.
After selecting the fund portfolio, it is necessary to appropriately adjust the fund products and proportion according to the actual situation. For example, in a bear market, the proportion of equity funds should be appropriately reduced. After the risk tolerance is improved, the proportion of equity or hybrid funds can also be appropriately increased. In addition, regular rebalancing can be operated once every six months or once a year, and the funds are transferred back to the original set ratio.
The above content about how to reasonably combine funds, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.