At present, the stock market, the plate rotation is more and more frequent, the performance of different funds fluctuates, and the performance level is obviously differentiated. It's still risky to bet all your money on one fund. In case the fund manager's investment strategy is empty, or his main plate sinks in the stage, then our investment will lose money. Some investors buy dozens or even dozens of funds as soon as they hear that they want to diversify their investments. I think this is wrong.
On the one hand, it is very difficult and troublesome to choose so many funds; On the other hand, if there are more funds, the ups and downs will easily offset each other, and the overall position will be affected. Since buying different funds is to spread risks, some people buy different funds, but the investment direction and theme are the same, such as Huitianfu Consumer Theme Fund and Yifangda Consumer Theme Fund, which have no effect on spreading risks at all.
We can use the following combinations to spread risks: large-cap fund+small-cap fund; Matching funds of different departments; Or equity funds+bond funds and so on. Our funds don't have to be allocated equally to different funds, but according to the nature and performance of the funds.
The model of core fund+satellite fund can be adopted. The core fund is the fund with the most stable and outstanding performance, and its capital ratio can be higher, while the satellite fund is the fund you choose to balance the overall risk, or the fund whose performance is not obvious.
If you are optimistic, it is best to buy it in several baskets, which can reduce the risk. At the beginning of buying a fund, the position should not be too heavy. It is safer to try the market first to make sure the rhythm is correct and then make up the position. Don't blindly add positions. Novices should select excellent funds through tools such as Morningstar.com, Tiantian.com, Buy Fund.com, and fund investment, and then join the self-selected funds for observation, and then choose the right time to buy after clearly selecting the funds.