There has always been a saying in fund investment, that is, don't put eggs in one basket. The meaning of this sentence is that funds should not concentrate on investment, but diversify their investments and combine several funds to reduce risks. So how to combine the funds?

How does the fund match the portfolio?

1. Defines the number of funds. For ordinary investors, time and energy are limited, and too much money is not conducive to management. However, if the number of funds is too small to spread risks, it is suggested that the number of funds in the portfolio should be within 5-8;

2. Select the fund type. Different types of funds have different risks and returns, so they can be matched with two or three funds with different styles, such as high-risk and high-return stock funds, low-risk and stable-return hybrid funds, of course, some index funds can also be matched, and some broad-based index funds can also be selected. Of course, don't buy more funds of the same type.

Finally, I would like to remind you that the combination of funds should be in line with your own risk tolerance, that is, it can withstand the fluctuation of funds. In addition, if you can't choose the right time, you can choose the fund to vote. Of course, low-risk funds are not suitable for fixed investment, but high-risk funds can, because the effect of cost sharing is better.