How is the proportion of fund investment reasonable?
1. Age rule
The age rule is to determine the proportion according to the age of the investor. We are based on 100. If you are 25 years old now, you can invest 25% of your assets in fixed-income funds and 75% in equity funds. Because you can increase the proportion of equity funds when you are young, because your risk tolerance is high, but your risk tolerance begins to decrease with your age, so you need to increase the proportion of fixed-income products.
2. Sustainable investment strategy
The investment strategy is unchanged, that is, the investment ratio of each product is the same. For example, if you have 10000 yuan, divide it into four equal parts, each with 2500 yuan, and invest it in money fund, bond fund, mixed fund, stock fund or index fund respectively. If your assets increase in value, even if individual products lose money, you will still make money and spread certain risks.
Note that funds need long-term investment, and only long-term investment can pay off. Of course, investors with different risk tolerance have different fund investment ratios. Investors can allocate the fund proportion according to their own conditions and actual needs. Finally, investors need to be reminded that the fund is risky and investment needs to be cautious.