1. Allocate funds according to market conditions.

In a bull market, investors can allocate more equity funds and reduce the allocation of some bond funds and monetary funds. For example, in a bull market, investors can buy 60% equity funds, 30% monetary funds and 10% bond funds. In a bear market, we should allocate more bond funds and money funds and reduce some stock funds. For example, 60% of positions are money funds, 30% are bond funds and 10% are stock funds.

2. Investors can use the law of 432 1 to rationally allocate funds.

Investors can allocate 40% of their funds to broad-based index funds, 30% to pure debt funds, 20% to money funds and 10% to gold ETF funds.

In short, investors should follow the principle of diversification when allocating funds, and don't put all their eggs in one basket.