Many citizens buy funds to see what funds are good. Therefore, the more they buy, the more they can manage. At the same time, we also know that too many funds are too scattered, and the income effect will be worse. How can we streamline our funds?

First of all, we should classify funds, including fund types and investment styles. After classification, you should choose the best, and you can choose from the following four aspects.

First, it is good to choose a single industry or theme fund. For example, someone bought both Zhang Kun and Liu Yanchun. These are big consumer funds, so just choose one.

Second, for industry-balanced allocation funds, it is good to choose highly overlapping positions. For example, fund managers Chong Wang and Yang Hao's funds are very similar, probably because these two fund managers are related to the same company, and their representatives pay double interest balance on behalf of the new growth of the fund Bank of Communications. From the perspective of reducing correlation and diversifying risks, it is still not recommended to hold the products of the same fund company too intensively.

The third is the proportion of positions and multiple configurations; The proportion of positions is small and the allocation is small. For example, if your portfolio ratio of stocks and bonds is 8: 2, then you can hold 1 or two bond funds, such as a pure debt fund and a partial debt fund.

Fourth, it is good for the same fund manager to choose a fund of the same type. Of course, if you are particularly optimistic about a fund manager, he has both partial stock funds and partial debt funds. This does not prevent the combination of the two, but it is very rare for a fund manager to be good at grasping both partial stock funds and partial debt funds. After all, every fund manager has his own ability circle.