First, determine the purchase quantity of the fund. Ordinary investors have limited time and energy to go to work, and if they choose too many funds, they may lose their concentration. Moreover, which fund many investors buy rose well, resulting in a lot of money in their hands, and the expected annualized expected return is not necessarily good. It is suggested that if the funds are not too much, it is best to control them within 5.
Secondly, determine the basic allocation direction of the fund portfolio according to the risk. Because the fund invests in stocks, bonds and so on. Therefore, investors should determine the basic allocation of fund portfolio according to the risks they can bear.
Finally, the fund allocation ratio should be adjusted according to the market trend. In a bear market, the allocation ratio of equity funds and hybrid funds can be reduced; In the bull market, increase the allocation ratio of equity funds and hybrid funds. If you can take high risks, investors can also match some graded funds. What needs to be reminded is not to adjust the fund portfolio allocation as soon as there is a change in the stock market. Ordinary fund investors should abandon the psychology of buying high and selling low, because it is difficult for ordinary investors to grasp the rhythm of the stock market rebound.
Portfolio investment is not simply buying several different styles of funds. The so-called portfolio is a fund purchase scheme that can quantify and spread risks, spread risks through different asset allocation, indirectly improve the overall expected annualized expected return-risk ratio, and achieve the best cost performance.
Portfolio investment can make different types of funds learn from each other's strong points, make the fund portfolio better meet the diversified financial needs of investors, and help investors exchange time for space and gain long-term value-added steadily. For example, stock funds can create long-term expected annualized expected returns, while bond funds, ultra-short debt funds and money funds can effectively spread stock market risks, strive for higher annualized expected returns than deposits, and maintain convenient realization and dividends.