Fund portfolio refers to the combination of various assets, which may include bank deposits, short-term bills, stocks, bonds and derivative financial products.

Fixed proportion and floating proportion fund portfolio 1. Fixed proportion fund portfolio refers to the fixed proportion portfolio of funds with different crisis degrees. For example, the fund portfolio we often mention (active, stable and defensive) will not be adjusted after the portfolio is established.

Advantages of fixed proportion fund portfolio: it can avoid people from being too confident or too sensitive to adjust their portfolios frequently, save time and effort, and lock in the characteristics of crisis returns for a long time, especially suitable for investors who have no clear judgment or are unwilling or unable to make a clear judgment on the securities market.

Disadvantages of fixed proportion fund portfolio: you may miss a good opportunity for the market to rise. For example, the defensive portfolio missed the opportunity of the stock market surge in the bull market, and the relative absolute rate of return was low. When the securities market falls unilaterally, the fixed proportion of the fund portfolio will lose the opportunity to change the proportion of various funds to reduce losses.

2. Floating proportion fund portfolio refers to adopting different proportion combinations for funds with different crisis characteristics in different market periods according to the judgment of market trends. For example, when the market is at a high level and the crisis is increasing, reduce the proportion of crisis assets, increase the proportion of low-crisis and non-crisis assets, and reduce the crisis of this investment; When the market is at a low level and the valuation is low, increase the ratio of crisis assets and reduce the ratio of low-crisis and non-crisis assets, thus increasing the potential rate of return.

Advantages of floating proportion fund portfolio: We can adjust the portfolio regularly according to the timely judgment of the returns of stock market, bond market, money market and crisis market to achieve higher returns or reduce losses. Its disadvantage is that it needs to invest more time, energy and even financial resources, and there is even a crisis of doing things in the wrong direction.

The investor's fund portfolio selection is 1. Choose a fund with good performance: investors choose a fund with excellent performance in the same type and buy it at the right time. A good fund should be able to resist falling when the market bear market comes, and the decline is less than the broader market; And when the bulls come, the increase is higher than the fund of the broader market.

2. Pay attention to the portfolio report: investors regularly pay attention to the fund portfolio report in their hands. Often give the fund a "health check", and if you encounter bad funds, eliminate them in time.

3. Observe the use of the fund.