Before buying a fund, investors should find a balance between risk and expected annualized expected return, and design a suitable fund portfolio according to their risk preference and tolerance. Portfolio investment can make different types of funds learn from each other's strong points, so that the fund portfolio can better meet the diversified financial needs of investors and gain long-term value-added steadily. Please pay attention to the following points when configuring the fund portfolio:
1, select industry
The industry selected by the fund should have very clear profit drivers. When allocating assets based on a certain strategic direction, we should mainly choose the industry with the shortest logical deduction and the greatest benefit. First, choose a big direction, the simpler the key drivers of industries and individual stocks, the higher the accuracy of investment and the possibility of correct optimization of portfolio.
2. Adjust the investment portfolio in time.
The fund portfolio needs to adjust the proportion of fund products at an appropriate time. In a bull market, the proportion of equity funds can be increased. If it is in a falling market, it is necessary to minimize the allocation of stock funds and turn to funds with fixed expected annualized expected returns.
Step 3 disperse as much as possible
The mutual fund focuses on the degree of diversification of the whole portfolio. If all the funds held by investors are of the same type or industry, even if there are more funds, the purpose of diversifying risks will not be achieved. Investors with weak risk tolerance can reasonably allocate funds between bond funds and equity funds, and money funds are also a good choice.