The benefits of doing a good job in the fund's fixed investment portfolio are mainly two aspects:
First, reduce investment withdrawal and avoid repeated investment.
When many investors consult my fund investment, I will find that many investors either bought all the star funds of the previous year or all the funds of a certain industry or a certain style fund.
The A-share market fluctuates greatly, the periodicity is not obvious, and it is difficult for most investors to make a profit in the market.
Since 2005, the annualized income of the combination of CSI 300 Index and CSI 500 Index is 1 1.9%, which exceeds the income of pure CSI 300.
Many retail investors, especially those who invest in stocks, have a return of "seven losses, two draws and one profit". As can be seen from the historical market, the ups and downs of the stock market, the largest historical decline of -7 1.76%, is beyond the affordability of ordinary people, and retail investors often chase after high prices, and losses are inevitable.
If we reuse the principle of stock-debt balance and add it to the allocation ratio of bond funds when the index is overvalued, then the withdrawal ratio can be further reduced. Through the way of fund portfolio investment, the volatility of the overall assets can be effectively reduced, so as to achieve the purpose of reducing the principal withdrawal, which can alleviate the psychological pressure of investors in actual investment and is more conducive to long-term investment.
Second, choose fund products with good growth.
Buying stocks and investing in companies, we all know that to choose a company with good growth, the share price of a company with good growth may double or even dozens of times in just a few years.
A-shares are known as two industries that are naturally easier to make money: medicine+consumption.
Assuming that investors bought 10000 yuan of securities at the beginning of listing in 2004, the initial 10000 yuan has now become 189200 yuan, and the return is 18 times that of 2005.
Buying CSI medicine still yields 10 times. Therefore, the importance of industry selection is verified again, and the profitability of different industries is still very different.
CSI consumption means that, of course, the A-share market is a fast-moving market in the industry, and industry index investment requires certain judgment ability, which is more suitable for the old drivers of investment funds. In contrast, the Shanghai and Shenzhen 300, CSI 500 and other broad-based indexes are more close to the people, and no matter how the plate rotates, there is a chance of rising.
In addition, when choosing active management funds, try to choose funds with excellent long-term historical performance. The fund performance of actively managed funds mainly depends on the strength of fund managers and fund investment and research teams, and unfamiliar funds should not be bought easily.
Summary: ordinary investors suggest choosing broad-based index as a fixed investment portfolio, such as blue-chip index+small and medium-sized index; When you have a certain understanding of active funds, you can add 2-3 products that can only get excess returns to improve the return on investment; For ordinary investors, don't choose too many funds in the fixed investment portfolio. Too much money may lead to repeated styles, high correlation and low utilization rate of funds.