Judging from the current level of domestic fund managers and teams, I suggest that you only invest in an index fund, which is the so-called active allocation of stock funds. At present, except for a few established companies, the performance is not bad, and the rest are losing money. Besides, how much do you plan to invest every month? If it is less than 2000 yuan per month, it is recommended to invest in only one index fund. If it is more than 2000 yuan, you can invest in index funds and allocate a bond fund as a defense. You can make an investment strategy for at least 5-8 years: if the Shanghai and Shenzhen 300 Index is the target and the area below 2500 points is low, when it falls below this point, 80% of the planned monthly investment of 2000 yuan will be invested in index funds and 20% will be allocated to bond funds; 2500-3000 points, 70% invest in index funds and 30% allocate bond funds; 3000-3500 points, 60%: 40%; 3500-4000 points, 5: 5; Above 4,000 points, above 4: 65,000 points, above 3: 76,000 points and above 2:8. Of course, the investment ratio can also be adjusted according to the profit ratio. Make a strict plan and carry it out seriously. I believe your investment will pay off in a few years.

Investment funds should avoid two things. First, there is not much money, so buy more funds. The so-called eggs can't be put in one basket, which means that tens of millions of funds must be diversified. Our people's money is scattered, which will lead to a decline in the overall rate of return. Second, we must look at the fund prospectus and see clearly the investment target and direction of the fund. Index fund is a passive fund, and its advantages and disadvantages lie in whether it can copy the index completely and accurately. Therefore, its risk is limited, which is different from the so-called active allocation fund. To tell the truth, the investment level of some fund managers is not as good as yours and mine.