In fund investment, you will buy some unplanned funds for various reasons. So every once in a while, you need to do a physical examination of your own fund to check whether the fund portfolio is scientific and reasonable. So how do you judge whether the fund you bought is reasonable?

1, check whether the collocation of various assets such as stocks and bonds is reasonable. Regardless of your risk tolerance, try not to have only stocks without bonds or bonds without stocks, such as all-stock funds or all-bond funds. These extreme configurations are unreasonable.

2. Whether active and passive full coverage has been achieved. If you want to achieve a good effect of diversified investment, you can also choose a balanced allocation between active stock funds and passive management funds. Active management funds have the opportunity to significantly outperform the index and obtain excess returns. However, index funds have low transaction cost and good dispersion effect, which can fully reflect long-term economic growth. The combination of the two can achieve a very good balance effect.

3. Whether the investment style is diversified. Our common investment styles are value investment, growth investment and balanced investment, and each investor will have his own investment preference. But from the risk point of view, it can be a little biased, and it is best to configure products with different investment styles at the same time.

4. Whether there are core assets and satellite assets. The proportion of asset allocation is also very important. If it is a stable investor, the core assets can be mainly allocated to bond funds. If it is a more radical investor, the core assets can be mainly allocated to partial stock mixed funds.

5. Whether some core theme funds have been allocated. After all the above are effectively configured, you can meet some personalized needs. Some market hotspots or fields that we study and pay special attention to can enter our investment sight, and after in-depth tracking and analysis, we can invest in some positions.

6. Keep long-term attention, follow up and rebalance appropriately. If the long-term performance is excellent and the short-term performance is not ideal, you can add positions appropriately. If the long-term performance is not ideal and the short-term performance is outstanding, you can continue to observe.

The above is how to judge whether the fund you bought is reasonable, and I hope it will help.