Second, the most important thing in investment is to control risks and pursue relatively high returns on this basis. According to your description, if you want to buy two or more funds, it constitutes a portfolio. The purpose of portfolio is to resolve investment risks and ensure vested profits. First of all, under normal circumstances, it is not appropriate to buy more than three funds, which will consume too much investment energy and the investment effect may not be good. Second, don't buy more than two products of the same type, because if you encounter uncontrollable risks, the products of the same type will be in distress at the same time, and the risks cannot be avoided. If both benefits are good, it is enough to buy a better one. Third, don't buy the products of the same fund company. If the fund company itself has problems, it will implicate all its fund products, and the risk is still great.
Third, the fund diagnosis:
1. Huaxia Advantage Growth Fund (00002 1): established in 2006, with a cumulative net value of 2.22 in 6 years. Average income. Heavy banks, it is difficult to have a big change in performance;
2. Harvest Strategic Growth Fund (0700 1 1): established in 2006, with a cumulative net value of 1.48 for six years. Income difference. Consumer stocks such as liquor and Gree will have some room for growth at the end of the year;
3. China Merchants Blue Chip Fund (2 170 10): Established in 2008, its accumulated net value for four years is 1.26, and its income is average. Heavy liquor and finance, the market outlook has basically stabilized;
4. Wu Dong Jiahe Advantage Selection Fund (58000 1): established in 2005, with a cumulative net value of 2.4 in 7 years and an average income. Heavy positions in China Merchants Bank and Medicine, with a stable market outlook;
5. Southern CSI 500 Fund (160 1 19): established in 2009, with a cumulative net value of 0.89 in three years. The fund structure is subject to the sluggish performance of the market and is in a state of slight loss. Equipped with the weight of variety fitting index, the average market income is obtained, and the market outlook is consistent with the market peers.
Four. Investment advice:
1. There are four stock funds and one index fund in your portfolio. There are too many stock funds, which distract the investment energy but not the investment risk. 1000 yuan suggests investing in only two funds.
2. Because the performance of the four equity funds is flat, if you want to change the investment structure, you must take the opportunity to redeem it. The redemption time should be at a relatively high point around the end of the year. We can choose a better stock fund for redemption. We recommend Huitianfu Advantage Select Hybrid Securities Investment Fund (5 19008) established in 2005, with a cumulative net value of 4.3 1 for seven years, which is remarkable. Vote for 500 yuan every month.
3. The Southern CSI 500 Fund (160 1 19) is reserved, and the China stock market has good investment value, or QFII is eager to expand its scale and enter the market quickly. Based on the mature investment concept and rich market experience of the west for many years, they will never make random moves. Now that the market is in the process of bottoming out, a relatively low position is a good opportunity to open a position; Fixed investment index funds can obtain low-cost chips at a low level, laying the foundation for future market improvement and profitability. The monthly fixed investment will increase to 500.
4. If you still have spare money, allocate some bonds and money funds, with minimum risk and stable income. These two products do not need fixed investment, and can be sold with the purchase, which is flexible, mainly to preserve capital and increase value.
Such adjustment will definitely change the passive situation of your investment, with controllable risks and predictable returns.