How to match the fund portfolio?
1 large index+small index
When making a fixed investment portfolio of index funds, the collocation of large-cap index and small-cap index is mainly to adapt to different market styles. For example, the combination of CSI 300 and CSI 500 is equivalent to investing in the top 800 listed companies in the A-share market, and both the market and the small and medium-sized board can be taken into account. However, this kind of income is generally stable, and it is not recommended to buy it when the overall market is hot. In addition, we can also increase the GEM index and Kechuang 50 on this basis, which also takes into account the development of other sectors.
3 Broad base index+industry index
For beginners, a broad-based index is friendly. When we stretch the front line, we can find that the overall income is actually not bad, but after some experience, this income is often not very ideal. At this time, you can match some potential industry indexes or theme indexes to improve the overall income level of the portfolio.
This kind of fund portfolio suggests increasing the investment proportion of broad-based index. In principle, choose excellent broad-based index funds, try to stabilize them as much as possible after buying, and only make fine adjustments. Only by combining some funds with the market can we pursue higher returns. However, I suggest that you choose an industry that you are familiar with and understand. Not all industries are worth investing in, so don't blindly follow suit. Especially in the current situation that the industry is rotating rapidly, it is possible that this industry and this sector will rise sharply in the past few days and fall the worst in a few days.
For industry index funds, we should look at their development prospects from the perspective of policy support, their hot period from the perspective of actual performance support, and their development potential from the perspective of sufficient market.
More than 3 market portfolio.
In addition to the A-share market, in fact, we can also invest in the Hong Kong stock market and some overseas markets through funds, such as the S&P index, the Nasdaq index, the Hang Seng Technology Index, etc., which can hedge the asset risks in the A-share market and share the benefits of the Hong Kong stock market and overseas markets.
4. Goods base+debt base+equity fund
In fact, on the whole, the income of equity funds often fluctuates greatly, and bond funds and monetary goods base can be added as a supplement to equity funds. Moreover, the stock market and the bond market are relatively independent, which can effectively help us avoid the systemic risks of the stock market, and sometimes even the opposite market conditions will appear between them. The higher the proportion of bond funds or money funds, the better the stability of portfolio income, which is a good choice for stable investors.
Generally speaking, different people have different fund portfolio strategies in different market environments. Friends who are new to the fund had better learn some basic knowledge first to avoid invalid fund portfolio allocation. Otherwise, they will not only be unable to spread risks, but may also generate unnecessary costs.
* Financial management is risky and investment needs to be cautious. The above contents are personal opinions, for reference only, and do not constitute any investment advice.