Individual self-selected fund refers to the purchase of funds selected by individuals or optimistic funds in a unified column. Funds can not only invest in securities, but also invest in companies and projects. Fund management companies concentrate users' funds by issuing fund units, which are managed by fund custodians (that is, qualified banks), managed and used by fund managers, and invest in financial instruments such as stocks and bonds, and then * * * bear the investment risks and * * * enjoy the benefits. The above is the meaning of buying a fund by yourself.

How to match the combination of funds?

1. Determine the amount of funds: For ordinary users, time and energy are limited, and too much money is not conducive to management. However, if the number of funds is too small, the risk cannot be effectively dispersed, and 5 to 8 funds can be combined;

2. Choose the fund type: Different types of funds have different risks and returns, and you can match two or three different styles of funds. For example, high-risk and high-yield equity funds and hybrid funds can be matched with money funds and bond funds with relatively stable low-risk returns. Naturally, it can also be matched with some index funds. You can choose some broad-based index funds, and naturally don't buy more funds of the same type.

Why does the index go up and the fund doesn't?

1, the index does not match: the market index rises but the fund does not rise. It may be that the user's fund belongs to a certain industry fund, which mainly invests in a special industry index, but the industry does not effectively follow the market when the market rises;

2. The fund manager often changes positions and shares: If the fund manager makes mistakes, he often changes the runway or even empties, which may lead to missing the market and may also lead to the upward movement of users' funds. In this case, users need to consider the style and long-term performance of fund managers. If it doesn't meet the investment style of users, it's best to break it before considering breaking it;

3. Unreasonable operation: If there is no problem with the user's funds, the user's investment fund will not be profitable, and it is likely that the unreasonable way of personal operation has caused the slow blood return.

This article mainly talks about what it means to buy funds and choose funds. The content is for reference only.