Some people like to speculate in stocks, but feel that the risk of stocks is too high. They want to buy some relatively stable funds or other wealth management products to spread the risk, but they are not sure how to allocate the investment ratio of these two assets. In fact, in the final analysis, this is a process of building a portfolio. So how do you build your own portfolio?

First of all, we must establish a correct investment concept.

Establishing a correct investment concept from the beginning is of guiding significance for future investment. We can think of investment as sacrificing current consumption in order to realize value-added in the future. For example, we save money and deposit it in the bank regularly.

To establish a correct investment concept, we must first abandon the idea of getting rich overnight. On the one hand, people with this idea can easily fall into the investment trap, on the other hand, they may lose all their money. Investment is a process of getting rich slowly.

Understand the attributes and investment logic of various investment varieties.

Don't make a move when you don't know. For example, don't buy a fund without knowing its risk-return characteristics, investment strategy and fund manager's ability. Only the money we know is what we can earn.

Carefully understand the risk-return characteristics of each investment product, how much risk we can bear, and so on.

Determine your own investment period

Different investment periods determine what kind of investment methods and varieties you are suitable for. For example, bond funds and money funds are suitable for short-term investment because of their small risks and certain expected returns, while stock funds are more suitable for long-term investment because of their uncertain short-term expected returns.

Build a real portfolio

If you have all these theoretical knowledge, you can try to build a collection of works in actual combat, and you can really understand your needs through actual combat.