The choice of fund products should be combined with macroeconomic and stock market conditions. The macro-economic growth prospects are improving for a long time. At the same time, under the background of low inflation, the stock market valuation has a solid foundation. At present, partial stock funds should be a better choice for fund investors.
Production allocation is an investment idea, an investment skill and an investment art. Generally speaking, the brief investment method of asset allocation is that investors first decide their own financial objectives, investment return rate and risk attributes. Then at different time points or time periods, the assets will be invested in three categories of financial assets in proportion: currency, stocks and bonds. In practice, money funds, stock funds and bond funds are generally used to replace the above three financial assets, so as to achieve the target rate of return on investment, reduce investment risks and maintain appropriate liquidity.
Caijing.com's article "Paying attention to asset allocation and diversifying fund investment risks" is of great guiding significance to investors' international operation:
"If you choose a bond fund or money fund with lower risk, the income is relatively low; If you choose equity funds with relatively high returns, you may face losses when the stock market is in a downturn. In view of this kind of investment problem, E Fund recently launched an investor education activity of "reaffirming asset allocation and diversifying investment risks" throughout the country, emphasizing the matching of risks and returns, and diversifying investment risks through reasonable asset allocation to obtain more stable returns. The so-called "asset allocation" refers to the process of how to choose the category of assets and determine their proportion in a portfolio. Usually, the pursuit of high returns means taking high risks. Therefore, when choosing a fund, investors need to start from the relationship between risk and return, comprehensively measure their own risk-return needs and the risk-return characteristics of different fund products, and choose the corresponding asset allocation scheme. E Fund recommends investors to use two common asset allocation methods: one is "life cycle allocation method". The life cycle is divided according to the age of investors. The logic is: the older the investor is, the shorter the investment period is, the less he should take risks. In order to pursue stable allocation, the proportion of risky assets will tend to decline; On the contrary, you can be more aggressive and allocate riskier assets. The second is the "core and satellite configuration method". According to their own investment goals, investors look for investment tools that may help them achieve their goals and give them a high allocation ratio, which is the "core asset"; After determining the core assets, from the perspective of "complementarity" or "enhancement" of investment varieties, the "satellite assets" are allocated in a relatively low proportion to form a portfolio. E Fund reminds investors that both "life cycle allocation method" and "core and satellite allocation method" reveal the same truth, that is, investment funds must have the concepts of "whole" and "primary and secondary", and asset allocation is a plan, not just buying a bunch. Only by planning and allocating assets can we diversify investment risks and get a return on investment. "