How many funds should I buy?
According to personal circumstances, you can buy more if you have more spare money. You can buy one or two if you have no money. After all, buying a fund requires costs and risks, but on the basis of money, the more funds you don't buy, the more money you earn.
Someone has made a hypothetical portfolio: the number of funds ranges from 1 to 30, and different fund types are changed at the same time, and then the five-year standard deviation of each portfolio is calculated separately. The results show that the volatility of a single fund portfolio is the largest, and increasing 1 fund can obviously improve the volatility. Although the yield is lower, investors do not have to bear greater downside risks. After the portfolio is increased to 7 funds, the degree of fluctuation will no longer decrease obviously with the increase of the number. This shows that less than seven funds is an ideal number, and holding too many funds may lead to ineffective diversification.
According to the survey report, 38.6% of the citizens hold less than five funds, 39.5% hold five funds ranging from 10, 14.3% investors hold funds ranging from 10 to 15, and the rest investors hold10.
If you want to know how many funds you want to buy, the number of funds directly affects your investment mentality. Investing 1 1,000 yuan and 1 1,000 yuan, the investment strategy is definitely different. The greater the amount of capital, or the greater the proportion of this capital in your total assets, the more you should consider diversifying risks, because the investment mentality will be different. Furthermore, the psychology of taking risks is also the focus. If you can bear a certain degree of loss, you can buy more. If you don't want to bear the loss, one or two is enough.
After reading the above introduction, I believe everyone has a further understanding of how much money is most suitable for holding this topic. When buying a fund, how much you buy is not the most important thing. The most important thing is to buy a good fund, a fund with great growth space. This fund can be held for a long time after buying, and it can get a steady stream of income.