First, good performance of newly transferred funds does not mean good performance this year, and poor performance of transferred funds does not mean poor performance this year, because there are normal fluctuations in fund performance;
Second, it is not conducive to the accounting of costs and profits;
Third, holding too many funds is not conducive to management, attention and redemption.
After choosing a good quality fund, you can insist on fixed investment for many years, and don't care about the performance fluctuation in a certain year. There are two index funds in your current investment fund, one is big and the other is small, so you can insist on investing. There are also three equity funds, among which, Yin Hua's wealth trend is poor, and in the case of Man Cang, it actually underperformed the index. Chinese businessmen's prosperous growth also underperformed the index in the case of more than half of their positions, and Huaxia dividend was slightly better. It is suggested that the three equity funds be replaced by Bosera theme industry with high performance and ranking, Huaxia return and Huaxia income!
The three funds recommended for replacement are all funds that have been established for a long time, experienced big bull market and big bear market, have rich practical experience and outstanding performance, and are worthy of long-term fixed investment. After choosing these five funds, you don't have to change them every year! It is estimated that at the latest 1 year, at the longest, your fund will be profitable!
I wish you a smooth and happy investment!