For a long time, fund salesmen in most financial institutions praise how good the fund's fixed investment is, which also leads to the majority of people's choice of fund fixed investment when they choose to purchase fund. Then the question is, how to choose fund for fixed investment? How many funds are more suitable for regular investment?
Let's take a look at the main advantages of fixed investment funds.
First, the fixed investment fundThe procedure is simple and has no thresholdAny ordinary investor can make fixed investment in the fund;
Second,Spread riskBecause the investment target of the fund is various kinds of securities, the net value of the fund will fluctuate, so there is risk in purchasing the fund. The fixed investment can average the investment cost to a certain extent and disperse the risk brought by the fluctuation of the net value of the fund;
Third, long term investment,Save time and energyThe fixed investment of funds is a fixed amount of investment at a fixed time, so there is no need to take the initiative to manage.
So how many funds are more appropriate?Generally speaking, 3-4 funds are more appropriate.
The main reason is that although the fixed investment can reduce the loss caused by fund fluctuation to a certain extent, if you only choose one fund, and the selected fund does not perform well, and the investment target of the fund also belongs to the assets lacking value-added space, then no matter how to carry out the fixed investment, it will be a loss. Therefore, choosing 3-4 funds is mainly to adapt to their own risk preference and risk tolerance.
If you choose 1-2 funds, you may face the risk of "all eggs in one basket". If you choose too many funds, the cost of fund share purchase will rise. Moreover, every additional fund in your fixed investment portfolio means that you have to pay more attention, which is contrary to the original intention of saving energy and effort in fixed investment.
The following is a brief share of the logic of the fund's fixed investment, which is mainly divided into two points.
firstAccording to their own risk preference to choose the type of fundIf you are a risk neutral person, you can choose two bond funds, one stock fund and one index fund. If you are a risk averse person, you can allocate more stock funds in the fixed investment portfolio. In this way, it can better match their own risk preference and risk tolerance.
The second isAccording to their optimistic 1-2 industries, choose the funds with heavy positions in the industryGenerally speaking, considering that ordinary investors have limited understanding of industries and limited energy, 1-2 industries are more suitable.
In conclusion,The more the fund's fixed investment is, the better, and it can't be too little. It is suggested that the portfolio of fixed investment should be 3-4 funds.As a matter of fact, it is difficult to have a definite conclusion on investment, and what can be given is only some own experience. Investment is risky, so we should be cautious when entering the market.