My thoughts on Investment Funds

 

 

First, the core + Satellite investment concept is still very good. I suggest a combination of two cores and four satellites. In the initial capital structure, the core fund should be no less than 60% of the total investment. We can see that the core investment of the landlord should be on the themes of Huaxia 300 and harvest. In China (Huaxia) 300, I do not recommend core funds. After all, the risks are high. If the stock market is poor, it will be miserable. The core fund should select a fund with good long-term performance from the five stars in the morning. At any time.

 

Second, the capital construction time point. If the fund is selected, it needs to be cut in at a point. This is important to core funds. My advice is to buy in batches at a relatively low point in the stock market. Do not buy too much at a time, unless it is 998 of that year. Disperses some risks. You can create a warehouse three or four times.

 

Second, the investment should cover more areas as much as possible. The risk coefficient of the core fund's morning star cannot be too high. We recommend that you select the configuration fund for the balanced dashboard. Satellite funds can choose more aggressive stock funds and value-oriented small and medium-disk stock funds. At the same time, it is recommended that one of the six funds have a bond fund and one QDII. As for bonds, whether you want to be a core fund or a satellite fund, you have the ability to view your income needs and risk tolerance. If QDII is used, try to invest in foreign stock funds. At present, the best thing here should be ICBC global. QDII is recommended for satellite fund configuration. The risk is not small, and the handling fee is high, so the return is not ideal for the time being. The investment in QDII is only for possible foreign opportunities and to avoid some domestic factors.

 

Third, fixed investment. For situations where the landlord often stops the dingtalk operation manually. It is recommended that you set the minimum monthly quota. For example, in this case, there is no need to change temporarily, so we will continue to invest. If you have more money each month, you can purchase it manually or add a fixed investment at an appropriate time.

 

Fourth, bullets should be available at any time. We recommend that you do not store data in full warehouse at any time. You can maintain a maximum position of 85% or 90%, but you must leave a little cash. In this case, some bullets can be used when there is a chance.

 

Fifth, do not deny or even redeem the Fund because it is not performing well for the moment. Therefore, when creating a warehouse, you need to investigate and thoroughly analyze the funds you want to select. Once confirmed, do not change the withdrawal fund easily. You need to know that the Fund's handling fees are quite high. If you buy other funds after getting one out, you will always be working for the fund company. It is suggested that the Fund should cover different combinations. For example, if you invest in blue chips on the dashboard, or in small or medium value. In this way, if funds exist for Small and Medium disks, the positions of Small and Medium disks will be increased. If the blue chip market has the opportunity, it will add the positions here. It can respond to market conditions in a relatively flexible manner.

 

The above are some of my ideas for your reference.