How much money do you hold? How is it generally managed?

According to the investment amount, the combination strategies of 1 10,000 yuan, 1 10,000 yuan and 1 10,000 yuan are different. The greater the amount of funds, the more risk diversification should be considered. If the amount of funds is more than 654.38+10,000 yuan, it is best to hold a fund of 5 to 10. If the amount of funds is small, for example, only 1 10,000 to 20,000, sharing with too many funds at this time will increase the cost of handling fees, so holding less than 5 funds is almost the same.

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.

1 The portfolio of funds is the most volatile, and each additional fund can obviously improve the volatility. When the portfolio is increased to 5 funds, the degree of fluctuation is not necessarily related to the increase of funds, that is to say, it is more appropriate to hold about 5 funds.

The risk level and income level of each fund type are different. Buying one more fund is conducive to diversification, but too many funds are inconvenient to manage and risk control will be weak. If you want to make diversified investments, you can buy a fund portfolio, or you can consider other investment and financial management methods, such as bonds, bank deposits, stocks, etc.

The purpose of allocation is to spread risks and increase certainty, and it should not be different because of the amount of funds. If you hang a star fund at the beginning of this year, this year's investment experience will definitely be poor. We shouldn't laugh at those who have lost their manners and cursed the fund manager in the fund bar, because we are not saints. Overweight positions and excessive pressure will inevitably lead to psychological imbalance and make some seemingly ridiculous things.

However, if individuals have certain investment experience and energy to manage various funds, it is ok to buy more than one fund. Generally speaking, how many funds to buy depends on personal needs and abilities. Generally speaking, it is not recommended for individuals to hold more than five funds, preferably no more than five, subject to personal investment and financial management needs.