Haidu Investment reminds you: When you find that with time and market changes, the original investment portfolio cannot meet its investment goals well, you must adjust the original investment portfolio. Pay attention to the following points when adjusting:
1. Don't make big adjustments in a short time
If the required adjustments are large, investors should not make adjustments immediately, but make a gradual adjustment plan within a predetermined period of time (such as one year). However, if investors find that there are too many stock funds in their current portfolio (especially too many high-risk stock funds) that do not match their investment horizon, they should adjust as soon as possible.
2. Focus on adjusting skills to reduce unnecessary costs
If the adjustment is not urgent, investors can allocate new funds in the future to achieve the purpose of adjustment. If you use the new fund to buy more asset classes, you need to increase, and at the same time reduce or not buy these asset classes, you need to reduce the proportion. You can avoid direct sales of asset classes and you need to reduce the proportion of assets purchased. Related costs incurred in this category (including transaction costs and taxes); even if investors do not intend to increase funds for the time being, they can also pool the dividends of all funds held for a period of time and invest in asset classes that need to be increased instead of Simply reinvest in the original fund variety.
3. Choose poor quality to sell
When it is necessary to sell the original varieties to adjust the investment portfolio, investors first consider those underperforming varieties. But be careful not to measure its performance based solely on the rate of return, but to compare it with similar styles; it cannot be measured in a short period of one month or three months. It should be those breeds that have been underperforming for a long time. In addition, investors should also pay close attention to relevant information, such as the huge changes in the management or research team of the fund company, the rise in related fees, major changes in investment strategies, scandals, etc. Investors should consider these "basic" factors when choosing products for sale. The fund has undergone tremendous changes.
4. Choose qualified breeding varieties
When investors need to add new fund categories, or replace existing fund categories with better fund categories in the same category, it should be noted that the investment style of the fund has a great influence on the performance of the fund. Growth funds usually invest in companies with higher growth than market levels and higher prices, while value funds usually buy stocks that are cheap and whose value will eventually be recognized by the market. Balanced funds have the characteristics of the above two investment methods.
5. Cultivate the habit of rebalancing
There are usually two ways to achieve the effect of rebalancing-or you can rebalance regularly, such as in December every year, or you can rebalance when your portfolio is seriously off your goal. My suggestion is to combine these two methods. Although I think it is beneficial to conduct an in-depth assessment of your fund portfolio every year, don't develop the habit of frequent trading. I recommend a comprehensive assessment of your fund's portfolio every year, but only rebalancing when the portfolio is seriously deviating from your goals.
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