Most investment businesses in the market are different investment products designed according to different financial needs and different risk preferences. How to choose the right investment scheme is the most important.
First, look at the duration of the proposal.
Generally speaking, the portfolio corresponding to fund investment will have a suggested holding time, which is determined based on the historical performance of the product. Generally speaking, the market for partial stock products will be longer.
If you can't insist on holding advice and market, it is recommended not to choose this kind of variety.
Second, look at the fluctuation of products.
Every strategy of portfolio will introduce the risk level and fluctuation index, so you must choose products whose risk level and fluctuation coefficient match your risk tolerance.
Third, the historical performance of the portfolio.
The historical performance of portfolio is also a very important reference index. Look at the historical performance of each stage and dimension, and compare it with the market and performance benchmark to see if the portfolio can exceed the market average.
Fourth, look at the investment strategy.
The income of portfolio comes from the guidance of investment strategy. Understanding the investment strategy helps us to understand the underlying logic of the portfolio, and only when we recognize the investment strategy ourselves can we have the confidence to stick to it.
Look at the expected management indicators
Generally speaking, different portfolio strategies will have exponential backtesting. For example, if you plan to hold some investment portfolios for X years, it will show the annual income range, positive income, the best rate of return and the worst rate of return, which is conducive to setting reasonable income expectations with us.