Let's start with the conclusion:
1. Under the comprehensive circumstances, it is recommended to hold a hybrid-flexible fund, the overall income is relatively stable, the disadvantage is that the dispersion of the base score is high, and the number of such bases is large, the proportion of good and poor results is not small, and the specific selection is difficult.
2. Financial cowards (to paraphrase a treasure slogan) is recommended to hold flexible - balanced, exponential. The characteristic is that regardless of the short and medium term, the stability is quite high, and the number of such bases is not large, and the difficulty of selection is small
3. High risk appetite is still recommended to hold stocks, hybrid - flexible funds, long-term holding returns or advantages
4. Mixed-partial stocks are not recommended, anyway, from the perspective of long, medium and short, the overall advantages over other categories are not obvious, the specific reasons I do not know
Say why:
Through the statistics of the net value changes of more than 7,000 funds in the past year, it mainly looks at the overall average return, the median return value, and the standard deviation of return. The specific statistical table is not posted, and everyone looks at the result map.
For the above figure, we will give a general introduction
X-axis: Represents the average yield of each type of base, indicating the overall level of return
Y-axis: Represents the median return of each type of base, indicating the level of return of the fund with medium grade (not affected by the scum of the school bully)
Bubbles: The size of the bubbles represents the difficulty of selecting a fund to achieve a median/average return. The larger the bubble, the more difficult it is to select
Friends who are unclear about the classification of funds, you can follow me to see the previous article