First, the performance of newly transferred funds in the past does not mean that the performance of this year is good, while the performance of transferred funds in the past does not mean that the performance of this year is poor, because the performance of funds fluctuates normally;
second, it is not conducive to the accounting of costs and profits;
Third, it causes too many funds to be held, which is not conducive to management, attention and redemption.
after choosing a good quality fund, you can stick to the fixed investment for many years, regardless of the performance fluctuation in a certain year. The fund you are currently investing in has two index funds, and one is large and one is small, so you can insist on investing in it. There are also three stock funds, among which, Yin Hua's wealth trend is poor, and it actually underperformed the index in the case of Man Cang, and the growth of Chinese businessmen in the prosperous period also underperformed the index in the case of more than half of the positions, and the Huaxia dividend was slightly better. It is suggested that three equity funds be replaced by Bosera theme industries with high performance and ranking, and Huaxia returns and Huaxia income!
The three funds recommended for replacement are all funds that have been established for a long time, experienced big bull market and big bear market, have rich combat experience and outstanding performance, and are worthy of long-term fixed investment. After selecting these five funds, it is not necessary to replace them every year! It is estimated that in one year at the latest and several years at the longest, your fund will be able to unwind and make a profit!
I wish you a smooth and happy investment!