基金投资新手攻略（二）

Group 1 - The core idea emphasizes the importance of establishing a scientific fund allocation awareness regardless of income level [2] - Income should be divided into fixed expenses, daily expenses, insurance, and long-term investments, with a focus on ensuring that investment losses do not impact daily life [2][3] - Long-term investments should be allocated to equity funds, with the proportion based on individual risk tolerance [2] Group 2 - Asset allocation should focus on low correlation among different funds, diversifying across industries, markets, and fund types to optimize risk-return ratios [4] - Selecting funds based solely on past year performance is discouraged, as market conditions can change, affecting future performance [5] - It is essential to consider the investment style and strategy of fund managers, as well as the overall strength of the fund company [5] Group 3 - To gather more information about fund products, reading the fund's prospectus is recommended, focusing on sections like investment goals, strategies, and asset allocation [6] - The investment section of the prospectus is crucial, as it outlines the fund's objectives and strategies, which vary between passive and active funds [6]