2.1亿基民盈利！三大行为改善盈利体验：分散配置、合理持有、优选产品

Group 1 - The core viewpoint is that the A-share market's upward trend has led to a significant recovery in the performance of active equity funds, with 90% of funds exceeding last year's net value [1][3] - As of September 12, the CSI 300 index has risen by 15.2% this year, with over 80% of active equity funds outperforming the market, achieving an average return of 28.03% [3] - The "Ant Financial Gold Selection" equity fund has an average return of 29.75% this year, outperforming the benchmark index for similar funds [3] Group 2 - More than 80% of investors in equity funds on the Ant Financial platform have achieved profitability, with an average return of 12% for their holdings [3] - The probability of positive returns for the Gold Selection equity fund holders is 17% higher than that of non-Gold Selection fund holders, with a 7.8% higher holding return rate [3] - The performance of active equity funds is attributed to both the overall market recovery and the ability of fund managers to generate excess returns [3] Group 3 - Three investment behaviors have significantly improved profitability for investors: diversified allocation, reasonable holding, and product selection [4] - Investors who effectively manage stock-bond allocation have better overall experiences and more stable long-term returns compared to those holding single products [4] - Historical data shows that a classic stock-bond combination of 20% stock funds and 80% bond funds yielded an 11.85% return with a maximum drawdown of -5.04% from April 2019 to February 2022 [5] Group 4 - Regular investment strategies like dollar-cost averaging can effectively smooth out market volatility, with users who adhere to these strategies having a 17% higher probability of profitability [5] - The choice of investment products directly impacts the holding experience, with long-term stable products generally providing better returns than chasing annual "champion funds" [6] - Since 2019, the Gold Selection equity fund has achieved a return of 124.41%, compared to 95.86% for those who consistently bought "champion funds" [6]