三大行为改善投资体验，今年超八成基民投资权益基金盈利

Core Insights - 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] - Over 2.15 billion investors have achieved cumulative profits, excluding the returns from Yu'ebao, covering both active equity and passive index funds [1] Group 1: Fund Performance - More than 80% of equity fund investors have made profits this year, driven by the rise in the A-share market, with an average return of 28.03% for active equity funds [3] - As of September 12, the CSI 300 index has increased by 15.2% this year, with 80% of active equity funds outperforming the market [3] - The "Ant Financial Gold Selection" equity fund has an average return of 29.75%, surpassing the performance of the benchmark index [3] Group 2: Investment Behavior - Three key investment behaviors have significantly improved profitability for investors: diversified allocation, reasonable holding, and product selection [6] - Investors who effectively manage stock-bond allocation have a 6% higher probability of profit compared to those holding single assets [6] - 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 [6] Group 3: Product Selection - The choice of investment products directly impacts the holding experience, with long-term stable products generally providing better returns than chasing annual "champion funds" [7] - Since 2019, the "Gold Selection" equity fund has achieved a return of 124.41%, compared to 95.86% for those who bought "champion funds" annually [7] - Investors should focus on the stability of excess returns, consistency in investment style, and stable management scale when selecting products [7]