为什么你开了基金超市，还是不赚钱？

Group 1 - The article discusses the concept of "naïve diversification" in investment, where investors believe that simply holding a variety of funds will effectively reduce risk, but this approach often leads to no real risk reduction and increased transaction costs [11][12]. - It highlights the importance of understanding the correlation between different assets, as true diversification requires selecting assets that do not move in tandem, based on the principles established by Harry Markowitz's Modern Portfolio Theory [14][18]. - The article emphasizes that holding a limited number of assets, particularly from different asset classes, can achieve better diversification than holding many similar assets within the same class [19][25]. Group 2 - It outlines a structured approach to building a fund portfolio, which includes setting long-term financial goals, assessing financial resources, understanding risk tolerance, and creating an asset allocation plan [30][31]. - The article introduces the "three-part method" by Xueqiu, which focuses on long-term investment and asset allocation to diversify risks and sources of returns [32].