What do beginners need to learn to buy funds? There are so many funds, fund companies and fund types in the market. What kind of fund has high risk and what kind of fund has high income are all things that everyone should understand, but how to invest to make money has been puzzling investors. Today, Bian Xiao will tell you the knowledge of novice fund purchase.
Fund type
According to their own investment expectations and risk assessment results, to choose investment funds, generally consider the following situations:
A, conservative: low risk, recommend money funds, aiming at outperforming the deposit interest rate. IMF pays attention to cash treasure.
B. Steady type: the risk is medium and low. It is suggested to combine bond funds and monetary funds, and appropriately allocate mixed funds to outperform inflation;
C. Positive: The risk is medium and high. It is recommended to combine stock funds, hybrid funds, bond funds and monetary funds to bear certain losses;
D. Aggressive type: high risk, index type, stock type and futures type are recommended. Expect high returns to bear the risk of loss.
Of course, the above classification is not absolute. For example, if you invest 6,543,800 yuan, you can invest 60,000 yuan in monetary funds, 20,000 yuan in bond funds, and 20,000 yuan in stocks or mixed funds.
When the market is in a volatile period, investors can spread risks through the fund portfolio.
Past performance of the fund
What do beginners need to learn to buy funds? It is very necessary for investors to know the past performance of the fund, just like observing the exam results to judge the Excellence of a student. The past performance of the fund shows the profitability of the fund to a certain extent. Although the test score is not the best indicator, it is the most real and available indicator, and so is the fund. It should be noted that the past performance of the fund should be compared with the same type of fund, otherwise the comparison between "apples and pears" is meaningless. For example, stock funds should be compared with stock funds, but money market funds should not be compared with stock funds. At the same time, we should also pay attention to the fact that we should not only compare the returns of funds, but also pay attention to how much risks the funds bear while making money. If there are two funds with similar returns, it is recommended to choose the fund with relatively small fluctuations and little risk.
fund manager
What do beginners need to learn to buy funds? When choosing a fund, investors should not only know the historical benefits and risks of the fund, but also know who manages the fund, that is, the role of the fund manager in managing the portfolio. Fund managers hold the investment power, decide the variety and time of buying and selling, and play a decisive role in performance. Fund managers' own investment ideas and ideas have a far-reaching impact on the operation of funds.
How to pay attention to such a key figure Suggestions can be made from several aspects. First of all, we can start with the past performance of fund managers. This is relatively easy to obtain data, which can reflect their overall strength and investment style. The more these data, the longer the span, the more telling the problem. Secondly, look at the experience of fund managers. If the fund manager has done in-depth fundamental research and experienced the bull-bear transition in the post-investment market, such experience is beneficial to the fund manager to manage the fund. Finally, we should care about the professional ethics of fund managers. Why should we pay attention to this? Because investors actually buy the investment services of fund managers, who are entrusted by investors to help investors manage their finances. Trust is the most important thing in this relationship. If the fund manager can't trust him, what can he trust? Therefore, investors should be concerned about whether the fund managers they rely on have been punished by the regulatory authorities and so on.
Fund position structure
What do beginners need to learn to buy funds? Fund is essentially a financial service provided by fund companies to investors, but this service is expressed in the form of portfolio, because funds also want to buy stocks and bonds. Then through the fund's investment portfolio, we can see many characteristics of the fund's investment style. For example, through some statistical methods, we can distinguish whether a fund holds large-cap value stocks or prefers small-cap growth stocks. From the change of portfolio, we can see that the characteristics of the fund in daily operation, such as position weight, shareholding concentration and asset turnover rate, can reflect the investment style of the fund. Of course, the more direct method is to list the top ten awkward stocks of the fund and judge them one by one, and judge the recent performance of the fund from the potential of these stocks.
abstract
What do beginners need to learn to buy funds? After selecting a fund through the above aspects, it depends on whether the fund is suitable for you, and whether the investment objectives, investment targets and risk levels of the fund are consistent with your own goals. In fund investment, there is no best, only the most suitable, investors need to keep in mind. In addition, buying a fund does not mean that you can sit back and relax. Financial management still needs regular attention, but it does not need to be frequent. Combine the quarterly report of the fund every quarter and make a comprehensive analysis of the performance of the fund before deciding whether to operate the fund.