Among them, more than half of active equity funds hit a record high since the 20 15 year high.
The phenomenon that the fund outperforms the high point of Shanghai Stock Exchange Index shows that the professionalism of institutional investors in the market is improving, the right to speak of professional investment institutions is rising, and the pricing of stocks tends to be more rational. As a result, many investors were attracted by the money-making effect of the market and began to buy and sell funds frequently to make a profit. The slogan that stocks are not as good as buying funds has also become popular.
The newly issued funds of many well-known fund companies are highly sought after by market funds. For example, in July, the newly launched Southern Core Growth Hybrid Fund and Huaan Juyou Select received 38.6 billion yuan and 30 billion yuan respectively. In this swarming buying army, post-90s investors, as the main force, account for a large part.
Background analysis of becoming the main force of fund investment after 1990 s, this generation grew up in the wave of mobile internet era, enjoyed the convenience of mobile internet, and learned the way of investing through the network, which is convenient and saves time. The post-90s generation has gradually stepped into the 30 mark, accumulated wealth has gradually increased, and more and more attention has been paid to investment and financial management. The investment threshold of the fund is not high, and it is also a good investment choice for the post-90 s generation with mortgage and car loan pressure.
Personally, investment and financial management is a good thing, but after 90, we must make our own investment plans and make clear our investment goals and strategies. We should not be too enthusiastic and be digested by the capital market.
The fund market fluctuates little, the handling fee is high and the daily trading income is meager. The fluctuation range of fund market is smaller than that of stock market. After all, it is a basket of stocks, which spreads risks and reduces returns. But at the same time, the fund's handling fee is much higher than that of stock investment.
As investors entrust fund managers to provide investment advice and conduct trading operations on their behalf, these service fees are shared equally among the fund subscription and redemption fees, and the handling fee for short-term transactions (such as buying and selling within 7 days) is about 1.5%, which means that the investment income of the fund needs to reach more than 1.5% before investors can make profits.
Therefore, compared with direct investment in stocks, funds are more suitable for long-term investment, relying on the professionalism of investment managers to obtain long-term stable returns, and short-term transactions cannot obtain higher investment returns.
First, scientific investment advice for buying funds suggests that investors, no matter what age level, should minimize the operation of subscription and redemption. On the one hand, the fund purchase and redemption rate is high, on the other hand, there is uncertainty in the fund's rise and fall. Day trading is easy to chase high, unable to obtain high returns, and also increases transaction costs for no reason. According to statistics, although the bull market in the A-share market is not long, in the long run, most actively managed equity funds can still outperform the index and make money. It is normal for the market to fluctuate. Fund investment is forbidden to make quick money by short-sightedness, but long-term holding gains are considerable.
Second, learn to allocate several different types of funds. This is still a question of risk control. Like stocks, the risk level of funds is quite different. Fixed-income funds such as debt-based funds and goods-based funds have stable but low returns, while equity funds have high risks but high returns. Each type of fund has certain allocation value, so investors should pay attention to balanced allocation when making daily allocation choices to effectively reduce the volatility of asset portfolio.
Thirdly, for the post-90s generation who invest part-time, a stable and long-term fixed investment method is recommended. As long as the funds invested in each period are set in advance, the funds can be automatically invested in the fixed investment account every month, thus forming the habit of investors' regular investment, helping investors to share the investment cost and obtain good total income from fixed investment.
Generally speaking, the fund market and the stock market are essentially different. The fund market is not suitable for excessive short-term operation, and frequent speculation of funds is not high in income, risky and uneconomical.