Recently, the hot spots in the market have switched rapidly, but the leading stocks have been hitting new highs. After the publication of the annual report, the market may enter the stage of stock selection. If you don't grasp the rhythm well, "borrowing base layout" is also a good investment method.
In the first week of 20021,many "daylight foundations" appeared, and the accumulated amount raised exceeded10 billion yuan. It can be seen that more and more investors favor this way of financial management and asset allocation.
Fund classification 1
According to the transaction mode, it can be divided into open-end funds and closed-end funds.
Open-end fund: There is no fixed scale, and investors can purchase and redeem it at any time.
Closed-end fund: the scale is fixed within the specified period, and investors cannot purchase and redeem it at any time.
Fund classification 2
According to the different investment types and methods, funds can also be divided into stock funds, bond funds, currency funds and index funds.
Money fund: a fund that specializes in investing in money market instruments with low risk and good liquidity. Some money funds can achieve T+0 arrival.
Stock, bond and hybrid funds: Most of them are actively managed funds, and their performance depends more on the fund management ability of fund managers.
Index fund: passive fund, whose main goal is to copy the index, is also the most respected fund type of Warren Buffett. He has repeatedly recommended index funds in public.
Which is better, active fund or passive fund?
Active funds such as partial stock funds and hybrid funds mainly aim at pursuing excess benchmark returns. Many hybrid funds have lower minimum position requirements, and such funds are more dominant in volatile market or unilateral adjustment market.
Passive funds, also known as index funds, simply understand that the index will go up when it goes up. Completely copy the index, not affected by human emotions, and the lowest bit is much higher than the active bit. Therefore, it has more advantages in the process of unilateral market rise.
Know your investment goals
According to their own investment expectations and risk assessment results, to choose investment funds, generally consider the following situations:
A, conservative: low risk, suitable for money funds, the goal is to outperform the deposit interest rate.
B, robust: low risk, suitable for bond funds and money funds, suitable for the allocation of hybrid funds;
C. Positive type: medium and high risk, suitable for hybrid funds, bond funds and monetary funds, and able to bear certain losses;
D. enterprising: high risk, suitable for stock funds and index funds, pursuing high returns and being able to bear the risk of loss.
The fund is risky and needs to be cautious in investment, for reference only!
Choose a good fund company
Generally speaking, the bigger the fund company, the stronger the research strength of the investment research team. The investment performance of a fund manager depends largely on the investment and research team.
The rating agencies of fund companies rank fund companies every year. Investors can pay attention to the ranking of fund companies in the past 3-5 years and give priority to the top ten fund companies.
Choose a good fund manager
A good fund manager should not only have a unique vision, but also have the ability of continuous long-distance running, because investment has never been "getting rich overnight" or "once and for all".
As an ordinary investor, you can look at the past performance of fund managers' products, such as product withdrawal, cumulative net value increase, etc., and look for outstanding fund managers who suit their own style.