Overseas funds, as the name implies, are invested by overseas investors, also called offshore funds, through which the state earns various benefits and gains. At present, it can be divided into two categories: overseas investment of private equity funds and overseas investment of Public Offering of Fund. What are the problems of overseas funds in China? Next, let me explain what overseas funds are introduced in China.
Brief introduction of overseas funds in China
China Overseas Investment Fund mainly includes the following contents:
E Fund Blue Chip Select Mix (005827),
Guangfa Shanghai-Hong Kong Shenzhen New Starting Point Stock A(002 12 1),
Guangfa Hong Kong Stock Connect Growth Selected Stock A(009896),
Guangfa Hong Kong Stock Connect Growth Selected Stock C(009897),
Rich country Shanghai and Shenzhen performance-driven hybrid A(005847),
Qianhai open source, Shanghai-Hong Kong deep advantage, selected mixed A(00 1875),
Qianhai Kaiyuan Shanghai-Hong Kong Deep Blue Selected Mix A(00 1837),
Hua 'an and Shanghai-Hong Kong have the opportunity to flexibly configure the mixture (004263).
Types and selection of overseas funds
1. Equity fund
Equity funds account for 42% of the global fund scale, and are the largest faction in the investment field, with high returns and high risks.
Unlike domestic equity funds that only allocate A shares, overseas equity funds cover most countries and regions in the world, including global investment, investment in a certain region or a single country, and various theme funds.
2. Bond funds
Bond funds account for 23% of the global fund scale, and they often match with equity funds to form an asset allocation portfolio.
There are many kinds of overseas bond funds, including high-yield bonds, treasury inflation-protected securities and other fields where domestic debt bases rarely set foot, which brings more choices to investors.
3. Monetary funds
Monetary fund is a good cash management tool. The classification of overseas monetary funds is slightly different from that of domestic monetary funds. For example, American money funds can be divided into taxable and tax-free types, which invest in short-term national debt and commercial paper respectively, as well as short-term securities exempted by local governments.
Although overseas fund money is not as good as domestic income, it is still a better choice than bank deposits with low interest rates.
4. Commodity funds
Commodity funds invest in commodities such as commodities, precious metals and agricultural products, which also have high returns and high risks.
Unlike domestic commodity funds, which mostly invest in commodity-related stocks, overseas commodity funds actually hold futures contracts with related targets, so they are more in line with the trend of commodity prices.
Commodity fund is a good helper to diversify investment. The correlation with other fund categories is low, and the price fluctuates frequently, which can smooth the portfolio income well.
5. Real estate funds
Real estate funds do not buy houses or land with investors' money, but invest in REITs (real estate investment trusts) products.
Real estate investment trusts invest their funds in different types of real estate, such as businesses and hotels. Real estate fund has low threshold, high dividend ratio and good liquidity, which is a good way for small and medium investors to invest in real estate indirectly.
In addition, due to the low correlation with the stock and bond markets, the portfolio can be optimized after allocation. But if you really want to understand the true meaning of real estate fund investment, you need to master real estate knowledge and macroeconomic situation at the same time, otherwise it is not without risks.
6. Funds allocated
Allocating funds can be understood as "matching funds between stocks and bonds". Excellent allocation fund managers can dynamically adjust the allocation ratio of different categories and fields such as stocks, bonds, developed markets and emerging markets according to their own understanding of macro and market.
What are the overseas funds in China?
Generally speaking, in China's fund market, the most direct way to invest in overseas stocks is QDII fund and some funds of HKEx. So a considerable number of QDII funds can be invested.
For example, E&P Bio, Cathay Pacific Commodities, Guangfa Dow Jones Petroleum Index RMB A, Shangtou Morgan Japan Stock, Harvest Global Internet Stock RMB, Penghua Hong Kong-US Internet Stock RMB, E Fund Nasdaq 100 RMB, ICBC Global Stock, Shangtou Morgan Global Diversified Allocation RMB, Huaan Nasdaq 100 Index and so on.
So, how to find an overseas equity fund that suits your risk preference, favorite investment strategy and favorite fund manager? Next, Xi Cai Jun will tell you about it.
Generally, domestic QDII funds only need to choose the fund ranking on the third-party fund sales network, and click QDII funds on the page to view the specific information of the fund.
Everyone can make their own choices according to the market performance of the investment target, the strategy and allocation ability of the fund manager.
What is an overseas investment fund?
Friends may be unfamiliar with overseas investment funds. The following small series will give you a brief introduction. Overseas investment funds refer to overseas investors, and the investment direction is generally domestic investment portfolio. The function of overseas investment fund financing is to aggregate idle funds in society and keep them together for a long time, which is quite beneficial to financiers. In addition, prudent management is the general investment strategy of investment funds, so investment funds are also quite conducive to the stability and development of the capital market. The same characteristics of overseas investment funds are that they are mainly open, listed and sold, and pursue growth, which is conducive to enterprises with sustained profitability and high growth potential to obtain funds and develop rapidly. In addition, investment funds can't participate in the operation and management of the invested enterprise, which avoids the disadvantages of imbalance of interests between investors and financiers, loss of assets of financiers and loss of control rights.
What are the overseas funds?
With the development of internationalization, more and more investors have the need to allocate overseas assets. Today, Bian Xiao will introduce overseas funds to you. Overseas funds are as diverse as domestic investment funds. At present, domestic channels can be divided into three types:
1. QDII funds launched by major domestic banks can be invested, most of which are selected global stocks, with growth accounting for the majority and high risks. There are also index funds to consider, but most of them have been established for a short time;
2. You can register overseas securities accounts, such as Internet brokers such as First FirstTrade and InteractiveBrokers, and account management is very convenient;
3. You can indirectly invest in overseas funds by purchasing Sunshine Private Equity Fund which invests overseas. The purchase method is the same as that of domestic fund products, and it is also divided into two modes: full investment and fixed investment. In addition, as far as the rate is concerned, the subscription fee for purchasing overseas funds will be more expensive than that of domestic funds, but the management fee is not much different from that of domestic funds. Generally speaking, equity funds are higher, while bond funds and monetary funds are lower. Considering the liquidity, it depends on whether investors will keep their funds overseas or at home after redemption. If they stay overseas, there is little difference between liquidity and domestic funds. However, if they repatriate their funds after redemption, the speed will be slower because it involves foreign currency exchange.
How to invest in private equity funds?
Today, Bian Xiao tells you how to invest in private equity funds. To invest in private equity funds, we must first choose the purchase channels of private equity funds. Common purchase channels include fund managers' self-sales, brokerage sales, third-party platform sales and bank sales channels. The general steps for investors to buy private equity funds are as follows: step one, to confirm specific targets, it is generally necessary to fill in questionnaires to let investors know their risk identification and risk-taking ability, and make written commitments that meet the requirements of qualified investment; Step 2: Participate in the product promotion meeting, properly participate in the product recommendation meeting, and select the matching products according to their own capabilities with the help of the organization; The third step is to sign the risk disclosure. Investors should be clear about the risks (such as special risks and general risks) and their own rights and interests of the selected products. This step is a bit cumbersome. To confirm the terms sentence by sentence, the relevant parties (investors, fund-raising institutions and managers) need to sign and seal; The fourth step is to provide proof of assets or income. Individual investors have financial assets of not less than 3 million or personal income of not less than 500,000 in the last three years, so as to confirm that they are qualified investors, and also make it clear that they are buying products by themselves and will not split up; The fifth step is to sign a contract and make a payment. At this moment, you should be clear about the authenticity of cooperation information, the risks of products, and absolutely qualified investors; Step 6: Investment cooling-off period. After signing the contract, there will be a cooling-off period of not less than 24 hours. Sometimes, investing may be a hot head. During this cooling-off period, investors can terminate the contract, and fundraising institutions cannot contact investors actively. Step 7: Pay a return visit to confirm. After the cooling-off period of investment has passed, non-sales personnel of institutions need to pay a return visit to confirm investors and check the core information of investors one by one. If the investor knows nothing, he can also terminate the contract.