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How to invest in funds correctly?
Many investors often ask me how the fund is, whether it is suitable for subscription or conversion! I am always dissatisfied with the fund income I hold, but I am afraid of wolves and tigers in the process of fund selection, and I am at a loss. So what is the right posture to choose a fund?

First, it is suitable.

This is the most important point. In 20 17, the regulatory authorities issued the Measures for the Management of Investor Suitability, aiming at selling suitable wealth management products to suitable investors. What is the right product? What is the right investor? Simply put, it is a product that matches its own risk tolerance. Don't just watch the thief eat meat instead of watching the thief get beaten. Many investors are not satisfied with its annualized rate of return above 10%. Maybe it's not that they are dissatisfied. People have to die than people, and goods have to be thrown away. In contrast, funds with an annualized rate of return of 60% to 70% are tempted at once and feel that the product income they invest in is too low! Indeed, in the face of such temptation, how many people who pursue wealth are unmoved? But I must ask myself, what is my expected return? What is my risk tolerance? If you can take high risks, you can choose products with large fluctuations. If you only see high returns, and your risk tolerance is not so high, I suggest you think twice before you act. Only customers who have experienced dozens of losses know their true bottom line of risk tolerance! Because I asked an investor what the maximum loss ratio he could tolerate, many people told me it was 50%! Newborn calves are not afraid of tigers, and ignorance is true! Whenever I hear such an answer, I can only say, advise him to pay attention to risks and make an investor risk assessment carefully before investing, because it is completely different from the feeling of really losing 50%, and such risks are not affordable for everyone, whether psychologically or economically.

Second, don't hurt.

Western medicine has a very important principle: "Do no harm". This is also a very important principle in financial investment. "No harm" can be understood as trying to ensure that the principal is not lost. But don't invest in high-risk and high-yield products, and be rational in the investment process. Do enough research and analysis before investing, and on the basis of choosing products that suit you, choose products with good historical performance and choose the best, but note that none of us can guarantee that the funds we invest in are the best every year, ranking first, and investment psychology is very important. What we want to invest is by no means the best performance in the short term. Investment is a long-distance race. What we want to choose is to rank better every year, but it is by no means the first year. If a fund ranks in the top 20% every year, then this fund is a good product with sustained growth in performance, and choosing such a product is generally for a high probability of profit.

Third, understanding.

Be sure to fully understand your own funds. Funds can be divided into monetary type, bond type (pure debt and secondary debt, and secondary debt funds generally do not invest more than 20% in stocks except bonds, with higher returns than pure debt (primary debt) but higher risks), mixed type and stock type. Risks and benefits are increasing in turn.

In addition, different funds have different investment scopes, some of which are not stipulated in the fund contract. For example, a new fund is generally a hybrid fund. In 20 17, the new foundation has a profit of more than 10%, which is lower than the general mixed fund, but the income is relatively low. The common target risk-oriented products in hybrid funds will control the volatility. For example, the risk is controlled within 10%, and it is rarely well controlled from net value 1 yuan to 0.9 yuan, but it is not completely guaranteed, but the target is controlled within 10%. Because this kind of product requires low volatility, the income is not particularly high. There are also some hybrid fund stocks with a minimum position of 60%, which is slightly higher than the flexible stock position risk of 0-95%. Therefore, before investing, you must fully read the fund contract or prospectus, especially the performance comparison benchmark in the fund introduction. The level of general performance benchmark can provide a glimpse of the positioning of fund income.

Fourth, judge the situation.

No matter how good the fund is, there are investors who lose money, and no matter how bad the fund is, there are investors who make profits. Fund profit does not represent personal profit, and fund loss does not represent personal loss. Everyone buys at a different cost, which leads to the difference in profit and loss. For example, when a fund is issued, its net value is 1 yuan, and after half a year, its net value is 1.5 yuan. The investment income of investors subscribing 1 yuan is 50%, regardless of subscription rate or redemption rate. If an investor sees that this fund is performing well, he will buy it when its net value is 1.5 yuan, and the market will plummet soon after buying. It fell to 1.2 yuan, so investors who bought in 1.5 yuan lost about 20%, so be careful to buy at a high level when choosing funds. Most people lose money because they buy at a high level! What is an adequate safety mat? Provide enough safety mats at low prices! So buy according to market conditions! Why are most investors easy to buy at a high level and become a taker? Because it is not convenient for marketing and publicity when the performance of the fund is not improving, such a fund has not been recognized by investors! Most of them are marketing campaigns when the performance has improved greatly. Investors buy at such a high rate of return regardless of the market environment, and it is easy to become a platter! There is an old saying in China: "Do what you don't do, and do what you don't do." When everyone sees that it is possible to make money, that is, when the risk comes, it is best not to intervene at this time. If you get involved, unless you run fast enough, most of you will lose. Investors who have experienced the big and super-plunge in the past few years, 0708, 15 16, must have a deep understanding. In Warren Buffett's words, "greed is the fear when others are greedy, and it is the greed when others are afraid."

Fifth, mentality.

The money invested must be idle money. Never put living expenses or urgent money into investment, especially high-risk products. For ordinary investors, leverage should never be broken. Without constant wealth, there is no perseverance. It is very dangerous to borrow money to invest with leverage. Once there is a shortage of funds, even if it wins at dawn, leveraged funds can't wait until dawn. Just now the cloud said that they will die today and tomorrow, but only later will they be beautiful. But how many people will there be What if there is a loss? Investment does not always win, general. Before learning to really invest, it is a good thing to lose a little money, so as to produce pain points and reflect on progress. If there is a loss, don't day trading for a short time unless the selected fund really doesn't work. Fund subscription or redemption costs are high and uneconomical. If a fund's long-term historical performance is good, it is only because the market adjustment has caused temporary losses. As long as you get through the winter, you can wait until the spring blossoms, and you can wait until the summer is flourishing and the autumn is fruitful. Therefore, in order not to stand in the wrong team from the beginning and choose to miss it, try not to invest in new funds, that is, funds that are being issued, unless the market conditions and fund managers are good. Funds should try to choose old funds. Funds that have been operating for many years and have good performance can look at the average annualized rate of return since its establishment this year, nearly one year, nearly two years, nearly three years and nearly five years. Based on the above data, you can choose a fund with excellent long-distance running performance.