For many citizens, buying an explosive or popular fund seems to be a trend choice. Many friends who have not participated in equity investment will consider taking advantage of the recent market adjustment to "borrow funds" to enter the market. Bian Xiao sorted out the correct posture for beginners to buy funds for your reference. I hope everyone will gain something in the reading process!

Clear the risk

What kind of investment products to choose is closely related to investors' risk preference. Different investors have different risk tolerance because of different assets, family background and working conditions. Therefore, under the premise of having a clear understanding of your risk preference, it is the first step to choose a fund product that matches your risk tolerance.

According to different risk preferences, investors' risk tolerance is divided into different levels, corresponding to different risk levels of fund products. According to your risk preference, make clear the maximum retracement and annualized volatility you can bear, so as to have a good investment experience.

Select type

Due to different types of funds, their risk-return characteristics are also different. Therefore, when choosing a fund, investors should make clear what kind of fund products they should buy according to their risk tolerance and investment purpose.

Funds that invest in relatively large stocks also bear relatively large investment risks. Investors with strong risk tolerance can choose equity funds; Weak endurance requires careful participation. In addition, investors who need high liquidity can give priority to money funds.

Select products

After determining the appropriate fund type, choosing a "high quality" fund with investment value from this type requires the following two steps:

1. Consideration of management team: company size, company professionals, investment and research strength, etc.

A fund with excellent market performance is often inseparable from the excellent fund companies behind it. Because every fund company has an investment and research department, which specializes in studying the market, listed companies and analyzing industry research reports, their professionalism directly determines the profitability of the company's products.

Therefore, choosing a trustworthy fund company is also a very important part for investment funds, and try to choose a company with strong investment and research ability and less thunder.

2. Investment ability of fund managers: In fact, choosing a fund is ultimately choosing a manager, and choosing an excellent fund manager can often get twice the result with half the effort.

It is also necessary to understand the strength of fund managers: first of all, personal experience of bulls and bears, long working hours is a plus point; Secondly, measure the performance of the fund he manages, the ranking of the same type of fund, and so on; Finally, we can see the fund manager's ability to resist risks by looking at the maximum retracement.

In fact, buying a fund should pay more attention to the investment concept, management ability and so on. Many friends who have not participated in equity investment will consider taking advantage of the recent market adjustment to "borrow funds" to enter the market.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

Remember these steps and cut down on routines. Of course, it doesn't mean that everything will be fine after choosing a good fund through these methods. Investors should adjust flexibly and timely according to their own investment plans, market conditions and fund performance. I hope everyone can invest in the fund smoothly.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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