Keep up with hot spots
I still remember telling you in last year's summary that foreseeing and grasping hot products, hot industries and sectors is an important reason why we can get a certain expected annualized expected return in the early stage of firm offer.
Let's talk about products first. "There are explosions in the Jiangshan generation, each leading the way for a while", which is a sentence that Niu Er often hangs on his lips. The reason why the explosion can become an explosion is not unrelated to the overall environment, the design of the product itself and its excellent performance. For example, the fixed-income fund made a small profit from the firm offer, which was definitely one of the most popular products last year.
Niu Er bought such funds as early as last March when he entered the market. It was not until the second half of last year that many public offerings began to issue fixed-income products. It can be said that the timing is quite early. Of course, the performance of several bases later did not disappoint me.
So, what are the hot products worthy of attention this year? For the second cow, FOF is definitely the best choice. If one of the reasons why individual investors bought funds in the past was that it was too risky to invest in individual stocks directly and the funds were managed by professionals, then the emergence of FOF can better combine a large number of funds with different styles in the market, which seems to be more in line with the concept of "asset allocation". According to the information released by the regulatory authorities, more than 20 FOF funds have been accepted. Because it is an ordinary channel, the release time is estimated to be in the middle of the year. I suggest you pay close attention.
Let's talk about hot industries and themes. Previously, Teacher Niu Mei (micro-signal: buerniu5 188) specially introduced four themes to everyone and selected some excellent funds. Niu Er will talk about her thoughts based on her own observations here.
First of all, the strong theme of state-owned enterprise reform since 20 17 definitely deserves special attention and proper layout. There are also many related theme funds. When you choose, you should focus on whether the investment scope of such funds is "pure", that is, whether the investment target is consistent with the theme. If it is, it will be selected in combination with performance and fund size, at least the general direction will not be wrong. It also depends on the performance of several years, one year, three years and since its establishment, and chooses the one with higher comprehensive score.
In addition, Shanghai-Hong Kong-Shenzhen, environmental protection, medical care, high-end manufacturing, PPP, consumer electronics and other topics deserve investors' attention. The selection method of specific funds is the same as above.
Make a good configuration
Although the FOF fund is a good way to allocate assets, we can still allocate assets in other ways before the new foundation is formally established. I want to reiterate here that although Niuer has not been listed for a long time, the most important thing I have learned this year is configuration. Buying stocks is different from trading stocks. Shareholders buy stocks, but they can't do the allocation if they want to. But funds are different, and any portfolio with risk preference can be done. This advantage must not be wasted.
Let friends know that our firm allocation this year will still focus on equity assets, which also represents our views on the market. The A-share market is still in a serious stage of "28 differentiation", and everyone is waiting for a reversal. In addition, many institutional investors are also very optimistic about the 20 17 market, and the performance of equity assets is worth looking forward to.
At present, the firm offer is still at a loss, but Niu Er has always been confident that with the improvement of the stock market, we will be able to turn the situation around. It is worth mentioning that teacher Niu Mei said that once the expected annualized expected income is realized, we will start to reduce our positions, which is also a core operation idea of configuration: flexible adjustment. I was in a hurry to sell all the money funds and buy all the fixed funds, which made me very passive now. Niu Er has a deep understanding of this. Therefore, I quite agree with Teacher Niu Mei's advice.
Whether investing or doing other things, don't forget to leave a safety mat for yourself at any time.
In addition to focusing on the allocation of equity assets, the allocation of other assets can not be less. During the Spring Festival holiday, US stocks pulled back, gold rose sharply, and the unrest in overseas markets also worried investors whether it would affect me. Niu Er believes that it is better to make a good distribution in advance than to worry. Gold products should come a little, and fixed-income products such as goods base and debt base should of course come some, so it may be easier to face changes.
For example, such a fund portfolio belongs to the medium risk coefficient: 30% stock base +30% mixed fund +20% gold product +20% fixed income product (debt base or goods base). For reference only.
Niu Er has heard before that 80% ~ 90% of the expected annualized return of the fund portfolio comes from asset allocation, which means that the core competitiveness of the fund portfolio is still in asset allocation ability, whether it is institutional or individual investors. Therefore, the investment base must have a sense of allocation in order to maximize the power of this investment tool.
Guard against risks
I said before that asset allocation is the connotation of fund investment. One of the important reasons why people want to configure is to play a hedging role and prevent risks.
Three years later, it just started to operate, and some online celebrities have begun to tell everyone that "A shares may have big surprises" and "Shanghai Composite Index is expected to rise to 4,000 points". Hearing this, the more flustered Niu Er is, the more she can't help but check whether her risk prevention and control is done well. The importance of risk prevention is believed to be needless to say. Here I want to focus on how to look at it and how to do it.
Firstly, the research report of a domestic brokerage team is borrowed. First of all, we should pay attention to the negative impact of overseas risk appetite and liquidity expectation, because many factors have not been fully reflected in the A-share market; Secondly, it is necessary to observe whether the domestic liquidity is tighter than expected after the Spring Festival; Third, the scale of lifting the ban on the A-share market in February exceeded 280 billion yuan, and the team predicted that the pace and scale of IPO issuance would not slow down significantly.
In specific operations, how to avoid some obvious "pits" of fund investment? Wang Qunhang (blog, Weibo), deputy general manager of Ji 'an Jin Xin, suggested that 20 17: 1 avoid these funds and stop investing in new funds in principle; 2. Don't invest in graded funds; 3. Do not invest in small and micro funds or shell funds; 4. Don't invest in capital preservation funds.
Niu Er took a look, and many of them were once "explosions" on the market. Now they have encountered some new changes, which are no longer suitable for ordinary investors to buy and try to avoid them. Of course, the number of outsourcing customized funds that Niu Mei and Niu Er paid attention to before is still huge this year, so keep your eyes open when buying. With the advancement of supervision, these funds will have obvious signs in the future and will be more convenient to identify.
Of course, there is also the most common method, which is to control your position, always leave enough space and remain flexible. It's all from experience. I hope I can help you. Well, the investment in the new year has started again. I hope you can make persistent efforts and gain a lot this year.