Trading days and trading hours
How to treat the market
Fund net value and net value rise and fall
Common fund purchase channels
A and c in the fund name
What do you think of the subscription rate of funds?
Why is it recommended that novices choose a fixed investment?
How does Xiaobai screen high-quality funds?
Trading days and trading hours
What is a trading day ("T Day" for short)
The trading day is what we often say: the stock market opens and closes on holidays and weekends. Speaking of which, I have to envy the broker for not taking a vacation!
A-share trading hours
Trading day: 9: 30 am-11:30 am.
13:00- 15:00 pm
Fund trading time
Funds can be bought and sold at any time, but not immediately.
All operations before 15:00 pm on the trading day shall be subject to the net value of the fund on that day, and transactions after 15:00 shall be subject to the net value of the fund on the next trading day.
For example, if you buy in the morning 10 and 2: 30 pm on the trading day, you will make a deal at the closing price of the day.
How to treat the market
How to treat the market?
The fund is actually a basket of stocks (provided that the stock fund). So it is directly related to the rise and fall of the stock market. We are used to judging the overall performance of the market on that day by the rise and fall of the Shanghai Composite Index.
Shanghai Stock Exchange Index: A market value-weighted index composed of all stocks listed on the Shanghai Stock Exchange. If the Shanghai Composite Index is rising gradually, it can be judged that most stocks in the market are rising.
Fund net value and net value rise and fall
What is the net fund value?
Net value of fund unit = total net assets/fund share
It can be simply understood as the unit price of a share fund, that is, the money you need to pay for buying a share fund.
Net value rise and fall
Net value fluctuation = current net value/previous trading day net value-1
It can be understood that today's net worth is up or down compared with yesterday.
Common fund purchase channels
Bank (mobile APP): Many elderly people like to go to the bank to buy, thinking that the bank is reliable and safe, but we should also pay attention! Bank charges are expensive, generally 1.5% of the subscription fee, and there are few discounts!
Official website, Fund Company: As the fund issuing manager, the fund company has the lowest natural rate. After all, there is no middleman to make the difference. Most fund companies have their own apps, which can be found by directly searching for names in the app Store. Moreover, the introduction of products in official website and app of the fund company is also more detailed.
However, it also has obvious shortcomings, only the funds of its own company, and the general investment often includes the funds of several fund companies, so it is very complicated to operate relatively!
Securities company: As a fund agent, the brokerage fee is not the most favorable, but the brokerage has strict requirements on the access of funds, so the funds for consignment are generally good. Some brokers will give a 10% discount on the fixed investment rate to encourage the funds to be fixed, which is very cost-effective; In addition, brokers also have their unique functions, such as owning securities accounts for hot new bonds, and reverse repurchase of funds and government bonds on the market.
Third-party sales platforms: Finally, there are third-party platforms such as Alipay and WeChat Wealth Management, just like a big supermarket with many commodities. Alipay and Licaitong earn money management fees, so the rate of fund transactions will be relatively low and the operation is simple, which is very suitable for ordinary small white wealth management.
Letters a and c after the fund name
Generally speaking, choose Class A for a long time and Class C for a short time.
A is the front-end charging mode, and the subscription fee is charged once at the time of subscription, which is suitable for long-term investors.
C is a sales service fee model, and there is no charge when subscribing, but the subscription service fee is charged once a year, which is suitable for short-term investors.
What do you think of the subscription rate of funds?
If the holding period of all funds is less than 7 days, the fund company will charge a redemption fee of 1.5%. Therefore, I suggest that you must calculate the number of days to buy when buying and selling funds. Of course, the longer the holding period, the better, so the lower the selling rate of the fund (the specific operating trading rules are available on every fund page).
If you make profits in batches or sell some funds, the first part of the sale is the holding time rate of the first part of the purchase. For the part less than 7 days, the handling fee of 1.5% will be charged for the excess part.
Why is it recommended that novices choose a fixed investment?
1, the fixed investment threshold is low, and it is easy to understand and get started.
2. Avoid the pressure of managing time and market sentiment.
3. Form the concept of financial management, every little makes a mickle, and insist on fixed investment for a long time. It is generally recommended to choose weekly investment/monthly investment for fixed investment, and the monthly fixed investment amount generally does not exceed 65,438+00% of monthly income. If the expected income target is achieved, you can take profit in batches of 15%-20%.
How does Xiaobai screen high-quality funds?
The following are some reference indicators:
1, the fund size is more than 200 million, which is too small to be easily liquidated.
2. The working experience of the fund manager shall be at least 5 years.
3. The annualized rate of return of the fund is above 15%.
4. Is the fund's rate of return in the past three to five years directly proportional?
5. Morningstar has a rating of more than 3 stars.
6. The Fund has been established for at least 5 years.
7, sharp ratio should be greater than 2, the higher the better.
8. The maximum withdrawal rate should be less than 20%.
It is for reference only and does not constitute any investment advice.
Investment is risky, so be cautious when entering the market.