The risk of falling is high.
202 1 Do you want to buy a fund? Bian Xiao suggested investing as little as possible. This year's market is either plummeting or skyrocketing, which is very risky.
According to the report, many people choose "investment" in the use and distribution of year-end awards. 56.8% people choose to use the year-end bonus to invest in fixed-income wealth management products such as treasury bonds, bank sound wealth management products, bond funds and money funds; 50.3% people choose to directly invest in stocks or equity wealth management products such as hybrid funds and equity funds.
Many fund companies also aim at investors' year-end awards. After the Spring Festival, 57 new funds were issued before the end of the month. Among them, 1 1 only one new fund will be issued on Thursday 18, and four new funds will be issued on Thursday 19.
The financial manager of a joint-stock bank in Guangzhou told reporters that in recent years, the main reason why funds stand out in investment and financial management is that Public Offering of Fund has brought rich returns to investors in the past two years.
According to the data of Tian Tian Fund, in 2020, 98.2% of the funds in the whole market will be profitable, and the average increase of stock funds will reach 42. 15%. Only 34 partial stock hybrid funds have doubled their annual performance (different shares are calculated separately). Compared with the bank wealth management products, the yield is generally less than 4% and the bank deposit interest rate is lower. The money-making effect of stock funds has greatly stimulated the enthusiasm of investors, and "funds" have repeatedly appeared on the hot search list.
Cold: interest rates are falling, and bank wealth management is turning to net worth products.
Compared with funds, the popularity of bank wealth management products has really cooled a lot recently, and "holiday-specific wealth management" products have been hard to see.
According to the latest data of Puyi Standard, under the holiday effect, the circulation of wealth management products did not increase significantly, and the weekly circulation in recent January was relatively stable, with little fluctuation. Nationwide, in the week of February1-February 7, * * new bank wealth management products were issued 1 168 (including closed net worth products, open net worth products and non-net worth products), and the product circulation increased 10. Among them, the average performance benchmark of closed-end net worth products with fixed income was 4. 18%, down 0.0 1 percentage point from last month, and the circulation of mixed products was small. The 130 product was newly released last week.
Tao Jin, deputy director of the Macroeconomic Research Center of Suning Financial Research Institute, said that there may be many reasons why bank wealth management products "disappear". First of all, the interest rate level is in a downward trend, and the yield of wealth management products is also suppressed, which is less attractive and special products will not raise interest rates significantly. Secondly, driven by the new asset management regulations and the transformation of net worth, the main battlefield of bank wealth management business turned to the net worth products of its wealth management subsidiaries.
Correct investment posture 1: Try not to invest in equity assets for short-term funds.
However, a fund lady complained to reporters that she only started investing in funds this year. Last month, the bank staff recommended several funds to her, saying that the income was high, and then she bought four in a row. At this point, the overall positions of these four funds are in a "loss" state.
When the reporter asked if he knew what kind of fund he was investing in and why he was losing money, Miss Xu said it was not clear.
To this end, the aforementioned bank wealth management manager suggested that partial stock funds invest in equity assets such as stocks. Like investing in stocks, the risk of loss is very high, and it is not a steady profit. The source said that although funds are very popular at present, there are indeed many people whose professional knowledge education needs to be strengthened, which requires the joint efforts of fund companies and channels.
And what is the correct posture of investment funds? The director of the Good Buy Fund Research Center once suggested that investors should try not to find theme funds, but to choose funds and fund managers. Before investing in a fund, you must know the style and investment performance of the fund manager. If you invest in equity assets, it is recommended to establish a long-term investment concept. If there is no long-term idle funds, it is recommended not to invest in equity assets as much as possible.
At the same time, although stock funds have skyrocketed for two consecutive years in the previous two years, fund companies and sales channels have been reminding the risks of stock funds recently. 202 1 gradually realize the necessity of reducing the income expectation of the equity market. Alipay financial think tank recently reminded investors that many investors may regard high returns as the normal state, thus ignoring risks. However, at present, the overall valuation of the A-share market has entered a high score range, and the long-term allocation value is still very large, but there is some pressure in the short term. It is necessary to lower the expected return of 202 1 equity market.
Correct investment posture 2: learn to allocate investment reasonably and evenly.
However, the aforementioned bank wealth management manager pointed out that in fact, the risk of funds is not the same as that of bank wealth management products. For some conservative investors, bank financing is still a good haven.
Miss Wang, born in 1980s, told reporters that she would spend most of the money available for investment on wealth management products, and the rest on funds and current wealth management. "Although the fund has performed well, the risk of loss is still much greater than that of bank wealth management products. I can accept earning less, but I can't accept losing money. " Miss Wang said with a smile.
In this regard, the aforementioned financial manager suggested that investors should invest rationally and allocate assets in a reasonable and balanced manner according to their actual situation. Investment and financial management should "not put eggs in the same basket", and relatively stable low-risk and low-yield products and high-risk and high-yield products can be selectively configured.
The person further added that if investors want to get some income while maintaining high liquidity, they can consider choosing money funds or T+0 banks for current wealth management, with a yield of 2% to 4%, which is both profitable and liquid.