Several misunderstandings in fund fixed investment in 2021_How to choose a fund manager It has to be said that fund fixed investment is one of the better tools for ordinary people to make investments and financial management. The so-called fund fixed investment refers to investing in a fund regularly. You only need to make sure

The time to start fixed investment, the frequency of fixed investment, and the amount of fixed investment.

Although fixed investment is good, if you are not careful, you will fall into misunderstandings.

Below are several misunderstandings about 2021 fund fixed investment collected by the editor for everyone_How to choose a fund manager.

Hope this helps everyone.

Three major misunderstandings in fund fixed investment 1 In fact, fund fixed investment itself cannot actually avoid market risks, but obtains the average market return by paying time costs. Short-term profits and losses are not the fundamental goal of fixed investment at all.

2. Don’t be afraid not to buy if your net worth is high.

Funds are different from stocks in this regard. Fund companies buy stocks at low prices and sell stocks at high prices. At this time, the net value of the fund also increases accordingly.

3. Fixed investment funds don’t just stick to one fund. There are many types of funds. You need to choose funds with good performance. You can buy 3-5 funds and adjust them according to the market at any time.

Methods for selecting fund managers 1. Look at turnover rate.

A fund manager with a high turnover rate indicates that the fund manager makes hasty decisions and buys and sells at will.

Such fund managers are not trustworthy.

2. Look at the concentration of shareholdings.

A fund manager can cover many stocks at the same time. Only if he studies the company deeply enough can he dare to take a heavy position.

3. Look at the company, which is the underlying assets.

It mainly depends on whether the company is in a good industry, when the fund manager bought it, what the future space is, etc.

4 It also depends on the working status of the fund manager.

The answer to this can be found in public statements or announcements by fund managers.

It mainly depends on whether the fund manager is competitive and motivated.

5 It is also important to select products from leading fund companies.

Because the investment research teams of these companies are more mature, the investment systems are more complete, and the standards for good stocks are more in line with mainstream values, their products have more advantages in comparison.

Turnover rate, shareholding concentration, quality of individual stocks held, and finally whether the fund manager is ambitious.

Once you have mastered this methodology for selecting fund managers, you will be able to use a settled thinking to plan when facing different industry opportunities.

What are the tips for fund fixed investment? 1. Default stop-profit and stop-loss positions.

Before you start a period of fixed investment, you must set the take-profit and stop-loss positions for this investment in advance.

When the profit or loss of the investment reaches a certain level, a partial or full redemption operation is immediately performed.

2Select the dividend reinvestment mode.

The fund's dividend distribution model is divided into two types: cash dividends and dividend reinvestment. If you are making a fixed investment in the fund, it is recommended to choose the dividend reinvestment model, which can better reflect the compound interest effect in fund investment.

3. Distinguish the difference between Class A and Class C funds.

Some funds are divided into two types, Class A and Class C. The essential difference lies in the fees. The longer the holding time of Class C funds, the higher the sales and service fees.

Therefore, for fixed investment in funds, it is best to choose Class A funds.

4. Understand a fund as comprehensively as possible.

For novice investors, you can learn about a fund from the following aspects: the trend of net worth; the ability of the fund manager; and the fund’s positions.

5. Choose a professional and formal platform to purchase funds.

Common platforms such as Alipay, Tiantian Fund, banks, securities firms, fund companies, etc. each have their own advantages.

For novice investors, it is recommended to purchase through a securities firm, where you can get more professional manual services, which will be helpful in selecting funds, buying and selling timing, asset allocation, etc.