Fund Skills _ Collection of Fund Speculation Methods _ Industry Information-Love Money ">
The fund doesn't sell on Thursday and doesn't buy on Friday, which is a misunderstanding of investment. The fund has achieved satisfactory returns and can be sold on any day of the week; Funds with outstanding performance can buy on any day of the week.
Fund investment is a long-term process. Long-term investment will infinitely weaken the impact of timing on investment income, while amplifying the contribution of base selection to investment income.
Investors should take the time to choose excellent funds, rather than obsessing about which day to buy and which day to sell. Long-term persistence and holding excellent funds will definitely bring satisfactory returns to investors.
What does the fund formula mean, Thursday is not Friday? Earn more by clever purchase: no purchase on Friday, no redemption on Thursday.
Although the money fund pays dividends every day, investors must also grasp the timing of the purchase and redemption of the money fund, otherwise they may lose some of their income in vain.
The fund shares purchased on the same day shall enjoy the distribution right of the fund from the next working day; The fund shares redeemed on the same day will not enjoy the distribution right of the fund from the next working day.
That is to say, assuming that 1.7 yuan's 10000 earnings remain unchanged, today you buy a monetary fund of 10000 yuan, then you can earn the first 1.7 yuan the next working day; If you redeem the money fund 10000 yuan today, you won't earn 1.7 yuan the next working day.
Here, investors must pay attention to three "working days", that is to say, if you buy a money fund of 10000 yuan on Friday, you won't make money on Saturday and Sunday, but only make the first 1.7 yuan on Monday; But if you redeem 10000 yuan on Friday, you can still make money on Saturday and Sunday.
Therefore, investors must pay attention to:
1, Friday is not suitable for subscription. Buy from Monday to Thursday, only lose one day's interest; If you buy it on Friday, you will lose three days' interest.
2. Thursday is not suitable for redemption. Redemption on Thursday stops on Friday, and interest does not accrue on Saturday and Sunday.
3. Please refer to the weekend operation method for the purchase and redemption of other legal holidays. However, in order to prevent a large number of pre-holiday subscriptions from being diluted, many funds often stop subscriptions in advance. Investors must pay attention to the relevant announcements of fund companies.
In addition, the monetary fund basically adopts the method of "daily dividend and monthly carry-over", that is, "daily simple interest and monthly compound interest".
Assuming that the income of 10000 shares is 1.7 yuan is unchanged, if you buy a monetary fund of 10000 yuan, you will only earn 1.7 yuan every day; If you don't redeem it, your share will change from May 1 to 1005 1 yuan, and you will earn more money every day.
Therefore, investors had better not redeem it before the end of this month.
Finally, investors should adhere to the principle of "buying old money without buying new money, buying high money without buying low money, long and short money":
First, give priority to the old fund. Because after a period of operation, the performance of the old fund has become clear, but it will take time to verify whether the newly issued money fund can achieve good performance.
Secondly, investors should try to choose the type of high-yield money fund with the highest annual return.
Thirdly, it should be remembered that the Monetary Fund is suitable for managing liquidity, short-term funds or temporary funds whose current use is difficult to determine. For fixed medium and long-term funds for more than one year, treasury bonds, bond funds and other wealth management products with higher returns should be selected.