Although the fund transaction is simple, there are many misunderstandings in the fund transaction and many common fund transactions. So today, Bian Xiao is here to sort out the common misunderstandings of purchasing funds. Let's have a look!
What are the common misunderstandings in buying funds?
1, like chasing up and down.
Whether it is fund trading or stock trading, many investors prefer to chase up and down. When the fund rises, they buy it, and when it falls, they sell it, because the rise of the fund gives investors a confidence or psychological comfort, and they feel dependent, and then they buy it when it rises. When the fund fell, investors felt depressed, as if they had been abandoned by love rat. They lost confidence in an instant and sold it without hesitation.
I like to chase hot spots, and I like to buy products that have soared in a period of time and products that rank in the forefront of the whole year, so I often buy at the highest point, without considering that the style and trend of the market will change with time.
2. The risk awareness of fund products is not clear enough.
Generally speaking, although the risk of funds is relatively low, the risk degree of different types of funds is different. According to different investment objects, funds can be divided into money funds, bond funds, mixed funds and stock funds. The risks of these funds are increasing in turn, and the risks of equity funds are relatively large.
Many investors buy funds without distinction at all, and buy according to their own feelings, resulting in all high-risk fund products. For example, I have a friend who doesn't know much about funds, thinks that the risk of funds is relatively low, then buys a lot of funds and finally loses a lot. Then I looked at the funds he bought, which turned out to be stock funds.
3. Buy funds and like stallion.
Many investors like to buy funds in a whole warehouse, always putting their eggs in the same basket, which eventually leads to all the eggs being broken. This investment method is risky, because we are not sure which fund will definitely go up.
4. Buy a large number of funds in the same market industry.
Some investors buy funds, although they don't know how to buy them, but the funds they buy are all in the same market industry, and the investment direction of the funds is similar. This method is not worth recommending. Because the fund in the same market sector has different ups and downs, the development trend of the market is actually similar. When it falls, most funds in this field may fall.
How should the fund be analyzed?
Buying a fund mainly analyzes the fund type, investment direction, risk, fund establishment date, fund scale and fund manager. At the same time, buying funds can also be analyzed by indicators, such as Sharp ratio, Treno index, Zhan Sen index, maximum retracement, and Shanghai and Shenzhen 300 yield curves.
Significance of medical theme fund
Recently, there has also been a correction in the pharmaceutical sector, but in the long run, the overall trend of the pharmaceutical index is upward, showing high growth. Take the Shenwan index of medical biology as an example. Although it has been greatly adjusted for many times, it has repeatedly broken through the high point of the big bull market in 20 15 years, with a ten-year increase of 228.87%, while the Shanghai and Shenzhen 300 Index rose by 80.46% in the same period.
The fund manager pointed out that the pharmaceutical sector is the best in terms of industry trends and industry price comparison. Medical investment should not only understand "pharmaceutical principle", but also understand "business model". On the premise that the performance continues to be fulfilled and the development logic is not destroyed, the prosperity of pharmaceutical stocks will eventually be reflected in the stock price.
The pharmaceutical sector is a high-quality sector with high growth and high fluctuation. But at the same time, we should also realize that high industry barriers, a large number of listed companies and obvious internal differentiation have also brought great investment difficulties to the pharmaceutical sector.
The medical fund itself belongs to the industry theme fund, with high concentration and great income elasticity. If the industry benefits, the corresponding industry theme fund may achieve higher excess returns in a short time; On the contrary, if there is a "black swan" in the industry, there may be a big retracement in a short time. Corresponding to the medical theme fund, because most of the funds are invested in the medical sector, the investment varieties are relatively single, and it is difficult for an industry to be excellent all the time. It is likely to be affected by the industry, and the short-term fluctuation range is very large, and the net value of pharmaceutical funds has also risen and fallen.
Is there any risk in fund investment?
The risk of fund investment mainly depends on the investment target of the fund. According to the different investment targets, funds are divided into different fund types. Some funds are less risky, while others are relatively risky.
Money funds and bond funds mainly invest in the money market and bond market, so the risk is relatively small. Equity funds mainly invest in the stock market, so the risk is relatively high.
In addition, different people have different tolerance for risks and different understanding of the size of risks. Some people think that the risk of fund investment is greater, while others think that the risk of fund investment is smaller.
How much is the handling fee for the fund?
Fund handling fees generally include subscription fees, subscription fees, redemption fees, management fees and service fees. Among them, the subscription fee and subscription fee are independent and are not charged at the same time. In addition, subscription fees and service fees are also independent, some charge subscription fees, some charge service fees, and they are not collected at the same time. The specific fee standard for purchasing a fund needs to be judged according to the trading rules of the fund.
Take a fund as an example, the subscription fund amount is between 0 ~ 1 10,000, and the subscription rate is 1.5%, which is 0. 15% after discount. 1 10,000-3 million, and the subscription rate is 1.2%, which is 0. 12% after discount. Between 3 million and 5 million, the subscription rate is 0.8%, and the discount rate is 0.08%. 1000 yuan subscription fee of more than 5 million.
The management rate is 1.5%. Holding time is 0-7 days, redemption rate 1.5%, 7-365 days, redemption rate 0.5%, 365-730 days, redemption rate 0.25%, more than 730 days, and no redemption rate is needed.
Then, if you buy a fund of 1 ten thousand yuan and hold it for five days, the handling fee should be:1000×1.5%+1000×1.5% = 450 yuan. It can be seen that if the fund is held for a short time, the handling fee to be paid is very high.