In the past two years, the fund has been really hot for many reasons. As a non-professional financial planner, I will talk about the reasons from the perspective of a common people.
First, everyone has spare money. Who can afford the fund when people can only eat and wear? If they barely have enough food and clothing, how dare they buy a fund? Losing is fatal.
Second, the promotion of ideas. In the past, everyone kept money in the bank for a fixed period, and the income of two points a year was mainly safety, but suddenly it was found that financial management was being promoted everywhere. What should I do if I find that the bank can't win CPI and lose money?
Third, the stock market has been booming in recent years. What about saving money in the bank? How high is the return? In the past two years, everyone has been discussing the stock market, how much some people have earned, how many times some people have turned over, and so on. Every day, I hear it in my ears. Hearing this, do I have the impulse to take out all my savings and enter the stock market at once?
Fourth, professional ability, when you are ready to try your hand in the stock market, you find that you don't know anything, even the price-earnings ratio, and you can't read the K-line. How can you play this? It's leek when you go in. Since it won't, let's leave it to professionals to play. These are fund managers.
Fifth, time, you need to keep an eye on the stock market every day, but everyone is busy with work and has no time to do it. Then find a way to look after work, the fund.
Therefore, in recent years, everyone has been crazy about investing in funds, and the extremes meet. There is a saying in the stock market that when everyone is trading stocks, the stock market will fall. Reasonable planning of your own financial management, reasonable income and steady investment are the king.
Recently, the news that E Fund has subscribed for a new fund is on fire. The subscription scale of E Fund's competitive advantage managed by Feng Bo may reach 237.4 billion yuan, a record high in Public Offering of Fund. Why are so many people enthusiastic about the fund?
By the last trading day of 2020, the Shanghai Composite Index will rise by 1.72%, the Shenzhen Component Index will rise by 1.89%, and the Growth Enterprise Market Index will also rise by 2.27%. The turnover of the two cities reached almost one trillion yuan. According to the data, the per capita profit of A-share investors in 2020 is 10.49 million yuan. However, investors who have publicly issued funds have made a lot of money. In 2020, there are amazing 1 10 funds whose returns reach or even exceed 100%.
In 2020, the average returns of common stock funds and partial stock mixed funds both hit new highs in 1 1 year, with the average returns of common stock funds reaching 59.69% and partial stock mixed funds reaching 58. 15%, both exceeding the Shanghai Composite Index and Shenzhen Component Index, and the annual returns of champion funds reaching1year.
It is not difficult to understand that the new fund was snapped up to make money in this way. Who doesn't want a piece of the action?
The hot subscription of new funds is also related to the mentality of investors. After years of development, the old fund frequently uses 3 yuan and 4 yuan, while the new fund only needs 1 yuan. Many investors, especially novice investors, were moved by it and felt that they had bought a "bargain".
Is that really the case? The principal is 654.38 million yuan, 1 yuan fund rises 10%, and 3 yuan fund also rises 10%. Isn't the return the same?
How do fund companies make money? Fund wages are collected from the fund scale in proportion to management fees to obtain income. Therefore, expanding the scale of funds is the most important mission of fund companies. They also want to make money!
As a result, fund companies have identified the hearts of investors, taking star fund managers as gimmicks and low prices as bait, and constantly issuing new funds. The purpose is to enlarge the scale by playing new funds and help fund companies make profits.
You see, in today's world, most fund companies do this, and fund companies can't afford it early without benefits.
I personally don't like the new fund. On the one hand, the new fund has no historical performance to refer to, you can't judge its operation, and you can't see the probability of its future performance through history, so you can only be superstitious about the fund manager.
On the other hand, the new fund has an open period, that is, everyone's money is not directly invested in the stock market, but gradually entered. Now A shares are too hot, and the stock index is already in a bubble. It is risky to enter the market at this time, and the money to buy a new fund will become a "receiver" if you are not careful.
Finally, advise those ignorant investors that the stock market is risky and should be cautious when entering the market. At this time, it is necessary to pay attention to risks when buying new funds, especially one-time investments.
The fund's income in 2020 is really good, and it has made a lot of money in two years.
The stock market and funds are not a barometer of economic development, but a barometer of currency circulation. Especially under the epidemic situation, all countries, including the United States and China, are relaxing their monetary policies to save their economies. Just yesterday, Biden approved the economic stimulus policy of $654.38 +0.6 trillion, and China certainly has a similar plan. As a result, with more money in the world, the prices of various assets will rise. Apart from other factors, prices have risen a lot recently. But this is really just the beginning.
Don't put your money in the bank, or you will get something. Cruel, but true.