Playing with funds is also skillful. If you buy blindly without knowing anything, the probability of principal loss is greater. So what skills do you need to learn to play the fund? Today, Bian Xiao compiled some knowledge about playing funds for everyone. Let's have a look!

What skills do you need to learn to play the fund?

1, social fund allocation

When investors buy funds, they can spread the risks through reasonable allocation of funds. For example, if you don't want to take great risks, you can give consideration to both risks and benefits, and allocate both monetary funds and pure debt funds. When allocating funds, it is generally not recommended to allocate too much.

Because there are too many funds allocated, there is no time and energy to manage, which will be more tired. Generally, 2~3 funds or more than 5 funds can be used. The allocation of funds can spread its risks. For example, if one fund goes up and another fund goes down today, it will offset some of it, and the risk will not be too concentrated.

2. Fixed investment of the fund

When investing in high-risk funds, such as stock funds, index funds and hybrid funds. , you can take the method of fixed investment by the fund. When buying a fund, I don't know when it is high and when it is low. Therefore, buying funds is conducive to the average share and reduce risks.

3. Buy low and sell high

When buying a fund, you can observe the trend of the fund in recent years, try to buy at a low level and sell at a high level to make money, but it is worth noting that you should not choose a fund with poor performance in the past. If the fund keeps falling, then buying is also bottomless.

Do people who play funds have money?

People who play funds are rich, because playing funds requires principal to play, but the money invested will not disappear, unless the fund falls, it will lose money, but the fund will make money when it rises. At the time of redemption, the principal plus the money earned is a big gain.

However, the funding threshold is not high. Some funds can invest one yuan or ten yuan, but the principal is too low, and it is basically difficult to make a lot of money. Only when accumulating experience, capital needs principal and time. In addition, when choosing a fund, it is necessary to choose a good fund.

It may be because the investor's own family choice is better, or the salary is higher and the money is more, so he will think about investing in funds to make money. Funds are risky investments. If the investment is good and the fund goes up, they can earn more money. If the fund investment is not good and the market is poor, then they will lose money.

Therefore, when investing in funds, we should consider our own affordability. If you can't afford a high-risk fund, you can choose a low-risk fund, such as a money fund or a pure debt fund. The risk is relatively low and the income is relatively stable, which is more suitable for conservative investors.

What fund type is 65438+ 10,000 suitable for?

Investors should know their tolerance when buying funds. If they can't take great risks and care about liquidity, then they can consider money funds or pure debt funds, because the underlying risk of money fund investment is extremely low. For example, Yu 'ebao and Bitong are both a kind of money funds, and the money funds they dock have not lost money so far.

And pure bond funds, basically the risk is very small. If 100% invests in bonds, the income is relatively stable, and the income and risk are a little higher than that of the money fund. Although both of them are not guaranteed capital and interest, there are certain risks, but the risks are minimal.

If you are a conservative investor, you can also allocate funds in a decentralized manner. For example, you can buy 50,000 money funds and 50,000 pure debt funds, so the income will be slightly higher than all money funds. It is also good to combine income and risk and allocate two types of funds.

However, if we want to pursue income orientation, we can actually allocate funds reasonably and maximize income. For example, you can leave a working capital of 20,000 yuan to buy a money fund, and the remaining 80,000 yuan is divided into two parts, one is 40,000 yuan to buy a hybrid fund, and the other is to buy a stock fund. There is a trick when buying, that is, don't buy it at once.

After you are optimistic about the fund, you can choose to buy it in batches when the fund falls. For example, you can buy it once if you drop five points, and you can buy it again if you drop five points. You can also use the method of fixed investment of the fund, which can effectively spread the risk of the fund, because you don't know when it is high and when it is low when you buy the fund, so you can buy it like this and spread the risk.