Fixed investment fund is very popular and favored by investors in recent years, and it is also a relatively stable fund investment model. Do we know which ones? The following are the funds suitable for fixed investment compiled by Bian Xiao _ Funds are suitable for fixed investment, for reference only, and I hope to help you.
What are the funds suitable for fixed investment?
Fixed investment fund is to invest in the same fund at a fixed time and with a fixed amount. The net value of fixed investment funds is small, and the share is different under different market conditions. The same amount will be less when the market is good and the net value of the fund is high. When the market is poor and the net value of the fund is low, the share is high. When the net value of the fund is low, investors will buy the fund and increase their share. When the net value of the fund rises, investors will make a profit. Profit from fluctuations in the fund's net value. The model that investors like is to buy when the fund's net value is low, and then sell it to make a profit when the fund's net value rises. If the net value of the fund does not fluctuate, it is better to buy the fund at one time than to invest many times.
When making a fixed investment in the fund, we must first understand what kind of fund the fixed investment is. There are four types of funds on the market at present. As follows:
1, money fund: refers to those funds that invest in the money market with low returns and low risks (according to statistics, money funds have never lost money). This kind of fund is suitable for those funds that are not used for a short time. If the fixed investment fund is a money fund, it doesn't make any sense. Because the net value of the money fund changes very little, the income from multiple investments is not as high as that from one-time investment.
2. Bond funds: Bond funds are funds in which more than 80% of the funds are invested in bonds such as government bonds, corporate bonds and corporate bonds. Compared with the money fund, the bond fund has higher returns and greater risks, which is a stable investment.
3. Hybrid funds: Hybrid funds are funds that can purchase both bond funds and equity funds. When buying and selling hybrid funds, you can choose according to market conditions. When the market is good, the proportion of equity funds can be increased, thus increasing the income. When the market is bad, increase the proportion of bond funds, stabilize income and reduce risks. The income of hybrid funds is between bond funds and equity funds.
4. Equity funds: in investment funds, stocks account for more than 80%. It has the characteristics of high risk and high return, and is suitable for radical investors.
What kind of fund is suitable for fixed investment?
1. money fund: refers to the fund specially used for investing in the money market. Its risk is extremely low, and its income (never losing money in history) is relatively stable, basically maintaining at around 4%. Therefore, such funds have low risks, low returns and small fluctuations. Fixed investment is not as good as one-time investment, and fixed investment is meaningless.
2. Bond fund: More than 80% of the funds are invested in the bond market, which is also a low-risk and low-yield wealth management product. In 20 17, the whole bond market is in a weak state, and the income of pure bond funds is mostly inferior to that of money funds, so whether such funds decide to invest not only affects the risk and income of products, but also has little difference.
3. Hybrid funds: you can buy both bond funds and equity funds and other wealth management products, which can be more market-oriented and constantly adjust the fund holding ratio. It has the attributes of flexible operation, average risk sharing and overall income improvement. This kind of fund has high risk, high income and great fluctuation. By adopting the fixed investment method, the risk of timing caused by improper user operation can be shared equally.
4. Equity funds: As the name implies, 80% of the funds are mainly invested in the stock market, which has the characteristics of high risk and high return and is more suitable for radical investors. Due to the short-term volatility of such funds, the investment cost can be shared equally and the overall income can be improved by adopting the fixed investment method.
5. Index fund: a fund product with a specific index as the target and tracking the performance of the index as the investment target. It has the characteristics of small short-term fluctuation and obvious long-term trend. Secondly, index funds are passive funds, which do not need the active intervention of fund managers, and their relative costs are lower than other funds. As for whether the fixed investment is worthwhile, investors with different personalities have different views. Investors in favor of fixed investment believe that index funds have high risks, and adopting fixed investment can avoid some risks; Investors who disapprove of fixed investment believe that index funds have small short-term fluctuations and are passive funds, so fixed investment is of little significance.
Methods of selecting fixed investment funds
1, based on indicators such as fund performance, past performance of fund managers, and visibility of fund companies.
These aspects are a big project. Among them, fund selection based on fund performance can be evaluated by comprehensive indicators such as fund income, maximum fund extraction and risk value over the years, as well as Sharp ratio, suggested ratio and Zhan Sen ratio. Choosing a fund based on the fund manager's ability can be judged by evaluating the fund manager's ability to choose stocks and timing, the frequency of changing positions and the style of holding positions. Based on the popularity of fund companies, we can refer to the evaluation of fund companies by well-known fund evaluation agencies over the years, such as Morningstar Fund and Galaxy Fund. Investors will refer to the number of warnings and punishments given to fund companies by regulators over the years.
2. Decide which fund to choose according to the investor's personal investment style.
Investors with different risk preferences and investment styles can dynamically adjust fund assets and fund varieties with different risk levels under different economic and market environments. Risk-averse investors can consider the fixed income share of money funds and graded funds; Investors who have a certain understanding of the stock market and are good at judging market trends but not good at stock selection can operate index funds and graded index funds with high risk share.
3. According to the future trend, selectively allocate funds that meet the future trend.
This step requires investors to have a good judgment on the trend of individual stocks and sectors. If a fund's industry allocation and heavy stocks themselves are not optimistic, then even if it meets the first two steps, it will not be selected into its own asset allocation pool.
The fund selected by combining the above three steps is the fund that best meets the investors' own investment needs and has a high probability of obtaining excess returns for investors.
From the three steps of selecting funds, it can be seen that judging the potential of funds is mainly the method introduced in the first step: funds with excellent historical performance, high profit-risk ratio indicators such as Sharp ratio and suggested ratio, excellent investment ability of fund managers and high investment and research ability of fund companies are funds with great potential.