Usually, long-term is the best, unless you choose closed-end funds or ETP arbitrage. However, in any case, you buy at a low price and sell at a high price. Newly listed funds are not necessarily good. First of all, the new fund has not experienced the test of cycle, so the risk is uncertain. Most of the old funds have experienced cycles, and it is not easy to maintain the upward trend, which is worth considering. And the income of the old fund can be referenced. After all, they have generated a certain return on assets. The new fund does not, and it can only be estimated by feeling and experience. But if the investment philosophy of a new fund is the same as that of an old fund with good asset allocation and income, there will be no problem, and it will be good to buy it.
2. What about hedge funds, money funds and equity funds? What kind do people usually buy?
This is divided into stock funds, bond funds, money market funds and capital preservation funds according to risks and benefits. Their investment scope is different, and their risks and benefits are different. Usually, risk and return are in direct proportion, that is, the higher the risk, the higher the return. Among these types of funds, stock funds have the highest risks and returns, followed by bond funds and money market funds. Capital preservation fund The above is the difference between the two. Usually, you choose according to your own needs. If you are willing to take high risks, you choose equity funds, otherwise you choose low risks. You choose your risk tolerance. The safest is the capital preservation fund. Redemption of 65,438+000% of the principal within the promised period will give you some extra income besides the principal, which means there is no risk. The profit it gives is slight.
3. Does the fund have a term? I mean, is it meaningless to sell a fund that I don't control at a certain time? That is to say, buying a foundation will not have nothing like warrants? Because I don't understand this, I have to figure it out first!
Closed-end funds have a time limit, but they will be stated in the prospectus and are legal. Open-end funds have a duration. When it expires, you can redeem it.
4. What is the total fee for buying a fund? How much do those handling fees add up to? Ok, for example, I want to buy a fund with a share of 1 yuan, and I want to buy 10000 shares, that is, I want to buy it with 10000 yuan. How much handling fee do I have to pay? How much do I have to pay when I sell it?
Not necessarily. When buying a fund, we must study its prospectus and fund contract. The cost of each fund is different. The cost of open-end fund includes direct cost and indirect cost. Direct costs include subscription fees, subscription fees and redemption fees generated during the transaction, which are directly borne by investors; Indirect expenses are expenses deducted from the net value of the fund as stipulated by laws, regulations and fund contracts, including management fees, custody fees and operation fees.
5. If I want to buy an ICBC fund, what are the procedures? Please briefly list the process from the first part to the successful purchase and then to the successful sale!
You have listed it yourself.
6. There is one last question. Do commercial banks have the funds to buy it?
You go to the portal of the commercial bank, and you have listed all the funds that can be sold on a commission basis, and introduced them in detail.