When buying a fund, the choice of the number of funds is also very important. If it's a principal of 10 thousand, it's not too much, nor too little. So do you need to measure the purchase of funds according to your own financial resources? The following small series will answer your question.
Do you need to measure the purchase of funds according to your own financial resources?
Buying a fund requires reasonable measurement and planning according to one's own financial resources. As an investment tool, fund involves investment risks and returns, and investors need to determine the investment amount according to their own financial situation and risk tolerance.
Can I invest all my money in the fund?
Financial measurement: before buying a fund, investors should evaluate their financial situation, including income, expenditure and liabilities. According to the personal funds, determine the available funds that can be used for investment funds, and ensure that it will not affect the daily life and the demand for funds to deal with emergencies.
Diversified investment: It is not recommended to invest all funds in funds. Diversification is an important strategy to reduce risks. Investors should also consider diversifying their funds into different types of assets such as stocks, bonds and real estate, and rationally allocate funds according to their own financial situation and risk tolerance.
Risk tolerance: investors should assess their tolerance for investment risks. Fund investment involves market risks and may face the risk of capital loss. Investors should consider their risk tolerance and the range of losses they can afford, and choose the right fund according to their investment objectives and time.
Investment duration: investors should plan their capital investment according to their investment objectives and investment duration. If the investment goal is long-term appreciation, you can consider investing some funds in long-term investment plans, such as stock funds or long-term bond funds. If the investment goal is short-term return or high liquidity demand, you can choose short-term bond funds or money market funds.
Generally speaking, investors should comprehensively evaluate and measure their own financial resources before purchasing funds, and rationally allocate funds according to their own financial situation, risk tolerance and investment objectives to achieve the goals of risk management and capital appreciation. At the same time, investors are also advised to consult professional financial advisors or fund managers for more accurate investment advice.
Ten thousand yuan is suitable for buying several funds.
Generally speaking, if the fund buys too much, it will spend a lot of time and energy, because investors need to look after everyone. Suppose: an investor's principal 1 1,000 yuan. If he wants to buy a fund, it is more appropriate to buy two funds, because it can not only reduce the risk, but also facilitate the operation of investors, and does not require too much time and energy.
When buying a fund, you can buy it in the form of a fund portfolio, that is, buy different types of funds to maximize returns and effectively spread risks. Among them, the fund position has a classic "stock-debt balance" combination, that is, holding stock funds and bond funds at the same time according to a certain proportion.
Take 10000 yuan as an example: if investors want to pursue safety and don't want to take too much risk, they can choose to buy a pure debt fund of 6000 yuan and a stock fund portfolio of 4000 yuan.
If investors want to pursue income orientation and can bear certain losses, then they can choose to buy 6000 yuan equity funds and 4000 yuan pure debt funds.
Because the risk of pure debt funds is relatively small, while the risk of equity funds is relatively large, collocation and combination can effectively spread risks and improve returns, and investors can also make adjustments according to their actual conditions.
What fund is more stable to buy?
Generally speaking, if you don't want to take great risks and want to buy a stable fund and choose the fund type, the general money fund and pure debt fund are relatively stable and less risky.
Because the money fund invests in the money market and the pure debt fund invests in 100% bonds, neither of them invests in the stock market, so the risk is relatively small, the possibility of making money is relatively large, the possibility of losing money is relatively small, and the income is relatively stable.
How to choose a more stable fund?
As mentioned above, it is more prudent to choose money funds or pure debt funds as much as possible. After choosing the fund type, it is the choice of the fund. When choosing a fund, the first thing is to look at and compare the past historical performance and choose a fund with excellent past historical performance. Although the past performance does not represent the future, it will still have some reference.
Secondly, we should choose a good fund manager. When choosing the number of years of fund managers, try to choose those who have worked for more than four years, because they are better than new fund managers in terms of experience. Secondly, we should choose a good fund manager by considering the income of fund managers in managing past funds and the rate of return on fund employment. Because we invest money in fund managers, it is very important to choose a good fund manager.
Are there many funds that have fallen by 50%?
Generally, there are very few funds that have fallen by 50%, and it is normal for most funds with higher risks to fall by 20-30% a year. If investors buy a bad fund, they can set a stop loss point, and it is very important to stop loss in time.
In addition, it is worth noting that when choosing, try to avoid a particularly large increase in the past month or week, because the fund may be at a high level at this time, and the risk of buying and chasing up will be greater. You can choose funds with good returns in the past year and recent years.