1. The short-term handling fee is very good. It is 0.15 points for buying and 1.5 points for selling. The fund's short-term income is not big, and frequent short-term operations are the most taboo.
2. Good fund managers only look at the long-term investment value of more than three years. The short-term fluctuations are huge, and no one can guarantee that they will make money. 3. The quality of the fund cannot be judged by the short-term. The market may not be good in the short-term, but it can be judged by looking at the long-term.
First of all, there is a time limit for subscribing and selling. Frequent transactions will waste a lot of time and cost.
Secondly, in the short term, there are too many factors that affect fund returns. Frequent trading may cause misoperations, resulting in frequent buying and selling at the wrong time.
Finally, long-term investment can better enjoy the advantages of compound interest and increase returns.
The above is an objective analysis. Next, let's talk about the data roughly. As long as the holding time is long enough, we can find that at least 90% of funds have good returns.
This number can be much higher, and their level of profitability is staggering.
However, there is a problem with the definition of "long term".
This is what misleads many people.
Some people may think that if I hold it for one year, it is long-term. However, if I hold it for less than one year, it can actually be considered short-term. Only for three years or even more than five years can it be called long-term.
If the time span is extended to such a long time, the returns of many funds may indeed reach 50% to more than 100%.
But there is a risk here: China's stock market is cyclical, and there may be a bull market and a bear market in about 5-7 years, with a rough cycle of fluctuations.
It may be okay if you hold it for 10 years, but during this period of time, you may encounter many unstable factors during the fluctuation cycle, especially when the fluctuations are extreme.
It is recommended to hold excellent funds for the long term, or you can set a profit expectation for yourself. After reaching your goal, you can sell it. In other words, this long-term is dynamic and needs to consider many factors.
Even sometimes it is okay for some funds to be short-term. Whether it is long-term or short-term needs to be measured based on the actual situation. Of course, most funds must be long-term.
The most important points about the stock funds that I have studied for a period of time are nothing more than the following points: First: the return rate of an excellent fund must be considerable and stable. The current bank deposit interest rate is about 4 to 5 points, and for funds
It will exceed this point by a lot. For example, the annual return rate of some star funds can reach about 10 or more, so from the perspective of deposit interest rates, funds are more cost-effective than banks. After all, if you deposit money in the bank, the bank will also use the money to invest.
, just like a fund, eliminating the need for middlemen.
Second: If this kind of fund is operated for a long time, in addition to the rate of return, it also has the function of resisting inflation and offsetting the decline in the purchasing power of money. For example, if you have 10 million yuan, the current housing price in Shanghai may be 200,000 yuan per square meter.
, enough to buy 50 square meters. After three years, when house prices rise, it may only be enough to buy 40 square meters. However, the income generated by the funds held can offset the part of the price increase, thus ensuring that the purchasing power will not decline.
No one wants their money to be worthless before it is spent. Third: As an asset balancer, eggs cannot be put in one basket. Everyone knows this truth. A fund with considerable and stable returns can serve as your stable income, so that you
You can try to do some industries with relatively higher risks but higher returns, so this kind of long-term stable fund also plays a supporting role in your asset allocation.