Speaking of fund investment, many people know and want to try to buy funds, but they know little about funds and don't know how to start. So what is the first step in running a fund? The following small series will answer your question.
What is the first step in operating the fund?
The first step in operating the fund is to make investment planning and target setting.
How should Xiaobai Fund buy the first fund?
Set investment goals: determine your investment goals and time frame, whether it is retirement savings, education funds or other goals. This will help you choose the right fund type and risk level.
Determine the investment time: know your investment time, that is, how long you can hold the investment. Long-term investment can usually balance market fluctuations and obtain more stable returns.
Assess your risk tolerance: assess your risk tolerance, that is, how much fluctuation or loss you are willing to bear. This will help you determine the proportion of different types of funds in your portfolio.
Research on fund types: understand different types of funds, such as stock type, bond type and hybrid type. , and their risk and return characteristics. This will enable you to better match the fund type with your investment objectives and risk preferences.
Choose the right fund: choose the right fund by studying and comparing the historical performance, expenses and fund managers of different funds. You can refer to the ratings of fund rating agencies and the suggestions of professional financial institutions.
Opening an investment account: Choose a reliable securities company or fund sales organization to open an investment account. Generally, you can open an account through the network platform, or you can contact them directly.
Purchase: according to your own choice, purchase the selected fund in the investment account. It can be purchased at one time as needed, or it can be invested in a fixed amount on a regular basis.
Before buying a fund, I suggest you have a further understanding of the basic concepts and investment knowledge of the fund. You can consult a professional financial consultant or find relevant educational resources online. We must understand the cost structure, risk and asset allocation of the fund in order to make wise investment decisions. Remember, investment is risky. I suggest you make rational investment decisions according to your personal situation.
How to get started quickly by investing in Xiaobai Fund?
A fund is a certain amount of money set up for a certain purpose. We often say that fund investment often refers to public offering of funds in a narrow sense. Fund companies set up new funds to sell fund shares, and investors use the funds to buy fund shares. In this way, the funds will be gathered to form independent property, which will be managed by the fund custodian (bank), and the manager (fund company) will invest the funds in other large-scale assets according to the provisions of the fund contract to obtain income and share the interests and risks with investors.
According to the different investment directions, funds can be roughly divided into money funds (mainly investing in bank deposit certificates, short-term government bonds, etc.). ), bond funds (mainly investing in bonds), stock funds (mainly investing in stocks), and hybrid funds (flexibly allocating assets such as stocks and bonds).
Monetary fund has low risk, low income and good liquidity, which is suitable for people with poor risk tolerance and change management.
Bond funds have low risks and slightly higher returns than money funds, and are suitable for people who pursue stable returns and high capital security.
Equity funds have high risks and high returns, which are suitable for those who dare to take risks and pursue high returns.
The risk and return of hybrid funds are in the middle.
Knowing the definition and classification of Chu Fund, you can start to choose investment methods. Fund investment can be a one-time purchase or a fixed investment.
If you always have 50,000 yuan, a one-time purchase is like buying a fund with 50,000 yuan today; A fixed investment in a fund is like buying a fund of 1 000 yuan on1day every month.
One-time purchase is suitable for rising market, fixed investment saves time and effort, spreads risks, and is suitable for bear market and volatile market.
There are many investment channels for funds, which can be purchased from third-party platforms such as banks, securities companies and fund companies, such as Alipay and Tian Tian Fund.
How does Xiaobai Fund invest in the first fund?
First of all, we need to define the concept of fixed investment. Fixed investment is to put money into the fund at a fixed time, which has the dual functions of compulsory savings and investment. Fixed investment belongs to medium and long-term investment. After we bought the fund, it was equivalent to giving the money to the fund manager. After clarifying the basic concepts, we can start our journey of fixed investment.
For most novices or small whites who have never been exposed to fund investment, Alipay is the most convenient channel for fixed investment funds, and there is no need to open additional accounts or download additional software.
We can open Alipay, select the financial column in the menu at the bottom of Alipay's homepage, select the fund after entering the financial management, and then we can have the menu of fund ranking. Click in and you can see many kinds of bases.
First of all, equity funds have the highest risk-return and relatively stimulating losses, followed by hybrid funds and index funds. Bond funds are funds with low risks and not particularly high returns. Beginners suggest starting with index funds and hybrid funds.
Select the index fund in the menu, and then select the last three years, and you can see the index funds with the top performance in the last three years. Pick any one, and you can enter the details page of the fund, which contains all kinds of detailed information of the fund. In the trend of the fund, if the performance of the fund can obviously outperform the broader market, it means that this fund can be put into our fixed investment alternative fund pool. Look at the historical performance data of the fund and choose the top 25%, the last three years, the last five years and.
As for the fund size, for general active funds and enhanced index funds, it is better to choose 5-5 billion yuan as far as possible, while for general index funds, the larger the fund size, the better. Try to choose a fund that has been established for more than 3 years. Active funds, it is best to give priority to fund managers, and choose fund managers who have been in business for more than 4 years, and their past performance can be maintained at 15% or more.
Through these criteria, we can simply choose the first fund we want to invest in.
What does the fund mean by chasing up and down?
The fund chasing up and down means that when the fund rises, the basic people are very optimistic about the fund, but they will wait for the fund to rise for a while before buying. At this time, the fund is in a relatively high position. After buying, because the fund rises too high and the fund retreats, there will be a continuous decline.
At first, investors will still think about the fund's rise, and then redeem the fund when their losses are serious. At this time, it is equivalent to buying at a high level and selling at a low level, and they will lose money. Many novice funds can't resist the temptation of high fund growth, and wait until their losses are serious. If they do this often, they will lose more and more money.