First of all, passive funds are not suitable for long-term fixed investment. Taking index funds such as CSI 300 and CSI 500 as examples, we can see from the index form that the index fluctuates for a long time, and there are short bulls and long bears in China stock market. The best strategy in this form should be to start a fixed investment at the bottom of the valuation and wait until the index reaches a high point before redeeming the fund, instead of a mindless long-term fixed investment.
In fact, there is no need to tell the truth about long-term fixed investment index funds. An important purpose of fixed investment is to spread costs. For example, the total amount of fixed investment has reached 500,000, so the daily fixed investment is 100, which basically ignores the impact on the cost. Whether you can make money at this time, to put it bluntly, you still have to wait for the index redemption. Therefore, do not choose passive funds as the target for long-term fixed investment.
If you choose an active fund, you will encounter a new problem, that is, the "champion curse."
We can find that the annual ranking of fund income is basically unrecognizable. If you choose a fund based on past performance, it is completely unreliable. I'll give you a list of 20 16 to 20 18 funds with a scale of more than 200 million yuan. Let's feel it:
Personally, I think the standard for choosing active funds is to use the average daily rate of return since the establishment of the fund to determine the fund ranking. Therefore, I rank the funds that have been established for more than 5 years according to this standard, and get the following fund list (data as of May 20 19, 12):
Of course, there will also be changes in fund managers in the fund. For example, the daily income selected by China market was basically contributed by Wang Yawei when he was in office. With this in mind, I finally chose two funds marked in red, namely Guo Fu Tianhui Selected Growth A and Jing Shun Great Wall Dingyi.
Guo Fu Tianhui Select Growth A The current fund manager is Zhu Shaoxing. Since the establishment and management of this fund, * * * has worked for 4,928 days, and the rate of return has reached 102 1.97%. This fund is really 10 times.
Jing Shun Great Wall Dingyi's current fund manager is Liu Yanchun, who started to manage * * * 15 days from July 20 15, with a return of 98.28% and good income.
Someone asked, choosing a fund is choosing a fund manager. Why not rank the fund managers according to their past performance, and then choose the products managed by these fund managers?
For example, Wang Yawei's properly raised brother, after going to private placement, did not perform as well as before. Although I don't know why, we can't ignore the acclimatization after going to a new institution, so you can find that when I selected the list, I chose a fund that has been established for more than 5 years.
If this condition is not considered, the historical performance of many fund managers is good. For example, Qiu Dongrong's performance in HSBC Jintrust was quite good before, and now in Zhonggeng, the return of the managed Zhonggeng value pilot hybrid fund is also ok. From 2065 438+08 02 08 19 to the present *** 147 days, the return is 22. 13%. However, the term of office is relatively short, and with the bull market at the beginning of this year, the future performance needs further observation.
In a word, it takes time to choose a good fund, not only depending on historical performance, but also whether you agree with the fund manager's idea. I hope that there will be more good funds for our investors to choose from in the fund market in the future.