The outbreak of new funds ushered in, and many "daylight funds" appeared in the market, most of which exceeded the upper limit, triggering proportional placement. Many customers don't know why the funds subscribed to the new foundation were returned, and they also want to know how to deal with the returned funds. Today, Bian Xiao will share with you what it feels like to buy a new pedestal for a refund, for your reference only!

Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.

What is proportional placement?

Proportional placement of funds means that when the total amount of funds subscribed by investors exceeds the issuance scale limited by the fund company, the fund company will distribute the funds to investors in proportion to the original scale and the total amount raised for fairness.

After the proportional placement is triggered, the unconfirmed subscription amount will be returned to the customer who purchased the fund (the return time is subject to the actual operation of the fund company and the sales organization).

Why should we put it in proportion?

The fundamental reason for implementing proportional placement is that fund companies should control the total size of funds. Because the liquidity of the market and the management ability of fund managers are limited, it is impossible to expand indefinitely, so controlling the scale within a reasonable range is more beneficial to the long-term stable operation of the fund.

How to deal with the funds returned from the placement?

1. Buy the old fund of the same investment manager. Investors subscribe for a new fund product, which means that they agree with the investment strategy and concept of the investment manager. The products managed by the same manager are generally not very different. Therefore, the funds returned from the proportional placement of the new fund can be considered to be allocated to the existing products managed by the same investment manager.

However, it should be noted that the old fund has a higher position and greater flexibility than the new fund.

2. Buy products with the same theme as the new fund. For example, if an investor subscribes for a new fund with a medical theme, then if he still wants to invest in the same theme, he can also consider allocating some medical theme funds with excellent past performance.

Subscribing for a new fund shows that we recognize the investment theme of this product, and it is a suitable choice to allocate similar products with excellent performance.

3. Consider continuing to buy new funds. If investors think that there is still room for improvement in personal account positions at present, but they are worried that the old fund products will fluctuate greatly in the short term, they can still try to continue to subscribe for new funds issued in the later period.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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