The insiders believe that market volatility has increased since this year, and investment should be more cautious. It is not advisable to blindly chase up star funds and frequently apply for redemption. From this perspective, female investors may perform better in the volatile market. Bian Xiao sorted out how to choose his favorite fund here for your reference. I hope everyone will gain something in the reading process!

Investment funds are a good choice for the goddess, but you need to know some tips for fund investment, otherwise blind investment will not pay off. So how should divines, who is naturally sensitive and impulsive, invest in funds?

Characteristics of female investors

1, dare to invest more money

The average holding capacity of "foreign chicken" girls is 23,000 yuan, twice that of boys, which is equivalent to having a big-name bag per capita!

2. Learn more about "holding"

There is a famous saying in Peter Lynch's "Overcoming Wall Street"-"Endurance is better than brain power". No matter how you invest, your ultimate success depends on your ability to persist in investing successfully regardless of environmental pressure.

Patience is an indispensable quality of investment. For fixed-income products, the longer they are held, the more likely they are to get higher returns. According to the survey, 80% of "Yangji" girls hold it for more than 3 years, and the average holding time is as high as 1408 days!

"Yangji" girls not only hold it for a longer time, but also have a higher average yield. The average rate of return for holding for more than three years exceeds 36%, which proves the advantages of long-term investment.

3. Love voting more

In addition, from the perspective of "nurturing", "nurturing" girls prefer fixed investment. The proportion of "Yankee" girls who have the habit of fixed investment is obviously higher than that of "Yankee" boys! Plan well, manage your finances well, and the pace of life can be controlled!

Statistics show that Beijing Niuda ranks first in total wealth management, with an average holding amount of 6.5438+0.85 million yuan, while Chongqing Spicy Niu and Shanghai Nannan rank second and third, with an average holding amount of 66,000 yuan and 35,000 yuan respectively.

In addition, statistics show that my sister's "financial quotient" is quite high, and her sister's "financial resources" are more abundant. Girls aged 26 -35 are the main force of "nurturing girls", accounting for nearly half, and they hold it for a longer time and have higher financial benefits. It seems that the sisters' investment concept is very mature!

However, girls aged 36 -45 are more emboldened and have stronger financial strength, and the average holding amount is twice that of girls!

To sum up, first, women will spend more time studying the market; Second, women's trading frequency is low, which reduces the losses in trading; Third, women's risk preference is low.

Since the Year of the Ox, the overall performance of equity funds has been weak. The industry believes that this year's investment should be more cautious. From this perspective, market volatility may be more conducive to investing in conservative female investors.

Zhou Weiwen, the manager of China-Europe Fund, also recently put forward some suggestions for ordinary investors' fund investment. He believes that if you buy Public Offering of Fund and hold it for a long time with a high probability, you will get better returns. However, long-term investment is not necessarily as long as possible. When there is obvious bubble, you can consider changing the package in stages. Although the net value of the fund has soared for two consecutive years, from the perspective of five years, China's economy will develop steadily and the performance of outstanding listed companies will continue to grow.

However, he also suggested: "The rate of return of fund holders of 202 1 is not necessarily high. At present, some core tracks on the market are already overcrowded, and the valuation is relatively high, which may fluctuate greatly in the future. Therefore, investors are advised to diversify their investments and make long-term investments instead of blindly pursuing explosions. They can choose multiple products with stable long-term performance and managed by different fund managers to hold for a long time. Or buy it with a fixed investment. A small amount of investment can reduce the impact of fluctuations without occupying too much money. "

How to choose your favorite fund?

1. Know your risk preference.

Everyone's investment risk preference is different, and the following suggestions are put forward according to the risk preference:

Active "avantgarde sister": 60% stock fund/index fund +20% mixed fund+10% bond fund+10% money fund;

Balanced "rational sister": 40% stock fund/index fund +30% mixed fund +20% bond fund+10% money fund;

Steady "elegant woman": 20% stock fund/index fund +30% mixed fund +30% bond fund+10% money fund;

Cautious "good girl": 30% mixed fund +40% bond fund +30% money fund.

Conservative financial personality can choose time deposits, money funds, national debt, physical gold and ordinary bank financial products.

Balanced financial personality can allocate 50% high-risk products and 50% low-risk products to minimize risks and maximize benefits.

Aggressive financial personality can consider the investment scheme of 60-70% stock funds and 30-40% other products, and strive for high returns while taking high risks.

No matter what kind of financial management method, the most important thing is to collect more financial information from all aspects and understand the characteristics, risks and liquidity of products in case of emergency; Then make a reasonable investment allocation according to the tolerable risk level and in line with the medium and long-term capital needs of individuals or families.

2. Do your homework before investing.

"I also want to study hard, but I am too busy to have time." Most people know that if you want to make a good investment, you must do your homework first, but many people fail to do this for "various reasons".

It is suggested that soothsayers should spend more time to understand the investment rules of funds before investing, read quarterly reports and see whether the investment style of fund managers is their favorite and whether the investment direction of funds has a "money" way. Consult a large number of materials and compare the risks, advantages and disadvantages of different wealth management products; See what the official media are concerned about and what the discussion area of the fund forum often talks about. Finally, consider your own situation before making a decision.

3. Choose a more stable fund.

In investment, risk is directly proportional to return. In order to win higher returns, it is necessary to take higher risks, which is a truth that many people understand. But in reality, we often see all kinds of "skyrocketing" benefits, and our hearts are full of excitement. It is easy to put aside rationality, ignore risks and consider our own endurance. "The market is so good, how can I not have Man Cang?" "Take a shot and the bike will become a motorcycle!"

Compared with all kinds of income, it is suggested that Goddess pay more attention to the stability of investment when investing. Because they invest in financial management in order to give families more material security and enhance their ability to resist risks, they need to control the risks within the controllable range. "I won't be moved by your promise to give me a car full of strawberries. What I want is an apple a day. "

In fact, female investors often have higher risk control ability. According to a survey report of Caijing New Media, 68. 1% of female investors think that the most important thing in the process of financial management is to ensure the safety of funds, and only 9.4% are more concerned about the income. "Do you want to move my headmaster? ! Don't even think about it! No! "

4. It is a good choice to invest regularly and regularly.

The fixed investment of the fund is to invest a fixed sum of money in the fund every month. No matter how the market fluctuates, there is no need to consider the timing of entry. Because the entry time is scattered, the risks are also scattered at the same time, and the investment cost is shared equally. Regular quota purchase of funds can help female friends overcome the weakness of indecision. Regular quota pays more attention to the compound interest effect of time, which is suitable for medium and long-term target financial management and eliminates "speculative" financial management behavior. It creates conditions for fortune tellers to develop regular and systematic financial habits.

However, before buying a fund, it is best for female investors to identify different types of funds and recognize their risk tolerance, so as to find the fund that best suits their "style".

A person's living income comes from two aspects: on the one hand, work income; On the other hand, it is wealth management income. No matter how strong a person's ability to make money is, if he can't manage money, he will still be empty-handed and have no worries about food and clothing in his later years. From a practical point of view, women need to make an overall plan for their future pension and lifestyle. Learn to manage money, be a smart woman, be a happy woman and be an independent woman.

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