For many investors, when reading articles on investment and financial management online and studying funds, they may see the relevant contents of the fund's fixed investment, but many people don't know what skills are used when choosing the fund's fixed investment. So what are the skills of choosing a fund to vote? The following small series will answer your question.
What are the skills of choosing a fixed investment fund?
1, target take profit method
For example, if you buy a fund, you can set a profit-taking point, such as earning 20% or 40%, and redeeming it after reaching your goal, so that the money can be saved.
For example, if an investor decides to invest in a fund for three to four years and the annualized rate of return of the fund is as high as 20%, then you can consider taking profits, because the annualized rate of return of the Shanghai and Shenzhen 300 Index has been around 10% since its establishment. If the annualized rate of return of the fund is as high as 20%, it is quite good performance.
2. Choose a fund with large fluctuations for fixed investment.
Funds with large fluctuations in foundation belong to high-yield and high-risk types. The essence of fixed investment is to share its risks equally, but we should also pay attention to our own actual situation. If we can't afford high risks, we'd better not buy high-risk funds.
3. Valuation method
This is a method to set the take profit point according to the valuation level, mainly for index funds. Because it is difficult to judge whether the fund is at the highest point when we buy the fund, we should pay attention when the market valuation is high, and the fund may fall behind, so it is best to observe the historical price-earnings ratio of the index and then choose to sell it in batches.
Summary: You can set a target profit-taking point when choosing a fixed investment of the fund. Secondly, the risk can be shared equally by choosing funds with large fluctuations. Finally, the take profit point can be set according to the valuation level.
Should the fund continue to hold after returning to its capital?
Whether the fund will continue to hold after withdrawing funds is complicated, and investors can make comprehensive decisions from the following points:
1, investment target. If investors want to get a stable return on their investment, but choose the wrong fund, the fund will fall after buying it. Now, although the fund has returned to its original value, the net value of the fund is still unstable, so it is better for investors to choose to sell the fund. In this way, you won't lose too much money, and you can save your money and change to a fund that is more in line with investors' investment goals. If the purpose of investors buying a fund is to hold the fund for a long time and gain income, then the fund has now risen back and can continue to hold it and gain income.
2. Expectations for the future development of the Fund. If through holding the target fund for a period of time, investors find that the future development expectation of the fund is not optimistic, then it is better to sell the fund directly while withdrawing funds. If investors are optimistic about the future development of the fund, they can choose to continue to hold the fund and wait for the follow-up income.
The fund you bought has fallen, will you increase your position?
Generally speaking, after the fund falls, you can choose to add positions. The main reasons are as follows:
1. When the fund falls, you can diversify the cost of the fund you bought at a high level by choosing to add positions, so as to turn losses into profits. If you don't add positions, it may take a long time for the fund to rise back.
2. If we choose to invest in the fund, we will add positions at a fixed time no matter whether the fund is down or up. It's just that we can choose smart fixed investment, buy more when it falls, and buy less when it rises.
3. After the fund falls, the net value of the fund will be lower, the transaction cost will be lower, and we can buy more fund shares with the same money. At this time, the chances of adding positions to make money will be relatively greater.
Will you choose to add positions when the fund you buy falls? Under normal circumstances, we choose to add positions, because the benefits of adding positions are greater, but we should also judge the degree of risk of the fund to see if it is possible to be closed. If the fund is liquidated, there is no possibility of turning back. Secondly, when we choose to add positions, we should not choose to buy them all at once, because we can't judge whether the fund will continue to fall and whether it has bottomed out. If the fund still falls by half, we will buy it all at once and then continue to fall, then our losses will be even greater.
We can add positions in bulk. For example, after the fund falls 10%, we will increase the position, and after the fund falls by 20%, we will increase the position. This can reduce the cost of holding positions, and we are getting closer to the opportunity of rebound, so when the fund rebounds, our expected income will be even greater.
Can the fund increase its position when it goes up?
When the fund rises, you can choose to add positions, or you can choose not to add positions, which should be judged according to the following points:
1. Look at the valuation of the fund. If the fund is overvalued, then it is best not to choose jiacang.
2. According to the historical performance of the fund, judge whether it has reached a peak of the fund's rise. If it has reached the peak according to history, it is best not to add positions at this time.
3. Look at the rising trend of the fund, that is, the trend change of the theme. If the upward trend is obvious, you can consider adding positions.
When the fund rises, the net value of the fund is higher, which leads to higher subscription cost and greater risk, so generally speaking, it is not appropriate to add positions when the fund rises. If you need to add positions, you can add positions in a decreasing way in batches, such as the first 500, the second 400 and the third 300, so that the decreasing amount can reduce our risk to some extent.
How to choose a good fund
1, select fund companies
Look at the ranking and rating of fund companies first, and then look at the investment style of fund companies. We can analyze the income by looking at the products of fund companies. If the investment style is radical, focusing on the pursuit of income, we should consider our own risk tolerance.
2. Choose a good fund manager
The first is to look at the historical performance of the fund manager, whether the fund manager has worked in the fund company for a long time, whether the performance belongs to stable growth, investment ability, return on employment, maximum retreat and so on.
Secondly, the investment philosophy of fund managers. Some fund managers' investment ideas tend to pursue income, so the fluctuation of funds may be relatively large, and investors should consider their own affordability.
3. consider the size of the fund
Generally speaking, it is enough to choose a moderate fund size. If the scale of the fund is too small, when the market is not good, the fund will continue to fall to a certain value, and it will go bankrupt and be liquidated, and there is a risk of liquidation.
However, it is not good for the fund to be too large, because the fund manager is not good at changing positions and management, so everyone should consider many aspects when choosing the fund size.