At present, the fund as a financial management tool has been accepted by most people. But at the same time, investors should also learn some basic knowledge about funds before investing, so as to make their investment more rational and effective. Only by mastering the following eight methods can we truly achieve the goal of obtaining higher returns and avoiding systemic risks in the market.

Method 1: portfolio investment and risk diversification. Many people think that investment funds only invest in stock funds. In fact, funds are not only stock funds, but also partial stock funds, bond funds and monetary funds. The investment direction and risks of these funds are completely different. Investors should make portfolio investments in funds according to their risk preferences and liquidity needs.

Method 2: Strengthen research and choose funds. Although in theory, fixed investment funds can obtain expected annualized expected returns, different investments have different expected annualized expected returns. Take 20 12 equity funds and partial stock funds as examples. The average return rate of the funds with the highest expected annualized return on investment 15 is 35%. The average expected annualized expected return of 15 fund is -25%. Therefore, it is very important to choose good funds and fund companies. I suggest that you don't choose the top ten funds, and choose the old-fashioned funds that have not fluctuated much in the past two or three years and can give investors stable dividends.

Method 3: invest at the right time and hold it for a long time. Different from stocks, fixed investment funds can be used for short-term investment, but funds are long-term investment varieties, and only by holding them for a long time can they obtain rich expected annualized expected returns. However, the timing of choosing a fixed investment fund is very important. Many citizens tend to start fixed investment funds at the end of the bull market and give up fixed investment in the bottom area of the bear market. This will cause great losses to the citizens. Therefore, the basic people should add a fixed investment share in the bottom area of the bear market and continue to invest in the top area of the bull market to ensure the fruits of victory.

Method 4: invest wisely, every little makes a mickle. For many young moonlight families, it is more suitable for fixed investment funds, because the investment threshold of funds is low. If you save 500 yuan investment fund every month when you are young, you can get a lot of returns when you are old.

Method 5: Choose regularly and change the base appropriately. After investing in the fund for a period of time, the basic people will always take stock of the expected annualized expected return of the investment. If they find that the expected annualized expected return of stock funds is not ideal in a bear market, they want to replace bond funds to avoid systemic risks. If investors choose a fund company with a good reputation, they may give priority to changing the bond fund of the same fund company, because the conversion of stocks and bond funds of the same fund company is free of charge. Of course, you can't give up better investment opportunities because you want to save money.

Method 6: Use compound interest skillfully to benefit the bull market. If the fund operates in a bull market environment for a period of time, its net value will inevitably rise. At this time, some fund companies will consider giving dividends to investors. There are two ways to pay dividends, cash dividends and dividend reinvestment. I suggest that if you choose dividend reinvestment in the early and middle stages of a bull market, you will enjoy a higher expected annualized return on investment. However, in a bear market, it is wise to wait for reinvestment in the bottom area with cash in hand.

Method 7: diversify investment and avoid risks. As we all know, equity funds are risky, while bond funds and monetary funds are relatively risky, and bond funds often perform well when equity funds perform poorly. Therefore, it is particularly important to reasonably arrange the proportion of stock funds, bond funds and monetary funds in your fixed investment basket. It is suggested that people who have just started to make fixed investment can allocate their fixed investment funds as follows: stock funds account for 40% of the fixed investment share, bond funds account for 40%, and monetary funds account for 20%. In the future, the proportion can be adjusted in time according to the situation of the stock market to avoid investment risks and obtain satisfactory expected annualized expected returns.

Method 8: Improve your ability and make good use of opportunities. Many investors often choose to invest at the end of the bull market, indicating that the financial management ability of the people needs to be improved. Basic people should not only improve their psychological endurance, but also learn and master the basic judgment ability of the general trend. For example, the basic people often like to add fixed investment at the end of the bull market and give up fixed investment at the bottom of the bear market, which may lead to unnecessary fixed investment losses. Generally speaking, the current fund companies are "emphasizing stock selection and neglecting timing", so it is particularly important for the citizens to learn to grasp the timing of fixed investment and redemption.