Funds are similar to stocks, but they are different from stocks. Funds are less risky than stocks, and many funds invest in stocks. When buying a fund, many people are confused because they don't know what kind of fund to buy. Let's see which type of fund is best analyzed. I hope it will help everyone!
What kind of fund is the best to buy?
If the pursuit of security, the income requirements are not high, buy money funds, because there is basically no loss. If you pursue high returns and are not afraid of risks, I suggest you buy stock funds. If you are afraid of big risks and want high returns, you will buy a bond fund, which has the probability of losing money.
What kind of fund is best analyzed?
1 money fund: fund products that mainly invest in low-risk and high-liquidity financial instruments such as short-term bonds, central bank bills and bank deposits. The financial investment products purchased by such funds are mostly short-term money market instruments within one year.
2 Bond fund: refers to a fund that specializes in investing in bonds. It manages the portfolio investment of bonds by concentrating the funds of many investors and seeks relatively stable returns. According to the classification standard of China Securities Regulatory Commission, more than 80% of the fund assets are invested in bonds.
3 Equity funds: Equity funds, also known as equity funds, refer to funds that mainly invest in the stock market, accounting for more than 80% of stock investment. To put it simply, fund companies raise investors' funds and then buy stocks, so they own part of the shares of listed companies, and investors indirectly own part of the shares of listed companies.
Hybrid fund: hybrid funds are tool for investing in stocks, bonds and money market. According to the difference of asset investment ratio and investment strategy, hybrid funds are divided into partial stock funds, partial debt funds, balanced funds and allocation funds. Generally speaking, partial stock funds have higher risks and higher expected returns; The risk of partial debt fund is low and the expected rate of return is low; Equity-debt balance fund has moderate risk and return.
What kind of fund is a good fund?
1. Funds with good historical performance: The higher the historical performance of the fund, the higher the return on investment of the fund.
2. Funds with small maximum retracement: retracement refers to the range from the highest to the lowest net value of the fund within a period of time, and the lower the maximum retracement of the fund, the better.
3. Funds with high Morningstar rating: The value of Morningstar rating is mainly reflected in professionalism and research. The higher the fund rating, the better for the fund.
4. Funds managed by star fund managers: Fund managers are the most important factor in fund returns. The investment level of fund managers is good, and the higher the expected income, the better the performance of star fund managers.
5. Funds with a large Sharp ratio: The Sharp ratio measures the return of the fund's relatively risk-free interest rate. The greater the Sharp ratio, the higher the risk the fund can bear.
What kind of fund is best analyzed?
1, industry. Try to choose sunrise industry and steady industry, pay more attention to news consultation and find relevant funds.
2. Fund manager. Fund managers who work long hours are experienced and have more strategies to deal with market ups and downs.
3. Fund size. Fund companies tend to give more resources to large-scale funds, so funds have more advantages.
4. Fund companies. Fund companies with reliable reputation and large scale are preferred, with guaranteed services and strong investment and risk control capabilities.
5. Maximum retreat. The smaller the maximum withdrawal, the more it is worth buying. The larger the maximum withdrawal, the more dangerous the fund is.
What kind of fund should I buy?
There are many kinds of funds. As an entry-level investor, you only need to know the simplest classification below. According to the different investment objects, it can be generally divided into the following categories:
1, equity fund
A fund with stocks as its main investment variety means that more than 60% of fund assets are invested in stocks. The advantage of this kind of fund is that it can make investors gain greater long-term capital appreciation.
2. Bond funds
A fund company with bonds as its main investment target means that more than 80% of the fund assets are invested in fixed-income products such as government bonds and corporate bonds, which is suitable for more stable or conservative investors.
3. Hybrid funds
Investing in stocks, bonds and money market instruments, but the ratio of stock investment to bond investment does not meet the requirements of stock funds and bond funds, is a hybrid fund. Because such funds invest their funds in various trading varieties according to a certain proportion, they can effectively spread investment risks.
4. Monetary funds
Money funds mainly invest in short-term financial products with high security, such as bonds, central bank bills, repurchase, etc. , also known as "quasi-savings products", usually has the characteristics of "quasi-savings" with high security, high liquidity and stable income, and mainly focuses on stable income investment.
What kind of fund should I buy?
Investment funds should grasp investment varieties according to market conditions. In different market environments, it is good for different types of funds. Therefore, it is difficult to accurately locate the type of fund investment. But in the long run, investors can choose relatively low-risk fund varieties to hold for a long time. Funds with relatively low risks are: money funds and bond funds.
1, Monetary Fund
Monetary funds mainly invest in short-term wealth management products with high security, such as bonds and central bank bills. They are also called "quasi-savings products". Their main features are "worry-free principal, convenient demand, regular income, daily income and monthly dividend". They have no interest tax and can be redeemed at any time. Generally, it can be received the next day after applying for redemption, which is very suitable for people who pursue low risk, high liquidity and stable income.
2. Bond funds
Bond is a kind of fixed-income securities, and the income of fund investment in bonds mainly comes from two parts, one is the interest part after the bond expires, and the other is to earn the bid-ask spread through the rise and fall of the bond face price. The face value of bonds is greatly influenced by interest rates, especially bonds with fixed interest rates. When the market interest rate rises, the bond price will fall, and vice versa.
When choosing a bond fund, we must know its interest rate fluctuation degree and credit degree. On this basis, we can understand how high the risk of the fund is and whether it meets your investment needs. The rise and fall of bond prices is inversely proportional to the rise and fall of interest rates. When interest rates rise, bond prices fall. To know the changes of bond prices and how the net asset value of bond funds affects the fluctuation of interest rates, the duration can be measured as an indicator.