When choosing a fund, don't just look at the short-term income of the fund. Buy the good ones and sell the bad ones.
It is normal for funds to go up and down, especially partial stock hybrid funds. It is normal that the stock market fluctuates and the fund fluctuates accordingly.
If you look at the short-term income of the fund and buy it well, it is likely that this wave of market has really gone up. When you enter the market at a high level, it is likely that the market will level off or repair, and there will be a holding period loss. Once and for all, I didn't make any money and paid a lot of handling fees.
Second, don't be afraid of high net worth funds.
The past year of 2020 was a bumper year for funds. Many funds have achieved substantial performance growth, and the net value of funds has naturally increased a lot. However, most investors are afraid of heights, and even funds with higher net worth than 3 yuan dare not buy them, thinking that if the price is too high, they will definitely fall behind.
There is no room for the net value of the fund to rise, and whether it can rise in the future is not necessarily related to the net value!
Third, when an industry is popular, don't buy it when you see an industry in the name.
There are often some hot industries in the market, such as the technology industry in 2020, which is really hot. Many investors rushed to buy the word "technology" in the name of the fund, fearing to miss this wave of market, but the popularity of the technology theme does not mean that the technology theme fund can skyrocket and make big money.
In 2020, the yield differentiation of science and technology theme funds will be particularly serious, with the highest yield exceeding 9 1% and the lowest yield only 25%.
It is most important to choose comprehensive judgment according to your own needs.