Time goes by, but don't lose heart. The following small series will tell you what the fund should buy every year and how to buy it to make money.
200 1 year fund investment. Now that the Shanghai and Shenzhen 300 Index has blown, can it be repaired?
The old class reminds everyone that the fixed investment of the fund that has been set will not be affected by the fuse. For example, if you make a fixed investment today, the fund company has deducted the money in advance in the morning, so it is still confirmed according to today's net value, so don't worry. Here reflects the benefits of fool-like fixed investment, automatic deduction on time; If you make a fixed investment manually, you may not be able to buy it because you stop trading when the market plummets, so I suggest you make a fixed investment in advance and stick to it.
Fixed investment within 2000 yuan per month: 2-3 funds can be selected for fixed investment, with risk diversification as the main goal. Investors with certain fund screening ability can choose the matching mode of two indexes+1 mixed funds, while Xiaobai without screening ability can choose three different index funds, and the specific indexes can also be selected from the Shanghai and Shenzhen 300, CSI 500 and GEM indexes. In addition, those who are interested in or have research ability in theme index funds can also invest in theme index funds, such as medical index and military industry index;
Fixed investment of more than 2,000 yuan per month: On the basis of the fixed investment of 2-3 domestic funds just now, QDII funds can be considered to further diversify the risks in the domestic stock market, such as Nasdaq 100 index or Standard & Poor's 500 index. Here, the old class should especially remind everyone not to think that the more funds are invested, the lower the risk. Studies have shown that when the number of funds in the fund portfolio exceeds 7, the role of fund diversification is greatly reduced. Therefore, it is recommended that you control the number of fixed investment in the fund within 7.
Annual fund investment II. How to allocate the most suitable fund portfolio for different groups of people?
Allocate funds according to different amounts.
Because everyone's goal, investment period and follow-up investment are different, how many funds to invest in and what funds to invest in are different. The old funds here mainly recommend equity funds, because such funds fluctuate greatly and are very suitable for fixed investment; Of course, if you are risk averse, you can also invest in bond funds. However, bond funds are not as effective as stock funds because of their small fluctuations.
The monthly fixed investment is below 500 yuan: it is not recommended to diversify the investment if you have less money. Pick any index fund, no more than 2. If you can only invest in 1, you can choose the Shanghai and Shenzhen 300 Index Fund; If you choose two, you can choose CSI 300 Index Fund+CSI 500 Index Fund, or CSI 300 Index+GEM Index. However, it is not recommended to invest in Shanghai and Shenzhen 300 and SSE 50 together, because these two indexes are highly correlated and have almost the same trend, which cannot spread risks.
First determine the monthly fixed investment amount.
In fact, it is not difficult to make a fund portfolio, as long as two questions are determined: first, how much to invest each month; Second, throw a few. The standard of 1 is to make a fixed investment with 5% income. For example, if your monthly income is 1000 yuan, 5% is 500 yuan. This standard is more suitable for novices who invest in funds. They know little about fund investment and have no investment experience. It is also suitable for individuals or families with low monthly balance. For example, if you can't make ends meet and spend a lot of money, there is very little money left. Taking only 5% as a fixed investment is equivalent to compulsory savings.
The second criterion is to make a fixed investment with 50% of the monthly balance. For example, if your monthly income is 1000 yuan and your monthly balance is 5000 yuan, then 50% of the balance is 2500 yuan for fixed investment. This standard is suitable for fund investors with certain investment experience. This standard can also be regarded as the standard for fund novices to grow into fund experts. For example, the monthly income is 65438+100000. At first, you didn't understand fund investment, so you only decided to invest in 500 yuan every month. With your study and growth, you can increase the fixed investment to 2500 yuan.