What are the skills of buying funds?
1. Different types of funds have different risk-return characteristics. Investors should choose funds according to their own capital situation, expected income and risk preference. Generally speaking, equity funds and hybrid funds have higher risks and returns, which are suitable for investors with high long-term investment and risk preference, while bond funds and monetary funds have relatively stable returns and are suitable for investors with weak risk tolerance.
2. Pay attention to the subscription rate, redemption rate and management rate of funds, and give priority to funds with lower fees. Generally speaking, the transaction cost of passively managed funds such as index funds is lower than that of active funds.
3. diversify investment. Investors should not invest all their funds in one or several related funds, but should invest in different types, styles and industries to reduce the impact of individual fund risks on the overall portfolio.
What if the fund loses money?
1. Analyze the reasons for the loss. Investors should distinguish whether the loss is a short-term floating loss caused by market fluctuations or a long-term loss caused by poor operation of the fund itself. If it is a short-term market fluctuation, investors can consider continuing to hold or make some low positions. And if the performance of the fund is obviously not as good as other similar funds, you can consider timely stop loss.
2. Stay calm and avoid impulsive trading due to emotional influence. Investors can also adopt long-term investment strategies, such as fixed investment of funds. There will always be fluctuations in the market, and a more stable return can be obtained by holding a fixed investment for a long time.