Generally speaking, isn't the correct posture after buying a fund to do nothing and honestly hold it for a long time? I believe many citizens also have such confusion. What should they do after buying the fund? Today, Bian Xiao will share with you whether to open the fund or stare at it every day, for reference only!

After buying the fund, let go or stare at it every day.

What investors mean by "letting go" may be to ask, is it necessary to stare at the trend of the fund's net value every day? In fact, there is really no need to look at the net value of the fund every day, once a week or two, or once a month. Because after you buy a fund, you will definitely know enough about the style of the fund and the heavy stocks. It is easy to chase up and down every day and make irrational investment behavior.

1, investment is to liberate life and release time.

We often say that "managing money is managing life" and "buying a fund is looking for a schoolmaster to help us manage money with a small amount of money", all of which are aimed at liberating our lives, freeing our own time, and giving ourselves more time to enjoy life and spend with our families.

When you start buying funds, choose products that you trust. After choosing, trust him. As the saying goes, "If you don't buy a suspect, you won't doubt it after you buy it."

2. Investment needs to be based on the long-term and focus on the future.

Many friends, eager to buy a fund today, expect 1 week, 1 month, and get benefits immediately in three months. Investment is about the future. Funds that rise much today do not mean that they will rise much tomorrow, and funds that fall much today do not mean that they will continue to fall tomorrow. We need to give each other some time.

The fund manager's strategy of opening positions, plate rotation and net value rise and fall will take some time to reflect. To invest in a house, you have to pay the down payment first, then hand over the house, and then decorate it. It takes several years to buy and sell it. Investing in shops, doing business, paying rent, hiring people, taking time to make reputation and attract people, will take several years. Why don't you have the patience to invest in a fund 1 year or even 3 months?

Share a word: it is a problem to look at it with a magnifying glass; If you look through a telescope, everything will pass. The most inspiring and emotional things are often short-term negatives. If you pay too much attention to the short term, you will think it is a problem; If you take a long-term view, you will find that everything will pass.

What should I do after buying a fund?

However, the so-called "letting go" is not really three years and five years, but a regular review of fund investment style, positions, heavy stocks and fund managers.

1. Monitor whether the fund style is "drifting"

After purchasing the fund, we need to pay attention to the investment strategy of the fund regularly, and the investment strategy will be explained in the quarterly report of the fund. Including the manager's investment strategy and operation analysis of the fund, as well as the prospect of macro-economy, securities market and industry trends.

In this way, we can not only clearly understand the fund's investment ideas, as well as the analysis of the market and the allocation strategy of the industry, as a reference for our own investment, but also test whether the fund manager's remarks and judgments are consistent with the actual operation.

For example, you have been optimistic about buying related theme funds in a certain sector or industry. Investors should check the quarterly and annual reports of the fund from time to time, or track the changes in the net value of the fund when the sector rises and falls, so as to judge whether the investment ideas and asset allocation of the fund manager have "drifted".

It is understood that in the process of fund investment management, the so-called "style drift" often occurs, especially in the bull market. In order to improve performance, the fund position or investment strategy will be different from the fund prospectus.

It is recommended to check once every three months. You can probably see the investment ideas of a fund. After holding it for 3 months, listen to your inner feelings. Are you happy, depressed or speechless with this product? Often your heart will guide you to make the next choice, not what the outside media say.

2. Pay attention to the dynamics of awkward stocks.

Real-time monitoring of heavyweights is also a necessary lesson. The top ten positions of the fund will be disclosed in the regular report of the general fund. Combined with the changes in the net value of the fund, we can get a general understanding of some positions of the fund. When there is a suspension of trading and a major black swan event in its heavy stocks, investors can make decisions such as temporary redemption as appropriate to avoid risks.

In addition, it is also important to pay attention to the structure and changes of fund holders, which is one of the factors affecting the stability of funds. Especially in hybrid funds and bond funds, institutional investors account for a relatively high proportion, and once large-scale redemption occurs, it will have a relatively adverse impact on the investment operation of funds.

Investors can check according to the market situation and see the performance of holding funds when the index fluctuates more than 3%. Is it more or less or more or less? Observe it several times in a row, and you will have new choices.

3. Pay attention to the trend of fund managers.

At present, there are more and more public offerings, and there are more and more fund managers changing, which requires special attention. The ability of fund managers to select stocks and manage portfolios directly determines the performance of funds, so there is a saying that "buying a fund is buying a fund manager". I believe that many investors buy funds and go straight to star fund managers.

Fund managers change jobs frequently, so it is best to add their own choices after buying funds in order to pay attention to the fund dynamics in real time. If the fund manager suddenly announces the recruitment of fund managers, from one person to two or more people, we should pay special attention to it, which is very likely to be a harbinger of the fund manager's departure. Relatively speaking, the change of fund manager has little impact on passive products such as index funds, while once the fund manager of active management products changes, it has a great impact on its investment style and product performance, and the basic people should consider whether to redeem it according to the relevant situation.

In fact, financial management is to manage life and make some reserves for the future. Since it is for the future, don't stare at it every day. Fluctuation will affect mood, mood will affect judgment, judgment will affect decision-making, and irrational decision-making will affect final income.

In short, after buying a fund, you can't manage too much, but you can't let it go. You must know what you need to pay attention to, take care of it regularly, and take care of the fund like planting crops, and there will be a good harvest.

The meaning of fund

Funds can be divided into broad sense and narrow sense. Broadly speaking, they refer to a certain amount of funds set up for a certain purpose, such as trust and investment funds, provident funds, retirement funds and so on. In a narrow sense, they refer to funds with specific purposes and uses. Usually, funds mainly refer to securities investment funds. The income of securities investment funds comes from the future, and the performance of the income is inseparable from the performance of the investment target market, which has certain risks.

Articles related to purchasing funds:

★202 1 You won't lose everything if you buy foundation.

★ When is the best time to buy funds?

★ Four common ways to buy funds

★202 1 What are the risks for beginners to buy funds?

★202 1 100000 How much do you earn a year by buying funds?

★ Reading Skills of Annual Report of Securities Investment Fund and Knowledge Fund

★ What is the difference between buying 202 1 fund before 3 o'clock and buying it after 3 o'clock?

★ What are the key points for investors to buy funds?

★202 1 Why do most people who buy funds lose money?