The strategies of individual investment funds mainly include the following:
1. Average cost investment method
Average cost investment method is the most commonly used investment strategy for investors. The average cost refers to the average price of each subscription fund unit. The specific operation method is to invest a fixed amount in a fund every once in a while.
The advantage of adopting this investment strategy is that investors don't have to worry about the fluctuation of fund market price. Usually, the unit price of the fund fluctuates constantly, so investors can buy different shares of the fund with the same amount every time. When the market is depressed, the same amount can buy more fund holders; After the market rises, the same amount can only buy a few fund holders. But on the whole, investors buy more fund shares with the same money than at one time, and the price of fund shares is relatively low.
The average cost investment method actually offsets the influence of fund unit price changes on the number of fund purchase shares and disperses the risk of investors buying funds at high cost. With this strategy, investors can get the same income at a lower average cost or buy more fund holders at the same cost.
When adopting the average cost investment method, investors should follow the following two principles:
(1) There are plans to make long-term investment, so we must continue to invest. Short-term investment generally can't give full play to the advantages of the average cost investment method.
(2) The funds used for investment must be sufficient.
2. Fixed ratio investment method
Fixed proportion investment method refers to investing funds in various funds at a fixed proportion. When the investment ratio changes due to the change of the net asset value of a fund, the investment ratio can be restored by selling or buying the shares of such funds.
The advantage of fixed investment method is that it can keep investors in a low-cost state, keep the money they have earned, and have certain anti-risk ability. When applying this strategy, investors should pay attention to the following points:
(1) This investment law does not apply to the situation that the market continues to rise or fall.
(2) The investment ratio of stock funds and bond funds should be 50/50.
(3) Don't buy at the highest price.
(4) An appropriate trading schedule should be made.
3. Diversified investment methods
Diversified investment risk is one of the biggest characteristics of the fund, and it is also the reason to attract many small investors. Different types of funds have different risks. For example, equity funds are risky; Bond funds and money market funds are less risky; The risk of national debt fund is relatively minimal.
For investors, we must first determine whether they are adventurous, prudent or conservative. Many investors are often not sure what kind of investors they belong to and hesitate in the face of different investment goals. Therefore, for this kind of investors, it is wise to choose the way of diversification, and divide the funds used for investment into several parts and invest them in different types, different risks and different income levels.
Decentralization reduces the investment risk from two aspects: first, the fund itself disperses the investment risk; Second, diversifying investment further reduces risks. But for investors with weak financial strength, don't choose this investment strategy. Because if there are few funds, it is impossible to form a reasonable and diversified investment portfolio, and it is impossible to take into account long-term investment. Investors with less funds should choose a fund with excellent performance as the investment object.