How to determine the fund subscription price? For everyone who just started to buy a fund, everything about the fund is still very strange and needs some knowledge acquisition. Therefore, Bian Xiao sorted out the matters that should be paid attention to in fund investment, hoping to help everyone.
What should investment funds pay attention to?
Know your investment objectives and risk tolerance: Before choosing a fund, know your investment objectives and risk tolerance, and determine whether you are pursuing stable income or high risk and high return. Choose appropriate fund types according to your own situation, such as stock funds, bond funds and hybrid funds.
Choose the right fund company and fund manager: the strength of fund company and the professional level of fund manager have an important influence on the performance of the fund. Understand the historical performance, management scale and research team of fund companies, and choose companies with good reputation and strong professional strength. At the same time, study the background and past performance of fund managers to find out whether their investment styles and strategies meet expectations.
Diversification of investment risks: Diversification of investment is an effective way to reduce risks. Don't invest all your money in one fund, but spread your risk by investing in many different types of funds. Funds from different industries, regions and asset classes can be selected for allocation, so as to realize reasonable dispersion of funds.
Pay attention to the cost of the fund: the cost of the fund is an important cost of investment income. We should carefully understand the management fee, custody fee, sales service fee and other expenses of this fund and compare it with other similar funds. Choose funds with lower fees to reduce the impact on investment returns.
Regularly adjust and review the portfolio: the portfolio should be adjusted regularly according to market conditions and personal risk preferences. When adjusting, we should carefully analyze the performance and prospects of the fund and the changes in the market, and maintain a reasonable risk distribution and income expectation of the portfolio.
Pay attention to market risk and market fluctuation: there are risks in both stock market and bond market, so we need to be alert to market fluctuation. Understand market trends and economic changes, adjust investment strategies in time, and control risks.
Read the fund contract and manual carefully: before investing, read the fund contract, prospectus and product manual carefully to understand the investment scope, investment strategy, operation mechanism and risk warning of the fund. Ensure a comprehensive understanding and accurate expectation of investment products.
How to determine the fund subscription price?
The buying price of on-site funds is determined according to the real-time transaction price. The subscription and redemption of OTC funds before 15: 00 are calculated according to the net value of the fund on the current day, and the subscription and redemption after 15:00 are calculated according to the net value of the next trading day.
The net value of off-exchange funds on the day of successful purchase and redemption will be announced on the next trading day. For the same fund (generally referred to as Shanghai Stock Exchange Fund and LOF Fund), there is no difference between the net value of on-site subscription and off-site subscription.
When should I calculate the money when I buy a fund?
If the fund is purchased before 3 pm on the day of purchase, the fund price is calculated according to the closing price of the day.
If the time of fund subscription is after 3 pm on the trading day, then it needs to be calculated according to the closing price of the next day.
If you buy a fund on holidays, you will postpone it. For example, if you buy a fund after 3 pm on Saturday, the fund price will be calculated according to the closing price next Monday.
Is the purchase price today's price or the confirmed price?
Rules for buying OTC open-end funds: if you buy before 3 pm on the trading day, you will complete the settlement according to the net value of the fund on that day; If it is after three o'clock in the afternoon, confirm the share according to the net fund value of the next trading day.
Matters needing attention in investment funds:
1. Pay attention to the size of the fund. It is recommended to avoid relatively small funds. Generally, the scale of more than 500 million is more appropriate.
2. Actively managed funds mainly look at the fund manager to understand the fund manager's past performance, service life and historical maximum retreat.
3. Pay attention to the investment scope and performance benchmark of the fund;
4. When the short-term net value of the long-term fixed investment fund fluctuates, it is suggested to pay more attention to understand the reasons for the fluctuation and then carry out corresponding operations.