There are many uncertainties in stock fund investment. When risks appear, investors should consider transferring funds to low-risk money funds for hedging. Compared with other products, the money fund has the advantages of low risk, strong certainty of income and high liquidity. The following is the method of how to manage funds compiled by Bian Xiao. I hope it helps you. Welcome to read the reference study!
How should the fund manage its finances?
Set clear investment objectives: Before conducting fund financing, you must first make clear your investment objectives, such as long-term wealth accumulation, education fund reserve, retirement reserve, etc. Clear goals can help you choose the right fund products and make corresponding investment plans.
Diversified investment: Diversified investment is an important strategy to reduce risks. By dispersing funds to different funds, different asset classes and regions, the risk of specific investment can be reduced and the income can grow steadily.
Regular fixed investment: Regular fixed investment is a common strategy for fund financing. Regular monthly investment of a fixed amount can evenly disperse market fluctuations and gradually establish a portfolio. Regular fixed investment can also take advantage of the long-term trend of the market and the compound interest effect to maximize long-term income.
The embodiment of the important skills of fund financing
Re-evaluation and rebalancing on a regular basis: Re-evaluation and rebalancing on a regular basis is an important link to keep the portfolio healthy and balanced. According to market fluctuations and changes in investment objectives, the investment portfolio can be adjusted in time to maintain appropriate asset allocation.
Evaluation of fund managers and fund companies: Understanding the performance records of fund managers, the reputation and management ability of fund companies is the key to selecting suitable funds. Pay attention to the performance, cost level, risk management and other indicators of the fund, and evaluate the investment value and potential of the fund.
Long-term investment: Fund investment is a long-term process. Long-term holding can benefit from the long-term trend of the market and the compound interest effect. Avoiding intraday trading and maintaining the stability and continuity of investment are conducive to maximizing long-term returns.
Learning and professional advice: continuous learning and acquisition of relevant knowledge is the foundation of success. Paying attention to market trends, economic trends and investment strategies, and getting appropriate advice from professionals or financial advisers will help improve financial management skills and investment decision-making level.
It should be noted that investment funds are still risky, including market risk, capital risk and liquidity risk. In fund financing, we should formulate appropriate strategies according to our investment objectives and risk tolerance, and fully understand the characteristics and risks of fund products. At the same time, different market environments and personal situations also need to flexibly adjust investment strategies.
Classification and difference of funds
Funds can be divided into stock funds, bond funds, monetary funds and hybrid funds according to different investment objects. These are several common types of funds. In addition, there is a QDII fund.
The differences between these funds are mainly reflected in two aspects: one is the different investment objects, and the other is the different investment risks. Among them, equity funds have the highest risk and mainly invest in the stock market; Hybrid fund sharing second, the investment direction includes stocks, bonds and money market tools; The risk of bond funds and money funds is much lower, in which bond funds are financial instruments that invest in fixed income such as government bonds and financial bonds, while money funds are used to invest in money markets.
Methods of purchasing funds
1 subscription: the fund subscribes before the working day 15, and the profit and loss are calculated on the second working day. After 15, you can inquire about the profit and loss on the third working day.
2 Subscription: For subscribed funds, the profit and loss can only be seen in the closing period after the end of the raising period. The raising period and the storage period are generally 1-3 months.
3 buy: after buying the fund, you can check the profit and loss on the spot.
What's the difference between subscription, subscription and purchase? Subscription refers to the daily investment of OTC funds, and buying refers to the investment in listed funds. Subscription is to invest in new fund shares, and there will be a subscription period for both off-exchange funds and on-site funds.
Fund purchase skills
First, seize the opportunity to properly bargain-hunting.
When the stock market is at the bottom and the cost of buying stock funds is relatively low, investors should make up their positions appropriately and actively carry out fund bargain hunting. Of course, there are conditions for fund bargain-hunting. We should not only choose a relatively low historical point, but also examine whether economic fundamentals, national policies, reform direction and other factors are favorable.
Second, transfer funds to the money fund to effectively avoid risks.
Third, stick to long-term investment and resist short-term fluctuations.
Many investors tend to enter at a high point and sell at a low point. Successful investors can invest rationally, set up long-term investment plans and overcome short-term fluctuations. It is normal for fund investment to fluctuate with the stock market. In the case of judging the long-term trend, it is the best choice for investors to insist on long-term investment, so as to have the last laugh.
Fourth, avoid excessive frequent operations and reduce transaction costs.
Many fund investors like to invest repeatedly in band mode in order to obtain short-term income. However, the fund is not an investment tool suitable for frequent operation, and intraday trading may miss investment opportunities, and at the same time, it will greatly remind the transaction cost.
Five, adhere to the fund fixed investment, reduce the average cost.
The fixed investment of the fund can effectively average the investment cost and make long-term investment. Suitable for children's education, specific consumption plans, pension planning, etc. Fixed investment is not only suitable for young people in the stage of wealth accumulation, but also very suitable for middle and high-end investors who need wealth allocation.