Today, let's learn about the rate of return of equity funds.
Short-term investment return of stock funds that ordinary investors think.
Most investors have not been exposed to fund equity funds for a long time. In addition, due to the influence of various explosive fund information on the Internet (after all, the fund's income is always doubled in publicity), the more investors expect the fund's return on investment.
Suppose an investor just bought a partial stock fund two years ago and has held it ever since. What is the rate of return?
According to Wind's statistics, the total return of partial-share hybrid fund index in recent two years is over 44% (the statistical range is 20181month to 2020 1 1 month).
From the data point of view, it seems reasonable for us to expect our stock funds to earn 50% a year. After all, it is a little higher than the average. If you choose another good fund, you can earn 50%.
Therefore, looking at these data alone, most investors expect too much from equity funds. Why is this too high an expectation?
In fact, expected return is a relative concept, there is no absolute standard, and it may even vary from time to time in the short term.
But when we return to the long term, what kind of long-term annualized income expectation can better obtain the real return of fund investment?
What kind of income expectation is reasonable?
Social security fund is called the strongest investor. The annual report on the entrusted operation of the basic endowment insurance fund issued by the National Social Security Fund Council in 2020 shows that the return on equity investment of social security funds in 20 19 may not be as bright as the overall market performance of partial stock funds in the same period, or even quite different, which seems to be "mediocre" in the new year of equity investment.
However, from the perspective of long-term investment, the investment performance of social security funds is quite outstanding.
If an ordinary investor can reach this level of income for a long time, it is still very good.
Statistics show that in the past 20 years, the annualized income of the overall investment of social security funds has been around 8%, and there have been losses in only two years during the statistical period, namely, the Shanghai Composite Index fell in the same period in 2008 and the Shanghai Composite Index fell in 20 18. Even in the weak market environment of unilateral decline, we can't lose money or lose a lot.
It can be seen that the social security fund can realize 8% annualized income for a long time under the condition of very effective risk control.
According to the two key data of social security fund, I think most investors should know how to manage their income expectations.
Prerequisites for long-term income stability
It should also be noted here that if you want to obtain the income level of the social security fund, you'd better do the following:
The first is asset allocation to ensure the balance between various assets. The assets it holds are various and have little correlation with each other.
Followed by long-term investment, it will not be operated frequently. If you are optimistic about a fund, you should be prepared to hold it for a long time. .
Third, professional people do professional things. If there is no way to ensure that you have the ability to select high-quality fund targets, you should either choose to study more or trust professional institutions, such as seeking the help of fund investment, or follow up the fund portfolio investment of various institutions. Institutions will invest according to their own professional fields.
I hope the above contents are helpful to you.