Funds can be divided into old funds and new funds according to their issuance time. So, is it better to buy new funds or old funds? Why buy an old fund?

is it better to buy a new fund or an old one?

It is better to buy old funds for the following reasons:

1. The new fund is a fund in the raising period, which has a certain closing period. Generally speaking, its closing period is 3 months, and the specific time is subject to the company's announcement. It cannot be redeemed during the closing period, and it needs to wait for the opening period to redeem; The old fund does not have a closed period, and investors can redeem it after the subscription fund is confirmed. Compared with the new fund, it is easier to redeem it.

2. When investors invest in a new fund, they can only judge the trend according to the operating ability of the fund manager, which is relatively risky. In the old fund, investors can judge the trend of individual stocks according to the operating ability of the fund manager or the historical performance of the fund, which is relatively less risky.

3. The new fund is similar to the new shares, and its net value fluctuates greatly, and the trend is not very stable. There will be a sharp rise and a sharp decline.

4. The new fund can't be redeemed within the closed period. Due to changes in market conditions or the trend of the fund's investment target, it is easy to bring greater losses to investors.

At the same time, when investors buy old funds, they have the following skills:

1. Fixed investment

Investors can choose to make fixed investment in the process of fund decline, and share the cost of holding positions by constantly buying and increasing the holding share, so as to realize the smile curve effect when the fund rebounds.

2. Diversified investment

You can buy more funds, for example, three or four funds, and diversify their risks through diversified investment. It should be noted that each fund cannot be in the same industry or have strong correlation, otherwise it will not play a role in diversifying risks; Reasonable allocation of positions between funds, for funds that are in hot spots in the market, their positions are heavier, but they cannot exceed 5% of the positions.