You can't control the sudden changes in the market, and you can't control the investment operation of the money fund, but you can control the expenses. Today, I will take you to fully consider the cost of fund investment from the following five aspects.
First, the cost of the fund purchase price.
The net value of different fund products is different, which determines the price difference and directly affects the purchase cost of investors.
Second, the cost of fund entry opportunity.
In different market environments, the purchase cost of funds at different investment opportunities is completely different. The cost of buying a fund at market highs and lows is completely different, even if it is the same fund product.
Third, the basic cost of the fund.
Different fund products adopt different investment strategies and asset allocation characteristics. This potential investment cost can not be ignored by investors, and it is also an important factor to determine whether the growth of a fund can effectively compensate the fund cost.
Fourth, the time cost of fund investment.
The fund manager's ability to manage and operate the fund directly determines the growth rate of the fund's net value. If the net value of the fund grows slowly, the income of the fund will be affected, and the time cost of investors holding the fund will be extended to a certain extent.
Verb (abbreviation of verb) Fund's Innovation Cost
It can be said that this is a kind of cost that investors easily ignore, which is mainly manifested in the change of investment cost brought about by the innovation of fund managers in fund product trading system and income distribution, such as the change of fund share brought about by large proportion of fund dividends, copy and split, and the cost of investors' re-selection.