Is it better to buy an old fund or a new one? Many people will struggle when the fund is issued, because they don't know which is better. The following small series will tell you whether the new fund is good or the old fund is good.

The issuance of new funds is always accompanied by all kinds of attractive publicity. Many citizens are often difficult to control, but they can't abandon the old funds that have accompanied them for many years. At this time, they are in a dilemma. Buy a new fund? Or is it better to buy an old fund? Some people say: buy a new fund, a new variety, in order to earn popularity, it will work harder for you than the old fund. Others said: naturally, it is good to buy old funds, and the old funds are safe. You don't know much about the new fund, and there is no previous performance to compare. Buying old funds is still reliable. what can I do? The new fund and the old fund have their own advantages and disadvantages, which one is better to buy? Don't worry, Bian Xiao told you that buying funds depends on the current market.

Simply speaking, fund issuance is mass sale, especially in 2000, which is the general trend of fund issuance. Under the new situation, many fund companies are pouring in, hoping to get a slice of the new fund. However, what about the facts? Many new funds died not long after they were issued, and many funds were forced to change their faces, squeezed into mini funds by old funds, and then died in a wave of liquidation. Moreover, the new fund will be closed for about three months after its establishment, during which it cannot be purchased and redeemed. In the case of a rising stock market, there can be no gains.

First of all, buy a new fund to consider the following points:

1. Does the fund manager have long-term experience in securities investment or fund management?

2. What are the performances of other funds under the fund company?

3. Whether the investment philosophy of the fund manager is consistent with the investment portfolio.

4. Does the fund company pay attention to the interests of investors?

5. The fund size should be moderate and good. If it is too big, it is difficult to operate. If it is too small, its ability to resist risks will be reduced, about 2-3 billion.

In the process of stock market rising, the unit net value of the old fund will rise faster than that of the new fund. New funds are often more suitable for the second half of the bull market, while old funds are more suitable for the cross between bulls and bears. You got it?

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

Therefore, the revelation brought by various facts is that the income difference between the new fund and the old fund is closely related to the market environment and the thinking of fund managers at that time. In addition, from the perspective of product design, new funds are often closest to stage hotspots, characteristics of economic development stages, or industries and investment themes, so they can often lead in the short term. However, if it is required to cross the bull and bear, the fund manager's position control and stock selection ability are more demanding. Before investors buy funds, they should make a comprehensive balance according to market conditions, investment period and other factors.

Generally speaking, as a newly issued new fund, we can only understand its situation through its prospectus, management team and the strength of the fund company, but how it performs needs to be observed. During the stock market turmoil, the new fund has not yet opened a position. According to the regulations, it has a six-month opening period, so that the principal can be protected by extending the opening period and then reinvesting when the market improves. In addition, when the new fund opens a position, it will adopt corresponding investment strategies according to the stock market environment at that time. Therefore, financial analyst Wen Caibao suggested that when the market fluctuates, the prospect is uncertain, and the new fund has obvious advantages in opening positions and the cost of opening positions. In this case, buying excellent new funds can reduce the risk.

Because the old fund has been in operation for some time, it has high transparency and can learn more about its previous investment performance. In addition, because the old fund already has a certain position in the stock market, it can directly gain income when the market rises. Therefore, in the stage of a sharp rise in the stock market, the performance of the old fund will exceed that of the new fund. Because it is a bull market at present, the old funds under construction can make good returns, which is suitable for buying excellent old funds.