For example, the position of an educational theme fund is inconsistent with the fund name and fund contract. This kind of "misnomer" can sometimes bring excess returns, and the people are still happy to see it. For example, swarming into the new energy sector this year will bring more benefits to the people than the original theme investment. It is understandable for fund managers to switch positions and exchange shares according to market style.
However, in another case, some investors with clear needs think that they are chasing a style, but because of the drift of the fund manager's style, they miss the industry income by greatly adjusting their positions, and investors chase loneliness and have a very poor investment experience.
Therefore, fund managers should have a clear investment philosophy and invest in their ability circle instead of following the trend. There is uncertainty in the market. If ordinary people buy such a "blind box fund" again, wouldn't it be that uncertainty is superimposed on uncertainty, and what benefits will they take away in the end? Only God knows.
Basic knowledge of funds
1. What is a fund?
A fund is a part of the money you put into a fund company, and the traders of the fund company use your money to invest, usually in the form of stocks. It is also equivalent to paying professionals to buy stocks for you. So it is very important to choose a good fund company. Only when the fund company makes money can you make money.
Funds are the general name of institutional investors, including trust and investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. The existing funds in the securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses.
2. How to calculate the profit and loss?
In other words, the fund company will give you corresponding dividends according to the number of shares you buy and the difference between the net value of the unit on that day and the net value on the redemption date. If you lose money, you should also share the loss with the difference between the number of shares subscribed and the net value.
3. Other expenses
A certain handling fee will be charged at the time of subscription, generally 0.0 12 per share, and 0.005 at the time of redemption. For example, if the unit net value on the purchase day is 1 yuan, and you buy 10000 shares (one * * is 10000 yuan), then one * * needs to pay 654300 yuan. If you use online banking, there will be a corresponding discount, and the handling fee is about 1 10. The fees charged by different banks are different.