When buying a fund, some novices don't know how to choose a good fund, so they will be very confused. So which fund is cost-effective? So today, Bian Xiao is here to sort out the relevant knowledge of the fund for everyone. Let's have a look!
Which fund do you usually choose to buy?
There are many different types of funds, and the benefits and risks represented by different types are relatively small, so which one is more cost-effective, we should analyze it from our own needs. For example, if you don't want to take great risks, consider money funds or pure debt funds, and if you want to pursue high returns, consider high-risk fund types.
However, it should be noted that both high-risk and low-risk funds are risky, that is to say, financial management is not equal to time deposits, and it is impossible to protect the principal and interest, so you should choose carefully when buying.
Because novices generally don't know much about funds, it is not recommended to choose high-risk funds at the initial stage. You can consider more low-risk money funds or pure debt funds. You can accumulate experience and learn more about the fund first, and then consider high-risk fund types after fully understanding the fund.
When choosing a fund, you can give priority to larger funds, but not too big. It is better to choose a good fund manager. Because funds are managed by fund managers, it is very important to choose a good fund manager.
When is a good time to sell funds?
When buying a fund, it is better to sell it without a specific month. Buying a fund is mainly to make a difference. As long as you make money, you can sell it, but only if the cost of selling includes offset handling fees. Some investors buy and sell funds, and there are also cases where they lose fees because of intraday trading.
When buying a fund, you can refer to the fund's heavy stocks and past earnings to judge. If the income earned by the fund is relatively high, you can sell the fund and let the fund's money fall into the bag.
When is the right time to sell the fund?
Generally speaking, when selling a fund, there is a method called target take profit, which is to set a take profit point, such as setting a 50% take profit point. When the fund income reaches 50%, it will be collected as soon as possible and redeemed in full.
Buying and selling funds, many people are prone to losses, just like chasing up and down. When buying a fund, remember not to chase up and down. You have to buy low and sell high to make money. If you buy at a high level and sell at a low level, you will lose money.
Can investment funds achieve a return of more than 10%?
Whether an investment fund can earn more than 10% depends on the time and fund type. Generally speaking, high-risk fund types may achieve a return of 10%, but like money funds or pure debt funds, the annualized return is rarely 10%.
Therefore, to buy a fund, we should not only pay attention to the income, but also pay attention to its risks. If you can't bear great risks, then don't choose high-risk fund varieties, you can consider low-risk fund varieties.
Is the return of investment funds greater than 10%?
It is normal for investment funds to earn 10%, neither more nor less. Investment funds mainly look at long-term returns. If the fund rises by 10% a week, it is actually a relatively large increase. If it rises by 65,438+00% a year, the income is actually average.
Investment funds should not only look at the single income, but also refer to the past income of the fund. If you have already purchased the fund, you need to analyze whether the fund is likely to rise, whether it will make money later, and then decide whether to hold it or redeem it.
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