It is no exaggeration to say that in 2020, one of the hottest financial management projects of the fund in recent two years, many people made a fortune, which made many people buy funds or prepare to enter the market. It is really "not buying a fund, but on the way to buy a fund". Previously, the fund has experienced a round of withdrawal, which is generally at a low level. High-quality funds have the opportunity to bargain-hunting, but there is no way to make money when entering the market. On the other hand, some of the most basic general laws are still very suitable for financial management.
1, don't be greedy, be patient.
Many people are thinking about how to make a lot of money before they start to manage their finances. Obviously, this mentality is not desirable, especially for funds. In fact, it is more suitable for long-term investment, because the probability of obtaining income will be higher, rather than entering the market today and making a big profit tomorrow. In other words, the fund itself is not a speculative tool to make quick money, but a long-term investment channel. So if you invest in a fund, try not to touch it for half a year. Because a return cycle of fund investment usually takes more than half a year, especially those funds with higher expected returns, there will be a probability of loss within half a year, but if you survive half a year, you will see great potential for income.
If you want to spend half a year's money, it is not recommended to buy medium and high-risk funds or closed-end funds. It is suggested to choose a money fund with low risk and high liquidity. But the expected return will naturally be less, because the yield of money funds is basically around 3%, or even 2%.
2. Never ignore the experience of fund managers.
Choosing a fund actually depends largely on which fund manager to choose. For Xiao Bai, who has little experience in financial management, priority is given to those funds managed by fund managers who are "household names", experienced and make money stably for a long time in a broad base circle. If you choose according to the quantitative standard and choose more than 5 years of experience, the annualized rate of return will be more than 15%. Of course, on the other hand, these two funds. For example, if you have worked for 10 years or more, especially for 15 years or more, you have experienced two bull-bear transitions, and the world you have seen will be bigger. Therefore, don't ignore the experience of fund managers, especially their ability to cope with retracement and weak market.
3. Fixed investment to buy funds.
If a fund wants to make money, it must buy low and sell high. However, sometimes we may not be able to accurately judge when is the best time to buy and when is the best time to sell. Often buy funds, many people are prone to chasing up and down, but also heavy positions, and even "one shuttle" to buy in Man Cang. Obviously, this is the most likely way to lead to losses. On the other hand, the way of fixed investment is to buy in batches and slowly pour water. It can perfectly avoid the disadvantages brought by the wrong timing. Even if you buy at a high level at the beginning, you can spread the cost of holding positions through continuous fixed investment, instead of pretending to sleep or "die" without subsequent "bailout" funds after being quilted.
Although the risk of the fund is less than that of the stock, the fund investment should be treated with caution, because it is not easy to accurately grasp the market trend of the fund. As an ordinary person, let alone forecasting, the safest way is to choose a fixed investment to spread the uncertain risks brought by the unpredictable market.
In fact, the specific method of fixed investment is also very simple and must not be complicated. It depends on how much money is invested and how long it will take. For example, if you invest 1 .20,000 in three months, then you will invest 40,000 each month, divided into four weeks, and invest110,000 every week.
4. It is very important to take profit reasonably.
Fourth, and most importantly, you must learn to take profit. If the fund you buy has a relatively rich floating profit, then you can consider gradually stopping the profit. Here is mainly about the maximum withdrawal method. Simply put, the fund will sell 1/3 for every 7% decline, and 2/3 for every 14% decline.
To put it simply, there are actually many ways and means of fund financing, and there is no fixed winning rule. What suits one person may not suit others. Therefore, if you want to do a good job in the fund, you still need to practice and summarize the most suitable way according to your own reality, but you must always remember that fund investment is risky, you must have your own rational judgment, and don't blindly follow suit, so as not to cause unnecessary losses.
# I am the creator of investment and financial management #
How to operate?