What are the buying skills of funds? For a person who has just stepped into the fund and contacted the fund, how should he teach himself the buying skills of the fund? What can I do to quickly develop the habit of buying funds? The following are the purchase skills of self-taught fund brought by Bian Xiao. I hope you like them.
Self-study fund purchase skills
Investors can refer to the following skills when purchasing funds:
1. Judge the trend of fund theme. If the trend of the theme falls on that day, you can place an order before three o'clock that day.
2. When buying at a low level, you can't buy at one time. You should keep the available funds. Assuming that the market outlook is still falling, you can buy in batches and dilute the cost.
3. When the structural market starts to rebound at the bottom of the market, it is necessary to purchase the fund at one time, so that the market outlook will not miss out on some income because of too little investment.
4. If it is a fixed investment fund, choose Class C fixed investment within one year and Class A fixed investment for more than one year; The date of deduction is Tuesday or Thursday; Stick to it for a long time and don't operate it frequently.
Of course, the stock market has always said that "the apprentice will buy and the master will sell", so it is also very important to take profit. Generally, the fund will be redeemed when the product reaches the expected income of investors or the market peaks.
How to teach yourself to buy funds
1. Investors can learn the basic knowledge of funds by reading books or video tutorials related to funds, such as the types of funds and the trading rules of funds.
2. Choose a suitable fund variety: investors who pursue capital security can choose monetary and bond funds, and investors who pursue income can choose hybrid and equity funds.
3. Select a high-quality fund: You can select a high-quality fund from three aspects: fund manager (who has been in the fund for a long time or a star fund manager), historical performance of the fund (which is good) and maximum withdrawal amount of the fund (the smaller the maximum withdrawal amount, the better).
4, fund operation skills: first look at the market outlook before operation, when the market is good, you can follow the trend and make a fixed investment in the fund, which has low professional requirements for investors and is more suitable for most investors.
More funds are better than less.
Many investors may have had this experience. They hold the fund that they are least concerned about, because they buy less, because they are too lazy to care and don't toss, so the rate of return is the highest.
Income of fund investors = fund income+investment behavior of bad investors.
The long-term investment practice of Chinese and foreign investors proves that most fund investors have negative behaviors, so long-term holding and not tossing can bring better returns.
(For data in this respect, please refer to the article "Fund Investment Profit Formula Investors Must Know" in our fund column on February, 2022 10. )
The number of funds is better than less, that is, the proportion of each fund is allocated to the extent that we don't care. In this way, when each fund falls behind or rises sharply, we will not be swayed by considerations of gain and loss, nor will we rush to buy or sell or change funds, which is conducive to our long-term holding and obtaining better long-term returns.
How many funds should I buy? I think it's fifty-fifty. It doesn't matter if there are too many. 30 funds, each accounting for about 3%; 50 funds, each accounting for about 2%. In this way, the rise and fall of a single fund is 10%, and the impact on our entire net worth is only 0.2-0.3%, and only 2-3% when we lose money completely (in fact, this is impossible). In this way, we can rest assured that the fund managers we choose will be tossed around. In five or ten years, some funds may have average returns and some may be top-notch, but the total returns must be considerable.
Some investors may feel unreliable, so how to manage so much money? My answer is that choosing so many funds is to let you not blindly manage and toss, regardless, just leave it there.
Don't believe the nonsense that "holding 30 funds is not as good as buying CSI 300", because the annualized rate of return of CSI active equity fund index with a sample size of 603 funds in the last five years (as of June 2022, 65438+ 10/7) is15.1/. The annualized rate of return of the CSI general mixed fund index of 2782 samples in the last five years is 13.08%, and that of the ICBC mixed fund index of 24 samples in the last five years is 15.55%, while the annualized rate of return of the CSI 300 in the same period is only 7.46%.
Active funds are the main ones, supplemented by index funds.
There are still many excess returns from active funds investing in A shares, which is the most important reason why I mainly invest in active funds.
On the other hand, when index funds enter the main rising wave stage, most active funds are difficult to keep up. In addition, the industry theme index fund has fallen a lot, and it can be properly allocated when it falls out of value. So I don't exclude index funds, and I will allocate some when the opportunity is right.
(Regarding the choice of active fund or index fund for investment, I wrote an article entitled "Active Fund Vs Index Fund" on February 29th, 20021year. Which type of investment should I choose? And the article on March 29th, 20021year, Buy Index Fund or Active Fund? Described in detail the deep feelings of real money investment after many years. Interested friends can check through my article catalog. )
In reality, some investors have some misunderstandings and even prejudices about active funds, and I think it is necessary to correct them.
The first is the rate. It is true that the management rate of active funds is higher than that of index funds, but these high fees have been deducted from the net value and long-term yield announced by active funds. Denying high-rate active funds is simply brain-dead.
Secondly, take some shortcomings or deficiencies of the fund to deny the active fund. For example, fund companies simply pursue fund scale, regardless of fund holding experience, fund managers quit, and funds may have illegal behaviors such as rat warehouses and interest transfer. It is true that fund companies make money by expanding management scale. The problem is that people are not fools. In the end, they have to rely on performance to form scale. Therefore, fund companies should also have the motivation to do a good job. We just don't chase high prices. As for violations of laws and regulations are small probability events, such problems can be completely solved by diversifying investment.
It is often heard that buying funds is to make money for fund managers and work for fund companies. In fact, both active funds and index funds are just a tool used in our investment. Tools don't matter whether they are good or bad. If you use them well, you can make money. If you can make money by investing in stocks, of course, you don't need to choose a fund, but it is definitely difficult for ordinary investors to surpass professional investors (public active funds).
Don't bet on one direction, balance the configuration.
Liquor, medicine, new energy, semiconductors, non-ferrous metals and the Internet have all experienced or are experiencing brilliance.
But practice has proved that there has never been and will never be an "eternal God".
Therefore, multiple funds can't just buy one direction. For example, they can't just buy consumption, medicine, or new energy, military industry, semiconductors and artificial intelligence.
Buying only one direction is prone to ups and downs, which is not conducive to long-term holding. There is little point in buying more than one fund. Many funds must be very balanced in industry and style.