However, we should also dynamically observe fund companies. It can't be said that a company that manages large assets is better than a gold company that was established late. For example, Huashangjin Company was established in 2005- 12-20, and the assets under management were not large, but in 20 10, its "Huashangshengshi Growth" fund won the first place among all funds.
Select fund products
Although history will not be simply repeated, and past performance may not necessarily reflect the future, historical performance will always be the starting point for us to identify funds.
Looking at the performance of the fund, most experts and citizens think that it should mainly look at its long-term performance. For example, two years, three years, five years and since its establishment. This view has been questioned and opposed by other investors. Because the performance of the fund is constantly changing, "past performance does not represent the future." Some funds that rank in the top 10 in one year tend to be at the bottom of all funds in the second year. In recent years, such things have happened again and again. Generally, you can first select the top 50 funds in the last March from all funds, then delete the funds that have exceeded 50 in the last 6 months, and then delete the funds that have exceeded 50 in turn according to this year, 1 and 3 years, and finally the rest will be considered for buying. In actual combat, this is a reliable choice.
Before choosing a fund, you should know your risk tolerance and choose a matching fund. Each investor's financial strength, investment period, risk tolerance and expectation of investment income are different. Determining the appropriate fund type is the first step in choosing a fund. Investors who want to get high returns can consider investing in high-risk stock funds and hybrid funds for a long time, and of course they are also facing higher risks; For investors with short-term low-risk preference, it is recommended to consider monetary and bond funds. Generally speaking, high-risk investment has high return potential. However, if you are sensitive to short-term market fluctuations, you can consider investing in some funds with lower risks and relatively stable prices. If your investment orientation is more radical, you don't mind the short-term fluctuations of the market and want to earn higher returns, then some funds with higher risks may meet your needs. If you don't have any risk tolerance, you can only buy money funds and a small number of bond funds.
The choice of fund products should be combined with the macro-economy and the stock market, and the macro-economic growth prospects are improving. At the same time, under the background of low inflation, partial stock funds should be a better choice for fund investors at this stage.
"Who will manage the fund? The fund manager holds the investment power of the fund, and decides what to buy and sell and when to buy and sell, which directly affects the performance of the fund. As a wise investor, you should know who the fund manager is and how long he has been in office before buying a fund. If investors face a fund with outstanding past performance, they need to confirm whether the fund manager who created the fund's past performance is still there before deciding to buy. If you can't choose between two equally excellent funds, you might as well choose the one whose fund manager has been in office for a long time.
In order to spread risks, we must make reasonable combination and allocation in fund selection, and strive to "minimize risks and maximize returns".
E Fund's article "Paying attention to asset allocation and diversifying fund investment risks" is of great guiding significance to investors' international operation:
"If you choose a bond fund or money fund with lower risk, the income is relatively low; If you choose equity funds with relatively high returns, you may face losses when the stock market is in a downturn. In view of this kind of investment problem, E Fund recently launched an investor education activity of "reaffirming asset allocation and diversifying investment risks" throughout the country, emphasizing the matching of risks and returns, and diversifying investment risks through reasonable asset allocation to obtain more stable returns. The so-called "asset allocation" refers to the process of how to choose the category of assets and determine their proportion in a portfolio. Usually, the pursuit of high returns means taking high risks. Therefore, when choosing a fund, investors need to start from the relationship between risk and return, comprehensively measure their own risk-return needs and the risk-return characteristics of different fund products, and choose the corresponding asset allocation scheme. ……"
How to deal with the poor performance fund? Ethan, an analyst with National Securities Fund, said, "Fund companies regard long-term holding as the core content of investor education, trying to reduce the frequency of investors' turnover, but long-term investment is by no means equal to simple holding. Fund products holding such stocks may be dragged down.
Investors can consider redemption and wait for the adjustment before buying quality funds. "
New funds are frequent. Can I buy new funds that have just been issued? After the establishment of the new fund, there is a closed period of about three months, during which it cannot be purchased and redeemed. In the case of a rising stock market, there can be no gains. In the process of stock market rising, the unit net value of the old fund will rise faster than that of the new fund. The new fund has no past performance to examine, and it is hard to say how it will perform in the future. It is unwise to enter the market impulsively without knowing anything about the market and ignore the hidden loss risk behind it. Under normal circumstances, it is not suitable to buy a new fund.
How many funds should I buy? It is difficult to combine configurations if you buy less, and it is not convenient to manage if you buy more. Generally speaking, five is better. For example, there are three stock types and mixed types, and bond types and currency types 1 piece.