Now is an information age of network technology and economic globalization. Everyone knows that if we can find a good investment and financial management method, we can ensure that the funds in our hands can continue to grow. So, what are the precautions for beginners to buy funds? The following is what Bian Xiao collected for everyone about 202 1 matters needing attention for beginners to buy funds _ How to make fund investment effortless? I hope I can help you.
What are the precautions for beginners to buy funds?
1 When buying a fund, it should be noted that you should not put all your money on one type, for example, you should not put all your money on the stock type, which is relatively risky. In addition, don't put it in the same fund, such as buying a fund that holds liquor or real estate.
Plunge into it and make great progress. This means that when the fund falls sharply, it is usually only about 2% or more, so you can add positions, because the probability of rising after the fall is relatively high. At this time, adding positions or heavy positions will have better returns.
3 rose sharply and lightened the position. This is similar to the previous principle, that is to say, when there is a skyrocketing, we should consider lightening our positions, and extremes meet. I believe we all know that there will generally be a decline after the skyrocketing. At this time, it is necessary to lighten up the position in advance to avoid big losses.
4 avoid greed. When you have a certain income, don't be greedy. Many times, I lost everything because I was greedy. We must pay attention to this. Don't be greedy, or you will lose a lot in the end.
5 Choose a good fund manager. Many times, the funds managed by a good fund manager can have good returns. Unless the whole stock market is depressed and the external environment has little influence, the funds managed by a good fund manager will have good returns.
When you are unfamiliar, it is best to follow the experience of the Great God. Experienced people will look at the overall situation of the fund according to the market situation, reduce their blind operation and avoid unnecessary property losses.
If you have spare money that you don't use, take some money to buy a fund. Don't put all your money in, and don't borrow money to buy a fund. It's easy to say if you earn it. Once you lose money, it will have a great impact on your life and mood. It is recommended that novices consider their financial situation when they are in a heavy position.
How to make fund investment effortless?
1 experts love to buy. Anyone who has bought a fund in Alipay knows that after investing in the fund, there will be statistics on the rate of return of total assets, such as your financial performance in 20 19, what is the rate of return, and how many financial friends you have defeated in the country.
The greater the historical increase, the better the future performance may not be. For index funds, the greater the historical increase, the higher the index valuation and the lower the investment value. For active funds, the greater the historical increase, the more reference can be provided, indicating that the investment ability of fund managers is worthy of recognition.
The rising potential is mainly aimed at index funds, which refers to the current valuation of the index. The greater the rising potential of low valuation, this indicator still has certain reference significance.
4 choosing a stock is choosing a stock market. Industries with good profits are more likely to get good returns. Combined with industry valuation (such as PE, ROE), this reference indicator is still good.
How to choose a new fund
1 Different types of funds and different fund targets have different performance benchmarks. A fund whose performance can exceed its own performance benchmark is a good fund, and such a fund manager is trustworthy.
2 Experienced investors will choose funds with small performance retreat when the market is bad. Excellent fund managers not only make the fund grow fast in the bull market, but also fall less in the bear market, which is the basis for obtaining high returns. Therefore, we should pay attention to the maximum withdrawal rate of fund managers' historical products.
Only long-term stable good performance can show that the fund manager's investment ability is good, and short-term performance is not very convincing. Choose a fund manager with good historical performance. We should choose "long-distance runners" and not care too much about "sprint champions".