What are the skills of investment funds? First, the foundation invests in lazy people to manage money.
Does the fund have a fixed investment? Discipline? Investment in batches can effectively spread investment costs and risks. In addition, the fixed investment of the fund not only has the effect of forcing investment and gathering sand into towers, but most importantly, the fixed investment of the fund makes investment and financial management not only the patent of the rich, but also the investment of 200 yuan per month possible.
Tip 2: Build a combination that can be attacked and defended.
In the process of financial management, ordinary people should pay attention to the effective collocation of low-risk income varieties such as bond funds and stock funds. At the same time, it is advisable to choose different wealth management products from the same company, and give priority to those fund companies that have fund conversion business. Investors can freely adjust the proportion of stock base and debt base according to market changes, and their redemption cost is lower than that of ordinary funds, so that they can truly attack and retreat.
Tip 3: Pay attention to the cost of online direct selling.
Although the discount rate of online direct selling business is not worth mentioning, if you invest the subscription fee saved for several years, it is also an income that cannot be ignored. It can be seen that in the process of investment and financial management, in addition to looking at long-term performance, we must also learn to haggle over investment costs.
Tip 4: Complete the information and realize two-way interaction.
Each fund company has its own internal magazine, which regularly sends relevant information about the funds it holds to the holders. For investors, they can learn about the dynamics and fund performance of the selected fund company at the first time, and investors can also interact with the fund company in the process of financial management according to specific conditions to solve their doubts.
Investment funds are different from investing in stocks. You can't care about the net value of the fund every day like speculating in stocks. What is the most taboo? Chasing up and down? Short-term speculation is frequent, but long-term investment strategy should be adopted.
Related reading? Money fund investment skills
Features:
High security: mainly invest in low-risk products such as government bonds, financial bonds and central bank bills with a remaining maturity of 1 year.
Low transaction rate: no handling fee and redemption fee.
Earnings are higher than bank demand deposits: interest rates usually fluctuate within the range of 1%-5%.
Stable income: it can grasp inflation changes in time and become a tool to resist rising prices.
Good liquidity: generally within 3 working days after the redemption application is issued.
Dividend exemption: the face value of the fund is always 1 yuan, and the daily income is converted into shares to enjoy compound interest income.
In addition, the general money fund can also be converted with other open-end funds under the same fund company, which is efficient, flexible and low-cost. When the stock market rises, it can be replaced by stock funds; When the bond market rises, it can be replaced by bond funds; When there are no good opportunities in the stock market and bond market, the goods base is a good haven for funds.
Because the net value of the money fund is fixed at 1 yuan, the appreciation is reflected in the increase of the fund share, so we can't use the indicators such as the net value growth rate and the cumulative net value growth rate to measure the monetary income, but should use? Seven-day annualized rate of return? And then what? Income per 10,000 fund units? To measure.
However, due to the daily income of money, the operation of fund managers and the fluctuation of interest rates in the money market, they are constantly changing, then? Seven-day annualized rate of return? It can only be used as a short-term indicator and cannot represent the actual annual income of money market funds. And then what? Income per 10,000 fund units? It can truly reflect the real income that investors can get every day. Fund managers' websites regularly disclose their data.
Although the money fund has? Quasi-savings? However, investing in money funds is not without risks. With the increase of the variety and quantity of goods-based products, fund managers may take some fund measures to improve their performance and attract more investors, which increases the risk.
1, credit risk/default risk
Refers to the risk caused by the enterprise's inability to repay the principal and interest when the debt expires. Short-term commercial paper occupies a certain share in the cargo-based investment portfolio, so the credit degree of enterprises affects the safety of Turkish products. If the company's performance is not good, there is a risk that the due income will not cover the expenditure. If such assets account for a large proportion, it will inevitably affect the income.
2. Operational risks
The overall operation ability of fund managers and the professional level of research decision makers largely determine the size of product risk.
3. Liquidity risk
In the process of realizing monetary fund assets, losses may occur due to price uncertainty. In addition, once investors focus on redemption, the money fund market may delay redemption, thus affecting the liquidity of assets.
Correct investment strategy: 1. Don't be overly superstitious about recent income indicators.
? Seven-day annualized rate of return? And then what? Income per 10,000 fund units? The two indicators can only show the performance of the fund in the recent period, and will change due to factors such as changes in interest rates and the reduction of high-interest bonds.
2. Pay attention to the historical income of the fund.
Investors can roughly judge the investment ability of the fund manager according to the historical income of the fund, not only paying attention to the change of the historical income of the fund, but also paying attention to how the income compares with similar funds.
3. Pay attention to the stability of fund earnings.
The stability of the fund's profit determines the fluctuation of the rate of return over a period of time and also reflects the risk of the goods base.