Dealing with this problem requires concrete analysis of specific problems. I think we should pay attention to the following points: 1. For the newly issued money fund, because there is a three-month opening period, it is inevitable that the income will be affected by the dissatisfaction of positions and insufficient chips during the opening period. Therefore, it is best not to buy money funds in the first three months of new issuance.

2. When the market goes up, because the new fund lacks positions, it takes a process and cost to open a position, usually three months, and it also needs a sum of money. Even if you open a position in a month, you can't keep up with the initial market. The old funds have already prepared chips for the market to start. At this time, if you buy an old fund, you can immediately get the increase in the net value of the fund brought about by the market rise, so you still need to buy an old fund at this time.

When the market is expected to fall in the next three months, you can consider buying a new fund. At this time, due to the expected decline in the market, the old fund positions are often Man Cang. In order to avoid risks, it is necessary to reduce positions. Even so, if the market falls, the net value of the fund will also fall.

But the new fund is different. When the market fell, it just brought a good opportunity for new funds to open positions at a low level. At this time, buying a new fund can enjoy a preferential subscription rate, which is a better choice than buying more fund shares. Of course, when buying a new fund, we should also consider the past performance of the managers of the original fund company and the new fund. If the past performance is not good, we should also be cautious.

.