There are currently nearly 300 funds including stock, currency and bond funds.

1. The following website is the weekly, monthly, quarterly and half-year data of the fund. , annual income comparison, hope it is helpful to you

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2. Regarding fund knowledge, you need to go to some fund websites to learn more. Most websites have them, or you can search them. I won’t go into them one by one here. I will give you some things you need to learn when choosing a fund. I hope it will be helpful to you. If it helps, let’s make money together! !

Teach you how to choose a good fund?

1. What is a fund?

A fund means that everyone gives their spare money to a fund company, and the fund company selects appropriate fund managers to invest in stocks, bonds, and other investment methods allowed by other countries. Simply put, it is a special kind of agent. Ways to manage money.

2. Are there risks in the fund?

Except for savings, treasury bonds, and currency funds, any investment has risks, and funds are no exception, because stocks and bonds are the main investment channels of funds, and fluctuations in both will inevitably affect the fluctuations in the net value of the fund. , a decrease in the net value of the fund, or a long-term downturn, is the risk of the fund.

3. Why is it recommended to quit stocks and buy funds?

Compared with stocks, the risk of funds is relatively small. The money earned by the fund mainly comes from the following aspects: first, dividends from investing in listed companies with investment value, second, the income from selling the stocks held after the price rises, and third, bond investment; "Some people make money, and some people lose money, and There are only a few people who make money, and most people still lose money." This sentence is appropriate in the stock market, but not in fund investment. As for fund investment, it should be said that most people who invest in funds have made money. The difference The problem lies in making more and less. Only a few people lose money, and those who lose money in investment funds are blind investors. In the stock market, retail investors may be very smart, but their opponents are much stronger than themselves. Institutions (mainly fund companies), the result can only be that retail investors suffer heavy losses and flee. There are always only a few retail investors who make money. The losses from retail investors in the stock market constitute an integral part of the fund's income to a certain extent. Therefore, investing in stocks is genius. What we should do is that many retail investors who suffered heavy losses eventually withdrew from the stock market. After some lucky retail investors withdrew from the stock market, they discovered that funds are what we call institutions or absolute main players. They have more information and market research and development capabilities than retail investors. Much more powerful. We have all heard that people who fail to invest in stocks will leave their wives and children, or even commit suicide by jumping off a building. However, similar incidents of investment funds have never happened in China, so instead of being a retail investor speculating in stocks, it is better to be the main force to sweep away retail investors. Instead of being a retail investor in the stock market and fighting against institutions and funds over their own capabilities, it is better to do the opposite, be your own institution, buy your own funds, be the main force, and let the funds compete with the remaining retail investors and the steady stream of new retail investors in the stock market. Go fight, earn their money, and expand your own pockets. Fortunately, you and I are one of these fundamental citizens, so I also advise others to contact funds and join funds. Although there are risks, they are much less risky than stocks. Risks are everywhere, but learning is the best way to avoid risks and obtain returns. Let us join the ranks of funds, learn together, and become mature citizens

4. It is recommended to give priority to buying old funds ?

Compared with new funds, old funds have been tested by the market, and the fund managers also have relatively rich operating experience. The cumulative net value of the fund is the best reflection of the fund manager’s ability, and his past qualifications are the best indicator of his ability. recognition. We are not familiar with the fund manager of the new fund. If the fund manager has no experience in managing funds, why should we trust him or hand over our money to someone who does not have rich investment qualifications? Therefore, we recommend star funds from star fund companies. These funds are old funds with high net worth. Of course, this is only a relative term, and there are exceptions. Any old fund is transformed into a new fund, and the income from holding it along the way will of course be very good.

5. It is not recommended to buy funds that pay frequent dividends

To achieve frequent dividends, a fund must frequently sell its stocks in order to frequently build positions again. This shows that fund managers use speculation to To speculate on stocks, even we all think that choosing a fund is for investment. If a fund manager chooses speculation, it will not only increase the cost of building a position, but also destined that the fund he manages will not become a first-class fund.

6. It is recommended to buy high-net-worth funds

The higher the net value of the fund, the more worth buying. The higher the net value, it means that the stocks in the fund’s hands are valuable, that the fund manager is very discerning, and that he Choose investment over speculation. It shows that he can outperform the market in most cases and be ahead of many funds. On the contrary, if the net worth of funds issued during the same period is low, it means that there is a gap in ability between fund managers and fund managers with high net worth.

7. How to eliminate the fear of high net worth?

For novices, the higher the net value of the fund, the greater the risk, the more psychologically uncomfortable, and the less willing they are to buy high net worth funds. They feel that with a net value of 2 yuan, they can get the same amount of money by spending the same money. The fund shares are small. If you spend the same money at 1 yuan, you will get more fund shares.

What we need to pay attention to here is that the fund's profit has nothing to do with the fund shares held. A fund of 2 yuan means that he holds stocks worth 2 yuan, and a fund of 1 yuan means that he holds stocks worth 1 yuan. Assuming that you invest a total of 10,000 yuan, you will own 5,000 shares of 2 yuan. Fund shares, or having 10,000 fund shares worth 1 yuan, if each share also increases by 1%, our income will still be the same. In addition, the growth rate of high-net-worth funds is often higher than that of low-net-worth funds, and the profit depends on the growth of net worth. rate, not your fund shares, because no matter how many shares you have, your principal is only 10,000 yuan. On the other hand, it must be clear that the upper limit of the net worth is not capped. If the general trend improves, the net worth can rise indefinitely.

8. Study the general trend rather than paying too much attention to the market

The general trend refers to the country’s macroeconomic situation and the key factors that restrict the securities market. As long as the overall trend is improving, you can resolutely intervene. Funds, if the general trend is getting better and the fund company itself has no problems, you can hold it firmly until you urgently need money, or the general trend turns bad, or the fund company itself has problems, such as the chairman being caught, falsifying accounts, etc. On the contrary Don't pay too much attention to the market, because we are mortals and cannot make accurate analysis of the market. Otherwise, we will just speculate in stocks and leave those troublesome things to the managers of fund companies.

9. Don’t believe the so-called experts

Most of them have inextricable connections with securities companies, and they are not clean economically. Many of them will be fooled. According to my observation, it is best not to trust people in banks. Their understanding of funds is limited to basic operations. They focus on the handling fees of selling funds on behalf of others. They only remind everyone of the profits of the fund and rarely remind people of the risks of the fund.

10. Invest your spare money that you cannot use in 5 or even 10 years into funds, so as not to break your investment strategy and cause undue losses when you need to use money. Insist on long-term investment. The longer the time, the lower the risk of the fund. The possibility of loss in 3 years of investment is 20%, the possibility of loss in 5 years of investment is reduced to 10%, and the possibility of loss in 10 years will disappear.

11. Take a long-term view, be bearish on short-term fluctuations, and have a foundation in your hands but no foundation in your heart. You may feel that the fund's net value of 2.3 yuan is unattainable now. When the net value rises to 3.2, you will feel that 2.3 is just a hill, 3.2 is just a hillside, and the higher mountain is always at the end. For you to become an astronaut in space, Mount Everest, a sacred mountain in the eyes of ordinary people, is just a small raised tectonic belt on an ordinary planet in your eyes. When you truly understand this sentence, you It's not far from maturity.

12. When to sell funds?

When you are in urgent need of money, when you judge that the general trend is going bad, when you think that the bull market has ended and is about to turn into a bear market, when you find that there is an internal problem in the fund company, When you retire, you should sell your funds or convert stock funds into bond funds and currency funds to truly achieve peace of mind.

13. The maturity of concepts is always more important than choosing investment timing and investment varieties. The fund is just a fragment of our lives, far from everything in our lives. Attitude determines everything. I appreciate what Milu said. No matter how people evaluate him, the Chinese team finally qualified. When the Chinese are still endless While people were arguing about his merits, Milu was lying at home in Mexico, eating spicy chicken tacos, drinking drinks, and counting the large sums of money given by the Chinese Football Association with great pleasure...

14. Investment Specific methods for funds:

Go to a bank or securities company to buy, or use the bank card fund company website for direct sales. It depends on your specific situation. Those who have plenty of time are recommended to go to the bank and tell the teller what you want to buy. Fund, she will help you with everything. People who have convenient access to the Internet can choose website direct sales, which is convenient in one word. I personally recommend online direct sales. Different banks act as agents for different funds, and different bank cards also support online direct sales by different fund companies. According to my observation, the funds represented by ICBC are the worst, while those represented by China Construction Bank and Agricultural Bank of China are relatively better.

Finally, a few things to note:

First, it is to establish investment awareness, not speculation. In addition, do not treat funds as stocks.

Second, it is to establish a long-term Investment awareness is not about the short term. If it doesn't work, force yourself to treat the fund as a five-year term.

Third, establish a risk awareness. There is no pie that only makes money but does not lose. The higher the return, the higher the risk.< /p>

Fourth, it is to establish the awareness of learning. Learning is the best way to obtain benefits and avoid risks.

5. Choose a star fund from a star fund company, that is, the fund with the highest net worth among the fund companies I recommend. Don’t be afraid that the net value of the fund is too high. There is no difference between a fund of 2.0 yuan and a fund of 1.0 yuan. No need to understand. Just memorize it by rote

6. Choose old funds. Of course, for those who are new to funds, and for those who are currently experiencing high market prices, buying new funds may be a good choice

7. Believe in yourself. People who are willing to invest in funds have a vision, and are much better than other people who just talk but don’t practice, and even find it troublesome to invest in funds.

Six things to buy with caution in the bull market Funds worth reference

(1) New funds. From the launch of a fund to its return, it goes through two stages: fundraising and closing positions.

If you subscribe to a new fund, you have to wait for the fundraising period to expire in a bear market. In a bull market, you may have to face allotment. For example, if you subscribe for 10,000, you will only be allocated 7,000. After that, you have to wait for it to slowly build a position, at least for more than a month, before the profits can get better. In short, it will take two or three months to stabilize and improve. As for the investment level and capabilities of its management team, there is no reference. Instead of this, how about investing money directly into sub-funds and old funds that have been established for a long time? Investing today will bear fruit tomorrow, and there will be certain operating performance to be found. It is recommended to invest in funds that have been established for more than 3-6 months. (I have invested in Bosera Emerging Growth Fund, as well as two QDII new funds, Huaxia and Shanghai Investment, and I came to this suggestion).

(2) Fat fund. Due to the fund craze, some funds have blindly expanded their scale, reaching tens of billions. Some friends may think that the larger the fund size, the more secure it is, but this is not the case. If you have too much money on hand, you will find that there are not so many good stocks to buy in the stock market, and it is indeed difficult to operate. The increase and decrease of positions are slower than other funds. If the money is not invested, the proportion of cash will be too high, which will also affect the income. In addition, there are some fund companies with RMB 3 to RMB 5 billion that have rapidly expanded to RMB 10 billion through marketing. They also face the problem of adjusting their investment ideas and methods. It is recommended to invest less than 10 billion in a fund with a relatively stable portfolio. (The China Dividend Fund I invest in falls into this category).

(3) Split base. The split is actually the normalization of the net value. For Christians, those who originally held 10,000 shares of 2 yuan will become those who hold 20,000 shares of 1 yuan. The main purpose of returning the net value to itself is to attract those who buy bargains and thus expand quickly. Assume that a fund originally had a size of 3 billion, a net value of 2 yuan, and 1.5 billion shares. After the split, it expanded to 10 billion in a short period of time. At this time, the fund had a net value of 1 yuan and 10 billion shares. This is the same problem that the split fund faces as the new fund. The newly added 7 billion must be gradually invested in suitable stocks, and the original 3 billion is mainly relied on to create income. Originally, the growth of 3 billion had to be divided evenly among 1.5 billion shares, but now it has to be divided into 10 billion shares. Therefore, in the bull market, old holders will strongly oppose the split. For new holders, the money invested also has to go through a position building period, a transition period, and a recovery period, which is definitely slower than other normal funds. If there is a shock and decline, the original loss of 3 billion will also be shared by the additional 7 billion shares. It is recommended not to try to get cheap prices, as one yuan is not always good. (Guangfa Jufeng, which I invested in, falls into this category).

(4) Large amount of dividends. The same as the newly split funds, the net value is also to be reduced to attract people to buy. The difference is that there is no need to sell shares to realize the split, while dividends require shipments. Not covering stocks in a bull market will also seriously damage the interests of old holders. As for the dividend money, if it is not profit from dividends, it is just put from the left pocket into the right pocket, which is meaningless. (The Harvest 300 Fund, which pays dividends twice a month, is an example of this. I redeemed it on July 26 this year).

(5) Funds with excessive recent gains. Fund growth comes from the growth of stock holdings. A large increase in the fund indicates a large increase in the stock. After a certain amount of growth, stocks are bound to enter a stage of consolidation or even decline. Therefore, it is recommended to choose funds with medium-to-high growth, growth potential, and recent signs of accelerating growth. (This operation will be difficult for new investors)

(6) Copied Fund No. 2. Copying a fund is a "clone" of an old fund. Generally, the old fund is too big and difficult to operate, and its performance is good and there are enthusiastic subscriptions. Therefore, subscriptions are suspended, and then the old fund's investment strategy, investment direction, and even The trading technique is to clone a late-born "twin brother". In theory, this not only guarantees the income of old holders, but also gives new subscribers a choice. But whether it is No. 2, No. 3, or a completely new name, in short it is new at the beginning, and it needs to be the same as buying a new fund - a closed position, and its growth will be slower than No. 1 and other normal funds. So I wouldn't choose it. (Such as E Fund Strategy No. 2, Huaxia Return No. 2, Haifutong Select No. 2, Bosera Emerging Growth, etc. --- I personally invested in it and I redeemed it on October 18 this year).