If so, or if you don't have the energy and time to look at the stock market, I think the best way is to invest in partial stock funds, especially the fixed investment of funds. It doesn't need much professional knowledge and real-time marking, which is equivalent to hiring people to stock, which is very suitable for wage earners. The only technical activity of the fund's fixed investment is to choose the fund. As long as the fund is selected, according to the established investment method, there is basically no need for manual intervention, just redeem the fund after reaching the profit target and take profits.
Let's talk about the fund selection method, hoping to attract more attention and help your fund investment.
1. Select the fund type
Since it is an opportunity to seize the stock market, the fund should choose a partial stock fund to make a fixed investment. Closed-end and fixed-term funds cannot make fixed investment, and monetary and bond funds are not worth making fixed investment. Funds suitable for fixed investment mainly include: stock funds, partial stock mixed funds and stock index funds.
The above-mentioned partial stock funds can be divided into two categories. One kind is called active management fund, which refers to stock fund and partial stock mixed fund. This kind of fund manager will take the initiative to make profits, and in principle, he can take the initiative to manage, so that your funds can be preserved and increased. The other is called passive management fund, which mainly refers to index fund. Fund managers are only responsible for tracking the index, and investors need to judge for themselves when to take profits. According to your situation, you can choose active management fund, passive management fund, or both.
2. Select the target fund
If you want to invest in passive management funds, it is recommended to choose broad-based index funds, that is, large-cap index funds, without industry analysis. If you are very familiar with a certain industry, you can also choose an index fund of a certain industry, such as liquor index, internet index and so on.
Focus on actively managed funds. There are many such funds, which are difficult to choose, and can be considered from the following five aspects:
Time of establishment:
Exclude newly established funds, because they may be in the opening period, and there is no historical performance reference, so it is difficult to grasp the later performance. It is best to choose a fund that has been established for more than 3 years, is relatively mature and has historical performance for reference;
Fund manager:
A good fund must have a good fund manager. The so-called good fund manager means stable performance and strong professional ability. After a long period of baptism, he has a good control over the investment portfolio and market style, and he should be cautious about fund novices.
Fund size:
Choose a fund with a scale of more than 300 million yuan. The fund is too small and not popular enough, and there is a risk of becoming a small and micro fund. The fund scale is too large, the fund manager's position allocation is troublesome, the market response speed is slow, and the performance is difficult to excel; At the same time, it also depends on the situation of fund holders. If the scale of funds held by a single institution is too high, such as more than 50%, it should be avoided as much as possible, because a single institution has too much influence on him;
Fluctuation range:
Just like investing in stocks, the fund will make money through fluctuations. Some funds are very stable in style, with little fluctuation, and the fluctuation rate is less than 5%. We say that this kind of fund lacks flexibility and has no investment value, because no matter how you decide to invest, it is impossible to reduce the cost and increase the income.
Historical performance:
The historical performance of the fund is an important reference. It would be better if the fund was at the top of its kind many times in history, such as110, or10. Or compared with the Shanghai and Shenzhen 300 Index, funds that have significantly outperformed the Shanghai and Shenzhen 300 Index for a long time are also excellent. This kind of fund has a sound style and reasonable asset allocation. Of course, it depends on whether the intermediate fund manager has changed, and whether the performance has changed after the change.
3. A relatively simple method
Everyone must find it more troublesome to read the above method. After all, it is still professional, and even some people can't understand it. If so, I suggest you choose a large-cap index fund or a FOF fund.
Market index funds track the trend of the market and have little to do with fund managers, so they don't have to consider historical performance. In particular, the A-share market, as an emerging market, has frequent bull-bear conversions and relatively large index fluctuations, which is more valuable for investment.
FOF fund, also known as the fund in the fund, is that the fund manager chooses the fund from many funds to invest, which is equivalent to further optimizing the risk. Just choose the FOF of partial stock funds as the target. At present, there are not many such funds, so they will not be picky.
The above methods are relatively simple and easy to learn. As long as investors have simple experience in stock and fund investment, it is easier to master. However, I still want to remind you that fund investment is risky and you need to be cautious when entering the market.