Do funds usually buy on Fridays? Can I buy a fund on Friday? Many people who just bought the fund will definitely have such a problem, so what is it? The following is the knowledge about fund operation rules brought to you by Bian Xiao, hoping to help you to some extent.
What knowledge does the fund operation law have?
The law of fund operation and the mistakes made by old people are important topics in the field of fund investment. Here are some related knowledge and mistakes:
Operating rules of the fund:
Long-term investment: Fund investment is a long-term investment method. You should have the concept and patience of long-term investment to avoid day trading.
Diversified investment: By investing funds in a number of different fund products or asset classes, you can diversify risks and stabilize returns.
Fixed investment on a regular basis: by means of fixed investment on a regular basis, the average cost investment can be realized and the risk of market fluctuation can be avoided.
Understand fund products: Before purchasing a fund, you should fully understand the investment strategy, historical performance, fund manager and other related information of the fund, and investigate the reputation and credibility of the fund company.
Risk-return balance: different types of funds have different risk-return characteristics, so investors should weigh and choose according to their own risk tolerance and investment objectives.
Mistakes that old people may make.
Chasing up and killing down: chasing the rising trend of hot industries or funds and blindly following up buying; On the contrary, when the market falls, panic selling and frustration are strong.
Lack of professional knowledge: lack of full understanding and research on fund investment and market, blindly following other people's investment decisions, easy to fall into investment misunderstanding.
Short-term speculative mentality: pursuing quick success and instant benefit, buying and selling funds frequently, chasing short-term market ups and downs, ignoring the long-term and stability of fund investment.
Excessive trust in fund managers: excessive reliance on the decision-making ability and judgment of fund managers, lack of independent evaluation and supervision of funds.
Ignoring fees and rates: Not paying enough attention to the fund's fee structure and rates, and not fully understanding and evaluating the impact of fees on investment returns.
What are the precautions for buying a fund?
Investment objectives and risk tolerance: ensure that the investment objectives of the fund match their own needs and risk preferences. Understand and accept the risk level of the selected fund.
Understand the cost of the fund: understand the cost composition and rate of the fund, including sales service fee, management fee and custody fee. , to ensure a clear understanding of the costs you need to bear.
Carefully study the fund information: involving the historical performance of the fund, the background of the fund manager, the reputation of the fund company, etc. Understand the investment strategy and operation mode of the fund.
Diversified investment: diversified investment in different types of funds and different markets, reducing the risk of a single fund and market and achieving better asset allocation.
Regular evaluation and adjustment: regularly check the performance of the fund and adjust the investment portfolio according to the investment objectives and market conditions. Avoid blindly chasing short-term market hotspots.
Long-term investment: fund investment is usually suitable for long-term investment, and through long-term holding, the return on investment has the opportunity to grow.
Pay attention to risk warning and investors' rights and interests: read the prospectus of this fund carefully to understand the risk warning and investors' rights and interests. Make sure you fully understand the funds you invest in and identify the risks.
What skills are needed for fund operation?
Select excellent fund managers: Understand the background and investment style of fund managers and evaluate their investment ability and experience.
Adjust the investment portfolio in time: adjust the investment portfolio according to the market situation and the investment strategy of the fund to cope with market fluctuations and risks.
Grasp the long-term trend: pay attention to long-term investment opportunities, avoid intraday trading and blindly chasing up and down, and face market fluctuations with a steady attitude.
Diversification of investment risk: Diversification of investment portfolio, including investments of different types of funds, different industries and different regions, to reduce the overall risk.
Pay attention to the performance and operation of the fund: regularly review the performance, investment portfolio and reputation of the fund company, so as to track and evaluate the operation of the fund in time.
What is the difference between buying funds in different time periods?
Market quotation: The market quotation in different time periods may be quite different. When buying a fund, you need to consider the overall trend and expectation of the market and reasonably judge the trend of the stock market, bond market or other markets. For example, in a bull market, funds may perform well, while in a bear market, funds may face greater downside risks.
Net fund value: Net fund value is one of the important indicators of fund investment performance. Buying funds in different time periods will have different net values. When the net worth is low, the purchase price may be lower, so there is a chance to get higher returns in the future.
Market sentiment: Market sentiment may change with time. Buying a fund when the market is optimistic may face the risk of overestimation, while buying a fund when the market is pessimistic may capture investment opportunities. Therefore, it is also an important factor to consider the influence of market sentiment on the fund.