It doesn't matter how much money you have. The question is whether you have a heart for managing money. Many novice investors don't know all kinds of financial management methods, so they are looking for some suitable and steady investment methods. Fund is the best investment choice. So I don't know what speculation fund investment should be wary of? The following is Bian Xiao's 202 1 speculation on fund investment. What are the skills to save fund subscription fees? I hope I can help you.
What speculation should fund investment guard against?
1 Take advantage of personnel changes of fund managers to speculate. The change of the fund manager and other senior managers of the fund should not be the reason for investment adjustment of the fund. Because the fund manager's contribution to a fund is definitely limited. It is obviously inappropriate to use the personnel changes of fund managers to make band spreads.
2. Use the fluctuating market to speculate on the wave difference. In theory, the shock market often creates a certain space for spread arbitrage, but it is often difficult for investors to achieve good investment results because of the short time of shock market in practice. This kind of pure profit arbitrage speculation is not worth taking.
It is not the normal state of fund investment to make use of preferential rates and choose the right time to speculate. Although fund managers will provide some preferential measures when investors buy funds, these measures are only a low-cost investment method for investors when they choose and buy funds, and cannot be a normal state for investors to invest in funds. Not the first choice for investors to invest in funds.
4 use fund dividends for speculation. Fund dividend is a distribution method of fund investment income, which can not fundamentally create more investment income for investors. It is only an illusion of fund investment that investors choose to redeem the fund with dividends, and it is still a speculative psychological factor of the fund.
5 Use the net difference of different funds to change funds frequently. This is not a wise move. It is also inappropriate to buy low-priced funds and sell high-priced funds to achieve spread arbitrage of different fund net values. Because different fund products need to buy two funds at the same time when arbitrage, and the growth of the two funds will be very different. In particular, there is a certain degree of difference in its future net growth ability, which requires investors to be cautious.
What are the saving skills of fund subscription fee?
1 Choose the platform of discount 1: Discounting is definitely the most direct way to save money. At present, in addition to banks and brokers, other platforms, such as official website Fund, Tian Tian Fund and Ant Financial, have a 10% discount on fund subscription fees, so you can buy them on these platforms. Because these platforms are only for sale, and the funds after purchase are managed by banks, the safety of choosing a large platform can basically be guaranteed.
2. Clever use of reinvestment: There are two ways to distribute the profits of the fund. One is cash distribution, that is, cash is distributed to investors; The second is reinvestment, that is, every profit is converted into fund shares for compound interest investment, and the reinvested shares are exempt from subscription fees.
3 Bond funds can be purchased free of subscription fee: some bond funds are divided into Class A and Class B. Usually, Class A charges subscription fee, while Class B charges sales service fee every year, and does not charge subscription fee. So if it is not a long-term purchase, you can choose the category of free subscription fee.
4. Back-end charge: I don't recommend it, that is, the subscription fee will be charged at the time of redemption. The longer the holding time, the lower the subscription fee, but how can the A-share bull market last for three years? So choosing this method has no practical application value! Unless you're trapped!
What are the fund investment strategies?
1 buy at a low valuation. This is the simplest and most difficult method. Because when the stock market is undervalued, it is often a bear market. Greed when others are afraid! Often in a bear market, almost everyone will persuade themselves not to invest. One of the disadvantages of low valuation is the need to wait patiently.
2 insist on fixed investment. Flexible fixed investment: it is a wrong strategy to buy at the lowest point and sell at the highest point. No one can buy at the lowest point and sell at the highest point every time. The biggest advantage of fixed investment is to spread the cost, especially when the valuation is low, which can greatly reduce the risk of falling. For example, if a fund falls by 20%, the book floating loss can usually be reduced to less than 10%. After that, the fund does not need to increase by 20%, and it can make a profit by increasing the cost by 10%.
3 control the position. When the stock market is at a high level, we should reduce or stop fixed investment or even redeem the fund. Because there is no stock market that only rises and does not fall. For example, the recent Liquor Fund.
Users should try to use their spare money when investing in funds, and know whether it is closed or not when investing. During the closed period, the fund cannot be redeemed. But some funds can be redeemed at any time, and investors can choose according to their actual situation.