How to make investors make money and earn more money? It is generally believed that if investors can hold funds for a long time, the probability of making money may be greatly improved. Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!

How to buy funds in a volatile city

In the first two months of 2022, the "investment difficulty coefficient" of A shares was particularly large. Wind data shows that by the end of February, the Shanghai Composite Index had fallen by 4.88%, the Shenzhen Composite Index by 9.43% and the Growth Enterprise Market Index by 13.28%.

How to buy funds in a volatile market? Li Biao, an investment veteran with 1 1 year asset allocation experience, pointed out that investors need to remain optimistic and not be intimidated by short-term adjustments; We should also attach great importance to "allocation power", build a relatively balanced investment portfolio by selecting high-quality funds, and strive to be steady and steady to meet the flowers in spring.

Li Biao particularly emphasized the importance of "choosing a good fund". He believes that only by holding a good fund can we calmly cope with market fluctuations; If the capital combination and allocation itself are not reasonable enough, then investors may face double losses of time and money.

FOF products have the advantages of asset allocation and professional base selection, which is naturally a good medicine to solve the "bull-bear anxiety". From the data point of view, under different market conditions, FOF funds have shown excellent risk control ability.

How to choose a good fund

"FOF fund managers select excellent fund managers in the whole market, select experts from all walks of life and package them into a combination. What kind of combination is this? First of all, compared with the market and ordinary partial stock funds, this portfolio is relatively more stable and has strong style adaptability, which can enhance our holding experience to some extent. So we say that FOF is a very good tool for individuals to do wealth management. " In the recent public live broadcast, Li Biao's frank sharing made many investors feel * * *.

Li Biao has 14 working experience and 1 1 FOF investment experience. Responsible for investment business in Guoyuan Securities and Ping An Assets successively, and joined Huitianfu FOF team on 20 17. Several FOF products he manages are quite eye-catching. Among them, the performance of Huitianfu Pension in holding mixed FOF in 2050 was 2.3 1 times of the benchmark of the same period, and the performance of Huitianfu Pension in holding mixed FOF in 2040 was 2.3 times of the benchmark of the same period.

Li Biao divided the fund selection into three levels.

The first is "looking at people". Ordinary investors may pay more attention to the fund manager's performance, but Li Biao and his investment team will use a comprehensive qualitative and quantitative analysis framework to deeply analyze the factors behind the fund manager's performance, including the fund manager's personality, risk preference, investment concept, investment ability and corresponding ability circle, and even the fund manager's diligence, professionalism, long-term learning and evolution ability.

The second step is "selecting products". In this step, FOF fund managers will focus on the products managed by relevant fund managers, and deeply analyze the sources of excess returns and risk characteristics of these products. Analysis methods include qualitative research and quantitative analysis, such as dismantling historical location according to public information and carefully verifying it through various details.

The third step is "configuration". In Li Biao's view, FOF fund managers will have a continuous accumulation in the market, sub-sectors and even individual stocks. Only in this way can they make a good configuration and choose the right people and products at the right time.

"And we can't just look at the fund's ability to make money, not just its offensive ability, but also its defensive ability and the fund manager's control over portfolio risk and retracement. Because we hope that these fund products at the bottom will make money for us for a long time, rather than skyrocketing, we don't need such funds. " Li Biao stressed.

Hui Tianfu voluntarily returned to hold the hybrid FOF for one year.

Li Biao mentioned in the fourth quarterly report of 2002/KLOC-0 that Huitianfu will hold a mixed FOF pension in 2050: "As the fourth quarter presents certain theme investment characteristics, it is more difficult for institutional investors to seize this opportunity. Based on the judgment of the future market, the Fund made further adjustments in the fourth quarter. Assets related to high-prosperity industries, long-term high-quality assets, stable economy-related assets, and low-valued assets are all laid out, and the portfolio style is relatively more balanced. "

Regarding the investment prospects in 2022, Li Biao pointed out that in the future, more attention will be paid to fund managers with particularly strong stock selection ability, and industry funds will be restrained, and efforts will be made to transform the "α" of fund managers into tangible performance of FOF products.

"We still believe that investment opportunities may come from assets that benefit from a stable economy, long-term high-quality assets and some high-prosperity tracks. However, the high probability in 2022 is still a structural investment opportunity, not an index or trend investment opportunity. Therefore, we must build a relatively balanced combination. Under each style, we must choose fund managers with strong stock picking ability. " Li Biao said.

It is reported that Li Biao's new fund, Huitianfu, will be officially issued on March 7, holding a hybrid FOF with a positive return for one year.

The Fund will conduct long-term asset allocation with a positive investment style, and pursue long-term appreciation of fund assets by building a fund portfolio that matches the income risk level, while controlling investment risks and maintaining good liquidity.