We have some money to solve the problem of food and clothing, and we don't want to be in the minds of others. Let's focus on investment and financial management. Now with the strengthening of people's financial awareness, more and more people begin to invest in financial management, and fund investment is a good choice. So how do investment funds get excess returns? The following is Bian Xiao's collection on how investment funds get excess returns _ 202 1 What types of funds are there? I hope I can help you.
How do investment funds get excess returns?
1 First of all, we must find the right way of capital investment. If you hold high-quality active funds for a long time, you can enjoy the sustainable growth of the enterprise.
You need to learn business knowledge for a long time and cultivate your own business insight.
The most important thing is the cultivation of human nature. Investment decisions are often anti-human. For example, in areas where the stock market is undervalued, we should overcome our fears and dare to buy, and in areas where the stock market is overvalued, we should overcome our greed and resolutely sell. If you can't control your greed and fear in the stock market, you have no chance to make money.
Investment funds are a way to make slow money, and most people think that funds are tools to make quick money. As a result, most people only lose money and don't make money.
5 constantly reflect on every investment in the past and constantly improve your investment methods and internal cultivation, so learning has been on the road.
What kinds of funds are there?
1 Equity fund, a high-risk fund, mainly invests in stocks. Among them, stock investment accounts for more than 60% of the net asset value, and stock funds have high returns but high risks, mainly for people who have a lot of idle funds but have no time to take care of them, mainly in the medium and long term.
2 Bond fund hybrid fund, which belongs to medium and low risk fund, mainly invests in bonds, of which bond investment accounts for more than 80% of the net asset value, and belongs to medium and low risk fund with relatively stable income. In some years, the income of 5% ~ 10% is normal, and even in some years, the income can reach more than 1 1%, mainly in the medium and long term.
Monetary fund is a risk-free fund, which mainly invests in government bonds, central bank bills and large deposit certificates of some state-owned banks. With such a strong backing, there is no risk. Our common Yu 'ebao and Yu Baoli belong to money funds, so money funds are also called "quasi-savings products" by people in the industry.
Common mistakes in fund fixed investment inventory
1 Frequent operation. Some people will choose to increase their positions when the fund falls, reduce their positions when it rises, and operate frequently. This method is feasible in theory, but not in practice. Most people who make fixed investment in the fund don't have much investment experience, and some of them have lost their lives in the stock market, not professional investors. If you can judge the market trend, direct stock trading, or direct trading of funds will be over, why invest in it? It is difficult for ordinary investors to overcome human nature and always pay attention to the market. Inevitably impetuous, prone to operational errors. Moreover, if the amount of fixed investment continues to increase when it falls, will there be insufficient funds in case it falls all the way? As a result, a lot of money was invested in the waist, and when it finally fell sharply, there was no money, but it would lose a lot. Some people, because the more they buy, the more they lose money, the more afraid they are to buy, and they begin to doubt the fixed investment or even stop the fixed investment plan. The final outcome can be imagined. When it goes up, it is easy to miss the best selling opportunity because of subjective judgment, so that you can take the elevator back and forth. Therefore, since you have chosen the fixed investment of the fund, you should treat the fixed investment of the fund as a deposit, do not pay close attention to it frequently, and do not operate it frequently. When should I pay attention? When the streets are discussing the stock market, we can see how much profit there is and prepare to retreat in stages.
2 No revenue target has been set. Fixed investment needs to be withdrawn, not to say that after a bull-bear market cycle, fixed investment is still silly. Fixed investment solves the problem of buying, but it does not solve the problem of exiting, so we must set the target income and exit with fixed investment. Investing without a goal is like running without a goal. Sooner or later, you will fall to the ground because of fatigue. You can set a goal of rate of return, such as annualized 15%, or you can set a goal of money, such as accumulating a pension. Of course, everyone has different goals. If the profit target you set is 10%, you may be able to achieve it in small rounds. If you set a goal of 30%, it may take a big circle to reach it. Many people ask how to quit after the rate of return reaches the standard, whether to quit completely or sell in batches. There are two better ways. The first way is to throw out all the profits and then continue to vote. Because the sale is profitable, only the principal is left, and the yield is zero, so you can continue to vote. This situation is suitable for investors who need to save and can continue to invest their money in fixed investment funds. Second, throw out all profits and principal, and then start a new round of fixed investment. This situation is suitable for investors who don't invest much or need money.
3 Make up positions frequently and the amount of make up positions is too large. When the market falls, we will encourage investors to increase their investment. But many investors, because they want to reduce costs quickly, will make a lot of additional investment. If the market does not turn the corner, but the idle funds used to cover the position are exhausted, the mentality of fixed investment will easily collapse, and fixed investment will not be sustainable because of lack of funds. The fixed investment of the fund is a protracted war, and it is not advisable to make profits through short-term trading. The bargain-hunting in the fund market is as difficult as the stock market, so don't imagine that you can buy at the bottom of the fund, which is almost impossible. Generally speaking, if the floating loss 10% to 20%, it is not recommended to make up the position blindly, and more than 20% can make up the position appropriately. In addition, the amount of covering positions is only some idle funds, not the main force of fixed investment, so the amount of covering positions should not exceed half of the total amount of fixed investment. If the coverage fund is regarded as the main fund, it is equivalent to returning to the way of actively buying fund investment, which deviates from the essence of the fund's fixed investment.
4 blindly choose the fund target of fixed investment. Generally speaking, when choosing a fund for fixed investment, the main target fund is the index fund. Radical selection index increases the number of funds, and only a few will choose industry funds for fixed investment. Theoretically, there should be no subjective judgment on fixed investment, and there should not be too many subjective thoughts on the choice of funds. If you are very optimistic about the investment opportunities in certain sectors, you can choose the stocks in this sector to invest. Since we have chosen the fund and fixed investment method, we should try our best to avoid these problems. If you carefully study the fund market, you will find that most of the funds that can't be turned around are concentrated in theme funds, and there is almost no shadow of index funds. Because the industry and cycle are rotating, the index will also rise and fall with the rise and fall. As long as the time is long enough, there will be no situation where you can't get up on the ground. However, those actively managed investment funds, due to the fatuity of some fund managers, may have such problems, and even will eventually be liquidated. Therefore, investors who have just started to make fixed investment should never blindly choose funds, and absolutely avoid small-scale funds and fund managers with poor average performance and income in the past.