0 1 It is very important to choose a high-quality fund when making a fixed investment. Because only high-quality funds can bring us high returns, while inferior funds can not only make us profitable, but also may lead to a certain loss of our principal.
Everyone knows that the stock market is very good in 20 19 and 2020, which has driven most funds to make good returns. However, if we count the income of all funds during this period, we will find that there are 228 funds with a yield of more than 200%, and there are 170 1 funds with a yield of more than/kloc-0%. But in such a good situation,
So how to choose a quality fund?
① passive fund
Passive funds are mainly index funds, and the following three indicators can be used to select high-quality index funds.
First: the size of the fund. The fund size should be above 200 million, and the risk of liquidation of funds below 200 million will be greater;
Second: tracking error. The quality of index funds is mainly measured by tracking error, and the smaller the tracking error, the better;
Third: the rate. Different index funds will have different rates for tracking the same index, but it is better to choose a lower rate.
② Active fund
There are also three indicators for selecting high-quality active funds:
One: the fund manager. If active funds want to get high returns, they must have excellent fund managers or fund teams, mainly through the stability of fund managers and investment styles.
Second: historical performance. Although historical performance cannot represent future performance, the probability of "getting into a good university by learning hegemony" is higher, and funds with better historical performance are more likely to obtain high returns in the future. The historical performance can be judged from two aspects: excess return and fund rating. (Excess rate of return = growth rate of fund net value-comparison standard of fund performance)
Third: the ratio of income to risk. The ratio of return to risk is mainly measured by Sharp Index, which is = (average return-risk-free return)/standard deviation. Sharp index mainly reflects: the excess return that can be given by unit risk.
Be prepared for long-term investment. In 2020, the stock market was hot, but there were still many investors complaining online that they had lost money buying funds. These people all have one thing in common: when they see others buying funds to make money, they buy funds themselves, and when they find that the funds are losing money in a few days, they quickly redeem them.
You should know that the fund is originally a long-term investment process. When we see others making money and then buy it ourselves, it is already a high price. However, if it is a fixed investment by the fund, we don't have to worry. Even if we continue to make a fixed investment in the later period, our position cost will be reduced. However, it is inevitable to sell the loss immediately after seeing the decline, not only because of the loss, but also because of the high handling fee for holding it for a short time.
A shares have always been characterized by "short bulls and long bears". Fixed investment can make even small white investors who can't choose the right time reduce the cost of holding positions in a bear market. When we enter the bull market, it is time for us to turn losses into profits, and the bear market is long, which requires us to have enough patience. And even in a bull market, fund returns do not always rise, and may fluctuate back and forth and rise slowly. If you want to see the income, you have to hold it for a long time, and friends who make time can enjoy high income.
Learn to make profits. As mentioned above, we should be prepared for long-term investment, but what we need to know is that long-term investment does not mean holding it all the time. When it is time to sell, you have to sell, because the market fluctuates greatly, and there is a bear market after the bull market. Only by learning to take profits can we keep profits. There are three common ways to make a profit:
① Target take profit method. Set a target profit point at the beginning of the fixed investment, and redeem the fund share after reaching this profit value.
② Dynamic take profit method. Set multiple target profit points, and when one profit point is reached, redeem some fund shares until all fund shares are redeemed.
③ Market sentiment adopts profit-taking method. When the market is very hot and people around you start talking about stocks, you should be alert that the market has reached its peak.
You should know that the market is dynamic, and there will be ups and downs. If you have been holding funds, it is very likely that even if you get a lot of income in the early stage, you may return it to the market in the later stage. Only by learning to take profit, will you really make money.
To sum up, for small white investors, there are three points to pay attention to in fixed investment, namely, choosing high-quality funds for fixed investment, making preparations for long-term investment, and learning to take profits.