1, don't be silly. All funds will invest.
Many investors may find it convenient to make a fixed investment, and it can also spread risks. In fact, there is nothing wrong with it, but generally speaking, WeChat funds need to avoid the following two points:
First, don't invest in varieties with small fluctuations. For example, the monetary fund, the fund's fixed investment itself is the behavior of buying at a low price and selling at a high price in fluctuations. If the investment in money funds and other products itself fluctuates little, it is no different from one-time purchase.
Second, don't believe that fixed investment will always solve the problem. Investors' funds make fixed investment to make money. If the market is at a low level, fixed investment can dilute the cost and wait for the profit to rise in the later period. However, if the market is at a high level, it has fixed investment, so it is increasing. When the fund keeps falling, it sells leeks at the lowest point. Generally, it can be judged by paying attention to its fund valuation in WeChat Fund.
2. The past performance of the fund has reference value, but it does not represent the future.
Although we should try to choose a fund with slightly better past performance, we should not only refer to one aspect, but also the fund manager, fund size, fund ranking, Morningstar rating, etc., and we should also judge whether the fund is at a high level. Generally speaking, the past performance of the fund has reference value, but it does not represent the future.
3. Bond funds may also lose money.
Bond funds can be divided into pure bond and convertible bond. Generally, pure debt bonds have little risk and are unlikely to lose money, while convertible bonds have a higher risk, but the same income is also higher. Convertible bonds are generally more volatile than pure bond funds, so investors should also see clearly whether they are pure bond funds or convertible bonds when buying bond funds.