Is the fund suitable for long-term investment or short-term investment?
Funds can be held for a long time or a short time, but from a suitable point of view, foundations are more suitable for long-term holding. First of all, holding funds for a long time is easier to obtain income; Secondly, the fluctuation of the fund is relatively small, which is not suitable for short-term holding. If intraday trading is carried out, it is likely that the handling fee will be greater than the income, so investors will lose money. Therefore, if short-term holding can ensure that the income is greater than the handling fee, it is also possible.
Holding the fund for a long time not only has higher income, but also has lower handling fee, including subscription fee, redemption fee and operation fee. Among them, the subscription fee is related to the transaction amount, and the larger the transaction amount, the lower the subscription fee collection standard; The redemption fee is related to the time investors hold the fund. The longer they hold the fund, the lower the redemption fee, even 0. Therefore, from the perspective of fees, funds are also more suitable for long-term holding.
How to choose?
The essence of buying a fund is to buy at a low level, sell at a high level and make a profit at a certain price difference. I suggest that you proceed from your own actual situation and choose long-term holding or short-term holding, mainly depending on the degree of investors' demand for funds. The specific analysis is as follows:
1. If investors need funds in the short term, they can consider holding them in the short term. However, when choosing a fund, it is recommended to give priority to the C-type fund, because the general fund C-type fund can be held for 30 days without redemption fee and subscription fee. Class C funds charge sales service fees, and the longer they are held, the higher the cost of holding positions. So, C.
2. If investors have no capital demand in the short term, then it is recommended to choose long-term holding. Then class a funds can be given priority. Class A funds are generally divided into 0~7 days, 7~365 days, 365~730 days and more than 730 days. The longer you hold it, the lower the selling rate. Some funds that have held Class A funds for more than two years have no redemption fee, but it depends on the fund regulations, because some funds are different and their rules will be different.