How do we understand the daily limit rules of on-site funds? How to deal with the daily limit of funds in the market? What choice should I make? The following is the daily limit selection of on-site funds provided by Xiaobian for everyone, hoping to help everyone.
Which is the daily limit of the fund in the market?
1. investment objectives: investors need to choose appropriate on-site funds according to their investment objectives, such as stock funds, bond funds and hybrid funds.
2. Fund size: Fund size is an important indicator to measure the fund size. Generally speaking, the larger the capital scale, the better the liquidity.
3. Fund expenses: Fund expenses include management fees, custody fees and sales service fees. It is necessary to choose a fund with reasonable expenses.
What kind of fund to choose needs to consider the following factors.
1. Fund type
Different types of funds have different risk and return characteristics. For example, the risk of equity funds is relatively high, but the income may also be high; The risk of bond funds is relatively low, but the return may also be low. Therefore, when choosing a fund, you need to understand the risk-return characteristics of different types of funds and choose the right fund according to your investment objectives and risk tolerance.
2. Fund managers
The management ability of fund managers will also affect the performance of funds. An excellent fund manager can choose high-quality investment targets through in-depth research and analysis of the market, so as to obtain better returns. So when choosing a fund, you need to know the background and management ability of the fund manager and evaluate his management ability according to his historical performance.
3. Fund size
The size of the fund will also affect its performance. Smaller fund size may limit the investment choices of fund managers, thus affecting the performance of funds. So when choosing a fund, you need to know the size of the fund and evaluate its potential according to its size.
Can I still buy it after the daily limit?
You can also buy it after the daily limit. In the A-share market, during trading hours, investors can buy and sell as long as the stock is not closed, that is, when the stock is at the daily limit, investors can buy it at the daily limit, but they may not be able to make a deal. If they sell at the daily limit, they will make a deal.
If a stock has a daily limit, investors in the market are more optimistic about the stock, thinking that it will continue to rise in the later period, which leads investors who hold the stock to cherish their chips and are unwilling to sell, while investors outside the market buy more, that is, buy more and sell less. In this case, investors may not be able to buy the daily limit.
If the stock is at the daily limit, investors in the market are not optimistic about the stock and think that it will fall in the later period, which will lead investors who hold the stock to sell a lot at the daily limit in order to reduce losses. If investors buy in this situation, they may close their positions, but there is a risk of being locked in a high position.
How do novices invest in funds?
How long can the money used to buy the fund be kept in the fund?
Every sum of your money depends on time. Some people only invest short-term money, such as changing their mortgages next month, and some are long-term, that is, their idle funds will not be used in the past three to five years. Then, the investment direction of money with different time attributes is definitely different.
If the money used to buy funds needs to be used at any time, it is not suitable for stock funds, index funds and so on. It is more appropriate to put it in a money fund or an ultra-short debt fund. If it is long-term money, then you can make a long-term investment plan.
What is your expected rate of return on this investment?
How much money do you hope to earn by investing? If you manage your income expectations well, you can choose a variety that is more suitable for you. If your income expectation is high, for example, if you want to earn more than 20% a year, then the money fund will not be your choice. However, if you buy a stock fund, the market is better, and you can expect the annualized income to double.
How much loss can you bear?
Income expectation should be linked to risk. There is no product with high yield and zero risk. If you neglect your risk tolerance in pursuit of high returns, the process and result of investment may make you exhausted. Only by choosing a fund within your own risk tolerance can you become a rational investor.