Buying funds now is one of the popular investment and financial management projects. People want to make money by investing. Because there are many types of funds, the benefits and risks of different products will be different. For the first time contact with the fund, they are asking that buying the fund will not lose everything. The following is 202 1 _ how to calculate the fund conversion fee and how to buy the foundation for everyone. I hope I can help you.
Buying foundation won't ruin you.
Nowadays, many people know how to manage money, among which buying funds is more popular. Because some people don't understand funds, they won't go bankrupt to buy them. In fact, there are several influences, such as asset risk, market risk, system risk and so on. In fact, any investment is risky. When buying a fund, we must first understand the fund products and risks, which can greatly avoid losses, but do you know how much we can buy a fund?
It is understood that the entry threshold for fund investment is now low. According to the different fund sales of different institutions, the initial investment amount ranges from the low point of 10 yuan to 1 000 yuan. In addition, private equity institutions have a higher threshold for investors, with an initial investment of 6,543,800 yuan. Investors can choose funds according to their risk-taking ability, hoping to help you.
How do financial novices buy funds? 1. Understand the performance of the fund. There are many reference indicators about the performance of the fund. You can refer to the fund rating. All funds that can rate funds are recognized authorities. Rating agencies have a complete set of procedures for fund rating, which is more reasonable and convincing based on the performance of funds and considering other risk factors.
Second, evaluate the risk of the fund. There are also many specific indicators of fund risk, such as volatility. Different types of funds have different risk-return ratios. First of all, we should choose varieties that meet our own risk tolerance, and then compare the risk characteristics among similar funds. It is suggested that you can choose a fund with a medium risk ranking among similar funds.
It should be noted that some risks in fund products are relatively high, such as hybrid funds and equity funds. Small partners should think carefully before investing. After all, when the market is bad, they may lose money!
How to calculate the fund conversion fee?
The fund conversion fee basically includes two parts: "redemption fee transferred to the fund" and "replenishment fee for subscription". Different fund types and different funds have different fund conversion fees. The calculation formula of fund conversion fee is: fund conversion fee = redemption fee of transferred-out fund+subscription fee of transferred-out fund to make up the difference.
Conditions for fund conversion:
Both a fund and b fund must be convertible funds to convert each other, because not all funds support conversion; If fund A is a front-end charging mode, then fund B can only be a front-end charging mode. If fund A is a back-end charging mode, then fund B can be a front-end charging mode or a back-end charging mode.
What does money transfer mean?
The adjustment of fund positions means that fund managers adjust the types or positions of positions according to the changes of market conditions in order to cope with market fluctuations and obtain better returns. Fund managers may change positions every trading day, because fund managers will assess the situation, track every potential stock, buy at a relatively low level, and throw out stocks with large gains. Investors only need to trust the fund manager.
If the fund changes its position by replacing the weak stocks in the constituent stocks with strong stocks, this position change is a good thing, which will attract investors in the market to buy to a certain extent, thus pushing up the fund price; If the fund changes its position by replacing the strong stocks in the constituent stocks with weaker stocks, this position change is a bad thing and will lead to the decline of the fund price.