At present (2065438+early March 2009), if you buy it at one time, the income will be greatly discounted and you will have to bear certain risks. Therefore, instead of bearing the unpredictable consequences after a one-time purchase, it is better to share the purchase weekly or monthly. Bury the money for a long time, and slowly, the average market price is bought by you.
Usually, the behavior of going down won't last long, and if you fast forward, you will definitely come out. Only by investing slowly, the risk is reduced by you, and sustainable profit is achieved, which is a steady investment. ?
Investing in ETF is a sharp weapon for indexed investment, but many people suffer from not having a suitable account. Many brokers require a minimum commission of 5 yuan for each transaction. ?
Then even if the commission level is three ten thousandths, the amount of a single transaction should be at least 16667 yuan. It's not cost-effective to pay below this figure.
However, compared with real bonds, the issues that need further consideration are the certainty of income and the way of cashing.
An ordinary bond (regardless of the debtor's default), if it is intended to be held at maturity, how much interest it can receive and when it will receive interest and principal will be decided from the beginning. Stocks, including equity funds such as 5 10880, are different.
First of all, the income of the fund is actually determined by the operating conditions of the company behind it every year, and the operating conditions of the company will change due to various factors, which is so complicated that no one can make an accurate prediction.
Fortunately, due to the operation mode of index funds, if you believe in probability and mean regression will only be late and will not be absent, then as a long-term investor, it is quite reliable to use the current profitability of 5 10880 to predict future potential returns.
Second, the "perpetual debt" has not expired, and the only way to realize it is to sell and pay dividends. In case of dividends, the dividend yield of the Shanghai Stock Exchange dividend index currently exceeds 4%, and although the fund 5 10880 tries to pay dividends every year, the dividends of the fund have certain articles of association, which do not completely correspond to the dividends it receives. If you sell it, due to market fluctuation, you may not be able to cash in the proceeds at theoretical value.
Like the United States, the bulls and bears are short, the fluctuations are relatively small, and there is a capital gains tax. Buying and holding for a long time is a good strategy. Considering the short bull and long bear characteristics of China stock market, this strategy is not ideal.
Generally speaking, you need to make such a strategy: only buy when the valuation is low (the potential rate of return is high) to a certain extent (now the price-earnings ratio of 5 10880 is a position worth investing), and the lower the valuation, the more you buy; If the valuation is high enough, it needs to be sold gradually or even cleared.