Funds, like the stock market, are risky, not just making money but not losing money. You should have the ability to bear it yourself. Fixed investment fund is suitable for long-term investment, and the risk is relatively reduced. Minimum monthly investment 100, 200 yuan. It is more convenient to buy funds in the bank, and the handling fee of the bank is basically the same. The fee for buying in a fund company is lower, generally 40% off. If you plan to make a long-term fixed investment, choose a fund with back-end charges to make a fixed investment, so there is no handling fee.
As for which fund company's fund has room for appreciation, it is hard to say, because each fund invests in different stocks and projects. What kind of fund to choose for fixed investment depends on your personal endurance and the length of investment time. Fixed investment funds are suitable for stock funds and index funds, because of large fluctuations, which can effectively dilute costs. However, we must insist on long-term holding. If there is no money to make a fixed investment in a certain month, you can stop investing for one or two months without affecting the fixed investment. However, if the investment is stopped for three consecutive months, the fixed investment will automatically stop. In addition, it is best to change the cash dividend into dividend reinvestment. In this way, if the fund company pays dividends and the fund company buys the fund again, this part of the fund has no handling fee, which saves expenses and can also generate compound interest income.
Choosing a fund is very important:
Fund company
Funds are inevitably in the environment of fund companies in operation, and fund managers will be more or less influenced by the management of the company in their management ideas and methods, so fund companies are also one of the objects to be considered when choosing funds. Ask for financial advice from the following aspects: what is the overall strength of the company and whether its funds generally perform well. In addition to the level of investment management, it also depends on the company's investor service level, whether it is customer-centered and whether it creates as much convenience as possible for customers. In addition, whether the company's internal management is standardized and whether shareholders can provide support is also very important.
Past performance of the fund
It is very necessary for investors to know the past performance of the fund, just like observing the exam results to judge the Excellence of a student. The past performance of the fund shows the profitability of the fund to a certain extent. Although the test score is not the best indicator, it is the most real and available indicator, and so is the fund. It should be noted that the past performance of the fund should be compared with the same type of fund, otherwise the comparison between "apples and pears" is meaningless. For example, stock funds should be compared with stock funds, but money market funds should not be compared with stock funds. At the same time, we should also pay attention to the fact that we should not only compare the returns of funds, but also pay attention to how much risks the funds bear while making money. If the expected annualized expected returns of the two funds are close, please choose a fund with relatively small fluctuations and little risk.
fund manager
When choosing a fund, investors should not only know the historical benefits and risks of the fund, but also know who manages the fund, that is, the role of the fund manager in managing the portfolio. Fund managers hold the investment power, decide the variety and time of buying and selling, and play a decisive role in performance. Fund managers' own investment ideas and ideas have a far-reaching impact on the operation of funds.
Such a key person asked how to pay attention to financial powder? Asking for financial advice can start from several aspects. First, we can start with the performance of fund managers in the past. This is relatively easy to get data, which can reflect their overall strength and investment style. The more data, the longer the span, the more telling the problem. Secondly, look at the experience of fund managers. If the fund manager has done in-depth fundamental research and experienced the bull-bear transition in the post-investment market, such experience is beneficial to the fund manager to manage the fund. Finally, we should care about the professional ethics of fund managers. Why should we pay attention to this? Because investors actually buy the investment services of fund managers, who are entrusted by investors to help investors manage their finances. Trust is the most important thing in this relationship. If the fund manager can't trust him, what can he trust? Therefore, investors should be concerned about whether the fund managers they rely on have been punished by the regulatory authorities and so on.
Fund position structure
Fund is essentially a financial service provided by fund companies to investors, but this service is expressed in the form of portfolio, because funds also want to buy stocks and bonds. Then through the fund's investment portfolio, we can see many characteristics of the fund's investment style. For example, through some statistical methods, we can distinguish whether a fund holds large-cap value stocks or prefers small-cap growth stocks. From the change of portfolio, we can see that the characteristics of the fund in daily operation, such as position weight, shareholding concentration and asset turnover rate, can reflect the investment style of the fund. Of course, the more direct method is to list the top ten stocks of the fund and judge them one by one, and judge the performance of the fund from the potential of these stocks.
After selecting a fund through the above aspects, it depends on whether the fund is suitable for you, and whether the investment objectives, investment targets and risk levels of the fund are consistent with your own goals. In fund investment, there is no best, only the most suitable, investors need to keep in mind.
Methods of purchasing funds
There are several ways to buy a fund: First, the handling fee is 1.5% at the bank counter, 60-20% at the online bank and 40% at the fund company's website. There is also a redemption fee of 0-0.5% when redeeming. These are all front-end charges, which are also the default. There are also back-end charges, there is no handling fee when buying, and not all funds have back-end charges.