In the fund market, the holding time of investors is divided into long-term investors and short-term investors. So, is the fund good for long-term holding or short-term holding? How to choose? The following small series explains how to choose long-term or short-term funds. Let's take a look at it together, hoping to bring some reference.
It is better to hold funds for a long time for the following reasons:
1, low long-term holding cost.
The redemption rate of the fund is related to the holding days. The shorter the holding days, the higher the interest rate. If it is held for less than 7 days, a high redemption fee will be charged according to the standard of 1.5%. The longer the holding days, the lower the redemption rate, even the redemption rate is 0. If investors treat funds as stocks and buy and sell them frequently, the handling fee will be higher, and the income may not even be enough to pay the handling fee.
2. Hold funds that are easy to sell in the short term.
In the short term, investors need to accurately grasp the trend of funds in day trading, and earn a certain price difference by selling high and sucking low. Otherwise, it is easy for retail investors to sell the fund or buy it at a high level, that is, after investors sell it, the fund rises, misses the rising market of the fund, or frequently changes positions, so that investors stay at a high level and expand losses.
3. Short-term interference with the overall situation of investors
Frequent trading requires retail investors to keep an eye on every detail of the disk, not only the market, but also the hot spots and a foundation, which will greatly distract investors' time and energy without thinking about the big development direction.
4. The long-term holding income is higher than the short-term holding income.
According to historical statistics, investors' long-term income from holding funds is higher than that from short-term day trading.
It is easily influenced by the market in the short term.
People are more susceptible to market sentiment, and investment is often anti-human. Ordinary people see their money losing or rising every day. Even if you have confidence in a certain industry, it is easy to be swayed by considerations of gain and loss, which eventually leads to chasing up and killing down.
Seize the stocks with continuous daily limit.
In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.
Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.
As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.