(1) First of all, we should know the type of our investment, whether it is steady or radical. Because if you buy these basics, then in the big bull market, the basics that go up every day will torture your heart. Fund dividends are similar to those of listed companies. It is necessary to sell stocks first to form realizable income, and then implement dividends. Fund holders get real dividend income, and the split only changes the corresponding relationship between the net value of fund shares and the total fund shares, but does not affect the change of investors' total assets. There is no need to sell stock assets for fund split. In fact, the biggest drawback of splitting the base is that it will directly lead to the rapid expansion of the fund scale and indirectly affect the rapid growth of income for a period of time. Some people think that as long as the base in hand is to be split, it is time to consider changing the base (excluding small dividends).
(2) How to choose among more than 3 funds? Suggestions refer to the strength of the fund company, the past performance of the fund in the market, and the ability and reputation of the fund manager. Personally, I am optimistic about Guangfa Department, Southern Department, Huaxia Department, and Yiji Department. You only need to buy the best-performing ones in these companies. For example, Guangfa Jufeng in Guangfa.
(3) What is the best way to buy funds? It is best to choose the online sales of fund companies to buy. The advantage of this way over the bank counter and online banking is that on the one hand, the handling fee is much cheaper, and most importantly, if you buy a fund and feel that you have bought it wrong, you can switch to other funds with good performance under the same fund company in time. This saves the time and expense of redeeming funds from the bank and buying them again, and it doesn't delay you counting money every day at all.
(4) how to allocate money to buy funds? If you don't have millions of funds, it is recommended to hold 3-5 foundations based on 1W. In terms of long-term returns, the difference in yields between the best and worst bases in the top 1 markets will not exceed 15% at most. So as long as you don't buy the worst base on the market, there is absolutely no need to keep a pile of bases in your hand. Are you tired?
(5) Choose a large fund to buy or a small one? In my opinion, the foundation with a scale of about 6 billion has the most stable performance. The plate is big, with more than 1 billion elephants on it. Sometimes it is not very flexible to run. The plate is small, only one billion or less, so don't buy it. Why? There is a potential risk, that is, some black-hearted fund companies will forcibly expand their models in order to earn fees and management fees. For example, the recent Penghua value is a lesson.
(6) how to combine and allocate buying funds? Look at the top ten heavy positions of major funds. I have always believed that buying a fund is actually equivalent to indirectly buying ten stocks of the fund. Therefore, before buying, please see clearly the stock you indirectly hold, which is related to the future growth space of the fund you hold. Of course, this is also the importance that I emphasize the ability of fund managers. A good fund manager, we don't have to doubt his ability to choose stocks and adjust positions at all, which can make people sit back and relax. Then if you want to buy more than two bases, you should pay attention to the combination configuration, that is, the two bases you choose, and the top ten positions should be complementary, not overlapping positions. That's no different from buying the same base. At present, many bases in the market have high overlap in the top ten heavy positions, so everyone should pay attention to it. Some fund departments, heavy real estate stocks; In some fund departments, the heavy position is steel stocks; Some fund departments are biased towards financial stocks; I won't go into details here. It's actually not hard to find by your own research. So if you are optimistic about real estate stocks and financial stocks at the same time, then you have to find the bases of these two industries and make configuration purchases. Others and so on. In addition, there are giant field resources and large and small plates for non-ferrous metals, so these two are very suitable for small positions.
(7) What should I do in the early stage of buying a fund? Study, analyze, weigh, and then make a decision. Do you think you can keep a foundation that you don't know for a long time? The scale of the fund, the fund manager and the investment style are the minimum areas of understanding. Don't rush in just because you see a base running well and performing well for a while. You should know that many basic styles are rising fast and falling fast. If you recognize this style, you can buy it, otherwise don't be impulsive for short-term profits.
(8) What mentality should I use to buy funds? Normal mind is very important. Don't stare at the list of ups and downs all day, just laugh when your base is in the top ten, and be depressed when your base falls to 5. You know, there may be a difference between the top ten and eleven, so why bother with .1%? . . Because of the small gap in the day, I am unhappy. If you hold it for a long time, you don't have to look at the net income every day. It is better to take this time to learn some investment common sense.
(9) Can I buy a fund now? The point is so high. Is it safer to buy a new base? The key is whether you think 5 points is the highest point of China bull market. If you think so, then you don't need to buy stocks and redeem short positions immediately. If you don't think so, as long as there is still room for 1 points in the market, then the fund will have at least 25% profit space. You should weigh whether to enter or not. Even if it is the top of the stage now, then you can either wait for the callback or enter now. Long-term investment. If the new base is safer than the old base, I think it is nothing more than the level of net worth. This idea has gone into a misunderstanding and is wrong. In fact, when the market is high, the position of the fund mainly depends on the risk coefficient of the fund. Because the new fund has just opened a position, the position will be lower and the risk will be smaller, but it also means that the rate of return is not high. If the market is bullish in the next stage, There is a risk that a new fund will be short-lived. So if you are bearish on the market outlook or think that the market outlook needs to be adjusted for a period of time, I suggest that you can buy a new fund. My suggestion here is that investors with large funds or stable investors should choose a stable fund to buy. Sometimes fast running may not be the best for you, because falling may also be quick. When buying a fund, I still think that the best fund in your eyes is the one that suits your investment style best.