Funds and stocks are both a way of personal finance. It doesn't matter which is good or not. The key is to see if it suits you. So are we novice investment funds or stocks better? Bian Xiao compiled here why more and more people choose to buy funds for your reference. I hope everyone will gain something in the reading process!

Characteristics of stock investment

Xiaoguang summed it up for everyone. Stock investment probably has the following characteristics:

1, with large fluctuation and great income elasticity.

Historically, we witnessed that the Shanghai Composite Index plunged by more than 70% in 1 year after soaring by more than 200% from the end of 2006 to the end of 2007. From the end of 20 14 to 20 15 years, the Shanghai Composite Index soared by over 100%, and then plunged by over 40% in the following six months. Therefore, in the short term, A shares are likely to fluctuate greatly.

2, the professional requirements are high.

At present, there are more than 4,000 A-share listed companies, and the performance of different stocks varies greatly. Ordinary investors need to have macro, industry, fundamentals, technology and news analysis ability to improve their probability of choosing bull stocks.

It is more difficult for retail investors to make money by stock trading.

Old investors know that there is a saying that "7 losses and 2 draws 1 gains" circulating in the stock market. According to the data of Shanghai Stock Exchange, in the statistical interval of 20161-2019, only the single account of institutional investors and corporate investors achieved an average positive return, and the annualized return of individual investors was negative regardless of the amount of funds.

Characteristics of fund investment

The fund investment has the following characteristics:

1, the fund has the characteristics of diversification.

Funds can invest in a basket of stocks, bonds and other securities in different markets, which can spread the risks of individual stocks and single varieties. Therefore, compared with investing in individual stocks, the risk probability of buying a fund is relatively low.

2. The fund is managed by professionals and institutions, which is more professional.

From June 2065438 to June 2009, there was a statistic that tracked 3522 fund managers and analyzed the universities they graduated from.

Most fund managers graduated from well-known universities at home and abroad, majoring in economics, finance and business administration. According to education statistics, doctors and masters are the standards of fund managers, including 435 doctors and 2874 masters. It can be said that the people who manage funds for us are basically masters.

Behind the fund manager, there is also a strong investment and research force of fund companies as a support, which is a resource that is difficult for individual investment to obtain.

3. Low starting point and good liquidity.

Many platforms in Public Offering of Fund now support 1 yuan purchase, with a very low starting point. Open-end funds generally have no closed period, so it is convenient to purchase and redeem. Redemption through the agency channel can generally arrive in three working days at the earliest, and redemption through the direct channel can be faster (the specific time is subject to the receipt of the platform).

Stock trading or buying funds?

If you compare the income data of stock trading and fund buying, you can get other income.

According to the data, during the period from February 24th, 20 15 to February 24th, 2065438+ 10/2 this year, the loss ratio of individual stocks in the A-share market was as high as 80. 17%, with the largest increase of 2152./kloc. The loss ratio of the fund is 5.05%, with the largest increase of 553.84% and the largest decrease of 87.5%.

In this range, the Shanghai Composite Index rose by -0.76%, almost zero, while the Shenzhen Component Index and the Growth Enterprise Market Index rose by 18.85% and 14.24% respectively.

In contrast, Public Offering of Fund's performance is relatively outstanding. In this range, the returns of stock funds and partial stock mixed funds are 102.85% and 86. 14% respectively, with 4 12 funds with an increase of more than 100% and 37 funds with an increase of more than 200%.

In the past two years, when communicating with customers and friends, Xiaoguang found that more and more people began to feel that it is better to hand over funds to professional fund companies than to stock themselves. Mainly in recent years, most of the time is a structural market. If you can grasp the stocks and industries that have risen particularly well and play to the extreme, you will be particularly bullish, otherwise you may have to sit on the bench, but as mentioned above, it is not difficult for individual investors to choose bull stocks and keep a good rhythm.

Some time ago, there was a saying on the Internet called "Don't challenge others' jobs with your hobbies". Therefore, Xiaoguang believes that for most people, it may be a better choice to manage money easily and laboriously and hand over funds to institutions for management. After all, there is specialization in the industry.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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