1. Comparison between the performance of Shanghai Composite Index and that of equity funds. As a very important index of China A shares, Shanghai Composite Index is regarded as the representative of China stock market. So, what is the performance of the representative Shanghai Composite Index? We hit a high of 6 124 in mid-June 2007, and the performance of the Shanghai Composite Index was really disappointing. 14 years later, the Shanghai Composite Index is still "halfway up the mountain" and fluctuates above 3500 points. The Shanghai Stock Exchange Index represents the China stock market. The performance of the Shanghai Stock Exchange Index shows that most investors have not made any money and are still at a loss.
Then, what about the performance of stock funds (stock funds and partial stock mixed funds)? Judging from the current fund net value, most active partial stock funds have surpassed the high point in 2007. Among them, 105 active equity funds achieved a return of more than 100%, and the return of 3 products exceeded 400%, with the highest of 422%.
By comparison, it is not difficult to find that the Shanghai Composite Index has halved and the fund's increase has doubled. This phenomenon can be explained as follows: for ordinary people, buying funds is better than stock trading.
Second, how does the fund Xiaobai buy the fund? People who have no experience in fund investment (that is, fund Xiaobai) should be particular about buying funds. First of all, we should allocate investment, including the allocation of funds and the allocation of fund types. It is suggested that 6,543,800 yuan of spare money be divided into two 50,000 yuan, 50,000 yuan to buy enhanced bond funds and 50,000 yuan to buy partial stock hybrid funds. The former has little risk and can obtain relatively stable income; The latter is risky, but it can get higher returns. Through this configuration, we can reduce the overall investment risk and get higher returns at the same time.
Secondly, the first time you buy a fund, you should pursue a good experience, that is, focus on "making money" instead of coveting high returns. To this end, we should set ourselves a small profit target (that is, the expected return should be lower). It should be noted that this small goal should be set for each fund. For example, if you buy three funds, you must set a small profit target for all three funds. To achieve the profit target (or close to the profit target), we must resolutely sell, and realize a good experience while achieving stable income.
Why emphasize the good experience of "making money"? Because the experience of making money is good, there will be continuous interest in investing in funds. If you lose money when you buy a fund for the first time, your first impression of the fund will be bad. This impression will make you stop investing in funds, thus losing the opportunity to participate in and share the long-term growth of China's capital market. This is very unfavorable to increase the property income of individuals or families.