1. Pay attention to the proportion of fund types according to your risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.
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.
3. Pay attention to the later 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.
4. 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.
5. Be careful not to "love the new and hate the old" and 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.
6. Be careful not to buy bonus 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.
7. Be careful not to talk about heroes by short-term ups and downs. 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.
8. Pay attention to flexible investment strategies such as steady and worry-free fixed investment, affordable and simple dividend conversion.
Extended data
Four pitfalls of fund investment:
1, common sense error. Since funds can get better returns than savings deposits, they should convert savings deposits into fund products in time, and there is no need to put funds in the bank. There is nothing wrong with this idea of increasing capital itself. But different investors have different economic bases and anti-risk ability.
2. Experience is wrong. For investors, the ability of fund managers to manage and operate funds is fully recognized, which is a sign that investors are optimistic about funds.
But not all experienced fund managers will achieve good investment performance in the actual fund investment. Experience sometimes fails. Because different market environments need to adopt different investment strategies.
3. Profit trap. Due to the hot stock market in 2006, investors made a lot of money in fund investment, which triggered a fund investment boom. This irrational fund investment impulse directly led to the expansion of the variety and scale of the fund market in 2007, which further enhanced investors' expectation of future income from fund investment.
The phenomenon of amplifying the fund's income has become a popular color for investors, further covering up the potential investment risks of the fund. I believe that investors can earn more investment income as long as they participate in the investment of fund products. Regardless of the actual performance of fund varieties.
4. Loss trap. The potential investment risk of the fund will be released to a certain extent with the change of the securities market environment. However, it is obviously biased to regard funds as investment products that will not lose money. Because the higher the net value of equity funds, when their positions are heavy, once the securities market is adjusted, the implied investment risks and losses are incalculable.
Baidu encyclopedia-fund investment
Baidu encyclopedia-fund