Funds are much milder than stocks, but they are also not guaranteed, so you should master some skills when buying funds, especially for novice investors. The following is what kind of fund type Bian Xiao has prepared for you, which is relatively stable. I hope I can help you!
Which fund type is more stable?
The relatively stable fund type is bond fund. Bond funds mainly invest in fixed income securities, such as government bonds, corporate bonds and other fixed income instruments. Compared with stock funds and other high-risk fund types, bond funds usually have lower volatility and more stable returns.
The stability of bond funds comes from the following aspects:
Fixed income: bond is a fixed income tool, usually with stable interest payment. The return of bond funds mainly comes from the interest income of bonds, which is relatively reliable and stable.
Principal guarantee: Bond funds usually focus on the types of bonds with low investment risk, and at the same time diversify the bond portfolio to protect the principal. This diversification strategy helps to reduce the overall risk of the portfolio.
Maturity: Bonds invested by bond funds usually have a clear maturity, which enables fund managers to better plan and manage capital liquidity and control the risk of portfolio.
What are the misunderstandings in fund operation?
Short-term speculation: Some investors may try to get high returns through short-term trading and market timing. However, fund investment should usually be regarded as long-term investment, and too frequent trading and speculative operations may increase transaction costs and affect long-term investment returns.
Insufficient research and risk assessment: investors may not fully consider the investment strategy, risk level and past performance of the fund when purchasing. Failure to conduct adequate research and risk assessment may lead to inappropriate investment choices.
Over-reliance on past performance: investors may rely too much on the past performance of funds to make investment decisions. However, past performance does not guarantee future performance. Investors should consider many factors, such as the fund's investment strategy, risk control and the ability of fund managers.
Centralized investment and lack of diversified investment: concentrating all investments on a few funds or assets may increase the risk of portfolio. Diversification can reduce the risk of a specific stock or industry. Investors should make rational asset allocation and diversified investment according to their own risk tolerance and investment objectives.
Basic knowledge of novice fund entry
First, make a risk assessment.
Just look at your risk tolerance, and then choose the fund type that matches your risk tolerance according to the evaluation results. The fund risk from small to large is R 1-R5, R 1 belongs to cautious products, R2 belongs to stable products, R3 belongs to balanced products, R4 belongs to radical products and R5 belongs to radical products.
Second, choose a good fund
The better the historical performance, the higher the income, and the more money you may make in the future; Buying a fund is actually buying a fund manager. Whether you can make money depends on the investment ability of the fund manager. Maximum retracement is used to describe the worst possible situation after purchasing the product; The higher the Sharp ratio, the better.
Third, buy low and sell high.
Buy when the net value of the fund is low, sell when the net value is high, and earn more money to avoid falling into the dilemma of chasing up and down. You can go against the trend when the market valuation is low. For example, when the fund market environment is not good, funds are falling, and you can enter the market when it falls to a certain extent.
Fourth, don't operate frequently.
Think carefully before you buy, choose well, and once you buy, don't waver easily, that is, don't buy and sell frequently, because funds are not suitable for short-term operation like stocks. Statistics show that after purchasing funds, with the increase of investors' trading frequency, investors' profit ratio and average rate of return will decrease.
Verb (abbreviation for verb) Fixed investment.
I don't have much study time, my patience is not good, and I can't control my desire to buy and sell frequently. Might as well vote directly. In the process of fund investment, it is normal for investment to experience short-term floating losses. Many people just saw a little drop and sold it, and regretted it, so it is better to make a fixed investment, and the best effect is about three years.
Sixth, believe in yourself.
Believe in your own vision and analysis, believe in the fund you bought, the fund manager you chose, and believe in your loyal wife. In fact, buying a fund means that we give professional things to professional people, and the investment team helps you choose the professional foundation, configuration and timing, and strive to improve the winning rate of fund investment.
When a novice buys a fund, he must first learn the basic knowledge, then combine with practice, and finally sum up his own investment plan and suitable investment method.
How do novices invest in funds?
How long can the money used to buy the fund be kept in the fund?
Every sum of your money depends on time. Some people only invest short-term money, such as changing their mortgages next month, and some are long-term, that is, their idle funds will not be used in the past three to five years. Then, the investment direction of money with different time attributes is definitely different.
If the money used to buy funds needs to be used at any time, it is not suitable for stock funds, index funds and so on. It is more appropriate to put it in a money fund or an ultra-short debt fund. If it is long-term money, then you can make a long-term investment plan.
What is your expected rate of return on this investment?
How much money do you hope to earn by investing? If you manage your income expectations well, you can choose a variety that is more suitable for you. If your income expectation is high, for example, if you want to earn more than 20% a year, then the money fund will not be your choice. However, if you buy a stock fund, the market is better, and you can expect the annualized income to double.
How much loss can you bear?
Income expectation should be linked to risk. There is no product with high yield and zero risk. If you neglect your risk tolerance in pursuit of high returns, the process and result of investment may make you exhausted. Only by choosing a fund within your own risk tolerance can you become a rational investor.
Novice investment fund skills
Discover hidden excellent funds in advance.
Today's society is an information explosion society, and we also have deep feelings in the process of fund investment. It seems that there is a platform to recommend explosive funds to you at any time. Under normal circumstances, when these funds are excavated, their performance has risen to a better stage. If we have advanced thinking and dig them out when they are not fully grown up in the early days, we can enjoy more excess returns. Because these funds have not been fully tapped, the scale will not be too large, which may be between 500 million yuan and 654.38+0 billion yuan. At each stage, the fund has good performance and strong stock selection ability.
Adopt the strategy of balanced allocation and strengthening industry rotation
In the configuration of the industry, we should adopt a relatively balanced strategy, not blindly chasing short-term market hotspots, and chasing short-term hotspots is easy to become a pick-up man.
Leave the enhancement of industry rotation to fund managers and choose fund managers who are good at industry rotation. These fund managers are usually more responsive to the market and are good at capturing structural opportunities in volatile markets.
Switch styles on the basis of balance.
Generally speaking, the investment styles in the market can be divided into growth type and value type, and A shares have very obvious characteristics of style rotation since history.