One of the common misunderstandings of investment funds: I like to buy cheap funds. Many new citizens will think that the cheaper the unit net value, the greater the room for the fund to rise, and the same money can buy more stocks. For example, for a fund with the same 1 000 yuan, the net unit value of 1 yuan can buy 1 000 copies, while the net unit value of 2 yuan can only buy 500 copies. The new citizen may also feel that the unit net value of funds in 2 yuan has increased a lot, and there is not much room for further increase.
This is actually a big misunderstanding. As the saying goes, "cheap goods are not good", which also applies to many funds. Funds with high unit net worth indicate that they are operating well, and only by continuous appreciation can they guarantee an increase, while funds with low unit net worth are likely to be funds with operational problems. Funds that have been rising before are definitely more likely to continue to rise than funds that have lost money before. Therefore, for investment funds, the first thing is not to pay attention to the current net value of this fund, but to look at the past performance and trend of this fund.
The second common misunderstanding of investment funds: blindly choosing new funds. Under the vigorous publicity of fund companies, some citizens can't resist the temptation to buy new funds. The new fund does have certain advantages. For example, the new fund has an advantage in price, and the newly accumulated funds can be used to buy new shares, which may yield better returns. At the same time, the scale will not be particularly large, which is conducive to flexible operation. But the new fund may also have product design problems, or it may not have a good investment model, which is not as good as the mature old fund. In addition, the new fund means that the new fund team has to take care of it, so there is also a running-in period between the fund manager and the team members, and it is difficult to achieve good results in the early stage. In addition, the new fund also has a opening period, even up to several months. There is no gain in these months, and we may miss the rising market.
Therefore, choosing a new fund is not necessarily a good choice for new citizens. If you want to buy a new fund, the best time is in a bear market, so you can take advantage of the opportunity of falling stock prices to open positions at a low level, and you may encounter a good rising market after the bear market. The other is to pay attention to sub-new funds, that is, funds that have just finished the subscription period and closed period. Compared with the new fund, the second new fund has already completed its initial position, and if the market rises, it can also get good returns.
The third common misunderstanding of investment funds: frequent subscription and redemption of funds. Funds are not suitable for short-term operation, especially for inexperienced new citizens. When the fund went up, they quickly redeemed it and felt safe. When it went down, they immediately went to buy it and thought it was cheap. We all know that the subscription and redemption of funds are subject to handling fees. Even without considering factors such as ups and downs, frequent purchase and redemption itself will cost a lot of money. As for whether you can redeem at a high point and buy at a low point every time, it must be the master among the masters. I believe that many women who have just bought funds do not have such judgment ability.
Fund companies also have relevant big data, and there are very few investors who can really buy low and sell high, so funds are not suitable for "speculation" and pay more attention to long-term holding.
The fourth common misunderstanding of investment funds: investment funds are too scattered. There is a saying that "don't put your eggs in one basket", that is, don't put all your eggs in one basket, but spread the risks. There is nothing wrong with this idea itself, and it can be followed by investment funds, but not putting it in one basket does not mean putting it in many baskets. Choosing a fund that will go up will not be so lucky. The more choices, the more funds that may fall. Originally, it was to spread risks, but it turned into investing in many falling funds.
Not putting eggs in one basket can also be understood as dividing funds into short-term, medium-term and long-term financial management target investment funds, short-term capital investment money funds, medium-term investment bond funds, long-term investment stocks or hybrid funds. Long-term investment funds, you can choose about 3 funds, and also achieve the purpose of reducing risks.
The fifth common misunderstanding of investment funds is that investing in stock funds is more profitable. As mentioned earlier, the proportion of stock funds buying stocks is relatively large, and stocks are likely to have a great increase, so the corresponding funds will also have a great increase. Having said that, the benefits and risks are always in direct proportion. Although the fund is operated by professionals, it is not always possible to buy bull stocks. China's market is changeable, and sometimes a sudden policy may cause the stock price to plummet. Therefore, although there is a possibility of a substantial increase in equity fund investment, there is also a possibility of losing a large amount of principal.
For new citizens, especially some women who have just started to invest in funds, they should regard investment funds as a kind of long-term financial management, instead of buying and redeeming with the ups and downs of the stock market. For investors with weak anti-risk ability, it is also a good choice to choose capital preservation or bond funds.
In addition to the above common investment fund misunderstandings, there are also misunderstandings that the more dividends, the better, the overconfidence in the fund's income ranking, and the misunderstanding that the poorly bought funds have always held.
Fund dividends are usually just a marketing tool. Dividends are not necessarily the extra income of the fund, but the share of the net value of the fund. Once dividends are paid, the unit net value of the fund will also decline. In fact, the wool is on the sheep, not necessarily because the fund manager has strong investment ability and good fund performance.
Fund income ranking is not equal to risk ranking, but we know that income and risk are directly proportional, and high income may also mean high risk to some extent. Short-term gains are likely to be related to the overall market environment, which is not equal to long-term comprehensive performance. Therefore, the ranking of funds is a reference for selecting funds, but the selection of funds should take into account their own needs, fund varieties, fund companies and management teams, as well as long-term trends and other factors.
Although the fund is a kind of financial management behavior suitable for long-term investment, it does not mean that a poor fund (for example, it also fell in a bull market) should be held for a long time and continue to invest. The fixed investment of the fund is a fund with fluctuating investment but still rising overall, rather than a fund that has been falling. If you encounter a fund that has not improved for a long time, you can also stop loss decisively and change to another fund.
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