Investing in stocks, bonds and money market instruments, and the investment ratio of stocks and bonds does not meet the requirements of stock and bond funds, are collectively called hybrid funds, also known as allocation funds. The following are the purchase methods of hybrid funds compiled by Bian Xiao, which are for reference only and hope to help everyone.
Hybrid fund purchase method
1. Analyze the market and look for suitable opportunities.
Carefully analyze the fluctuation of securities market, the development of economic cycle and the national macro-policy, and find the opportunity to buy and sell funds. Generally speaking, you should buy when the stock market or economy is at the bottom of the fluctuation cycle and sell at the peak.
2. Choose the right way to buy a fund.
Open-end funds can be subscribed during or after the issuance period, but the subscription fee is slightly higher than the subscription fee. There are many forms of subscription. In addition to one-time subscription, there are three forms to choose from: MLM subscription method, cost average method and value average method.
3. Try to choose the back-end charging method.
Step 4 Choose an umbrella fund
The main reason is that the management fee charged is low, and investors can easily switch between sub-funds under umbrella funds.
How to choose a hybrid fund
1. Pay attention to the position, and choose according to different investment objectives and needs.
If investors want to be radical, they can use Total Football's hybrid fund product, namely 0-95% position hybrid fund. If the risk tolerance is moderate, choose a fund with a lower position limit.
2. Choose a fund that suits your risk tolerance.
Based on their own risk tolerance, choose from partial stock funds, partial debt funds, balanced funds and allocation funds. If you are more risk-averse, you can choose a mixed fund with partial debt; And if you like risk, but don't want to invest in stock funds, then you can choose partial stock hybrid funds.
3. Investigate the profitability of hybrid funds.
Investors should consider the staged rate of return of the fund (such as the performance in three or five years) and the excess rate of return beyond the market average. If you have the corresponding tools, you can compare the Sharp ratio in the same type of funds, and you can screen out the mixed funds with higher returns and lower relative risks. Of course, we also need to compare with the profitability of the same industry, including the industry income level in the current market, so as to choose a hybrid fund with better income.
4. Choose the right investment opportunities.
Investment funds, like investing in stocks, should also choose a suitable investment opportunity. After all, the fund's investment targets are mainly stocks, bonds and short-term monetary instruments, which are influenced by market factors.
5. Choose a fund with greater risk resistance.
When investors choose a hybrid fund, it is best to compare the anti-risk ability of several funds, so as to select a hybrid fund with strong anti-risk ability.
6. Try to choose the back-end charging method.
Fund management companies should charge certain fees to investors when issuing and redeeming funds. There are two main charging modes: front-end charging and back-end charging. The front-end charge is the charge at the time of purchase, and the back-end charge is the charge at the time of redemption. Under the back-end charging mode, the longer the fund is held, the lower the charging rate, which generally decreases at a rate of 20% every year until it is zero. Therefore, when you are ready to hold the fund for a long time, choosing the back-end charging method will help reduce the investment cost.
Pay attention to purchasing funds and charging methods.
1. Analyze the market and look for suitable opportunities.
Carefully analyze the fluctuation of securities market, the development of economic cycle and the national macro-policy, and find the opportunity to buy and sell funds. Generally speaking, you should buy when the stock market or economy is at the bottom of the fluctuation cycle and sell at the peak.
2. Choose the right way to buy a fund.
Open-end funds can be subscribed during or after the issuance period, but the subscription fee is slightly higher than the subscription fee. There are many forms of subscription. In addition to one-time subscription, there are three forms to choose from: MLM subscription method, cost average method and value average method.
3. Try to choose the back-end charging method.
Step 4 Choose an umbrella fund
The main reason is that the management fee charged is low, and investors can easily switch between sub-funds under umbrella funds.