According to the investment strategy, funds can be divided into the following categories, and their risks are reduced in turn:
1. Positive growth fund: It aims at maximizing capital appreciation, and usually invests in stocks with large price fluctuations. The stock selection indicators are often data such as earnings per share growth and sales growth, which are the most adventurous and enterprising, with the highest risk/return, and are suitable for investors who like adventure.
2. Growth: for the purpose of pursuing long-term stable value-added, the investment targets are mainly the stocks of large outstanding companies with long-term capital growth potential, excellent quality and high reputation.
3. Value orientation: The main strategy is to pursue stocks with undervalued prices and low P/E ratio, hoping to find those stocks that are temporarily ignored by the market and whose prices are lower than the value.
4. Balanced funds: give consideration to long-term funds and stable income. Usually, a certain proportion of funds will be invested in fixed-income instruments, such as bonds and convertible corporate bonds, in order to obtain stable interest income and control risks, and the rest will be invested in stocks to pursue capital gains. Moderate risk/return, suitable for conservative investors.
5. Capital preservation fund: aiming at ensuring the investment principal, combining low-risk income-oriented financial instruments and high-risk stocks. The operation mode is to invest part of the funds in instruments with low risk, such as national debt, part of the funds in stocks, and the share of part of the funds invested in stocks may be determined according to the net value of the fund. The higher the net worth, the higher the part that can be invested in stocks. In China, capital preservation funds are basically guaranteed by third parties. In foreign countries, because you can invest in derivatives, the investment part of the capital preservation fund with higher risk can also invest the interest generated by bonds in derivatives, and pursue income by amplifying leverage. However, investors need to be reminded that the capital preservation fund is not redeemable at any time. If it is redeemed before the expiration of the guarantee period, it may also face the risk of principal loss.
Regular fixed investment focuses on the medium and long term, which is suitable for selecting fund products with stable long-term performance under the fund company with outstanding comprehensive strength. Of course, regular quota does not mean that there is no risk, and you need to choose the right products to invest according to your risk tolerance.
1, long-term investment goal: reserve pension and children's education reserve. (Because the investment cycle is too long, you can face short-term fluctuations in stock prices, but pensions and children's education funds are important reserves in life, and it is not appropriate to choose varieties with too high risks. It is recommended to invest in allocation funds.
2. Short-term investment objective: to meet short-term and sudden capital demand. (The investment period is short, so it is necessary to ensure that there will be no big losses when redeeming at any time. Choose low-risk varieties. ) you can invest in bond funds and partial debt funds.
3. Mid-line investment target: the term is 5- 10 years, which is needed for starting a business. (You can choose high-risk and high-yield varieties, and appropriately adjust the variety and position of positions according to the stock market cycle. In view of this goal, you can now start investing in stocks or actively allocate them.
I wonder what your risk tolerance is. Compare the above three items.
Index funds are guided by passive investment theory. Fixed investment is an operation method designed for long-term investment and vertical diversification of investment risks, and it is also an operation strategy designed by using passive investment theory. The author thinks that the fixed investment index fund is more suitable for old investors and should be adjusted according to the replacement cycle of bull and bear in the stock market. In other words, when using passive investment strategy to invest in passive fund varieties, it is suitable to take some more active management measures.
The change of the net value of Yi 50 index fund mainly depends on the trend of the market. The underlying index is basically composed of blue-chip stocks in the market, which is an index with high long-term investment value. But index fund is the fund type with the highest risk level.
It refers to choosing the right time (for example, after entering a bear market) to start fixed investment according to the big cycle of bull and bear replacement in the stock market (according to the past situation in China, each cycle is about several years), stopping fixed investment at the right time (bull market stage) and starting to gradually redeem it. After the market crash in the first half of the year, now is a good time to start a fixed investment.
I have always insisted on a fixed investment of 50 indexes, but it still depends on your tolerance and what you can do.