Speculate the fund as a stock? On an investor exchange platform, someone shared his experience in investing in funds: "We only do short-term operations for 7 days, so do we know how the fund invests in the short term?" The following is the short-term investment of funds organized by Bian Xiao, for reference only, hoping to help everyone.

How do funds make short-term investments?

Since the beginning of this year, Public Offering of Fund has made outstanding profits, attracting investors to flood into the fund market. However, many new citizens who have just entered the market have not yet formed a scientific investment concept, and regard funds as stocks that are high-selling and low-sucking, fast-forward and fast-out, and ultra-short-term operation. In this regard, some fund companies have recently begun to increase investment in education and encourage the basic people to hold it for a long time.

According to the data of a third-party e-commerce platform, in the first half of this year, the subscription amount of the platform fund increased by more than 4 times compared with last year, and the number of new citizens increased by 1.2 times. Recently, the Second Quarter China Family Wealth Index Report released by China Family Finance Research Center and Ant Group Research Institute of Southwestern University of Finance and Economics also shows that the demand for online financial management in China has increased significantly, and China families prefer to invest in funds rather than stocks. The trend of these new entrants is obvious, and more than half of them are young people under the age of 30.

The change of investor structure has also brought some new features to the fund trading market, the most obvious feature of which is that the operation tends to be ultra-short-term. According to a person from a small and medium-sized public offering market in Shenzhen, "according to the recent data of Alipay platform, the average time limit for citizens to hold technology funds is 4 1 day. Because most funds set a higher handling fee for subscription and redemption operations that are held for no more than 7 days, some citizens hold funds for more than 7 days before selling them. In fact, the short-term operation of the fund has a long history, and new young investors have played this style of follow-up speculation to the fullest. "

On an investor exchange platform, a citizen shared his experience of investing in the citizen: "I only do short-term operation for 7 days, buy funds that meet the current market in large quantities, hold them for more than 5 points a week, and then step on the next wave of market after redemption."

"China's capital is similar to Hong Kong's stock market, China's stock market is similar to foreign high-interest debt, and China's high-interest debt has nothing to match, so it must be operated frequently. Otherwise, if you come back for a period of time, you will not be compensated if you are lucky, and the principal with bad luck will not be guaranteed. " Some investors also summed it up like this.

It is also said that the field base can be operated in short term, and this roller coaster market is especially suitable for short term. If it is done well, the income is not low and the risk is not great. "In fact, it has been put into practice recently. For example, China Europe Ruifeng (LOF), which recently closed and opened its subscription, experienced abnormal fluctuations of continuous daily limit, followed by a word limit and continuous decline. In addition, on August 6, the daily limit of Xingquan Green reached 9.62 million yuan on the first trading day. According to analysis, capital speculation is the main reason for price fluctuation.

Monetary fund trading skills

First, buy funds with short redemption time.

Buying and selling redemption funds will have an expiration date. The redemption period is T+ 1 and T+2. Which one should I choose? These two periods are not considered for the time being, so try to choose T+0 redemption date to facilitate personal capital turnover.

Second, buy old funds.

On the day of fund establishment, after a period of operation, the performance of a monetary fund has withstood the test of the market, and it will take time to test whether a newly issued monetary fund can achieve good performance.

Third, buy short-term funds.

Monetary fund is a short-term tool, which is more suitable for managing liquidity, short-term funds or temporary funds whose use is difficult to determine temporarily. But the short-term gains will not be high. Therefore, we must allocate funds reasonably and invest in products. ; For medium and long-term funds of more than one year, investors should choose financial products with higher returns such as bonds and equity funds.

Fourth, buy funds that are easy to convert.

At present, in order to stabilize the passenger flow, many fund companies choose to reduce the conversion rate between different types of funds to facilitate users to switch funds. Choosing such a money fund can reduce some investment costs.

Fifth, buy a fund of moderate size.

For small-scale money funds, in the market environment of falling interest rates, the continuous entry of incremental funds will quickly dilute the investment income of money funds, while large-scale money funds do not have such concerns. In the market environment of rising interest rates, the smaller monetary funds "turn around" and the fund's yield will rise rapidly. Therefore, it is best for investors to choose a money fund with moderate scale and strong operational ability.

Sixth, buy and sell money funds by group.

1, traditional open cargo base

Adapt to the crowd: risk-averse investors

There is a kind of person who is completely risk-averse and will not choose any risky financial products or financial management methods. Bank savings is the only recognized financial management method. Then in the era of negative interest rate, the one-year fixed deposit rate has outperformed inflation, and the cargo base is an excellent substitute for savings. On the one hand, the income is higher than demand and one-year fixed deposit, which can overcome inflation; On the other hand, liquidity is comparable to demand, and some products are even the same as demand, not to mention the liquidity of one-year time deposits.

The question is, how to choose a high-quality cargo base? Look at the scale. The scale of cargo base should not be too small, otherwise it will lose the advantage of negotiating deposits with banks; But the scale should not be too large, otherwise it is not conducive to the operation and management of fund managers. Therefore, the reasonable scale of cargo base is between 65.438+0-20 billion. Second, look at the income, focusing on products with stable long-term income and small fluctuations.

2. Tradeable Monetary Fund (on-site goods base)

Adapt to the crowd: shareholders

This is a money fund tailored for investors. As long as you have a stock account, you can buy and sell directly in the secondary market, realizing the seamless connection between the stock base and the stock market. For investors, the A-share market does not always have trading opportunities, so when the market is bleak, stock funds can only lie in the margin account to earn negligible current interest. With the on-site cargo base, you can earn much more income in your spare time than you do now. Once the opportunity arises, you can immediately sell the goods base and buy stocks without worrying about missing the opportunity.

3. Baby products base

Adapt to the crowd: young and middle-aged investors who are proficient in the Internet.

Baby products base is the product of the Internet age. The biggest difference between this kind of products and traditional goods bases is that the purchase and redemption are generally completed on Internet platforms, such as Alipay, China CITIC Bank Paypot, Industrial Bank Cashier Wallet, Baidu Baifa, Tencent Licaitong and other platforms.

In addition to convenient redemption, the baby cargo base is characterized by low investment threshold. Many products can be bought at 1 yuan or even 1 dime, followed by real-time T+0 cash withdrawal. Some products are available 24 hours a day, but pay attention to cancel the quota. Generally, there are at least 654.38+million yuan, which is enough for ordinary investors.

The income of the baby goods base may not be dominant, but it is extremely powerful. For those middle-aged and elderly investors who can't operate computers and don't understand the Internet, they are basically insulated from such products. But for young or middle-aged friends who are familiar with computer and network operation, the baby cargo base is still very practical, so you need to pay attention to account security. At present, many treasure bases have realized a closed loop of funds for one card in and out, and the security can also be guaranteed.

Seventh, according to the rate of return

The rate of return is an important reference index. For the monetary fund, there are two reference indicators. One is the 7-day annualized rate of return, which is to convert the average income into one year's income. The second is the income per 10,000 shares, that is, the income per 10,000 fund shares available on the same day. They are all good reference indicators for fund performance. Of course, since the 7-day annualized rate is a short-term estimate of the long term, it will be affected by short-term high or low returns, and investors should pay attention to its historical trend when referring to this indicator.

How to calculate the fund rate of return

Fund yield = (net selling value-net buying value)/net buying value × 100%. For example, if you buy a fund with a net buying value of 5 yuan and a net selling value of 8 yuan, the rate of return is (8-5)/5× 100%=60%. It means that after you buy this fund, each share will earn 3 yuan. Buy 1 0,000 shares, and earn 3000 yuan without handling fees.

After investors buy funds, they will see accumulated income and holding income. Holding income refers to the cumulative income generated by investors' current fund shares, including floating gains and losses caused by net value fluctuations and historical cash dividend income corresponding to holding shares, while the cumulative income refers to the sum of the cumulative income of investors' all funds (including redemption funds).

Fund online generally shows the rate of return of a fund since its establishment, nearly 3 years, nearly 2 years and this year. When choosing a fund, investors must look at the historical rate of return and trend of the fund, so buying a fund is more suitable for buying an old fund, because the old fund has a history, while the new fund has no history and lacks an important reference data.

As an investor, the income of the fund should be reduced by some rates. Including the handling fee at the time of purchase, the management fee during the period, and the fee at the time of redemption. After deducting these expenses, we really earned the income.

When buying a fund, I don't know how to calculate the rate of return, and the problem is not big. When you sell it, the system will show how much money you can finally get and how much money you earn.