Since last year, major media have repeatedly mentioned that "it is better to buy a fund than to buy a stock", but there has always been a situation in the fund industry that "the fund makes money and the people don't make money", which is in sharp contrast to this year's bursting performance. Bian Xiao sorted out three revelations of fund investment here for your reference. I hope everyone will gain something in the reading process!
Pay attention to risk control.
Fund Jun found that "risk control" is the favorite word of fund managers who lead the long-term performance every time.
The essence of investment is to obtain absolute returns on the premise of controllable risks. If a fund can get higher returns in a good market environment and avoid heavy losses in a weak environment, it will certainly get higher long-term returns in the long run. This has become the investment rule of many fund managers.
Therefore, the basic people also need to pay attention to risk control, and don't "chase after the ups and downs"-they often subscribe for a large number of funds at the high level where the market is very lively, but they don't subscribe at the low level, or even cut their meat and leave. Market risks tend to rise, and investment funds also need to pay attention to risk control.
In addition, investors can pay attention to the style of fund managers. When investing in stock funds, many investors often don't pay attention to the style of fund managers and the market environment suitable for their style, but invest after seeing the net worth rushing up, which may lead to a period of inappropriate style or "chasing the market".
Focus on long-term investment.
Long-term investment can be simply understood as long-term holding, because timing is too difficult and it is very easy to make mistakes. It is better to hold it for a long time to make money. Of course, some high-quality investors can make money through the band, which is also strength. For ordinary investors, it is best to choose excellent fund managers to hold them for a long time.
Historical data shows that if you hold the fund for more than three years, the probability of making money can reach more than 90%. At the same time, the shorter the time, the greater the differentiation of fund performance and the greater the difficulty of screening.
Pay attention to asset allocation.
In the past, the most talked about is that "the fund makes money, and the people don't make money." In fact, there are many factors that cause this problem. But there are also people who don't insist on long-term investment and asset allocation. Therefore, some fund managers suggested that we should establish the asset allocation thinking of long-term investment and learn to buy more and more.
Investors must combine their own capital attributes and risk preferences, do their own asset allocation, and don't put eggs in one basket. With the structural market for two consecutive years, the investment value of equity assets has decreased compared with the beginning of the year, and its cost performance has also decreased compared with other types of assets. Therefore, in addition to equity funds, we can also pay due attention to some other types of assets.
In addition, if equity funds are laid out, besides choosing funds and fund managers that meet their own abilities and preferences, it is also best to adhere to medium and long-term investment and consider adopting fixed investment to obtain medium and long-term performance returns.
In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.
From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.
All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.
note:
First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.
Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.
Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.
Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.
Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.
Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.
Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.
Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.
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