1, the following website is the weekly, monthly, quarterly, semi-annual and annual income comparison of the fund. I hope it will help you.
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2. You should go to some fund websites to learn more about the knowledge of funds, which are generally available on websites, or you can search, so I won't talk about it here. Here are some things you need to learn when choosing a fund. I hope it helps you. Send it together if you have money! !
Teach you how to choose a good fund.
1. What is a fund?
Fund means that everyone gives their spare money to the fund company, and the fund company chooses the right fund manager to invest in stocks, bonds and other investment methods allowed by the state. Simply put, it is a special way to manage money on behalf of customers.
2. Is the fund risky?
Except savings, treasury bonds and money funds, any investment has risks, and funds are no exception, because stocks and bonds are the main investment channels of funds, and their fluctuations will inevitably affect the fluctuation of the fund's net value, or the fund's net value will be lowered, or it will be depressed for a long time. This is the risk of funds.
3. Why do you suggest quitting stocks and buying funds?
Compared with stocks, the risk of funds is relatively small. The money earned by the fund mainly includes the following aspects: first, dividends from investing in listed companies with investment value; The second is the income from selling the stocks held after the price rises; Third, bond investment; "Some people make money, some people lose money, only a few people make money, and most people still lose money" is suitable for the stock market, but it is not suitable for fund investment. As for fund investment, it should be said that most people who invest in funds have earned money, and the difference lies in the problem of earning more and earning less. Only a few people lost money, and those who lost money in these investment funds were blind investors. In the stock market, retail investors may be smart. However, his opponent is a much stronger institution (mainly a fund company). As a result, retail investors can only suffer heavy losses and run away, and retail investors who make money will always be a minority. The losses of retail investors in the stock market constitute a part of the fund's income to a certain extent. Therefore, investing in stocks is what a genius should do. Many retail investors who suffered heavy losses finally withdrew from the stock market. After some lucky retail investors quit the stock market, they found that the fund is what we call an institution or an absolute main force. Its strength in information and market research and development is much stronger than that of retail investors. We have all heard that if you fail to invest in stocks, your wife will be separated and even commit suicide by jumping off a building. However, there has never been an incident similar to investment funds in China, so instead of being a retail investor, it is better to be the main force sweeping retail investors. Instead of being a retail investor in the stock market and confronting institutions and funds, on the other hand, we should set up our own institutions and buy our own funds, so that the funds can confront the remaining retail investors in the stock market and a steady stream of new retail investors, so that they can make money and expand their pockets. Fortunately, you and I are one of these people, so I also suggest that others contact the fund and join them. Although there are risks, the risks are much smaller than those in the stock market.
4. Recommend giving priority to buying old funds?
Compared with the new fund, the old fund has been tested by the market, and the fund manager has relatively rich operating experience. The accumulated net value of the fund is the best embodiment of the fund manager's ability, and his past qualifications are his recognition. We are not familiar with the fund manager of the new fund. If the fund manager has not mastered the experience of the fund, why should we trust him and give our money to someone who has no rich investment qualifications? Therefore, the star funds recommended by star fund companies are all high-net-worth old funds. Of course, this is only relative, and there are exceptions. Any old fund is exchanged for a new fund, and it will definitely be good to take the proceeds all the way.
5. It is not recommended to buy funds with frequent dividends.
If the fund wants to realize frequent dividends, it must sell stocks frequently to open positions again, which shows that the fund manager speculates on stocks with a speculative attitude. Even we all think that choosing a fund is for investment. If the fund manager chooses to speculate, it will not only increase the cost of opening positions, but also doomed the fund he is in charge to become a first-class fund.
6. It is recommended to buy a fund with high net worth.
The higher the net value of the fund, the more worth buying. The higher the net worth, the more valuable the stock in the fund's hand, and the more discerning the fund manager, indicating that he chose to invest rather than speculate. It shows that he can outperform the market in most cases and walk in front of many funds. On the contrary, if the net value of the fund issued in the same period is low, it shows that the fund manager has a gap in ability compared with the fund manager with high net value.
7. How to eliminate network acrophobia?
For beginners, the higher the net value of the fund, the greater the risk, the more uncomfortable it is, and the less willing it is to buy a high net worth fund. In the case of 2 yuan's net worth, they will get less fund shares if they spend the same money, and in the case of 1 yuan, they will get more fund shares if they spend the same money. It should be noted here that the fund profit has nothing to do with the fund shares held. 2 yuan's fund shows that he holds stocks worth 2 yuan, and the fund with 1 yuan shows that he holds stocks worth 1 yuan. Suppose you invest/kloc-0.0 million yuan, 2 yuan has 5,000 fund shares, or 0 yuan has/kloc-0.0 million fund shares. If you increase 65438+ per share. The increase of high net worth funds is often higher than that of low net worth funds. How much profit depends on the net growth rate, not your fund share, because no matter how much share, your principal is only 10000 yuan. On the other hand, it must be clear that the upper limit of net worth is not capped, and if the general trend is good, the net worth can rise indefinitely.
8, to study the general trend, don't pay too much attention to the market.
The general trend refers to the national macroeconomic situation and is the key factor restricting the securities market. As long as the overall situation is improving, we can resolutely intervene in the fund. If the general trend gets better and there is nothing wrong with the fund company itself, we can firmly hold it until you need money urgently, or the general trend gets worse, or the fund company itself has problems, such as the chairman being arrested and making false accounts. On the contrary, we should not pay too much attention to the market, because we are mortals and can't make an accurate analysis of the market, otherwise we will speculate on the stock market.
9. Don't trust the so-called experts.
They are inextricably linked with Dachuan Securities Company, and their economy is not clean. The so-called cannibalism is short, and people are short, so you will be fooled. According to my observation, it's best not to trust people in the bank. Their understanding of funds is limited to basic operations. What they care about is the formalities cost of selling the fund on a commission basis, and they only remind everyone of the profit of the fund, but rarely remind everyone of the risk of the fund.
10, invest the spare money you can't use for five years or even 10, so as not to break your investment strategy and cause undue losses when you need money. Adhere to long-term investment, the longer the time, the lower the risk of the fund. The possibility of loss in three years is 20%, and the possibility of loss in five years is reduced to 10%, and the possibility of loss in 10 will disappear.
1 1. Take a long view, look down on the temporary ups and downs, and let yourself have a foundation in your hand, but no foundation in your heart. 2. You may think that the net value of funds in 3 yuan is unattainable now. When the net value of the fund rises to 3.2, you will feel that 2.3 is just a hill, 3.2 is just a hillside, and the higher peak is always behind. When you become an astronaut in space, Mount Everest in the eyes of ordinary people is just a small uplift structural belt on an ordinary planet in your eyes. When you really understand this sentence, you are not far from maturity.
12, when will the fund be sold?
When you are in urgent need of money, when you judge that the general trend is getting worse, when you think that the bull market has ended and is about to turn into a bear market, when you find that there are problems inside the fund company, when you retire, you should sell the fund, or turn the stock fund into a bond fund and a money fund, so as to truly achieve security.
13. The maturity of ideas is always more important than the choice of investment opportunity and investment varieties. The fund is only a fragment of our life, far from everything in our life, and attitude determines everything. I really appreciate this sentence of Milu. No matter what people said about him, China finally qualified. While the Chinese are still arguing endlessly about his merits and demerits, Milu is lying in his Mexican home, eating spicy chicken rolls and drinking drinks, and counting a large sum of money given by the China Football Association very comfortably. ...
14, specific measures for investment funds:
Go to a bank, a securities company to buy it, or sell it directly with the website of a bank card fund company. Personally, I think it depends on my specific situation. People with plenty of time suggest going to the bank and telling the teller the fund you want to buy, and she will help you with everything. People who have convenient access to the Internet can choose website direct sales, which is convenient in one word. I personally recommend online direct selling. Different banks represent different funds, and different bank cards also support online direct sales of different fund companies. According to my observation, the funds represented by ICBC are the worst, while those represented by CCB and ABC are relatively better.
Finally, a few points for attention:
First, establish investment awareness, don't speculate, and don't treat funds as stocks.
Second, it is to establish long-term investment awareness, not short-term. If it really doesn't work, then force yourself to regard the fund as a five-year period.
The third is to establish a sense of risk. There is no pie that only makes money without losing money. The higher the income, the higher the risk.
Fourth, establish a sense of learning. Learning is the best way to gain benefits and avoid risks.
5. Choose the star fund of the star fund company, which is the fund with the highest net worth among the fund companies I recommend. Don't be afraid that the net value of the fund is too high. There is no difference between the funds in 2.0 yuan and those in 1.0. I don't understand, just memorize it.
Sixth, choose the old fund. Of course, it may be a good choice for people who are new to the fund and who are currently operating at a high level in the market to buy a new fund.
Seven, to believe in yourself, people who are willing to invest in funds are far-sighted, much better than other people who only talk but don't practice, and even those who invest in funds.
Six kinds of funds cautiously bought by bull market are worth referring to.
(1) new fund. A fund has to go through two periods: opening positions and closing positions. To subscribe for a new fund, the bear market will have to wait until the raising period expires, and the bull market may face a rights issue, such as subscription 10000, with only 7000. After that, it will take at least one month for the income to get better. In short, it will take two or three months to improve steadily. As for the investment level and ability of its management team, there is no reference. Instead, invest money directly in sub-funds and old funds that have been established for a long time? Today's investment will have an effect tomorrow, and there is a certain operating performance to be found. It is recommended to invest in the establishment of a fund for more than 3-6 months. (I invested in Boss Emerging Growth Base and two new QDII bases, Huaxia and Shangtou, and got this suggestion).
(2) Fat fund. Due to the fund fever, some funds blindly expand their scale, while others move towards tens of billions. Some gay friends may think that the bigger the fund, the safer it is, but it is not. If you have too much money on hand, you will find that there are not so many good stocks to buy in the stock market, which is really not easy to operate. It is slower than other funds to increase and reduce positions. If the money is not invested, the cash ratio is too high, which will also affect the income. In addition, some 300-500 million yuan fund companies have rapidly expanded to 654.38+000 billion yuan through marketing, and they are also facing the problem of adjusting investment ideas and methods. It is suggested to invest 65.438+000 billion yuan in a relatively stable fund. (The Huaxia Bonus Fund I invested in falls into this category).
(3) Resolution group. In fact, splitting is the unification of net worth. For Jimin, those who originally held 10000 shares of 2 yuan became those who held 20000 shares/1 yuan. The main purpose of returning the net worth to oneself is to attract those who buy cheap goods, thus expanding the scale rapidly. Suppose that the original size of a fund is 3 billion, and the net value of 2 yuan is 65.438+05 billion shares, which will be expanded to 65.438+00 billion shares in a short time after the split, so it is 65.438+0 yuan's net value, 65.438+00 billion shares. This is because the split fund faces the same problems as the new fund, and it needs to gradually invest the newly increased 7 billion in suitable stocks, while the original 3 billion is the main source of income. The original growth of 3 billion shares should be shared equally with1500 million shares, and now it should be shared equally with1000 million shares, so the old holders will strongly oppose the split in the bull market. For new holders, the money invested will also go through an opening period, a transition period and a recovery period, which is definitely slower than other normal funds. If there is a shock, the original 3 billion losses will be shared with the new 7 billion. It is recommended not to take advantage of the price. 1 yuan is not good. The Guangfa Jufeng I invested in falls into this category.
(4) large dividends. Like a newly demolished fund, it is also necessary to reduce its net worth and attract people to buy it. The difference is that the split does not need to be realized by selling shares, but the dividend should be shipped. If the bull market does not cover stocks, it will also seriously damage the interests of the old holders. As for the dividend money, if it is not a dividend, it is just a left pocket and a right pocket, which is meaningless. Harvest 300 Fund, which pays dividends twice a month, is such an example. Redemption on July 26th this year.
(5) Funds with excessive recent increase. The growth of the fund comes from the growth of the stocks it holds. A large increase in funds indicates a large increase in stocks. After a certain growth, the stock will inevitably enter the stage of consolidation or even exploration. Therefore, it is recommended to choose funds with upper-middle growth, growth potential and signs of accelerated growth in the near future. This will be more difficult for new citizens. )
(6) Copy No.2 Fund. The duplicate fund is the "clone" of the old fund. Generally speaking, if the old fund's plate is too big to operate and its performance is good, the subscription will be suspended, and then a later "twin brother" will be cloned according to the investment strategy, investment direction and even trading methods of the old fund. In theory, this not only guarantees the income of the old holders, but also gives the new subscribers a choice. However, whether it is No.2 or No.3, or a brand-new name, it is new from the beginning, and it needs to be the same as buying a new fund-closing the position, and the growth rate is slower than that of normal funds such as 1. So I won't choose. (For example, E Fund Strategy No.2, Huaxia Reward No.2, Haifutong Select No.2, Boss Emerging Growth, etc. -I personally invested in it and redeemed it in June this year 10).