The gold circle has never lacked popularity and popularity, and the market can stage a fancy hot search whether it is up or down. Even new citizens who have just entered the circle can obtain the basic knowledge and investment logic of purchasing funds from major platforms. Today, Bian Xiao will share with you how to purchase funds as a "friend of time" for your reference only!
Who is the right "friend" candidate?
We always want to get along well with our friends. Of course, we should choose a fund with good experience when buying a fund. Want to have a good experience, in addition to the fund products themselves, but also related to our own risk tolerance and investment objectives. Before choosing "friends", we should examine our own needs, whether we are willing to endure high fluctuations for "rising" or give up part of the interests of "fighting" for "resisting falling". Defining the investment appeal is to set reasonable expectations for "friends". No one wants to lose hope after painting the pie.
As the fund products become more and more abundant, it is inevitable that people will envy other people's "friends". Last year, a number of outstanding funds emerged in the fiery public offering market, with annual income exceeding 100% or even 150%, but not every holder got such high income. Some friends are easily influenced by the market, and if their income is slightly behind, they will directly overturn the plan. In the final analysis, they have not made a careful plan, and they are particularly prone to blindly follow suit.
How to maintain this "friendship"?
Recently, the market has continued to fluctuate, and many citizens said that "the boat of friendship is afraid of overturning?" It is inevitable that there will be some twists and turns when getting along with friends. Time friends can't be made by casual talk. 202 1 Everyone says that we should lower our income expectations, which may make some friends suspicious of "friends who make time". Here are two tips to keep them in friendship with time:
Dare to enter on dips.
Fund investment needs reverse thinking. There are not only risks but also opportunities in the shock. The formation of income can be simply summarized as "buy low and sell high". Some friends just wait to "sell high" and dare not "buy low". If you buy 654.38+00,000 yuan when the net fund value is 2.00, and then encounter a great market adjustment, you can't return to your capital until the net fund value returns to 2.00 without any operation, and if you continue to buy 654.38+00,000 yuan when the net fund value falls to 654.38+0.80, you will
Insist on fixed investment
The advantage of fixed investment is to dilute the cost and reduce the risk. One-time large-scale investment is risky. For example, after a one-time investment of 50,000 yuan, it will be greatly adjusted, and the 50,000 yuan bought will shrink rapidly. It is inevitable to cut the meat and leave. However, if you invest 1 ,000 yuan every month for five months, you can not only reduce the average cost, but also ensure that you have ammunition in your hand for a long time. In a volatile market, it is almost impossible to bargain-hunting, and a simple and convenient "fixed investment" is a right-hand man for investment.
How long will "Friends of Time" be after it returns?
It is difficult to adjust the market, but there are also many people who make rational use of low-level financing, fixed investment and other methods to successfully return to their capital or even make a small profit. Many citizens began to ask, "Do you go back to your hometown?" "How high should the take profit point be set?" We should make it clear that buying funds is for the long-term appreciation of wealth, not just for returning to the original solution. If the market remains upward for a long time, the investment strategy of the fund is still in line with the market trend, and the liquidity on hand is still loose. This protracted war is still worth waiting patiently, and it is worth harvesting the fruits of compound interest with time for space.
Different types of securities investment funds:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.
(4) According to different investors, it can be divided into four categories: money fund, bond fund, mixed fund and stock fund.
Tip:
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.
Funds reserved for starting, maintaining or developing a cause.
Funds or special allocations reserved for starting, maintaining or developing a cause. Funds must be used for specified purposes and accounted for separately.
Sha Ting's "The Return of the Native": "One is to ask the township cooperatives to allocate a sum as a fund."
We decided to allocate 500,000 yuan from the operating expenses as the fund of the electronic science popularization center.
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