1. Compared with the old fund, the new fund has subscription fees. Don't underestimate this part of the cost The longer the investment time, the higher the income, and the impact on your final total income still exists.
Second, especially in the current bull market, it is very uneconomical to buy a new fund now. At present, the market funds are very hot, and many funds are tens of billions and hundreds of billions every day. These newly established foundations opened positions one after another in the following six months. The later the bull market starts, the higher the cost. These new funds have a high cost of opening positions in a short period of time and can hardly make money.
Third, new funds basically rely on the names of excellent fund managers and big-name fund companies to attract investors. You know, fund companies earn fund management fees. A fund with a scale of10 billion will have a management fee of more than10 billion a year. Whether investors can make money is really hard to say.
Fourth, the difference between the new fund and the old fund. The new fund has a closed period, but the old fund does not, because the new fund needs a process of opening a position, and the old fund already has an inherent position. The net value of new funds is generally slightly 1, but the old funds are not. To tell the truth, there is nothing absolutely good or bad! I just feel that it is difficult to grasp the stock market trend in some time periods. Buying new funds has a closed period, and there is a process of gradually opening positions to buffer, with a net value of 1. I feel better in my heart (although it is similar)!
Fifth, plate selection. The purpose of buying a fund is to hold it for a long time in exchange for a certain income, not to make money by speculation! Most of the pharmaceutical sector was originally an anti-risk sector, and the dividend growth was also good, which is closely related to life and irreplaceable. Then I bought some, but I think the direct benefit of this year's epidemic is ok! Science and technology is the main line in the next few years, and the state also gives strong support. Whether it is speculating in technology stocks in the past few years or speculating in technology funds in the past two years, I am still optimistic for a long time!
To sum up, individuals hardly touch new funds, especially in the early bull market, so be cautious when buying new funds.