People always ask us whether to buy a new fund or an old one. This question is actually very complicated to answer, because many funds are undervalued, which leads many people to want to enter the market for long-term investment. So whether to buy a newly issued fund or an old fund that has existed for a long time? Today, I will tell you about the new and old funds.

Is it better to buy a new fund or an old one?

1, the investment threshold of the new fund is low.

Many new funds are valued below 1 yuan, and the purchase threshold is very low, so you can buy them quickly regardless of whether you understand the fund or not. The valuation of old funds is usually above 1 yuan. Under the valuation gap, many people are more willing to buy new funds with lower valuation.

2. The bull market is suitable for buying old funds.

This means that it is more appropriate to buy old funds when the fund market is bullish. One is because the old fund can be evaluated according to its historical performance, and the operation and management of the other old fund have stabilized, and the profit will be more obvious in the bull market.

3. A bear market is suitable for buying new funds.

A bear market usually means that the fund market is bearish and the outlook is pessimistic. As we all know, when the new fund is issued, the valuation is relatively low. If in the bear market period, the space for decline is also very limited. Because the new fund has no historical performance, it is often that as long as the funds drive the stocks holding positions, the price will rise very obviously, so it is more appropriate to buy new funds in the bear market.

4. Novices are suitable for buying old funds.

For novice investors, they basically don't know the relevant information disclosed by the fund. But fortunately, the old fund has historical performance as a reference. Novices can judge the expected rate of return, risk and so on of the old fund through its historical performance. The new fund has no historical performance to refer to, and it was bought entirely by luck.

5. The old fund operates steadily.

Because the old fund has been issued for a period of time, it has done a good job of running in with the market. The fund manager controls the investment strategy, and the management team has rich experience in fund management and operation. Although the expected return may not be as high as the new fund, it is very safe. After the new fund is issued, it will go through many aspects of running-in, and the expected income may not be very stable for some time.

We think it is relative whether the new fund is good or the old fund is good. Users with investment experience can choose a new fund with lower valuation according to their own understanding of the fund. Novices who have no investment experience can choose old funds with historical performance to invest. Of course, whether investing in new funds or old funds is risky, if the judgment is wrong, the fund may fall.