Many citizens, especially new citizens, like to pursue hot spots in fund selection. When technology stocks are hot, chase technology theme funds, and when pharmaceutical stocks are hot, buy pharmaceutical theme funds, regardless of the logic behind the funds. Today, Bian Xiao will share with you the three bottom lines of fund selection for your reference only!

Select fund type

The most important thing is to choose the right variety, and we need to make an investment plan according to our risk-return preference and personal economic situation: to pursue stabilizing selection's fixed-income products, to pursue high returns and to be prepared to withstand large fluctuations.

Select a fund manager

First of all, it depends on the long-term performance of the fund manager in managing the fund (more than three years), and then it depends on the performance of the fund manager under different market conditions, such as the ability to control withdrawal in a bear market and the rate of return of the fund in a bull market. In fact, a fund is a very good fund if it can stay in the top of 1/3 in different years and different market conditions. At the same time, investors can also pay attention to the award-winning situation of fund managers and the star rating of the fund at the helm.

Fund selection company

It is to choose the platform to manage this fund, focusing on the hard indicators such as the investment and research ability, assessment mechanism and overall team strength of the fund company. These indicators are difficult for ordinary investors to study in detail, so it is also a more comprehensive dimension to examine the overall strength of fund companies with the help of third-party authoritative platforms, such as long-term performance and awards over the years.

Choose a good fund, there will be a good return?

That's not true. If investors keep choosing good funds every day and then change them frequently, it will be difficult to reap the long-term benefits of good funds.

If investors choose a fund with excellent long-term performance through three criteria, then they must firmly hold it. There are obvious cyclical changes in the market. "Chasing up and killing down" or blindly guessing the short-term trend of the market may make you miss the gains and be "averaged" in the skyrocketing market.

Many investors have this experience: "Niuji" once held it, but later did not hold it, and missed the rising stage of the fund. It's too late to apply again, maybe it's standing at a high point. Remember, whether it is a retail investor, an institution or a professional investor, the probability of obtaining positive returns through constant timing is not great. Therefore, adhering to the three criteria to select a good fund and holding it firmly is the key to avoid being "averaged".

In the past two years, the fund has indeed achieved good returns. However, it is still necessary to remind all citizens, especially new citizens, that this kind of return will never be normal. Don't think that the fund's income is always so high, you can speculate in the fund through financing. The market is always moving forward in ups and downs. If it rises too much, it will fall, and if it falls too much, it will rise. This is the general law of the market.

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.

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.

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