When we buy a fund, we must fully understand the fund. Fund files contain information such as fund profile, announcements, positions and industries. The following is what kind of fund a novice should choose for everyone. I hope it helps you!
What fund type should a novice choose?
Index fund: This kind of fund tracks a specific market index, such as stock index or bond index. Because it is a passively managed investment tool, the cost is relatively low. Novices can choose index funds that track various market indexes, such as the Standard & Poor's 500 Index.
Equity fund: Equity fund invests in the company's shares in the stock market. For beginners, you can choose a stock market with a wide range of investments or a stock fund of a large company with good performance.
Bond funds: Bond funds invest in fixed-income securities, such as government bonds and corporate bonds. This kind of fund usually has low risk and is suitable for novices to allocate assets and spread risks.
How should the small white purchase fund operate?
Set investment goals: first, make clear your investment goals, such as long-term financial management goals and education fund raising. Specific goals can help you choose the right fund and make a long-term investment plan.
Regular investment: Regular investment is the key to long-term wealth growth. Set a fixed time and amount and purchase fund shares regularly. This can effectively share market fluctuations and gradually establish a portfolio.
Diversified investment: spread the investment amount among different types of funds or funds in different industries. Diversified investment can reduce the risk of specific investment and obtain more stable returns.
Adhere to the long-term investment strategy: try to avoid the interference of short-term market fluctuations and maintain a long-term perspective of stable investment. Long-term investment helps to dilute risks and avoid market noise.
Regular evaluation and adjustment: regularly check the performance and market conditions of the portfolio, and adjust the asset allocation as needed. Ensure that the investment portfolio is in line with its own risk tolerance and investment objectives.
Learning and consulting: understand the basic knowledge and investment strategy of the fund and keep abreast of the latest developments in the economic and investment fields. In addition, you can consult a professional financial advisor or attend relevant investment courses to improve your investment level.
What should I look at when choosing a fund?
1. Net fund value
The net value of the day represents the corresponding amount of each fund. For example, if you hold 65,438+000 shares of a fund with a net value of 65,438+0.1yuan, the total value of the fund on that day is 65,438+065,438+00 yuan. The cumulative net value of the fund refers to the sum of the latest net value and dividend performance of the fund since its establishment:
Cumulative net value = current net value after the establishment of the fund+cumulative dividend amount of shares.
The cumulative net value reflects the cumulative income since the establishment of the fund (negative 1 yuan face value is the actual income), which can reflect the historical performance of the fund to some extent in combination with the length of the fund's establishment.
2. Fund dividends
Fund dividend means that the fund distributes part of the income to investors in cash, which is originally a part of the net value of the fund unit. There are generally two forms of fund dividends: cash dividends and dividend reinvestment. Generally speaking, investors do not specify cash dividends by default.
Regarding dividends, her financial management believes that there are the following points to pay attention to:
(1) Dividends are not the more the better, nor is it the most important criterion to measure the quality of a foundation. Measuring the quality of a foundation mainly depends on the growth of net worth. Funds are suitable for long-term investment, so her financial advice is to pay attention to long-term investment value and not pay too much attention to short-term dividends when choosing funds;
(2) Don't think that the higher the net value of the fund, the greater the dividend ratio.
(3) Cash dividend is not necessarily superior to dividend reinvestment.
3. Fund position
Funds are often compared to a basket of fruits, which are covered with stocks and bonds like different fruits. The fund position information is to tell you what fruits are in the fruit basket you choose. If you have more research on the industry, you can see if the key stocks in a fund are your favorite industries, just like buying stocks.
4. Scale change
If the size of a fund has been growing, is this necessarily a good thing? Her financial management believes that the change of fund size should be combined with the change of fund net value. If the fund scale is increasing and the net value is rising steadily, it can be basically judged that the management ability of the fund manager of this fund is relatively good, and the performance of the fund has not declined because of the increase of the fund scale. However, it should be noted that the asset size of the fund is a double-edged sword. Too large a scale, such as a foundation with assets exceeding 654.38+0 billion, makes it impossible for fund managers to arrange the investment targets of new funds under the condition of limited high-quality investment varieties, thus diluting the income of old holders; However, if the scale is too small, the fund is easily affected by subscription and redemption, passively increasing or decreasing positions, disrupting the deployment of fund managers, thus causing damage to fund performance. Generally speaking, her financial management thinks that the assets of a fund are between 3 billion yuan and 5 billion yuan.
5. Bracket structure
She mentioned before financial management that the proportion of institutional holders of high-quality funds is much higher than that of inferior funds. The proportion of institutional holders reflects the recognition of the Fund by institutional investors, and the high proportion of institutional holders indicates that the Fund is favored by many fund investors. Therefore, the proportion of institutional holders can be used as one of the factors to judge the reliability of a fund.
Purchase information
Information about purchase, including various rates, starting point of purchase and starting point of fixed investment, needs to be read clearly before purchase.
How to choose a reliable fund
(1) clear the classification of funds.
There are many types of funds, and the risks they face are different. Therefore, when choosing a fund, you must distinguish the types of funds, and then buy a fund that is very suitable for you according to your risk tolerance.
Funds are generally divided into the following categories: stock funds, hybrid funds, index funds, bond funds and monetary funds. According to the degree of risk, it can be divided into different types. For money funds, the risk is the smallest, and such funds are basically risk-free, but the income is low.
Secondly, bond funds are a bit risky, and money funds have higher returns than bond funds;
Then there are hybrid funds, which are relatively risky and related to the proportion of stocks and bonds held. If the proportion of investing in stocks is large, the risk is great; But the greater the proportion of investment bonds, the smaller the risk.
Finally, the biggest risk is the equity fund, which accounts for most of its assets, so the risk is even greater, and the withdrawal rate often reaches 10%, which may be more than that. However, it has the advantage of high income. In case of a suitable market at some time, the increase can reach more than 30%!
② Pay attention to the establishment time and historical performance of the fund.
It is found that some funds can have excellent results when they are just established, and after a while, they are almost the same as other funds on the market, and they are no longer excellent. It is difficult for those with low performance to reach the basic market rate of return. If the performance of this fund is average, the long-term performance is not very good, or it has not been established for a long time, then you can quickly classify it as "poor quality".
Therefore, if you want to choose a fund, the establishment time and historical performance of the fund are the primary concerns.
Under normal circumstances, a fund established for more than 3 years has withstood various tests given by the market, which shows that its stability and sustainability are excellent. In addition, by observing the rate of return (cumulative rate of return, average annualized rate of return) since the fund was established, we can judge the strength of this investment theme. It is relatively easy for growth-themed funds to continuously obtain high returns.
③ Choose high-quality fund companies.
Suppose you really don't know how to choose, how to look at performance, and the simplest and safest way is to choose high-quality fund companies, such as Guangfa, Xingquan, ICBC Credit Suisse and so on.
High-quality fund companies can gather funds very easily, and their fund managers and investment and research teams are also excellent, and the investment and research system is relatively comprehensive and complete. In other words, high-quality fund companies can directly affect the level of fund returns and manage funds with stronger stability and higher returns.
Selection method of novice fund
First, confirm the fund type.
First, you need to choose the type of fund to invest in. In the face of complex funds, you must first confirm your risk tolerance and financial goals, and then determine the type of fund to invest in. The risk is arranged from high to low, and there are the following types of funds: stock funds, balanced funds (stocks and bonds), bond funds and monetary funds. Of course, the more risky the fund type, the higher the income may be.
Secondly, look at the experience of fund managers.
The fund manager is the soul of a fund. By understanding the historical performance of the fund manager of this fund, we can see the management level of the fund manager. Generally speaking, if a fund manager can rank in the top 1/3 of similar funds for three consecutive years, then the strength of this fund manager should still be trustworthy.
Third, look at the past earnings of fund companies.
Knowing the past earnings of all the funds under this fund company, you can basically judge the prospects of this fund. If the fund company has achieved sustained returns for investors for a long time, then the fund company should still be good.