This is a mistake that many beginners easily make. When they just bought the fund, they probably didn't know much about it and wanted to be stable, so let's see if there are any funds that have been rising, which is what we call "always good". Such funds basically do not exist, and even if there is, the probability that we can find them is very low.

2. You can choose "individual champion"

When we blindly choose funds, we can choose those funds with clear style preferences, which can always produce good data in a specific environment. Such funds are called "individual champions" in this field. You can pay more attention to some such funds and start again if appropriate.

3. Learn to adjust dynamically.

The concept of dynamic adjustment of novice buying funds is poor. After buying a fund, it seems that it has nothing to do with him, just waiting for the income, but no fund can go up and down all the time. We need to pay more attention to the trend of funds, learn to buy at a low point, sell at a high point, and then repeat it, so as to maximize the income.

According to the different investment targets, it can be mainly divided into stock funds, hybrid funds, bond funds and monetary funds.

In fact, you can get a general idea of these classifications by looking at the names. Let's talk about it first, and then talk about it slowly.

Equity funds are funds that mainly invest in the stock market, and the stock position cannot be less than 80%! This regulation puts great pressure on active equity funds, and the risk of high position operation is also great, so there are fewer and fewer newly established equity funds now.

Hybrid fund is a flexible fund that can invest in stocks, bonds and money markets. The positions of its investment stocks are very flexible, ranging from 0 to 100%. When the market is bad, you can rest and short. At present, such funds are more popular with fund companies and investors. According to the investment ratio of stocks and bonds and the different investment strategies, hybrid funds can be divided into multiple types, such as partial stocks and partial debts.

Bond funds refer to funds with bonds such as treasury bonds, financial bonds and credit bonds as their main investment targets. 80% of their assets need to be invested in bonds, and then they can be divided into pure debt funds, primary debt funds, secondary debt funds and convertible bonds according to the investment targets.

The money fund should belong to the national product, and the balance treasure in Alipay belongs to the money fund. Money funds only invest in the money market, such as bank deposits, central bank bills, short-term treasury bonds and other products, with low risk and high liquidity. At present, many platforms have T+0 services. If the amount of funds is not large, it can be cashed out quickly, which is a quasi-savings product.

According to different investment concepts, Public Offering of Fund can be divided into active funds and passive funds.

Active funds aim to achieve performance beyond the market, and fund managers need to select individual stocks and demand alpha income.

Passive funds, also known as index funds, generally choose the constituent stocks of a specific index to invest, and try to copy the performance of the index as much as possible, instead of actively asking for performance beyond the market.

In fact, we all know these three categories, and then there are several common innovation funds.

QDII fund is a fund approved to engage in securities business such as stocks and bonds in overseas securities markets, which can be understood as a fund to help you invest your money in overseas markets.

FOF, also known as fund in fund, is a fund in investment fund. The portfolio of such products consists of funds, just like many pension fund products are FOF.

ETF is connected with ETF, which is a transactional open-end fund and can be bought and sold with a securities account just like buying and selling stocks. ETF connection means that most assets (not less than 90%) are invested in ETFs tracking the same index, which can be purchased and redeemed off-site. This is a bit like a special FOF, except that the target bought by the linked fund is certain.

LOF, listed open-end fund. Investors can buy and redeem funds over the counter or buy and sell funds on the exchange. If you want to sell off-exchange fund shares on the exchange, you must go through the formalities of transferring custody; Similarly, if the fund shares bought on the exchange are to be redeemed off-site, they should also be transferred to custody.