Did your fund investment achieve the target return in 221

Fund investment is not left unattended, but you should regularly check whether your investment has achieved the target return? If not, is it the problem of the fund itself or its own operation? How to invest in the new year? Today, Xiaobian will share with you whether your fund investment has achieved the target income, for your reference only!

There are only three fund investment strategies: seize the opportunity; Select funds; Make a strategy. If your fund investment fails to achieve the expected return, there is a high probability that you have committed the following problems:

The timing of buying is not right

The so-called timing is just a grasp of buying and selling.

judging from the market situation in the past few decades, many investors' buying and selling behaviors basically keep a synchronous cyclical feature with the broader market, that is, both buying and selling are pro-cyclical.

this situation is particularly obvious in all previous bull-bear conversions, especially when the bull market entered a crazy stage.

when there is a money-making effect in the market, the funds of retail investors will enter the capital market on a large scale, and in the short term, they may make money because of the rising inertia, ignoring their investment ability and risk tolerance.

as we all know, the profit of fund investment comes from expected price difference income and intrinsic value income.

We all hope to earn the expected price difference income, but many times we are unwilling to gain enough space in the future when it seems risky. Similarly, selling is the same.

this is that retail investors often sell at a loss, and make more money than profit. The timing is wrong, and even the best fund can't make money.

"It's better to sell what you buy". It tells us that we should not only buy high-quality investment products, but also buy them at the right time. This right time is the margin of safety, and we need to buy them when the fund price is far below the value.

This kind of opportunity is hard to come by, and you need to wait patiently. The anchor point based on P/E ratio, P/B ratio and dividend yield, when the valuation index is lower than the underestimation threshold or even far below the underestimation threshold, dare to invest when others are afraid.

Not choosing the right investment target

This involves not only the choice of good and bad funds, but also whether you choose active funds or index funds.

The performance of different index funds is different. If you choose different funds, the rate of return will be different. This is the embodiment of the investment level. Only by allocating funds to the most valuable index funds with the greatest growth in the future can we achieve higher profits.

in the past, we have been talking about that the choice of active funds is too high for investors. Many active funds' strategies are completely to track market hotspots, and their performance fluctuates greatly. In 22, they may be cut to the bottom directly.

In addition, index funds don't just choose with their eyes closed.

The market of index funds is becoming more and more mature, and the categories are gradually enriched. Although there are different funds tracking the same index, it is not that there is no difference in performance.

For example, the rate, scale, position, tracking error and type of index fund are all influencing factors.

Generally speaking, ordinary index funds, enhanced index funds, ETFs, LOF, QDII, etc. will be different.

8% and 9% of a fund's positions generate completely different returns, and because of tracking errors, we should choose a fund with small errors in past historical data, so as to achieve the goal of making money for the fund.

Choice is more important than hard work. For funds, risk matching is king. I don't know the market, but I just want to make a lot of money. Even if I get lucky for a while, the money I earn by luck will be lost by my strength. Although there are fund managers in the fund to help us manage our finances, there are so many fund products now, so how to choose the products can also be well thought out.

Short-term operation, only pursuing quick money

The premise that you can use short-term operation is that you are professional enough, get enough information and have enough funds, so maybe you can try it.

However, it is difficult for funds to reap high returns in a short time.

if you don't have the patience to delay satisfaction, you'd better not make fund investment.

people who tend to make short-term and quick money are likely to choose to go directly to stock or real estate speculation. However, the shortcomings of stock trading and real estate speculation are also obvious: high risk and high threshold.

However, it is often those long-term value investors who can make money in the stock market.

Therefore, you must make a good strategy before investing. The simplest fund strategy is to make a fixed investment.

really don't think that fund investment is a fixed investment. The original idea of fixed investment is not as deeply rooted in people's hearts as it is now.

everyone is investing in stocks, trading in funds, short-term investment, and getting out quickly.

The characteristics of A-shares are short-lived and long-lived, which is very suitable for long-term investment of idle money for fixed investment of funds.

as long as you hold your breath and persist for more than three years, the probability of eating meat once is extremely high.

finally, I advise you to keep in mind when investing: first, make the right choice; The second is to have the belief of market fear and firm buying; The third is to wait patiently after buying.

what should we do in p>221?

Let bygones be bygones. Investment depends on the future. For 221, institutions have said that the expected return will be lower than that in 22, but they can still get good returns.

Of course, the future we face is complicated, and it is always right to pay attention to risks. Under the influence of multiple factors, it is indeed possible for some targets to return to the mean in 221, and the income of the fund is indeed likely to decrease. It is very necessary for us to understand these logics and make psychological and investment preparations.

for fund investment in 221, no matter whether the market is volatile, whether there is a general increase or a structured market, in terms of layout, we should consider giving priority to mixed-style funds, especially stable and high-quality star funds such as Xingquan, Bank of Communications, Hongde and Huitianfu.

for industry theme funds, it is recommended to allocate less than 2% of the money. In the second half of 22, the callback of science and technology funds is relatively large, and in terms of cost performance, we can pay attention to science and technology comprehensive funds in 221. Plate, chips, semiconductor funds can be properly concerned.

for investors who pursue steady returns, fixed income+products are the first choice.

As for the valuation of liquor, new energy vehicles and other sectors, it is too expensive. Those that have been held can continue to hold or lighten their positions on rallies. Those that have not been held are not cost-effective and even have greater risks.

if you choose an excellent fund or fund manager, you should also insist on "holding it". Long-term holding means that if the net value of the fund follows the market, we will be on board! Don't worry about the market going up, but you are short.

finally, to sum up, whether the market will go up or not in 221 is not our focus. The key point is that we should find outstanding funds and fund managers who can cross the market to help us improve our investment success rate.

in addition, we should manage expectations well and set reasonable income targets. Participation by batch or fixed investment, timely payment of expected income, and good account asset allocation (don't put all your funds on one kind of assets) are not empty words. The new year has begun, and it is time to plan the investment arrangements for the next year.

articles related to fund investment:

★ Three misunderstandings in fund investment

★ You should know how to choose a fund when buying a fund

★ Four common ways to buy a fund

★ Experience of famous stock investors

★ Why did the fund fall in 221

★ Market analysis

★ Interpretation of basic foreign exchange knowledge

★ Timing of short-term stock buying <