Investment funds are increasingly favored by investors, but some people find it difficult to accept that fund companies charge a large number of subscription and redemption fees, thus affecting investors' desire to buy. In fact, for investors who can manage money, they have mastered many money-saving tips of investment funds, so that their investment concerns will never exist.

In recent years, the volatility of the stock market is obvious, which worries many investors. In life, some investors will say that it is good to grasp the timing of purchase or redemption, but in real financial management, many people miss the opportunity. So, as investors, how should we seize this opportunity?

19 century great American writer Mark? Twain once said: 65438+ 10 is one of the most dangerous months for stock investment. The other most dangerous months are July 65438+ 10, September, April 165438+ 10, May, March, June, 65438+February, August. ? After careful calculation, you will find that 12 months is actually included. Content from dedecms

This is naturally a joke about the volatility of the stock market and the high risk of stock trading, and the funds are also speculating in stocks, and the yield is correspondingly affected by the volatility of the stock market. Therefore, investors will be very upset when they choose to buy funds.

Financing is difficult, and the profit is big.

When is a good time to buy a stock fund? Morgan Stanley believes that this is a more effective way to spend the boom cycle. Generally, the business cycle can be divided into four stages: recovery period, expansion period, upsurge period and recession period. All kinds of funds have different performances in different business cycles, and investors can adjust different portfolios in a timely manner. For example, in the trough stage, the investment proportion of risk funds such as bond funds and money funds should be increased, while in the recovery stage, the investment proportion of stock funds should be increased. Good dream weaving, good dream weaving.

But for ordinary investors, it is difficult to judge the position of the economic boom cycle, because we should pay attention to many macroeconomic indicators. A relatively simple way to judge the market fever is the fund-raising fever. When the amount raised by open-end funds soars, the stock market is suspected of overheating, and when the fund raising enters a difficult period, there is a greater chance of making profits by opening positions.

Whether institutional investors or individual investors, the wise choice is to set a long-term investment goal as soon as possible, buy a fund with stable performance in batches and hold it for a long time. For example, a 30-year-old investor invests in a fund to prepare for future retirement. The investment period is close to 30 years. Therefore, the fluctuation of the stock market and bond market for one or two months has little influence on it, and more attention should be paid to the brand awareness, corporate governance level, investment and research team and the ability and style of fund managers of fund management companies.

Set profit point and stop loss point to exit.

So when are you going to quit? Buying low and selling high is naturally an ideal state of investment, but it is not easy to accurately measure the timing of selling. In this regard, Morgan Stanley suggested that investors should combine their own investment objectives, risk tolerance and other factors, set profit points and stop loss points, and at the same time control their emotions to cope with various ups and downs, in order to successfully achieve their investment objectives. This article comes from weaving dreams.

There are several principles for setting profit point and stop loss point: setting investment period. Know the investment target before redemption. Set a reasonable profit point. When the fund returns to the profit point or stop loss point, it is necessary to evaluate whether the long-term trend of the market is still optimistic and whether the fund is operating in the right direction before making a decision. Finally, redemption can consider decentralized redemption.

Timing of buying and selling funds

From the four boom cycles of recovery period, expansion period, climax period and recession period, the bottom will increase the proportion of debt-based and goods-based funds, and recovery will increase the proportion of equity funds.

The amount of funds raised has soared, the stock market is suspected to be overheated, and it is difficult to raise funds, which will provide investors with better return opportunities.

Redeem the fund according to the profit point and stop loss point set by your investment goal.