How to buy a fund to make money? Does the fund have the best buying point? Where exactly is it? I believe many people are interested in this best place to buy. After all, people who buy funds are trying to maximize their income. The following are the so-called fund buying points compiled by Bian Xiao. I hope you like it.
What is the buying point of the fund?
The buying point of the fund is the time or price level that investors think is suitable for buying the fund. Specifically, fund buying refers to the time or price that investors decide to buy funds according to market trends, fund valuation, their own investment objectives and risk tolerance.
What are the specific functions of fund buying points?
Improve the return on investment: Choosing the right buying point can help investors buy fund shares at a relatively low price and get a better return on investment when the price rises in the future.
Reduce investment risk: When choosing a buying point, investors usually consider factors such as fund valuation and market trend to reduce investment risk. If the fund has been overvalued or the market is in the adjustment stage, it may choose to wait for a more suitable buying opportunity.
Adapt to personal investment goals: Different investors have different investment goals and investment time spans. By choosing a suitable buying point, investors can better meet their investment goals, such as long-term value-added and stable income.
Control the investment cost: When buying a fund, the choice of price directly affects the investment cost. Investors can enter the market when the price is low according to their own analysis and judgment, thus controlling the investment cost.
Did the fund buy anything?
The fund has the best buying point, but investors need to analyze the buying point, and investors can judge the buying point according to the fund valuation and the fund's past rate of return. If the fund has a downward trend and the market is not good, investors don't have to buy any more.
When the valuation of the fund is relatively high, then the fund may have a bubble and the investment risk is relatively high. If the funds in the past month, three months and six months all belong to the skyrocketing trend, it is not suitable for admission at this time.
Fixed investment is suitable for most investors, and the investment level of investors is low. Investors who are afraid to enter the stock market can try to buy fund products. In fact, fund investment does not need much skill, as long as investors set up automatic fixed investment every month and make up or reduce positions according to market conditions when there is a big drop.
How to judge buying and selling skills
On-site fund selling point judgment
1, take profit according to the market trend: when the market trend is under pressure, some funds will be redeemed first; If the market is still rising and does not reach the pressure level, you can continue to hold it.
2. Valuation take profit: the market or other indexes are all valued. If the valuation is too high, it means that the stock prices of many positions are too high, the probability of future decline is high, and the withdrawal of funds with falling stock prices will be great.
Judgment of OTC fund trading point
1, partial stock bond fund or index fund: according to P/E ratio PE and P/B ratio PB, we will buy when it is undervalued, underestimate when the percentile is below 30%, and sell when it is overvalued.
2. Partial stock funds buy according to the market trend or the corresponding industry trend. For example, if a fund is in the semiconductor industry, you can look at the index of the semiconductor industry, buy when the industry index is undervalued or plummeting, and sell when it is overvalued or under pressure.
3. Partial debt funds can operate according to changes in currency or stock market. For example, short-term bond funds, when raising interest rates, prices will fall, hoping to buy them after a while; When the stock market is in a bear market, the bond market generally has a good price, and bond funds can be purchased at this time.
4. In the structural market, open positions when the market is adjusted back, and lighten positions when the market runs to a high level. Of course, investors may also wait until the product reaches the expected income before selling it.
How to choose the way of fund
(1) Hold the fund for a long time until the end of the closed period, and participate in the fund dividends every year. The risk of this kind of investment lies in the possible mistakes in the fund operation, and the long-term downturn in the fund investment field will make investors unable to realize the expected returns. Investors should not be too conservative in the actual operation process. They should choose when the fund price is relatively low. When the fund price rises too high, they can consider selling the fund and buying it after its price gradually returns to the net asset value. In this way, investors can not only get the fund investment income, but also get additional income from the market price difference.
Since there is no fixed law to follow in the fluctuation of fund prices, investors can also adopt the method of regular fixed purchase. Specifically, every once in a while, the bank will automatically deduct a fixed amount of funds from the account according to the entrustment of investors to purchase investment funds pre-selected by investors. In this way, whether the fund price is high or low, investors will have a certain amount of purchase, which ultimately makes the average cost of investors buying funds lower than the average cost of the market.
(2) speculation of funds through stock speculation. To invest in funds in this way, investors need to correctly grasp the timing of buying and selling, rather than excessively pursuing the analysis and comparison of the investment value of funds. However, as the investment fund is a relatively stable investment variety, with the continuous increase of quantity and scale, the difficulty of speculation will gradually increase, and once it is trapped, it is difficult to ensure profitability. Therefore, investors had better not participate in the speculation of investment funds.
How to analyze buying points and selling points
The trading points of on-site funds can be judged as follows:
1. On-site funds directly look at the K-line chart and buy when the fund returns to the important support level; You can also buy in the upward trend of the fund, and don't break the position.
2. If you buy an OTC fund, you can buy it before three o'clock when the underlying stock or index of the fund falls. In addition, if it is a fixed investment, as long as it is not at the highest point, it can start at any time.
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