Is it better to buy old funds or new funds? The issuance of new funds is always accompanied by all kinds of attractive publicity. Many Christians often find it difficult to control it, but they cannot just abandon the old funds that have been with them for many years. At this time, they fall into

Dilemma.

Is it better to buy new funds? Or is it better to buy old funds? Some people say: Buy new funds with new varieties. In order to gain popularity, they will work harder to make money for you than old funds.

Others say: Of course it is better to buy old funds, which are safer. You don’t know much about new funds and have no past performance to compare with, so it is more reliable to buy old funds.

What should we do? Both new funds and old funds have their own advantages and disadvantages, so which one to buy? Don’t be impatient. The editor tells you that when buying a fund, you have to look at the current market.

Fund issuance is simply a batch sale, especially in 2015, which is the general trend of fund issuance. Under the new pattern, many fund companies are pouring in, hoping to get a new share of the pie with new funds.

But what is the reality? Many new funds have died not long after they were launched, and many other funds were forced to change their appearance and were squeezed into mini-funds by old funds. Then they encountered a wave of liquidations and died.

Moreover, there is a closed period of about three months after the establishment of a new fund, during which no subscription or redemption is allowed.

When the stock market rises, the expected annualized expected return cannot be obtained.

1. Is it better to buy old funds or new funds? Therefore, the enlightenment brought to us by various facts is: the difference in expected annualized returns of new funds and old funds is closely related to the market environment at that time, the ideas of fund managers, etc.

In addition, from the perspective of product design, new funds are often closest to hot spots, characteristics of economic development stages, industries, and investment themes, so they can often lead in the short term.

However, if it is required to cross the bull and bear market, the fund manager's position control and stock selection capabilities will be required to be higher. Before investors subscribe for funds, they must make a comprehensive weigh based on market conditions, investment period and other factors.

Generally speaking, since a new fund has just been launched, financial fans can only understand its situation through its prospectus, management team and the strength of the fund company, but the specific performance needs to be observed.

During the stock market turbulence, the new fund has not yet established a position. According to regulations, there is a six-month opening period. This way, the principal can be protected by prolonging the position opening period and wait for the market to improve before investing.

In addition, when establishing a position in a new fund, corresponding investment strategies will be adopted based on the current stock market environment.

Therefore, financial analyst Wen Caibao suggested that when the market is in shock and the outlook is unclear, new funds have obvious advantages in terms of timing and cost of opening positions. In this case, buying excellent new funds can reduce risks.

Since old funds have been operating for a period of time, they have relatively high transparency and can learn more about their previous investment performance.

In addition, since old funds already have a certain position in stocks, when the market rises, they can directly obtain expected annualized expected returns. Therefore, during the stage of sharp stock market rise, the performance of old funds will exceed the performance of new funds.

Since we are in a bull market, old funds under construction can achieve good expected annualized expected returns. In this case, it is suitable to buy excellent old funds.

2. There are several points to consider when buying a new fund: 1. Whether the fund manager has long-term securities investment or fund management experience 2. What is the performance of other funds under the fund company 3. The fund manager’s investment philosophy and whether it is consistent with the investment portfolio 4

.Does the fund company pay attention to the interests of investors? 5. The size of the fund should be moderate, preferably. If the scale is too large, it will be difficult to operate. If the scale is too small, the ability to resist risks will be reduced. About 2-3 billion is suitable. During the stock market rise, the units of old funds

The net worth will rise faster than the new fund.

New funds are often more suitable for the second half of the bull market, while old funds are more suitable for crossing the bull and bear markets.