There are many options for investment funds, including old funds and new funds. Would you like to ask whether it is better to buy a new fund or an old fund? What are the advantages? Share some information below for your reference.

Is it better to buy a new fund or an old one?

New and old funds have little to do with the quality of funds, and each has its own advantages and disadvantages. For example, the subscription rate of new funds is usually low, but there is no historical reference data. If the fund manager of a fund company is also a newcomer, we can't understand its investment strategy, let alone judge its investment ability; For the old fund, we have sufficient data to refer to.

In addition, when new funds are put into the market, there must be a opening period, and this opening period takes a long time, usually 1? Six months later, if it happens to be a "bull market" and the funds are not fully utilized, the rate of return will of course be lower than that of similar old funds. In this process, the inflow of new fund funds will play a strong supporting role in the stock market and eventually become the "sedan chair man" of the old fund. On the contrary, in the "bear market", even if the old fund manager wants to adjust the fund investment, it is difficult; However, the new fund can delay the opening of positions and use fund funds to buy bonds to obtain stable income. Therefore, "buy old in bull market and buy new in bear market" has become a "formula" for many investors to choose new and old funds. But such a simple "formula" obviously cannot cope with the complex fund market. Therefore, we should also pay attention to some specific methods when choosing new and old funds.

The most fundamental thing to buy old funds is to look at historical performance. The performance of old funds has a historical record, which is an important prerequisite for investors to make correct choices. In the mature overseas fund market, generally speaking, the evaluation of a fund depends on its performance for at least three years. "It takes a long time to know the horsepower from a distance, but people will watch it for a long time." Only by long-term observation can we fully understand a fund's investment philosophy and ability to cope with risks. And the fund that can stand the test of time is the wealth management product worthy of our trust.

When choosing a new fund, the following aspects are crucial:

1. the ability of fund managers

Compared with the old fund, although the new fund has no historical operation performance as a reference, the fund manager has a "report card" of historical management and operation, and investors can make a rough judgment on the future of the new fund from the performance of other funds under their control.

2. Timing of issuing new funds

Issuing a new fund at the low point of volatile market or staged market can often make the new fund absorb undervalued stock varieties in the process of opening positions, thus laying a good foundation for the future growth of the fund. However, if the new fund is issued and opened at a stage high point in the market, the cost of opening a position will be higher, which will have a certain adverse impact on the growth of the new fund.

3. Can't analogy fund performance.

When we participate in innovation fund investment, it is obviously not comprehensive if we only take the performance of the main fund as the yardstick to measure the new fund. Because the changes in the market environment are irreplaceable, let alone reproducible. Therefore, the performance of innovation funds still needs to be further tested by the market.

4. Don't be attracted by low cost

We choose to invest in the new fund just to choose the future of the fund. Therefore, the growth rate of fund net value is the fundamental criterion for selecting high-quality funds. However, some friends invest in new funds because of misunderstanding of the actual cost. They treat the net value of the fund statically and ignore the dynamic performance of the net value of the fund.

5. Self-risk tolerance

Automatic investment plan

The fixed investment of the fund is also known as the lazy investment method. Many people will choose index funds to make fixed investment, because they don't have to pay attention to choosing funds, as long as they get the average income of the industry. Fund fixed investment does not need to choose the right time. As long as the date of fixed investment is set, you can buy one at the right time or choose automatic deduction.

There is no need to stop loss for the fixed investment of the fund. On the contrary, insisting on fixed investment during the decline of the fund can reduce the cost price and help to open a position at a low level; However, the fixed investment of the fund must be profitable. You can set a target profit point, such as annualized rate of return 10%, and it will come out at the profit point. But the key point is, according to the set goal, we can still insist on fixed investment when we lose money and bear the psychological pressure brought by the loss.

The difference between fixed investment and buying a fund.

1. Different ability to choose funds:

Buying a fund at one time requires a strong fund selection ability and buying a fund at the right time. The fixed investment of the fund is operated by a professional financial management team, and the ability to select funds is relatively strong, and the possibility of loss is relatively small.

2. Different investment risks:

The investment risk of the fund's fixed investment is relatively low, and the stop loss is the responsibility of the professional financial management team. In the worst case, investors can get the average return of the industry. If you buy a fund at one time, if the market is not good and the investor fails to stop the loss in time, there may be losses.

3. Different return on investment:

The investment return of the fund's fixed investment is relatively stable, and its ability to resist market fluctuations is strong. The return on investment of one-time purchase funds is linked to market conditions. When the situation is better, the rate of return may be higher, otherwise there may be losses.