1. Is the fund management scale bigger, the better?
Not necessarily. Generally, large-scale funds are well-known online celebrity funds. As the saying goes, "it is difficult for a ship to turn around." It is difficult for large-scale funds to switch positions and exchange shares, while small-scale funds are relatively flexible. When the market style changes, small-scale funds have strong adaptability to the market.
In addition, due to the large scale of management, fund managers can only buy more large-cap stocks when choosing individual stocks. Buying small-cap stocks is easy to "accidentally" become a shareholder, and then it will be "forced" to participate in corporate governance, while small-scale funds do not have this restriction.
Of course, whether to buy a large-scale fund or a small-scale fund is a wise question, which should be combined with market conditions and personal preferences.
2. Which is better, one-time purchase or batch fixed investment?
According to statistics, in terms of lengthening the cycle, the long-term income of one-time purchase fund is higher than that of fixed investment.
But the actual situation is often that if you buy at the high point of the stage, the loss of one-time purchase is also obvious, so for ordinary investors, fixed investment is a relatively suitable investment method. Through fixed investment, you can buy more stocks when rising, buy them at a low price when falling, dilute the cost, and finally get long-term benefits.
3. When will the fund sell when it makes money?
Funds can set take profit.
There are many ways to make a profit. Simply put, you can set a profit-taking line of 20% ~ 30%, sell half, and continue to invest the rest. This can not only cash in the income in time, but also continue to invest and improve the efficiency of capital utilization.
4. Are star fund managers necessarily better?
Not necessarily. Star fund managers usually measure their performance, such as He Julun in 2020 and Cui in 202 1. Under normal circumstances, when the fund's performance is good, the stocks held and the industries in which it is located also have a relatively large increase. If you buy a fund according to your performance, you are probably standing on a high post.
Of course, there are also some star fund managers who are based on long-term performance, such as Zhu Shaoxing, a "rich man", and Zhou Weiwen, a veteran of Central Europe. However, Zhu Shaoxing's capital is limited and Zhou Weiwen's investment style is too conservative. Investors should choose appropriate funds according to their investment preferences and needs.
5. What should I do if the fund fluctuates too much and I can't stand it?
In fact, funds include not only stock funds, but also stock-debt hybrid funds and bond funds. The investment target of pure debt funds is bonds, which is exactly the same as general bank financing. The fluctuation of such funds is very small, and those that do well can generally be controlled within 1%, and some even 0. 1%, which is suitable for investors with relatively low risk appetite.
In addition, there is a debt-biased hybrid fund, which is also a hot "fixed income+"fund last year. Generally, such funds have about 10% stock positions, and the rest are bonds and cash management. According to the past performance, a good "fixed income+"fund can usually achieve an annualized income of 7% ~ 10%, and the maximum withdrawal is controlled at around 2% ~ 3%. In addition to stock funds, investors can still choose their own funds according to their risk preferences and affordability.