For individual investors, some people love bargain hunting, blindly buying without looking at the prospectus, and there is no stop loss standard. In the eyes of the industry, the above phenomenon mainly stems from factors such as inadequate investor education. Today, Bian Xiao will share with you why you don't buy funds to make money. Maybe you are in a misunderstanding, for your reference only!

The number of OTC natural person investor accounts reached 607 million.

The latest survey data further summarizes people's lives in recent years. On March 9th, the China Foundation released the Report on Investors of Public Offering Funds in 20 19 (hereinafter referred to as the Report). It is reported that the data of this survey report comes from the individual investor account data of the fund provided by the member institutions of China Foundation 1 14 and the 756 10 sample questionnaire, and the final sample number of the questionnaire is 5 1430.

It is worth mentioning that, compared with previous years, this survey report has added a chapter on institutional investors in Public Offering of Fund, which mainly analyzes the types of institutional investors, the scale of institutional funds, investment categories, institutional investment strategies, institutional investment cycles, institutional investment styles and market interaction methods, filling the gaps in the investigation and analysis of institutional investors' investment in Public Offering of Fund. As for individual investors, this survey mainly focuses on personal background information, financial assets and allocation, fund investment and allocation, and fund investor education.

The data shows that the proportion of "retail investors" accounts for more than half of public offerings. According to the full sample data of China Securities Depository and Clearing Co., Ltd., by the end of 20 19 and 12, the total number of on-site investors in public offering funds was19.8 million, and the number of off-site investors was 608 million. Among them, on-site natural person investors19.73 million households, and off-site natural person investors opened 607 million accounts. It can be seen that from the perspective of the number of people and accounts, the proportion of natural persons is above 90%.

A summary of investment misunderstandings

In addition, according to the observation of beijing business today reporter today, for the overall individual investors, some investors love to bargain-hunting, blindly buy without looking at the prospectus, and no stop loss standard has been set. Look at these "investment misunderstandings". Did you fall in?

According to the survey, over 40% of investors have no habit of reading the prospectus. Specifically, 26.2% of investors said that they would not read the prospectus before purchasing the fund. Among them, 7.2% investors don't read because they don't understand, and 19% investors don't read because they have too much content and don't know what to read. In addition, 19% investors said that they sometimes read the prospectus, but they don't know what to read. According to this, it is not difficult to see that most people will still invest before they know the basic situation of fund products.

In terms of the timing of buying funds, the survey report data shows that 40.2% of individual fund investors will buy funds when the market falls, up 5.2 percentage points year-on-year. In terms of product selection, 28.4% of investors said that they would buy a fund when they found that its performance was very good. Another 2 1.6% investors buy funds when they are optimistic about the market; 9.8% investors will buy funds under the strong recommendation of others. I have to remind you that "investment is risky and you need to be cautious when entering the market".

Although the survey also mentioned that more than 90% investors expressed their willingness to take investment risks, the "timely stop loss" still needs to be improved. The data shows that only 27. 1% of investors have set a stop-loss standard and can strictly abide by it. In other words, only about 1/4 investors can stop their losses strictly according to the standard, and the data decreased by 3 percentage points year-on-year.

Under the background that most investors fail to "stop loss in time", nearly 90% of investors will be anxious because of "losing money". It is reported that 89.3% of investors said that investment losses will lead to anxiety, and 6.5% of them will be anxious when the loss is less than 10%; Loss 10%-30% investors will be anxious, accounting for 32.2%; Investors who lose 30%-50% are anxious, accounting for 35%; 15.7% is anxious only if it loses more than 50%.

Fund investment education has a long way to go.

What are the reasons for the above problems? Some insiders pointed out that the above problems of individual investors show that there are many shortcomings in the current investor education (hereinafter referred to as "investing in education") and there is still much room for improvement.

A senior market person said, "The topic of investment education will only be mentioned when the organization issues new products. But as soon as the new product was released, the topic was forgotten. Especially in the context of the current market crash, few people mentioned the topic of investment education. "

In the view of financial commentator Guo Shiliang, the risk warning in the process of fund sales should be improved, rather than just exposing risks online. We should also pay attention to telephone call-back. We can use different forms of risk disclosure, such as online and offline, to make investors more fully aware of investment risks. In addition, relevant institutions can further explain the risk of market fluctuation through open channels. Because fund products are products with equal emphasis on risks and returns, there is still much room for improvement in investor education.

Guo Shiliang thinks that the above problems of individual investors will be improved in the coming year. With the change of market environment, some investors will also enhance their risk awareness and take the initiative to accept investor education.

However, the aforementioned market participants believe that it is difficult to improve the above phenomenon because some professional contents are difficult to be presented in the form of "grounding gas". "Because the fund investment content is too professional, it is difficult for investors to understand if it is not explained in easy-to-understand language. However, some professional contents need to be interpreted in a professional way, and it is difficult to speak in vernacular. "

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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