The purchase of funds should follow six principles:
First, the ability of fund managers to manage and operate funds. Compared with the old fund, the new fund has no historical performance as a reference, but investors can completely measure the performance of the fund manager in the process of historical management and operation, especially the performance of other funds they manage, so as to have a general understanding of the future performance of the new fund.
Second, the qualifications and work experience of new fund managers are also important factors that investors can't ignore. It can be said that having a long working experience has basically created rich investment experience for fund managers, which is undoubtedly very beneficial to the growth of new funds.
Third, the timing of new fund issuance. The issuance and opening of new funds at a high point in the securities market will cost a lot, which will have a certain impact on the growth of new funds. However, choosing to issue a new fund at the low point of volatile market or staged market can make the new fund absorb low-valued stocks in the process of opening positions, thus laying a good foundation for the future growth of the fund.
Fourth, low cost is not the reason to snap up new funds. When investors choose to invest in a fund, they choose the future of the fund and understand its earning power. Therefore, the growth rate of fund net value has become an important criterion for investors to choose high-quality funds. However, investors' investment in the new fund is based on realistic cost misunderstanding, and they treat the net value of the fund statically, ignoring the dynamic performance of the net value of the fund.
Fifth, it is not appropriate to compare the performance of funds. It does create good investment opportunities for investors from the perspective of buying funds at low cost, but the performance of innovative funds remains to be further tested by the market. When investors participate in the subscription of innovative funds, it is not comprehensive to take the performance of the main fund as the yardstick to measure the new fund. Because the changes in the market environment are irreplaceable and unrepeatable, investors need to pay attention to this.
Sixth, whether its own risk tolerance matches the new fund. Investors have good expectations for the future income of the new fund, but whether investors are fully prepared and have a positive understanding of the income and risks of the new fund products requires investors to conduct self-risk assessment before investing. Because the subscription amount of the new fund is low, it does not mean that the new fund does not have certain investment risks, nor does it mean that market changes will not have an impact and impact on it.