There are various funds in the market, such as currency, hybrid, stock, bond and index. As a novice, you need to confirm your risk tolerance and financial goals at the first time. So I don't know how beginners choose the right fund? If you want to "Qian Shengqian" and make your wealth snowball, you must choose the right fund. Only professional money-making funds can guarantee a certain annualized income. The following is a collection of Bian Xiao 20021on how beginners choose the right fund. What are the profit-taking methods of fund investment? I hope I can help you.
How do novices choose the right fund?
1 select fund companies, and reliable fund companies can provide professional research and investment guidance for fund managers. Usually, fund companies with large assets under management, many star funds and stable teams are more worthy of choice, such as Nanfang and Yifangda.
2 Choose a fund manager. The fund manager is the helm of the fund. His professional ability and investment vision largely determine the income of the fund. Therefore, we should focus on those "senior" fund managers who have experienced bull-bear conversion and have stable performance.
When choosing a fund, we should not only pay attention to the short-term performance of the fund, but also pay attention to the long-term performance and risk control ability of the fund. Steady and upward funds are more worthy of attention.
What are the profit-taking methods of fund investment?
1 target take profit method. As the name implies, it is to set your own target rate of return, such as annualized rate of return 15% and 20%. If you don't reach your goal, it will never be recovered. Once the target rate of return is reached, it will be decisively cleared and redeemed, and it will never be greedy! Then start the next round of investment.
2 high point batch redemption method. For example, when the Shanghai Composite Index is below 3,000 points, buy (or vote) in batches, ignoring the short-term fluctuations during the period, and then redeem the profits in batches when the Shanghai Composite Index reaches more than 4,500 points. The advantage of this method is that there is a chance to get a higher return on investment, but the investment period may be very long.
3 high point retreat take profit method. When the market continues to rise, it is always reluctant to redeem it. For example, during the bull market, the Shanghai Composite Index has a certain range (5% ~ 8%) at 5500 points (a relatively high point). At this time, we must resolutely clear the position and take profits, and never lose money because of greed.
In fact, there are many ways for funds to take profits, mainly depending on which is more suitable for them and which is the best. Some people prefer long-term fixed investment, so naturally they can insist on taking profit without stopping loss. Some people prefer to make profits when they reach their goals in the short term, and these methods can be used. In short, choose high-quality funds and find a profitable way that suits you.
Six financial principles that investment and financial management must know.
1 risks and rewards. The principle of risk-return shows that investors must know both risk and return, because the higher the risk, the higher the return, and the lower the risk, the lower the return. For corporate financing, we must compare the benefits and risks. In order to ensure the best rate of return, investors need to measure risks and benefits through direct measurement and relative measurement.
Time value of money. This principle is related to the value of money, which decreases with time. The value of current time 100 yuan is greater than the value of 100 yuan after a period of time or several years. Therefore, before investing or raising funds, we must consider the economic inflation rate, and the required rate of return must be greater than the inflation rate, so that the rate of return can make up for the losses caused by inflation.
3 cash flow. The principle of cash flow mainly discusses cash inflow and outflow, and investors prefer cash inflow in the early stage to cash inflow in the later stage. This principle also follows the principle of time value, which is why it takes precedence over later interests.
4 profitability and liquidity. From the perspective of investors, the principles of profitability and liquidity are very important, because investors must ensure profitability and liquidity at the same time. Liquidity means the marketability of investment, that is, the difficulty of obtaining cash by selling investment. On the other hand, investors must invest in a way that ensures the maximum profit at a medium or low risk level.
5 diversification. This principle helps to minimize risks by establishing the best investment portfolio. The idea of portfolio is not to put all the eggs in one basket, because if the eggs fall, all the eggs will be broken, so please put the eggs in different baskets to minimize the risk. In order to ensure this principle, investors must make risk-free investment and some venture capital, in order to finally reduce risks. Diversification of investment ensures minimum risk.
6 hedging. Hedging principle shows that we must obtain loans from appropriate sources. For short-term capital needs, we must raise funds from short-term resources. For long-term entertainment needs, we must manage funds from long-term resources. The financing of fixed assets should be carried out from long-term sources.