As one of the common low-risk investment and financial management tools, fund has now become an indispensable financial management tool. But for many citizens, it is really distressing to buy funds without making money, so it is very important to choose funds. Here are some key points about fund investment for your reference.
Pay attention to the following points when choosing a fund:
A good fund management team is very important.
Generally speaking, index funds earn beta returns, which is relative to indexes, while competent fund managers have higher information ratio than others, that is, they have stronger ability to obtain alpha returns. This is not only reflected in his strong stock selection ability, but also in the appropriate allocation ratio. If the proportion of stocks with good performance is high, the natural fund will go up.
Paying close attention to this prosperity is likely to bring huge profits to the industry.
Although holding funds for a long time is an important strategy to buy funds, we should also choose industries with good prosperity or policy support at the national level. This kind of industry generally has capital rotation and speculation, and it is not difficult to make money. In case of bull market, we can attack Man Cang; in case of shock, we can flexibly lighten our positions, minimize risks, control retracement, realize steady income and strive for long-term appreciation.
Remember not to chase up and down, long-term holding is king.
Buying a fund means buying a long-term one. Generally speaking, fund managers are selective about stocks and hold them for a long time, so everyone's pursuit of ups and downs runs counter to their ideas. The fluctuation of funds is relatively small and meaningless, so holding them with peace of mind can get satisfactory returns and can't be quick and quick.
Trust product registration
China Trust Registration Co., Ltd. (hereinafter referred to as "CITIC Deng") is responsible for the registration of trust products. CITIC Board was established with the approval of China Banking Regulatory Commission on June 5438+February 65438+February last year, with a registered capital of 3 billion yuan. It is controlled by China Government Securities Depository and Clearing Co., Ltd., and was established by china trustee association, China Trust Industry Guarantee Fund Co., Ltd., 18 Trust Company and Shanghai Lujiazui (600663, Share Bar) Financial Development Co., Ltd. ... and the accompanying Measures for the Administration of Trust Registration.
According to the Measures for the Supervision and Administration of China Trust Registration Co., Ltd. promulgated by the China Banking Regulatory Commission, the functions of CITIC include three parts: First, improve the functions of trust product registration and information statistics. By establishing the registration system of trust products, we can realize the registration of trust products, trust beneficial rights and other information, further standardize and improve the statistics and information disclosure of trust products, and perform the inquiry and consultation functions related to trust products. Form an authoritative trust data center to provide information support for the development of the trust industry.
The second is to realize the issuance and trading functions of trust products. With the registration system of trust products as a platform, supporting the corresponding issuance and trading systems, we will establish a trading market for trust products, standardize the issuance, trading, redemption and liquidation of trust products, improve the liquidity of trust assets, and promote the stable development of trust industry.
The third is to provide information services for supervision and improve supervision efficiency. By establishing the trust product registration system, the real-time monitoring of the trust industry by the regulatory authorities can be improved, and the timeliness and effectiveness of trust industry supervision can be improved.
Recently, Deng Zhiyi, director of the Trust Department of the China Banking Regulatory Commission, said in an exclusive interview with china securities journal: "The trust registration platform is online, and we will try our best to catch up. There is still hope for going online in the first half of the year. " He believes that the trust system is unique, and trust registration has special significance in the trust system. Although the trust registration system was put forward as early as 200 1 when the Trust Law was promulgated, it has not been implemented for various reasons. At the end of last year, CITIC went public, and it is progressing in an orderly manner according to the scheduled plan. Related internal business operation systems are in progress, and strive to go online as soon as possible. The relevant registration system is gradually being established. At present, it is only product registration, which is far from ownership registration.
Huaao Trust was punished by the Banking Regulatory Bureau for many violations, breaking through the 30% regulatory red line.
Huaao Trust replied to the reporter of China Business News that at present, the company has been completely rectified and operated in strict accordance with national laws, regulations and regulatory requirements.
165438+1On 28 October, the penalty information about Huaao Trust released by Shanghai Banking Regulatory Bureau showed that during March to July of 20 14, the company did not examine the qualifications of investors when signing trust contracts with investors, and the amount subscribed by investors did not reach the minimum investment amount of the investment trust plan. 20 13, 10, 20 14, 10 companies illegally entrust non-financial institutions to promote trust plans. At the end of 20 14, the balance of collective trust funds used by the company for loans accounted for 45.97% of the paid-in balance of the managed collective trust plan, exceeding the upper limit of 30% of the regulatory index.
The Measures for the Administration of Collective Funds Trust Plans of Trust Companies clearly stipulates that loans provided to others shall not exceed 30% of the paid-in balance of all trust plans managed by them.
"This regulation is mainly to limit the excessive issuance of loans by trust companies, weaken the market image of their non-bank credit institutions, and effectively control their own business risks. Exceeding this provision is not conducive to macro-control through the total amount of market loans, nor is it conducive to the transformation of trust companies into truly active asset management institutions. " Shuai Guorang, research department of usufructuary trust finance, told reporters.
A senior trust researcher explained that the CBRC has always explicitly opposed the homogenization competition between trusts and banks. Because the trust industry is far inferior to banks in terms of project source, customer quality, risk prevention and control ability, investment judgment ability and market prediction ability.
He stressed that if there are too many loan businesses, it is easy to form highly concentrated applications in some fields, such as industries with overcapacity, mining, steel and other industries with concentrated non-performing assets. This is also an important motive for the CBRC to put forward the regulatory red line.
The above-mentioned senior researchers believe that judging from the fact that they have been punished continuously and have violated the rules for many times, they can't simply be explained by mistakes or negligence in their work, which can be said to expose many defects and deficiencies. For example, the company's management system, internal control system, risk prevention and control, and middle and back office systems may all have loopholes to varying degrees, which is self-evident.
The reporter inquired about the national enterprise credit information publicity system and learned that in less than one year from May 29th, 20 15 to April, 20 16, Huaao Trust had two equity changes. Among them, Macquarie Capital Security Co., Ltd., a foreign shareholder, withdrew in the second half of last year. Huaao Trust explained that the withdrawal of foreign shareholders from Huaao Trust was mainly related to its own strategic adjustment. Relevant persons of the company once told the media that the withdrawal of foreign shareholders "has little impact on the company".
Accompanied by changes in equity, there are changes in senior management. Andy Carlyle, the former president of Hua 'ao Trust, left his post in April this year and took office less than two years ago. Zhong, the new president of the company, was approved by Shanghai Banking Regulatory Bureau in June+10 this year, and his qualification as president was approved.
Relevant persons of Huaao Trust said that at present, at the request of the shareholders' meeting and the board of directors, under the leadership of the new president, the company takes legal and compliant operation and steady operation as the leading ideas of the company's operation, and seeks development and new business transformation breakthroughs on the basis of steady operation.
Wu, president of Huaao Trust, also said that the future work of Huaao Trust will be carried out in five aspects: "stable development, risk control, strong foundation, promoting transformation and increasing efficiency". At present, the company has sound management and stable team, and the company is making every effort to prepare for the development after capital increase.
According to the above senior researcher, under normal circumstances, changes in equity will inevitably lead to changes in senior management. However, the frequent changes in the top management of any company will inevitably bring a series of uncertain factors and various influences to the company's operation, strategic objectives and development planning. In this process, the relevant departments may have some management problems and operational loopholes.