On how to master fund investment skills

In layman's terms, a securities investment fund is an investment tool that collects the funds of many investors and gives them to the bank for safekeeping, and the fund management company is responsible for investing in securities such as stocks and bonds, so as to achieve the purpose of maintaining and increasing the value. The following small series brings you how to master fund investment skills, I hope you like it!

how to master the skills of fund investment

fund investment is an indirect way of securities investment. Although the fund itself has certain risk prevention ability, it is difficult to completely avoid the overall systemic risk of the securities market. Next, let's talk specifically about how to master the fund investment skills.

how to master fund investment skills?

1. Improve the risk awareness of investors. As an investment product, investment funds have both risks and benefits. Investors should bear the risks caused by the market decline while enjoying the rising income of the fund. Although fund investment can spread investors' risks through portfolio investment, and its market risk is less than that of stocks, it does not mean that there is no risk in fund investment, which is one of the key points of how to master fund investment skills.

2. Establish the long-term investment concept of the fund. Investors need to hold a good fund for a long time, but they can't do band operation in stock style. If they do band operation, they need a series of correct predictions and can't make mistakes, but it is very difficult to always sell high and buy low correctly. That is to say, the principle of this operation is very correct.

3. Try pyramid investment strategy. At present, the stock market is highly uncertain. Although we are optimistic about the market outlook of China stock market, China's market will be bullish for a long time, but it may enter a long adjustment period, especially in the face of the upcoming introduction of stock index futures, which will increase the frequency and range of stock market fluctuations. In view of this situation, it is suggested that for the citizens who have a sum of money in their hands, it is better to try a pyramid investment strategy than to put in all the money at once. No matter whether the market outlook rises or falls, they will advance and retreat to a certain extent, which is the key point of how to master the fund investment skills.

4. Grasp the key to choosing the types of investment funds. Many fund investors like to buy newly issued funds, and dislike that the net value of old funds is too high and expensive. In fact, this will greatly affect the investment income of investors. Because the income of fund investment comes from the growth rate of the fund during the holding period, the net value of the fund does not have any influence on the value-added range of the fund. High net value funds are not the same as high investment costs. In a continuously rising market, the high net value of the fund is a direct manifestation of its past investment ability, which means that each fund contains high assets, so it has a stronger advantage.

5. Make a good investment fund portfolio according to your own characteristics. Because each investor's risk tolerance, life cycle, use period of funds and risk preference are different, the types of investment funds will be different. For example, investors with low risk tolerance can invest in balanced, bond or principal guaranteed fund, while investors who like high risks will increase their investment in stock funds. However, no matter what kind of investors, they should adopt diversification strategy, and both high-risk and low-risk fund varieties can be taken into account, which is an essential point for mastering fund investment skills.

when is the best time to buy a fund

1. Trading day: The trading hours of the fund are from Monday to Friday, from 9: am to 11: 3 pm, and cannot be traded on Saturdays, Sundays and national holidays.

2. purchases around 3 pm: transactions before 3 pm will be calculated according to the net closing value of the day, whether they are bought at a high point or at a low point. Buy after 3 o'clock, according to the net value of T+1 day. In fact, when you buy a fund, you don't know what the price is. You need to wait for the fund company to announce the net value of the day.

what are the operating skills of funds

1. Look at the market outlook before operating

The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market, then decide whether to redeem them and make a choice on the timing. If it is a bull market, you can hold it for a while to maximize the income.

2. Converting to other products

Converting high-risk asset management products into low-risk asset management products is also a kind of redemption.

3. Regular fixed redemption

Like regular investment, regular fixed redemption can carry out daily cash management and curb market fluctuations. Regular fixed redemption is a redemption method with regular fixed investment.

What are the precautions for funds

1. Pay attention to arranging the proportion of fund varieties according to your own risk tolerance and investment purpose. Choose the fund that suits you best, buy some equity funds and set the investment ceiling;

2. 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;

3. Pay attention to future account maintenance. Although these funds are worried, they cannot be thrown away. Always pay attention to the new announcements on the fund website, so as to understand the funds you hold more comprehensively and timely;

4. 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 remains in the leading position, its income will naturally be high;

5. Be careful not to like the new and hate the old, and don't blindly pursue new funds. Although the new fund has inherent advantages, such as favorable price, the old fund has long-term operating experience and reasonable position, which deserves attention and investment;

6. 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 reinvestment as far as possible;

7. Be careful not to talk about heroes by short-term ups and downs. It is obviously unscientific to judge the advantages and disadvantages of funds by short-term ups and downs, and it is necessary to comprehensively evaluate the long-term investigation of funds from various aspects.

how to adjust the fund investment strategy

when the opportunity comes, investors may change their investment strategies and choose fund products that suit their needs in order to seize the opportunity. However, in the actual operation process, it often appears that the original investment will be abandoned and new fund products will be selected. However, there are often misjudgments in fund selection, and the performance of the selected fund exceeds its own expectations. Therefore, in the process of fund investment, it is necessary to know how to adjust the fund investment strategy.

how to adjust the fund investment strategy?

First, study and analyze the investment characteristics of the fund, so as to make a decision on whether to hold it for a long time. At present, there are many fund products, and different fund products have different investment portfolios, showing different risk-return characteristics. Therefore, when investors choose to hold the fund for a long time, they can't help but care about whether the portfolio of the fund products, especially the characteristics of its allocated assets, have long-term value-added stability.

second, the influence of market environment on the short-term net value of the fund is the key to increase or decrease the position of the fund investment. At present, the fund products are more and more influenced by the market. In particular, the reform of non-tradable shares, the disclosure of periodic reports and the occurrence of major events in listed companies will have an important impact on the price of assets allocated by the fund. It is precisely because of the sharp fluctuation of asset allocation price that the net value of the fund presents a certain degree of volatility. The change of fund net value caused by this volatility provides important investment opportunities for investors to make up and reduce their positions, and is the focus of how to adjust the fund investment strategy.

finally, before adjusting the fund products, the investment operation environment of the whole fund should be fully considered, so as to reduce the blindness, randomness and risk of fund adjustment and enhance its profitability. When the fund's net performance is lower than investors' expectations, individual investors always choose the fund products without analysis. Because fund investment is a long-term process, there are many personalized factors that affect the change of fund performance on the way, and it is impossible to guarantee that the performance of the fund is satisfactory every day or every stage.

in the process of fund investment, its net value has twists and turns, which should be treated with a normal heart. As long as the short-term performance of the fund does not fundamentally affect the lasting stability of the overall performance, it should be regarded as a normal fluctuation of the fund's net value, and the investment principle of the fund itself should be adhered to instead of blindly adjusting the investment strategy on the way, which is the key to how to adjust the fund's investment strategy.

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