Individual investors buy more open-end funds, which can be bought at any time after listing, including weekends and legal holidays. However, this does not mean that it is suitable to buy funds at any time. Fund buying has certain time skills, so is it worth buying funds on Friday? Here I would like to share with you some information about whether it is cost-effective to buy funds on Friday for your reference.

Is it worthwhile to buy a fund on Friday?

Although fund products will also generate expected returns on weekends and legal holidays, it is usually not cost-effective to buy funds on Friday, which is related to the trading system of funds.

For general fund products, such as money funds and bond funds. The newly purchased fund will not generate expected income until the fund company confirms its share on T+ 1 day, and the expected income will be updated after the next trading day 15:00.

If investors buy funds on Friday, it means that the fund company will not confirm the fund share until next week and begin to generate expected returns, so the funds will be occupied on the weekend but will not generate expected returns.

For example, if an investor buys a bond fund at 1 10,000 yuan before 65438+ 10 (Friday), the fund company will confirm the fund share on 65438+10/3, and the investor can only buy it at 65438+. 65438+1October 1 1 and 12 were occupied, but there was no expected fund income.

If investors buy after 65438+1 October 10 (Friday) 15:00, the fund confirmation time will be postponed to 65438+1October 14 and 65438+/kloc-.

How to buy a fund before the Spring Festival?

Spring Festival is a legal holiday in China, and it is a non-trading day like weekends. The fund company will not confirm the fund share. Therefore, the calculation method of fund purchase time before the Spring Festival is similar to that on weekends.

In 2020, Spring Festival travel rush will be closed from Friday, 65438+1October 24th. For general fund products, investors need to buy them at least before 65438+1October 22 15:00, in order to enjoy the expected income normally during the Spring Festival.

Remember three points, you can make a steady profit by buying a fund.

First, choose the right time to buy when the stock market trend is good.

The general trend of improvement means that the state strongly supports the development of the capital market, encourages investment institutions or investors to buy stocks, and introduces economic policies such as interest rate reduction, tax reduction and liquidity liberalization. The current national policy is particularly suitable for ordinary investors to buy funds.

Second, when buying funds, adhere to the principle that the stock index falls sharply to buy big, falls slightly to buy small, and does not fall or buy;

Because the general trend of the capital market is upward, the index rise is also the general trend, and the fund income trend will not change in the short term. However, when buying a fund, we should pay attention to the falling date of the stock index, so that we can buy more fund shares with the same funds.

The third is to determine the timing of selling.

Fund investment and stock investment have completely different trading rules. Ordinary investors generally hold stocks for a short time and operate frequently. However, when investing in funds, you can't buy and sell frequently, and you can't hold it for too short a time. In general, it should be held for more than 6 months to 12 months. You can also refer to the investment income to determine the selling time. When selling stocks according to the investment income, when the income exceeds 20%, the principle of "big increase and big sale, small increase and small sale" can also be adopted. If you are worried that the fund will continue to rise after being sold, you can also make a fixed investment plan for the fund. You can make a fixed investment every week and every month to ensure a stable investment income. As long as we adhere to the principle of "buying and selling in bands and holding them for a long time", fund investment can basically make a steady profit without losing money.

Learn these "5" fund purchase methods to double your fund income!

Method 1. Equal purchase method

Equal purchase method, that is, as long as the fund valuation shows a downward trend, the amount of each purchase is the same. Advantages: suitable for long-term downward trend, fixed investment, and low liquidity requirements. Disadvantages: We can't make full use of the valley and share the cost.

Method two. Equal difference purchase method

Equal difference buying method, or pyramid buying method, means that as long as the valuation shows a downward trend, no matter how much it drops, every time you buy, you will buy a fixed value more than the last time. Advantages: to a certain extent, the valley point is used to better share the fund purchase cost. Disadvantages: the demand for working capital is general, and the funds for jiacang are wasted under the condition of small decline.

Method three. Equal proportion purchase method

Equal ratio buying method, that is, as long as the valuation continues to decline, the amount of each purchase is doubled from the previous one. Advantages: when the decline is getting bigger and bigger, you can make good use of the valley points. Disadvantages: It requires high liquidity, and when it falls for a long time, it will cause liquidity tension or even no warehouse at the lowest point.

Method four. Weighted purchase method

Weighted buying method, that is, buying a certain amount as the weight value according to the magnitude of each valuation decline. As shown in the above figure, when the decline of point A is 1, buy 100 yuan, when the decline of point B is 2, buy 200 yuan, and when the decline of point C is 0.5, buy 50 yuan. Advantages: Make full use of diminishing value and have better cost sharing ability. Disadvantages: As shown in the above figure, when there is little decline near the valley point, the valuation point cannot be fully utilized.

Method five. Cumulative weight purchase method

Cumulative weight buying method, that is, when there is a continuous decline, the amount bought each time is the cumulative value of the previous decline as the weight. For example, point A fell by 1 point, the position increased by 100 yuan, and point B fell by 1.5 points, with a cumulative decrease of 2.5 points, that is, point C fell by 2 points, with a cumulative decrease of 4.5 points, and the position increased by 450 yuan. Advantages: You can make full use of the valley point and the descending range. Disadvantages: it requires high liquidity and needs to prepare sufficient funds to add positions.