For the basic people, if they really don't have the professional ability to choose fund products, one of the best principles is to buy brand funds under the brand fund company. This small series sorts out the steps and methods of selecting funds for your reference.
Steps and methods of selecting funds
When making fund selection, we can gradually narrow the selection range from large indicators to small indicators, and choose from large to small. The steps of selecting funds mainly include the following aspects:
1, select a fund company
Many people ignore the step of choosing a fund company when choosing a fund. In fact, it is also very important and crucial to choose a good fund company, because the fund managers of well-known and large fund companies are relatively higher. Give a simple example: for example, it is a truth whether those excellent talents will go to big companies, and good fund managers will also go to big companies.
2. Choose the fund size
The size of the fund is also an important criterion for selecting the fund. The larger the scale of the fund, the more stable the fund is, and the fluctuation range is relatively small. In addition, the larger the fund, the more resources the fund company will invest. Therefore, when choosing a fund, we should try to choose a larger fund. But it does not mean that the bigger the fund, the better, because the fund scale is too large, so it is more difficult for fund managers to control, and it should be judged according to the actual situation.
3. Choose a fund manager
The professional level of the fund manager has a great influence on a fund, and the rise and fall of the fund is also influenced by the subjective consciousness of the fund manager to some extent. Think about it, all our funds are invested by fund managers. If you want to reassure yourself, you need to know enough about fund managers.
4. Look at the historical performance of the fund, fund rating, Sharp rate, Shanghai and Shenzhen 300 income curve and other indicators.
After pre-screening, we have narrowed the scope a lot, so it is relatively easy to look at these indicators at this time, and it will not be aimless on a large scale. At the same time, the maximum withdrawal index of the fund is also more important, because the maximum withdrawal index of the fund corresponds to our risk tolerance, to see if we can bear the biggest loss of the fund.
How much is the income from buying a fund for 30 thousand yuan a day?
How much does 30 thousand buy a fund to earn a day? There is no clear answer to this question, mainly for the following reasons:
1. Different types of funds have different expected returns.
As we all know, according to the different investment targets, funds can be roughly divided into money funds, bond funds, hybrid funds and equity funds. Different types of funds have different expected returns. For example, the expected return of money funds is smaller than that of equity funds, and the balance treasure in Alipay is one of the money funds. In Yu 'ebao, the income of 10,000 yuan a day will not exceed 1 yuan, which means that if 30,000 yuan is transferred to Yu 'ebao, the expected income of one day will not exceed that of 3 yuan.
2, the fund's rate of return is constantly changing.
The fund's rate of return has been changing and adjusting. It may rise by 5% today and fall by 6% tomorrow. It may fall for a while, or it may rise for a while. Because the fund's rate of return is constantly changing, it is impossible to calculate the exact value of each day.
3. The fund may lose its principal.
Funds do not guarantee principal and interest, so if you buy a fund for 30,000 yuan, the daily income may be negative, and the fund may lose its principal. Therefore, you should not only consider how much income you can earn, but also consider whether you will lose the principal.
For example, if an investor buys a fund of 30,000 yuan and the fund increases in value by 10%, then the investor can get: 30,000 yuan ×10% = 3,000 yuan. Fund income = principal × yield-handling fee.
Advantages of private placement
1, there are few constraints such as private financing approval and information disclosure, so the cycle is relatively short and fast;
2. If the enterprise is good, you can choose private participants to increase resources or form complementary advantages; For example, the introduction of industrial funds (with investment experience and industrial chain resources), funds with investment banking experience, enterprise development strategy, financial consultants, consulting and other advantages, enterprises not only want money, but also value other aspects of development that joint-stock enterprises can bring to enterprises, that is, post-investment services.
3. It can enable business owners to lock in some investment profits in advance (in the form of equity transfer, such as additional issuance); If the issuance is rejected, it has been partially cashed out;
Can private equity funds trade stocks?
Private equity funds can be used to invest in stocks.
At present, private equity funds can invest in stocks, bonds, closed-end funds, central bank bills, short-term financing bills, asset-backed securities, financial derivatives and other investment products stipulated by China Securities Regulatory Commission.
Do private equity funds need a license?
Private equity funds originated in the United States. At the end of 65438+2009 and the beginning of the 20th century, many wealthy private bankers put their money into high-risk emerging industries such as oil, steel and railway through the introduction and arrangement of lawyers and accountants. This kind of investment is completely decided by investors, and there is no special organization, which is the embryonic form of private equity funds.
As a private equity fund company, it must operate in accordance with the law and accept the supervision of the national financial system, and bring it into the management of the national financial system to ensure the healthy operation of the national financial system. There is no financial system outside the supervision of the legal system.