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The first step of playing a foundation: choose a good fund that suits you.
Alipay now has a lot of funds labeled as "golden election", all of which are long-term and high-yield old cattle bases.
This kind of fund will definitely outperform the market in the long run after being judged and audited by professionals. As long as you have enough patience, it is not difficult to achieve an average annual rate of return of around 10%.
In addition to the screening given to us by Alipay, if you want to find a good fund through your own screening. I recommend the morning star. Com, which is an internationally renowned rating website. Funds that last for three to five years deserve special attention.
After selecting the fund, you need to confirm the investment method. I hereby recommend Xiaobai Student Party to invest in the form of fixed fund investment.
The second step of laying the foundation: how to play the fixed investment fund?
Fixed investment is to invest money in a specified period and buy a specific fund. This is also the establishment of a fixed investment plan through the platform.
In Alipay, there are two ways: ordinary fixed investment and intelligent fixed investment. Ordinary fixed investment refers to a fixed monthly investment of a sum of money.
Intelligent fixed investment, as the name implies, is the intelligent fixed investment of funds. The third-party platform will flexibly adjust the investment amount according to the fluctuation of funds, buy more when the funds are cheap, and buy less when they are expensive to maximize the income.
According to the past investment performance, intelligent fixed investment will have higher income than ordinary fixed investment. Click on the fixed investment of the corresponding fund in Alipay, and you can see the switching of smart fixed investment. Alipay has two smart fixed investment strategies, valuation strategy and moving average strategy.
Alipay's valuation strategy is to deduct money according to the fund valuation, and only operate when the fund valuation is too low, and not deduct money when the valuation is too high. The advantage of this strategy is to ensure that all the index funds you buy are in the undervalued area, which is cheap and avoids the risk of overestimation. For some short-term undervalued indexes, such as SSE 50 and CSI 500, you have to endure the loneliness of not investing for a long time.
The moving average strategy is to buy the moving average of the reference index. If the index rises sharply and far exceeds the reference moving average, buy less. If the index falls sharply and is far below the moving average, buy more. Click on the reference moving average to select the reference 180 days, 250 days and 500 days.
Need to be reminded that active funds have no valuation reference. There are few funds in Alipay that can choose valuation strategy. Most funds can only choose the moving average strategy for intelligent fixed investment, and some funds can only make ordinary fixed investment.
Although the moving average strategy is rigorous, its actual investment method needs to be compared according to the moving average level and fluctuation range before it can be adjusted to increase or decrease investment. At this stage of A-share volatility, it is not much different from ordinary fixed investment.
As for whether to choose ordinary or intelligent fixed investment, I suggest ordinary fixed investment.
Although the moving average strategy is rigorous, its actual investment method needs to be compared according to the moving average level and fluctuation range before it can be adjusted to increase or decrease investment. At this stage of A-share volatility, it is not much different from ordinary fixed investment.
As for whether to choose ordinary or intelligent fixed investment, I suggest ordinary fixed investment.
1, the target rate of return takes profit.
This is the most commonly used profit-taking method. When the fund's rate of return reaches the set rate of return, it begins to sell for profit.
In this way, the take profit point cannot be set too low or too high. Considering the historical situation and the national GDP growth rate, it is suggested that the relatively stable profit-taking interval is annualized 10%- 15%. At this point, you can start thinking about selling.
When this is achieved, there are three sales strategies.
(1) One-time redemption.
That is, after reaching the profit-taking point set by yourself, all of them will be redeemed at one time, and then a new fixed investment will be started. A new round of fixed investment can not only invest in this fund, but also replace new and better investment targets. It depends on the current valuation of the fund and whether the reasons for buying at the beginning have changed.
(2) Profit in batches
This method is expected to continue to rise in the future, which is suitable for use when the market is in the middle. If it continues to rise in the future, it will be sold gradually. In order to maximize the income, for example, sell 50% first, and then sell a part for every 5% increase.
(3) Maximum retracement and take profit
This method is suitable for use when the market is at a high point, because you can't guess the highest point, and then take profit when the market starts to fluctuate sharply and retreat, for example, set 5%, and sell it all or in batches once the retreat reaches 5% in the process of continuous income amplification.
2. Profit from the valuation.
This strategy is suitable for profit-taking of index funds. Adhere to the fixed investment when the valuation is low, and sell it when the valuation continues to rise to overestimate.
Of course, this process should also pay attention to the overall situation of the market, but the overall A-shares have reached overvaluation, and it is also necessary to reduce the position allocation.
Please refer to the valuation data of Pan Qi and Egg Roll for the relevant index valuation data.