Recently, global commodity prices and inflation indicators of major economies are on the rise, and the import impact of foreign inflation on China has attracted widespread attention. So as a fund investor, how to deal with it? Today, Bian Xiao will share with you how to deal with global inflation fund investment, for your reference only!

How to deal with global inflation fund investment

If ordinary people or families want to fight inflation, they should plan their financial management rationally and make their assets increase as much as possible, preferably exceeding the growth value of inflation. Generally speaking, assets that can cope with inflation include: real estate, stocks, funds and anti-inflation bonds.

Compared with stocks, public offering of funds is indeed the simplest way to fight inflation. Because stocks are too professional, the requirements for investors are very high. For example, they need to learn a lot of professional knowledge and spend time watching the market, which fluctuates greatly. Although it is more exciting, there are many factors that affect the real profit and loss.

In the current uncertain situation, for ordinary investors, buying a fund may be your best choice. Moreover, as long as you buy a fund, you must make up your mind and hold it firmly for a long time, so that the clouds can disperse. So, how should the fund be allocated?

1. Long-term holding and continuous fixed investment

Among the average returns of various assets in the past 15, the yield of three-year time deposits is around 3%; If it is good bank financing, it can reach 5%; The higher is the public bond fund, with an annualized rate of 6.6%; The highest is the housing price in Shanghai, which has increased by about 10% on average, and the highest is that the partial stock fund has increased by 12.5%. Therefore, long-term investment funds are a good way to overcome inflation.

First of all, it is easier to hold a fund that suits you for a long time. If investors are young people with no family burden and a certain economic income, then they can choose stock funds or partial stock funds; If investors have entered middle age and have a stable income, they can choose a balanced fund; However, the affordability of the elderly is low, and the investment should be stable, safe and value-preserving. You can choose some balanced funds or bond funds.

Secondly, find a track and fund that has a short start and is optimistic in the medium and long term, buy it when it fluctuates, and then hold it firmly. By buying in bulk, the risk is much smaller. Fixed investment funds, even if they buy at a high point, will spread their costs by buying in batches and exchange time for space. When the market comes, the annualized rate of return will outperform inflation.

Fund investment is a marathon. If you want to be as invincible as possible, you must make long-term investment with spare money, exchange time for space, insist on fixed investment and strictly observe discipline. These are the keys to successful investment.

2. Combination configuration

(1) gold fund allocation. Gold is a better way to deal with inflation. However, due to the continuous rise of the US dollar index, the price of gold has been suppressed recently, and it is difficult for short-term gold prices to rise sharply. However, considering that the US economic recovery has lasted for nearly 65,438+00 years, and the Fed's recent rate hike has accelerated, perhaps the US economy will "flourish and decline" in the near future, and now may be the "golden time" to allocate gold.

(2) Increase pension distribution. Inflation is the destroyer of wealth, and overcoming inflation is the basic pursuit of investment. Judging from the historical performance, A shares have rich long-term returns, but short-term fluctuations are large, making it difficult for investors to "buy and leave". Then, it is also a good choice to force yourself to increase the allocation of pensions and let institutions help you earn "long money". Investors can choose pension funds for allocation.

(3) Add cyclical funds. Domestic commodities have set off a wave of daily limit, and the prices of iron ore, rebar and other varieties have hit record highs. Driven by this, cyclical sectors such as coal and nonferrous metals led the A-share market strongly, and the net value of cyclical equity funds with heavy positions such as nonferrous metals and steel rose sharply. On the whole, funds with heavy cyclical stocks have led the gains this year, while funds in the military industry and food and beverage industry, which were hot last year, have the lowest returns. However, the beta market based on macro and industry prosperity is also uncertain, and the cyclical sector will be more structural opportunities. Be wary of cyclical stocks rising too fast, and the fundamentals can't keep up with the callback risk. Investors can balance the allocation of cyclical coal, non-ferrous and growing medicine, consumption and technology to spread risks.

In the current domestic market environment, inflationary pressure should not be too obvious, and ordinary families need not worry too much about rising inflation. Under the background of not speculating in real estate, it may not be able to achieve considerable results in the future by investing in real estate to outperform the actual inflation rate. In contrast, investors who hold some idle funds may wish to focus more on the core assets of the stock market, or achieve the effect of outperforming the actual inflation rate by investing in star funds and index funds.

How does inflation affect the market?

Analysts believe that for the stock market, inflation has two sides. On the one hand, inflation will push up interest rates and put pressure on stock market valuation. On the other hand, inflation is generally beneficial to the profits of listed companies. To judge the impact of inflation on the market, we must analyze it together with economic growth expectations in order to draw more effective conclusions. At present, the market is increasingly worried about inflation, but we believe that if the economic growth expectation can be sustained, there is reason to believe that the stock market will not be negatively impacted by monetary tightening for a long time.

The meaning of fund

Funds can be divided into broad sense and narrow sense. Broadly speaking, they refer to a certain amount of funds set up for a certain purpose, such as trust and investment funds, provident funds, retirement funds and so on. In a narrow sense, they refer to funds with specific purposes and uses. Usually, funds mainly refer to securities investment funds. The income of securities investment funds comes from the future, and the performance of the income is inseparable from the performance of the investment target market, which has certain risks.

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