The net asset value of a fund unit refers to the net asset value of the fund represented by each fund unit, and the calculation formula is:
Net asset value of fund units = (total assets-total liabilities)/total number of fund units
The reason why we have always stressed that the net asset value of the fund should be calculated at the fair price of a certain valuation point is because the market price of these assets owned by the fund is constantly changing, so the net asset value of the fund is also constantly changing. Therefore, only by recalculating the net asset value of unit funds every day can the real investment value be reflected in time.
(1) First of all, you should know your investment type, whether it is steady or radical.
Because if you buy these basics, then in the big bull market, the basics that go up every day will torture your heart.
Fund dividends are similar to those of listed companies. It is necessary to sell stocks first to form realizable income, and then implement dividends. Fund holders get real dividend income,
Split only changes the corresponding relationship between the net value of fund shares and the total amount of fund shares, and does not affect the change of investors' total assets. The fund split does not need to sell stock assets. In fact, the biggest drawback of split base is that it will directly lead to the rapid expansion of fund scale and indirectly affect the rapid growth of income in a period of time. Some people think that as long as the base in hand is to be split, it is time to consider changing the base (excluding small dividends).
(2) How to choose among more than 300 funds?
It is suggested to refer to the strength of fund companies, the past performance of funds in the market, the ability and reputation of fund managers. Personally, I am optimistic about Guangfa Department, Southern Department, Huaxia Department and First Machine Department. You just need to buy the best of these companies. For example, Guangfa Guangfa Jufeng.
(3) What is the best way to buy a fund?
It is best to choose the online sales and purchase of fund companies.
The advantage of this is that on the one hand, the handling fee is much cheaper than buying it at the bank counter and online banking.
The most important thing is, if you buy a fund and feel that you have bought it wrong, you can switch to other funds with good performance under the same fund company in time.
This saves the time and expense of redeeming funds from the bank and buying them again, and it doesn't delay you counting money every day at all.
(4) How to allocate funds to buy funds?
If you don't have millions of funds, it is suggested that 10W should be the main one, with 3-5 pieces.
From the perspective of long-term income, the price difference between the top 100 best base and the worst base in the market will not exceed 15% at most.
So as long as you don't buy the worst base on the market, there is absolutely no need to keep a bunch of bases in your hand. Are you tired?
(5) Choose a big fund or a small fund?
In my opinion, the foundation with a scale of about 6 billion has the most stable performance.
The plate is very big, with more than10 billion elephants on it. Sometimes running is not very flexible.
The plate is small, only less than one billion, so don't buy it. Why?
There is a potential risk that some black-hearted fund companies will forcibly expand their models in order to earn fees and management fees. For example, the recent Penghua value is a lesson.
(6) How to allocate and purchase funds?
Look at the top ten positions of major funds. I have always believed that buying a fund is actually equivalent to indirectly buying ten stocks of the fund.
So before buying, please look at the stocks you indirectly hold! This is related to the future growth space of the fund you hold, and of course this is also the importance of the fund manager's ability I emphasize.
A good fund manager, we don't have to doubt his ability to choose stocks and adjust positions at all, which can make people sit back and relax.
Then if you want to buy more than two bases, you should pay attention to the combination configuration, that is, the two bases you choose, and the top ten positions should be complementary and not heavy.
That's no different from buying the same base. At present, many bases in the market have a high degree of overlap among the top ten heavy positions, so everyone should pay attention.
Some funds, heavy real estate stocks; In some fund departments, heavy positions are steel stocks; Some fund departments are biased towards financial stocks; I won't go into details here. It's not hard for us to find it ourselves.
In this way, if you are optimistic about real estate stocks and financial stocks at the same time, then you must find the bases of these two industries and make configuration purchases; Others and so on.
In addition, there are huge resources and large and small plates of nonferrous metals, so these two are very suitable for small positions.
(7) What should I do in the early stage of buying a fund?
Study, analyze, weigh and then make a decision.
Do you think you can keep a foundation you don't know at all?
Fund size, fund manager and investment style are the minimum understanding categories.
Don't rush in because you see a base running well and perform well for a while.
You know, many basic styles are going up fast and falling fast. If you approve of this style, you can buy it, otherwise don't be impulsive for short-term profits.
(8) What mentality should I use to buy a fund?
Normal mind is very important.
Don't stare at the ups and downs list all day, laugh at the top ten, and be depressed when the base falls to 50.
You know, the top ten and eleven may be different. Why is it 0.0 1%? . . I am unhappy because of the small gap in the day.
If you hold it for a long time, you don't have to look at the net income every day. It is better to take this time to learn some investment common sense.
(9) Can I buy a fund now? It's so high Is it safer to buy a new pedestal?
The key is whether you think 5000 points is the highest point of China bull market.
If you think so, then you don't have to buy the base and redeem the short position immediately.
If not, then as long as there is room for 1000 points in the market, the fund will have at least more than 25% profit space. You should weigh whether to participate or not.
Even at the top of the stage, then you can either wait for the callback or enter now and invest for a long time.
If the new base is safer than the old base, I think it is nothing more than the level of net worth. This idea is wrong, wrong.
In fact, when the market is high, the position of the fund mainly depends on the risk coefficient of the fund. Because the new fund has just opened a position, the position will be low and the risk will be small, but it also means that the yield is not high.
If the market is bullish in the next stage, the new fund will be short-lived. Therefore, if you are bearish on the market outlook, or think it is necessary to adjust the market outlook for a period of time, I suggest you buy a new fund.
My suggestion here is that investors with large amount of funds or stable investors should choose stable basic subscription.
Sometimes running fast is not necessarily the best for you, because you may fall fast.
When buying a fund, I still think that the best investment style is the best foundation in your eyes.