What is the Natural Fund? What's the difference with general funds? When do you want to buy again? I believe many people are new to the word Natural Fund. Here's how to buy the natural fund brought by Bian Xiao. I hope you like it.
How do natural funds buy time?
1, subscription on trading day: the trading time of the fund is 9: 00 am-165438+0: 30 pm, 1: 00-3 pm from Monday to Friday, and it cannot be traded on Saturdays, Sundays and national holidays.
2. Buying at around 3 pm: transactions made before 3 pm, whether high or low, are calculated according to the closing net value of the day. Buying after 3 o'clock is calculated according to the net value of T+ 1. In fact, I don't know what the price is when I buy a fund, and I need to wait for the fund company to announce the net value of the day.
What is the fund purchase process?
The fund purchase process is as follows:
1. Choose the platform to buy: There are many sales channels for funds, such as fund companies, banks and third-party consignment companies. Here, you can choose the third-party loan website. The variety of funds is relatively complete, and the rate is favorable.
2. Choose a fund: The higher the risk, the higher the expected rate of return. Investors need to choose funds according to their risk tolerance.
3. Opening an account: you need to open an account to buy a fund in a fund company or bank, but you don't need to open an account to buy a fund in Alipay, JD Finance and other three platforms.
4. Purchase fund: You can choose to purchase a single fund or choose a fixed investment. The advantage of fixed investment is that it can spread costs and risks equally.
What time of day is the right time to buy a fund?
The best buying time of this fund is around 14: 45- 15: 00 pm. There is a big difference between buying before three and buying after three. The fund implements T+ 1 transaction. Three points is a demarcation point of fund trading.
Buying before three o'clock is calculated according to the net value of the day, and buying after three o'clock is equivalent to buying funds the next day, which is calculated according to the net value of the next day. If it is Friday or the day before a legal holiday, it will be calculated according to the net value of next Monday or the next working day.
Personal opinion is for reference only: if you want to buy a fund, you'd better buy it before 3 pm. It is more appropriate to buy funds at 14: 30- 15: 00 in the afternoon. Because the fund transactions before three o'clock are calculated according to the net value at the close of the day. Moreover, this period of time is approaching the close, and it is basically possible to determine whether the valuation of the fund will rise or fall that day. Investors can better determine whether to buy or wait and see.
When should the fund start?
In the fund market, investors can combine the following factors to find opportunities to buy funds:
1, fund theme trend
The trend of fund net value is influenced by the theme of the fund, that is, if the theme of the fund rises, the fund will rise. Conversely, when the theme of the fund falls, the fund will also fall. Therefore, investors can consider buying some when the fund theme ends the downward trend and starts the upward trend.
2. Market situation
The trend of the fund will also be affected by market conditions. If the market is not good, the fund will fall, otherwise, the fund will rise. Therefore, investors can consider buying some funds when the market conditions improve.
Step 3 evaluate
High-valued funds have big bubbles and big risks, while low-valued funds have relatively small risks and great growth potential in the later period. Therefore, investors can consider buying when the fund valuation is low.
When is the best time to buy and sell funds?
Because most fund products are net worth, and the income of net worth products depends on the rise and fall of net worth, it is natural for most funds to buy at the lowest point and sell at the highest point.
But the question is, how can we find the lowest point and the highest point?
In practice, it is almost impossible to find the lowest point and highest point of the fund accurately, and even how to define the highest point and lowest point is a problem.
For example, should the highs and lows of each stage be regarded as the highest and lowest, or should all historical data be put together to judge the highest and lowest?
If only for each stage, how long is this stage? 1 week, a month or a year? If all the data are taken into account, as long as the fund is still there, there may be higher or lower prices in the future, and there will never be the highest and lowest prices.
Therefore, in practice, it is feasible to grasp the high and low points of the stage, but a relatively fixed stage must be set, and only a high and low area can be sought, rather than an accurate high and low price.
In addition, how long to choose as a stage is also very particular. On the one hand, it depends on the investor's own style. For example, the investment style is long-term, and the period of a stage can be longer. If it is short-term, the opposite is true.
On the other hand, we should also consider the difficulty of judging the high and low areas at different stages. Comparatively speaking, the shorter the selection cycle, the more difficult it is to judge the high and low regions of the fund. If you have no confidence in judging the short-term high and low regions of the fund, you'd better choose a longer period.