There are many kinds of funds, and buying different funds has different effects on us. So what kind of fund is more profitable? Let's take a look at the fund positions brought by Bian Xiao! I hope it will help everyone!
How does the fund's position help?
The position of a fund refers to the proportion of investment targets (such as stocks and bonds) held by the fund to the net asset value of the fund. Positions are usually expressed as a percentage, reflecting the proportion of funds allocated by the fund to different investment targets.
The fund's position helps investors in the following ways:
Risk control: Positions reflect the allocation ratio of funds in different assets, which can help investors understand the risk exposure of funds to different asset classes. Diversified positions can reduce the risk of the overall portfolio to a certain extent and reduce the impact of single asset fluctuation on investors.
Income potential: the fund's position determines its investment scale in different assets. When the fund increases its position on an asset, it means that the fund is more optimistic about the asset. If the assets perform well, the fund may get higher returns.
Flexible adjustment: the position of the fund can be adjusted to adapt to the changes in the market and the adjustment of investment strategy. Fund managers can flexibly adjust fund positions according to changes in market conditions and investment strategies in order to obtain better returns and risk control.
Investment transparency: The announcement of positions helps investors to understand the investment portfolio and risk distribution of funds, so that investors can better measure risks and benefits and make corresponding investment decisions.
What do I need to bring to buy a fund?
Securities account: investors usually need to open securities accounts in securities companies or fund companies for fund trading and holding fund shares.
Online trading platform: the subscription, redemption and conversion of funds can be completed through the online trading platform provided by brokers or the fund company official website.
Fund sales organization: Funds can be purchased through fund sales organizations (such as banks, securities companies and fund sales organizations). Investors can directly contact the sales organization or make purchases through its sales channels.
What kind of fund is more profitable to buy?
Money funds and bond funds are low-risk fund products, that is, compared with other fund varieties, although the expected returns may not be so high, they are relatively stable, and the possibility of losses is relatively small, which are basically positive returns.
Both hybrid funds and equity funds are highly volatile funds, so their investment risks are far greater than those of monetary funds and bond funds, but their expected returns can also be higher, that is, if investors buy funds with the same funds, hybrid funds and equity funds can get greater returns and may suffer greater losses.
No matter what wealth management products, risks and benefits are directly proportional. Therefore, generally speaking, if you want to buy a fund with relatively high returns, you must bear certain investment risks. It is suggested that investors should not only pay attention to their income, but also pay attention to their risks.
How does the fund calculate the income?
Fund income = (current net fund value-net fund value at the time of purchase) _ _ Fund share handling fee.
For example:
Assuming that the net value of an investor when purchasing a fund is 1.45, the current net value of the fund is 1.56, and the fund shares held are 1.000, without calculating the income, it can be calculated that the income that the investor can obtain is: (1.56-/kloc-0.
What investors need to be reminded here is that the income of the fund does not need to be calculated manually. Investors can check the holding income and accumulated income through the fund trading software. If investors still hold some funds, the holding income and accumulated income need to be deducted from the handling fee incurred when redeeming these funds.
Method of fund covering position
Prepare for 1-2 years for each replenishment. The next step is how to make a plan to cover the position.
You can add positions in a fixed proportion and strictly enforce discipline. Or according to the pyramid method, when the fund falls, with the decline of the net value, the position of each additional position is gradually increased, thus reducing the average investment cost.
For example, if the current net value of Fund A is 1.2 yuan, and the range of increasing positions we set is lightening positions 10%, then we will increase positions 1 1,000 yuan; When the net value drops by 20% to 0.96 yuan, add another 2,000 yuan; If the market outlook continues to fall, then add 3000 yuan until the net value rises.
With the decline of net worth, this method is a test for investors' cash flow. If the cash flow is sufficient, the cost of holding positions can be minimized.