The first pit is to buy new funds as new shares.
Investors with experience in stock trading know that in the new A-share market, winning lots of new shares means stable profits. When the market is good, it is normal to turn it over several times. It is a happy thing to win the lottery for new shares. Some investors who have just transferred from the stock market to the fund market think that subscribing for new funds is the same as playing new shares, and that it is a steady profit without loss, and buying it means making a profit. The two are different. New shares can be purchased with closed eyes, and they can be purchased when they are issued. But the new fund is different and needs to be chosen well. Part of the funds raised by the fund are used to invest in the stock market. The new funds are invested in the old stocks that have been listed, and the income of the funds depends on the price growth of these stocks. The logic of making money from new funds has little to do with the price of new funds.
The second pit, praise the new fund and dislike the old fund.
Many people think that the old funds have been issued for a long time, and some of them have risen to 56 yuan, which is more than enough, and there will be no greater rising potential. If it doesn't go up, it won't go up, and the new fund will be different. Its net value is only one yuan, which has more room for growth than the old fund.
This idea is naturally wrong. First of all, the rise of the fund is not online, and the value of the fund has nothing to do with the level of net worth. It's just that most domestic fund investors suffer from acrophobia. The domestic fund market has not developed for a long time, and the net value of most funds is not high, so some people think that the net value of 56 yuan is already relatively high, but for relatively mature foreign markets, the net value of funds of several tens of dollars is very common. The income of the fund is relative income. The price at the time of selling MINUS the cost and multiplied by the share is the income you get. The income of the fund depends on the income of the varieties invested. For example, the income of stock funds depends on the profit of the stocks invested. And compared with the old fund, the opening period of the new fund is about 3 months. In the initial stage, the stock position of the new fund will be relatively low. In a good market environment, the new fund will not rise like the old fund.
In the third pit, the fund manager who rises much will choose.
It is unwise to chase fund managers only from the increase in performance. The performance of fund managers is not only related to personal ability and research team, but also related to market and sector hotspots. Fund investment is a long-term thing. If a fund only breaks out in a short time, it is definitely not our choice goal. While paying attention to returns, we should pay more attention to risks. When choosing a fund manager, we should pay special attention to the performance of the historical maximum withdrawal rate of the fund he manages. Don't look at how fast he runs when the market is good, but look at whether the performance retreat is small enough when the market is bad, so as to get the highest income.
The above are some misunderstandings about new fund investment. I hope it will help you and avoid digging holes.