Hybrid funds will adjust their varieties and positions according to the market in operation, but whether they can make money depends on the spread space of their own trading funds. So holding or not selling doesn't mean making money.
How much money to sell to the account is the result of multiplying the share at the time of selling by the net value of the unit and deducting the handling fee.
The formula is as follows:
Amount received = share at the time of sale x net settlement value of the day-handling fee
In other words, as long as you don't sell it, you can't really make money or really lose money. Because positions will fluctuate with the market.
People who invest in funds generally have expectations for returns. After all, in the case of limited principal, it is particularly important to improve the liquidity of funds and expand the scale. Therefore, decide whether to stop profit and sell according to your own situation.
As for when to sell, you can refer to a video I sent on July 23, 2020, and three questions to consider when to sell.
The misunderstanding of some investors buying funds 1: holding after buying is investment.
The purpose of investment is to make money, so in the world of investment, what you have to do is to observe the changes of environment and situation at any time, make judgments according to the situation, and then buy and sell.
Myth 2: buying a fund is to let the fund company earn a fee for nothing. You might as well buy your own stocks.
Speculation in the stock market is becoming more and more difficult to operate as the market matures. The capital operation and operation strategies of major investment institutions in the market have gradually tightened the profit space of retail investors. Choosing a fund company's products is to hand over professional things to professional people on a voluntary basis. If you don't trust the fund company, you can choose your favorite investment method.
Myth 3: buying a fund is a compound interest model.
Except for the money fund, the profit models of other funds need to be self-financing. The compound interest model is just a concept. Unless the previously profitable part is reinvested in the original fund and the rolling transaction is continued in combination with the market ups and downs, there will be a compound interest effect.
Myth 4: As long as you hold it for a long time, you can make a profit.
Not necessarily! Investment funds are not profitable for a long time. Some investors who bought funds at the highest level in history in 2008 are still losing money today. Therefore, if you want to make a profit, you need to use some operational means in the process of investment, reduce investment risks, and operate in appropriate bands. But don't play short-term, it is energy-consuming and unsustainable.
Of course, there are still many misunderstandings, so I won't list them one by one.
How does the fund make money? Fund companies raise funds for the public, pool the funds together to form products, and use the funds under the product scale to invest in domestic and foreign stock markets, bond markets, money markets and other investable varieties.
Simply put, it is to manage money on behalf of customers and help retail investors buy and sell various financial products. For example: stocks, bonds, funds, investment products in overseas markets, etc.
The income sources of fund companies are mainly as follows, and the specific charging standards vary according to different funds:
In addition, some friends cut meat and sell funds at a loss, which also creates some profit space for fund companies.
Therefore, when the performance of fund companies is good and retail investors can see the benefits, they are willing to continue to invest in funds, otherwise they will withdraw their funds.
This means that if fund companies want to continue to extract various expenses to maintain income, they must do a good job and help retail investors make money.
How do retail investors make money through funds? There are two main ways for retail investors to make money through funds:
If you don't take the initiative to make a profit, you have to wait for the dividend, but if you can't wait for the dividend, the fund will start to lose money by buying and selling stocks and other products, and your funds will be negative. It is unknown when you can make a profit.
To sum up, hybrid funds can be held all the time, but there is no necessary connection between the income and this mode of operation. Investors can make decisions according to their own actual situation. Investment is risky, so choose carefully.
It is estimated that many people have heard that funds are suitable for long-term holding and should not be bought and sold frequently. There is nothing wrong with this sentence itself, because once people who are used to buying stocks come into contact with fund investment, they will apply short-term operation and day trading to the fund. Because the fund handling fee is relatively expensive, it is not suitable for day trading, so the fund is suitable for long-term holding. But the question is: how long is the long term? Is it one year or five years, or 10 years or more? Some people think that long-term holding means buying a fund. No matter whether it goes up or down, holding 10 for more than a year can make money steadily. In fact, this has entered a misunderstanding.
First, long-term holding is not impossible to sell. Many books that encourage people to make fixed investment in funds say: If you make a fixed investment of 65,438+0,000 yuan every month and hold it for more than 65,438+00 years, you will get good returns. This description is really exciting. But few people tell you what it means to hold for a long time. Many people buy foolishly by default and never sell, which is called long-term holding. Considering the actual situation of the market, such an approach is problematic. Take Guo Futian as an example. Since the establishment of 15, it can be seen from the figure that the fund has reached the peak of its net worth three times. If you don't sell at a profit, you will miss a lot of income. The net value of the fund will reach 3.249 from around 1.2, and then fall to 0.6, until the bottom of 0.5730 (of course, the fund will pay dividends many times, resulting in a sharp decline in its net value). If the fund doesn't pay dividends, but the net value fluctuates so much, we will regret it for a long time. Of course, there are many ways to sell. We can choose to sell at one time or make profits in batches.
Second, the cost of holding funds in the short term will be high. There are subscription fees or subscription fees for buying funds, and redemption fees for selling funds. Generally speaking, if it is held for less than 7 days, there will be a punitive redemption fee of 1.5%. If it is held for more than 30 days, the redemption fee will be reduced to 0.5%. The longer it is held, such as more than one year, the lower the redemption rate will be. From this perspective, it is indeed cost-effective to hold funds for a long time. However, for funds with relatively high volatility, or funds suitable for band operation, if we get a certain income, but the market outlook is not good and the risk is too great, there is no need to deliberately hold it for a long time in order to save the handling fee, which will eventually lead to profit taking or even loss of principal. This is not worth the loss.
Therefore, whether the fund is suitable for long-term holding needs specific analysis. Frequent trading is certainly not desirable, but long-term holding of machinery will not make a profit and will also bring us unnecessary losses.