To tell the truth, the fund on Alipay is not a lie, it is really cutting leeks.
Because a tripartite fund platform like Alipay sells fund products on a commission basis, it is definitely hoped that the fund products will sell better, so what I recommend to you is that they have risen well in the past. This leads to the fact that when you are recommended to buy, almost when you rise to the highest level, there is a high probability that you will face a decline.
Even if the recommended fund is really a good fund, it will be scared if you buy it, and it will still become a leek after you can't hold it.
Many people don't know how to choose a fund. In order to keep everyone from being cheated, as an experienced person, I will give you three suggestions that I have summarized for many years:
First, buying a fund is buying a fund manager. Even funds in the same industry will have much worse returns in the hands of different fund managers.
There are *** 1524 stock fund managers in Public Offering of Fund, and most of them have positive returns, but there are still 54 who have been losing money in their careers.
A good fund manager is a god-like teammate, but if he encounters something bad, he will still lose ten years.
The 12 person I introduced below can be said to be a big boss:
Among the fund managers with positive returns of 1470, 599 have an average annualized rate of return exceeding 15%. These 599 fund managers whose annualized rate of return exceeds 15%. We extended the time to 10 years, and finally there were 12 people left, all of whom were veterans. Everyone likes those who emphasize long-term stable income.
Let's take a look at the top ten:
Take Zhu Shaoxing as an example. Anyone who knows a little about the stock market and funds knows him.
Zhu Shaoxing was born in 1973, deputy general manager of Guo Fu Fund, general manager of equity investment department and manager of Guo Fu Tianhui Fund.
He is most famous for devoting himself to a fund on 14, and experienced two rounds of bull and bear, during which he experienced such big stock market crashes as 2008 and 20 15. Today, his cumulative income is 1930.63%, and the average annualized rate of return of 14 is 22.5%.
The fund under his command, except for the similar ranking (year) of 20 16 and 20 1 1, has increased by 80% every year since the establishment of 10. If investors have been holding the fund since its establishment, its assets have increased by about 7 times in the past 10 years, easily outperforming the market index by more than 50%.
However, Zhu Daxie also said that if he bought his fund at the end of the bull market, it may take a year or two for the market to fall back.
Second, buying a fund is to buy a popular fund industry sector in the industry, including securities, medical care, liquor consumption, technology and so on. The military industry and non-ferrous metals are unpopular sectors, and the hot sectors rise and fall frequently, but when the market is good, it may continue to rise for a long time. For example, medical care rose by nearly 100% in the first half of the year, but began to fluctuate in the second half.
Therefore, like this year's champion fund selection has almost begun, most of the funds currently in the leading position are industry theme funds such as new energy and photovoltaics, replacing the "big screen" medical theme fund in the first half of the year.
Third, I want to be lazy and buy index funds. My understanding is that the fund is actually a wealth management portfolio. Fund managers choose stocks and bonds that feel good in the market to invest together to help you make money. Index funds, such as the Shanghai and Shenzhen 300 Index, choose the top 300 stocks in the market to invest. Even if it goes up and down for a month or two, it will basically not lose money for a long time.