1. Look at the locking degree of fund products.
Although they are the same type of funds, investors choose different time points and the degree of locking is the same. It is more important to calculate the cost of locking in detail. Costs include capital cost, time cost and opportunity cost.
2. Select the fund product type.
There are many kinds of funds, including stock funds and bond funds. The characteristics of risk expectation and annualized expected return of different types of fund products are different. When investors choose fund products for redemption, they must adopt different redemption methods according to different types of funds.
3. Look at the investment after redemption.
For investors, different capital needs have different requirements for redemption. Especially for long-term investment funds, it is necessary to consider stock funds and index funds with relatively large net value fluctuations. For short-term investment funds, it is necessary to consider redeeming fund products with strong liquidity and stable expected annualized income, such as bond money market funds.
4. Look at the impact of fund product lock-in on fund portfolio.
When different investors choose investment fund products, the types of fund product portfolio are different. Due to the different proportion of locked-in funds in the fund product portfolio, investors should also choose different redemption methods when dealing with locked-in funds.
5. Basic level of the fund.
Different fund products are locked in different situations. There are not only the reasons for investors' investment opportunity, that is, the bad market environment, but also other reasons, such as the change of fund managers, the change of fund portfolio, especially the change of investment style, or the loopholes and problems in fund management. These unfavorable factors will cause poor performance of fund products and lead to lock-in, which requires investors' attention.
6. Look at the operating cycle of fund products.
This is easily overlooked by investors when redeeming fund products. Newly issued fund products will have a closed period, during which they cannot be redeemed. This is a mandatory requirement of the capital operation system. Similarly, for principal guaranteed fund products, there are also requirements and regulations on the guarantee period, that is, investors who buy back funds during the guarantee period will not be able to enjoy preferential rates and will not be able to protect their capital.
The style of the fund also needs a good inventory. Fund styles vary greatly. Some funds are radical in style and operate at high positions, which can achieve better expected annualized expected return performance in a bull market, but once they enter a bear market, the radical style will often bring greater losses to investors. Some funds have a sound style, and the bull market may not be able to run to the forefront. The ability to control risks in a bear market has greatly reduced the losses of investors.
After the inventory, we should consider whether to change varieties. There are two options for variety exchange, and the priority is to switch to the star fund of the same company, which can reduce the subscription and redemption costs of fund exchange. If the fund company as a whole has changed, or the overall performance is poor, it is necessary to switch to the fund with better performance among all funds.
The net value of the fund will not remain unchanged forever. When investing in fund products, investors should look at the future performance of the fund from a dynamic perspective, not only to see the joy brought by the growth of the fund's net value, but also to bear the investment pressure brought by the fund lock-in. In particular, the investment losses caused by fund locking. Therefore, looking at the growth of the fund from a development perspective is helpful to cultivate investors' good investment ideas, so as to invest calmly.