The practical course of fund management teaches you how to buy and sell funds.
First, how much should the novice Xiaobai invest in fund management? I used to have a friend. When I first bought the fund, I didn't spend much money, so I took hundreds of dollars to test the water. It happened that the market was good in those days, and several randomly selected funds all went up, earning nearly 100 yuan at once. Then he gradually drifted away, thinking that fund management was just like that, and increased investment, and bought the fund with thousands of dollars in Yu 'ebao, even with next month's meal money left. As a result, there was no money at the end of the month, and the fund I bought lost money again. I don't want to take it out, even if I don't take it, I can't afford it. After struggling for several days, I finally sold it at the lowest point, crying wildly inside. Oh (╥ ╥) Oh
Although we often say that you can manage money without money, it doesn't mean that you can spend all your living expenses on buying funds. Investment is only part of financial management. You should plan your daily needs first, and then invest and increase the remaining idle funds through fund management. How to do it specifically? We can divide our expenditure into "necessary expenditure" and "unnecessary expenditure" and calculate "income-expenditure" to see how much we need to spend each month. If the "income-expenditure" is negative, we must first find ways to increase revenue and reduce expenditure, and save the first bucket of money management by increasing revenue and reducing expenditure. If "income-expenditure" is positive, you should first save enough contingency funds for "necessary expenditure" for six months, and then use the remaining money for fund management.
Essential knowledge of novice xiaobai entry fund
1, where to buy a fund. There are usually three channels for purchasing funds, namely banks, fund companies and third-party platforms. There are many online stores under the bank, which are introduced by special salesmen, but the subscription fee is high, generally there is no discount, and sometimes the procedures are complicated, which is more suitable for some elderly investors who are not good at using electronic products such as mobile phones and computers. Fund companies update their net value in time every day, and the rates are generally low, but they only sell their own products and have fewer choices. The third-party platform is also the so-called fund consignment platform. Just like a big supermarket, the products of various fund companies are put on the shelves, and the rate is generally 1. At present, the common third-party platforms are Tian Tian Fund, Alipay and Tencent Wealth Management.
2. What are the types of funds? According to the investment direction, funds can be divided into money funds, bond funds, hybrid funds and stock funds, among which hybrid funds and stock funds are active funds, and what to buy is decided by the fund manager. Corresponding to active funds are passive funds, which are commonly referred to as index funds, including broad-based index (not specifically buying a certain industry) and narrow-based index (industry index). The money fund Yu 'ebao is a kind of money fund, with almost no risk, annualized income of 1~3% and good flexibility. Most of the funds of bond funds (more than 80%) are invested in bond funds, which are divided into primary bond funds, secondary bond funds and convertible bond funds, belonging to medium and low risks. 80% of the funds of stock funds are invested in stocks, and the returns and risks are the highest among all kinds of funds. The proportion of hybrid funds investing in stocks and bonds is flexible, ranging from 0 to 95%. Index funds choose N representative stocks in different markets and weave them into an index, which is equivalent to investing in all the stocks contained in these indexes. Common ones are CSI 300, CSI 500 and SSE 50.
If you are a novice, you can start with bond funds and index funds, first use a small amount of money to feel the market, constantly adjust your strategy in practice, and find a suitable investment method step by step. If you feel that this income is not enough, or you want to make money quickly, it is recommended to study hard with the teacher first, and don't let the tide recede. Only you are swimming naked. I don't know, you said that if it can go up tomorrow, it will definitely go up? You said that if you can fall tomorrow, you will definitely fall? How can a hasty investment succeed? Excessive persistence in timing often leads to the misunderstanding of chasing up and killing down. For small white novice, the best way may be to invest in funds. The so-called fixed investment means choosing a fixed time, setting a fixed amount and investing in a fixed fund product, such as investing in a designated open-end fund with a fixed amount (such as 100 yuan) every Thursday. The fixed investment of the fund weakens the timing, and buying in batches can better spread the risk in the time dimension. With the magic weapon of fixed investment, you don't have to worry about buying it at the top of the mountain. The operation of fixed investment is also quite simple. Find the fixed investment at the bottom of the fund details page, set the fixed investment amount, payment method and fixed investment period, choose whether to enable smart fixed investment, and then click OK.
I believe many friends have heard that "eggs can't be put in the same basket".
Then some friends who realized the importance of diversification bought many different funds and diversified their investments, but failed to diversify their risks.
For example, if you buy five funds in the liquor sector with 1 0,000 yuan, you may not be able to really spread the risk because the investment scope is too high. Once the industry turns or the style changes, the assets in your hand are likely to be "one pot".
Here's a small way to diagnose the similarity of funds-
You can compare the similarity of stocks held by the selected funds by creating a fund portfolio and importing funds. If the similarity is ≥50, it means that most of the stocks held by the selected funds are the same, so it is good to choose the best data index.