As a high-yield wealth management product, funds are loved by many investors, but many novices often fail to buy funds for the first time. The following is an analysis of the skills and precautions for beginners to buy funds prepared by Bian Xiao, hoping to help you!
What are the skills of the fund's fixed investment?
1 Select the fixed investment target: The foundation for the fund to make money by fixed investment is based on a good fund. For us, choosing a good fund product is the most important thing. We need to screen and compare the historical performance, maximum retracement, position distribution, investment style, fund manager and other information of the fund to ensure that there is no problem with the fund.
2 determine the fixed investment cycle: for the fixed investment cycle, there are often daily fixed investment, weekly fixed investment, monthly fixed investment and irregular fixed investment. According to statistics, no matter how the market changes, the yield curves of daily fixed investment, weekly fixed investment and monthly fixed investment are almost similar, with little difference in income, and there will be no situation that the higher the frequency of fixed investment, the higher the income. Among them, the monthly fixed investment time is very suitable for the second or third day after the salary is paid, because it can help us to save forcibly and is suitable for friends who have weak self-control and like to spend.
Fixed-time investment refers to investors who choose to buy in the falling market instead of setting a fixed time, which is more suitable for investors who have a better understanding of the fund, have certain research, can pay attention to its market every day, and have certain time and energy.
3 Fixed investment amount: Assuming that the fixed investment period has been determined, the fixed investment amount must be fixed or not. The amount is easy to understand, that is, every investment is the same amount. If it is not fixed, you can increase the investment ratio when the market goes down and reduce the investment amount when the market goes up.
4 save the cost of fixed investment: if we can save more costs in the investment process, it is equivalent to an increase in our rate of return. Here, the transaction costs of the fund are reduced as much as possible, such as redemption fees, sales service fees, and trading commissions of the on-site funds. In addition, the correct choice of fund dividend method is also a skill to make our long-term income rise. Cash dividends can make us feel safe, which not only makes the floating surplus become real money, but also saves our redemption fee. If it is dividend reinvestment, then we can increase the fund share.
Although the dividend of the fund will be ex-dividend, that is, putting the money in the left pocket in the right pocket will not increase our income immediately, but the dividend will be made up after ex-dividend. As long as dividends are stable for a long time, the price drop caused by ex-dividend will be compensated, so it is a long-term positive for us.
5 Take profit in time: It is necessary to know that although the fixed investment of the fund is a long-term investment, there is also a time limit. We must learn to make a profit in the right position. Generally speaking, bull market and bear market are the best nodes for a long investment cycle, especially the China stock market is still in a short-term state, so it is necessary to find the right time to take profits when the bull market comes.
Buying fund skills
There are certain risks in buying funds through financial management, but there are many types of funds, and different types of funds face different risks after purchase. When purchasing a fund, users can choose the type of fund according to their risk-taking ability, such as common fund types: money fund, bond fund, mixed fund and stock fund.
The greater the risk users face when buying a fund, the more income the fund will get later. However, venture funds may lose their principal. It is best for users to use their own spare money to buy funds, so as not to affect their normal lives after losses, and they can't borrow money to buy funds.
Users generally choose positions with low net fund value when buying funds, so that they can get good returns after the net fund value rises in the later period. If you buy in a position with high fund net value, there will be losses after the subsequent fund net value falls. In order to avoid this situation, you should check the recent trend of the fund before buying.
When users invest in funds, it is best to use the method of fixed investment. Investing in the fund in this way can effectively reduce the holding cost of the fund, and users can get good returns after the fund rises. However, it takes a long time to buy funds with funds, and it is difficult to make profits in the short term.
Users can choose different channels when purchasing funds, such as banks, fund companies and third-party platforms. Users can choose the purchase channel according to their actual situation. When choosing a fund, you will generally choose a fund that has been listed for a long time. Such a fund has been running for several years, and investors can check the past performance.
How to buy funds
(1) Confirm the platform purchase.
At present, there are many channels for fund sales, including fund companies, banks and third-party fund consignment companies. Among them, the bank rate is high and the fund company has little funds, so the individual recommends the website of the third party organization, which has comprehensive funds and low rates.
(2) Choose a fund
Confirm the fund type: how should a novice choose a fund for various funds? First, you need to confirm your risk tolerance and financial objectives, and then determine the type of fund to invest in. The risk is arranged from high to low, and there are the following types of funds: stock funds, balanced funds (stocks and bonds), bond funds and monetary funds. Of course, the more risky the fund type, the higher the income may be.
(3) Opening an account
There are three places to open an account at present:
Bank/online banking: You can use your ID card to buy all the funds sold by this bank.
Agent: You can register your account on the website of a third-party agent, and then bind your bank card, so that you can buy most funds on the market.
Fund companies: relatively limited. A fund company can only open one account, and can purchase all the funds under the fund company.
(4) Methods for purchasing funds and confirming investments.
Generally speaking, it can be divided into single investment and fixed investment. The advantage of fixed investment is that for high-risk funds, regular fixed investment can reduce risks and be more secure.
How does the fund invest?
First of all, know your own risk situation.
First of all, you should know your financial situation, job stability, income, investment experience, personal health and so on. Only when you have a clear understanding and judgment of your current situation can you decide whether you have the ability to bear the risks that may occur in future investment.
Second, choose a fund
Before choosing a fund, Jimin needs to pay special attention to the overall performance of the fund company, not just the performance of one of its funds. Only when the overall performance is excellent can the management ability of the investment team be proved.
Second, look at the team stability of fund companies. Fund performance mainly depends on the ability of the investment team of the fund company. A stable investment team is an important consideration for investors to choose funds. If a company has frequent talent flow and fund managers change jobs frequently, it may mean that the internal management and governance structure of the team is not perfect, which will bring uncertainty to the sustained growth of future performance.
Third, looking at the sustainability of fund performance, the word "stability" should be emphasized in fund investment, and the fund performance with steady growth in returns is more worthy of investors' ownership than the fund performance with ups and downs.
What does it mean for the fund to continue to fall?
The continuous decline of the fund means that the target of fund investment has been falling. When buying a fund, if the fund continues to fall and has no ability to take risks, it is generally recommended to stop loss and redeem it in time.
If you have the ability to take risks, the fund itself is fine, but the market is affected and the market is not good for the time being. You can also wait for the opportunity, or redeem a part, and leave a part to see how the fund market is behind, and then decide whether to redeem or hold it.
Generally speaking, there are ups and downs and fluctuations in funds. And when the market of some funds is not good, there will be a continuous year of decline. This decline means that the whole fund will fall, not every day, but only a little more. If you choose a bad fund, the loss of the fund will be more serious. Therefore, when you buy badly, don't be reluctant. It is also important to stop loss in time.
When choosing a fund, you must choose a good fund to hold for a long time, such as referring to past performance, fund manager, fund size and other aspects of analysis, and then analyze whether to buy according to your risk tolerance.
When buying, you can also consider buying in batches with fixed investment to reduce the risk, because when buying a fund, you can't judge whether it is high or status, and the fixed investment can be shared equally.