In fact, if we can persist in a bull-bear market, the fund will make money with a high probability, but the annualized rate of return of 3% is to make money, and the annualized rate of return of 15% is also to make money. Different fund investment attitudes will bring completely different returns.
The correct investment attitude of the fund is mainly reflected in two points: first, seize the opportunity to enter the market; Second, choose a fund with stronger earning power.
The choice of time determines whether you lose at the starting line.
Let me give two examples:
Take the well-known Shanghai and Shenzhen 300 as an example. If you enter the market at the end of the bull market in June, 2065438+2005, it is assumed that you will make a fixed investment of 1000 yuan per month. By 2065438+March 2009, nearly four years have passed, and the return rate of fixed investment is 12. 10%, with an average of about 3% per year.
In fact, due to the fixed investment every month, the actual occupation time of all the invested funds is only about half, and the actually calculated annualized rate of return should be around 6%.
However, if the Shanghai Stock Exchange index falls to 2900 points on October 5, 20 16, the return rate in about three years is 12.74%, the average annual return is about 4%, and the actual annualized return rate is about 8%, which is higher than the previous bull market.
Therefore, the timing of fixed investment is very important. If you can seize the opportunity to enter the stadium, you will have won at the starting line.
In addition, the earning power of different funds varies greatly.
If you can choose an index fund with stronger earning power, even if you enter the market at the same time, the income gap may be huge according to the same fixed investment operation.
For example, the main consumer ETF connection fund of CSI chooses to make a fixed investment in the vegetable index fund portfolio, and it also entered the market at the beginning of 20 16, with a fixed investment of 1000 yuan per month. As of March, 20 19, the yield of fixed investment is 38.84%, which is three times that of Shanghai and Shenzhen 300, and the average annual income is about 12%.
Therefore, even if you enter the market at the same time, if you choose an index fund with stronger long-term earning power, the income will definitely crush ordinary index funds such as Shanghai and Shenzhen 300.
All in all, if the fund wants to make money, it must first grasp the opportunity of admission. Of course, the timing of admission cannot be judged simply and rudely by scores.
In order to truly grasp the best entry opportunity of index funds, the most important thing is to consider the valuation index and the historical profitability of the index, and combine them to judge the entry opportunity more accurately.
Second, we must choose the right fund.
When choosing index funds, optimizing comprehensive index and industry index can increase the income of fixed investment more significantly.
For example, the constituent stocks of the CSI Dividend Index and the Shenzhen Fundamental 60 Index are basically from the Shanghai and Shenzhen 300, but the long-term returns are much higher than the Shanghai and Shenzhen 300.
If you step on the right time to enter the market and choose the right fund, it is only a matter of time before you make money.
If the operation is done properly, the probability that the fund will make money by fixed investment is basically close to 100%, and there is no pressure for the annualized income to exceed 10%.
And if you have been losing money, it is necessary to reflect on whether your admission time is wrong, or whether there is any problem with your own fund!