In recent years, with the continuous warming of the market, the heat of fund investment is unprecedented. Since 202 1, the word "fund" has even been on the hot search list many times. Evaluating a fund is like evaluating a person. Investors need to analyze from multiple dimensions, not just listen to one side of the story. The following is what Bian Xiao collected for everyone about the comprehensive understanding and selection of funds. I hope I can help you.
Understand and choose funds in all directions.
1 Name and code of the fund. Any fund has its own name and code. The same fund can be divided into Class A funds and Class C funds. Different fund codes have different charging methods.
2 Classification of funds. Common types of funds are: stock funds, hybrid funds, bond funds, monetary funds, index funds, QDII funds and so on. Different types of funds have different investment targets and styles, and their risks and returns are also very different.
3. The sales period and ending time of the Fund. The newly issued fund has a sales period, and investors need to subscribe during the sales period. For those "star funds", we often need to "snap up" on the first day of the fund sales period. When the fund's sales period ends, it will officially enter the closed period. During this period, the fund will start to open positions, and investors will not be free to purchase and redeem. The closing time of different funds is different, generally about one month, and the longest time will not exceed three months.
4 whether to place shares. Often in the sales of some "star funds", there is the possibility of placing. Generally speaking, placing refers to placing funds to investors in a certain proportion when the fund sales are too hot and exceed a certain amount. For example, the proportion of funds invested is 40%. When investors subscribed for 654.38 million yuan, only 40,000 yuan was actually confirmed.
5 the ability of fund managers. Including the educational background, work experience and past performance of the fund manager, especially the performance of the fund managed by the fund manager in the bear market.
6 the strength of the fund company. In the same way, we also need to know something about fund companies, including the establishment time of fund companies, the scale of assets under management, the number of funds issued, and the company rating. Especially the stability of fund managers of fund companies.
7 Fund expenditure. Fund fees generally include subscription fees, subscription fees and redemption fees. For Class C funds, it also includes sales service fees. Generally speaking, various expenses are affected by the holding time of the fund and the subscription/subscription amount. The fees charged by different platforms and different funds are different and need to be fully understood and compared.
What does Xiaobai need to pay attention to when doing fund investment?
1 Reduce profit expectations. Many financial novices are attracted by the fund's rate of return, because they have read too many stories about how much money people around them have made by buying funds, so they can't help but want to start buying funds and then make a fortune. However, in actual investment, if investors enter the market when the market is hot, how to go in the market outlook is uncertain, so whether the income can meet the expectations needs to be treated rationally. What you get may be different from what you originally imagined. You must set your income expectation within a reasonable range. For beginners, you must reduce your income expectations as much as possible.
2 Understand the importance of risk. For beginners, it is important to be steady at the beginning. They also need to have a reasonable understanding of their risk tolerance according to their investment period, risk tolerance, investable funds and overall family debt. On the basis of understanding their own situation, they will analyze the fund and learn all kinds of information, historical performance, fund manager's performance, fund manager's investment style, fund risk control and so on.
3 Pay attention to the market cycle. Pay attention to the market cycle instead of predicting it. It is very dangerous to use today's events to predict the future. Financial markets have cycles. Economics divides the cycle of the real economy into: recovery-prosperity-recession-depression, and the financial bubble can also be divided into four main stages, namely, hidden period, awakening period, fanaticism period and collapse period. What you have to do is to realize which stage of the market cycle you are in and make corresponding countermeasures, instead of predicting the future.
What kind of person is suitable for investment fund financing is a very common thing, in fact, very knowledgeable. If you want to manage your money, you should weigh and choose the right product from your age and income, the risks you can bear and the expected benefits. There are many types of funds, and the different characteristics of different varieties can be suitable for different investors to manage their finances.
Who are suitable for investment funds?
1 The money in the investment fund must be money that will not affect daily life. Because only in this way can I hold a fund for a long time. I won't be scared when I fall sharply, but I missed the opportunity for the fund to rise sharply.
2 Not greedy, especially many people don't understand that the fund will want to buy when it sees a fund that has been rising wildly recently. But in fact, buying at a high point and selling at a low point is too risky.