In the past year, more than 50 funds have increased by more than 100%. Investment funds can easily double our assets. Many people have moved the idea of buying funds, hoping to embark on the freedom of wealth However, more than 500 funds suffered losses in the same year. How to choose a good fund, wants to learn financial management to buy a fund, but I don’t know what kind of fund to buy. Take the following steps to avoid junk funds, and don’t worry about financial management.
Fund rankings-data comes from Tiantian Fund Network
Step 1: Risk assessment, 5 stars
The first step is very important, this is the starting point for your fund selection It is also the most important basis for your final evaluation of the fund you have selected. Investment must be risky, so don't blindly look for high-yield funds. High-yield must be high-risk. The best for you is the best. Although going away with high passion, but often the harvest is likely to be infinite loneliness.
Step 2: Select a fund company, 3 stars in importance
Large fund companies are big because of market recognition. Large companies are not comparable to small fund companies in terms of reputation, risk resistance, and research capabilities. Moreover, large fund companies also have their own advantages in retaining star fund managers. Fund companies sometimes push their star fund managers hard, and good resources are given to star fund managers. There will be multiple guarantees. If the fund manager you choose is the star fund manager of the company, it can be said that the star fund manager opened the way before, and the fund company will do the backing. . And this is also a benefit that small fund companies can't give.
Step 3: Select a fund manager,Importance 5 stars
Investment is a long game process. Compared with the choice of fund company, the choice of fund manager is the most important. Many funds seem to be gaining momentum. In fact, it may be the credit of their predecessors, or it may be that they "just" conform to the market in a short period of time. If the market turns, it is likely to fail to catch up with the market. This is also the reason why we often encounter drops as soon as we buy.
After knowing so much, how do we choose?
1: First, make a good assessment of your own risk tolerance:
1. Can't bear the loss?
Forget it, you should not come to the capital market;
2. Can tolerate a little loss, after all, investment must be risky.
recommends that you buy bonds or currency funds. Such funds do not have very high returns, but are often very stable. Yu'e Bao is a typical currency fund (Yue Bao is connected to Tianhong Fund 's Yu'e Bao currency Funds are characterized by easy operation, low thresholds, zero handling fees, and can be used on demand.) The return is higher than the fixed deposit, but there is no unexpected large increase.
3. The 30% loss is within my capacity, but I expect a big gain?
The stock market is changing rapidly, and when the market is bad, 30% of the real loss in buying stocks seems to be a matter of days, so you need to allocate a little bond or currency appropriately. Hybrid funds are very suitable for you. Hybrid funds are funds that buy stocks, bonds, currencies and other valuable assets at the same time.It is intended to balance offense and defense, to be able to obtain more returns than bond funds, and to prevent a sharp decline caused by a bad market. Partial stock hybrid funds, as the name implies, the investment direction is to buy more stocks, the natural risk is greater, and the expected return can be more. For those with partial debt, the fund will buy fewer stocks, which reduces the risk while also lowering the expected return. Hybrid funds are the mainstream in the current market and tend to have good returns.
4. I can tolerate large losses, and I don’t expect high returns. If the stock market is good, I’ll be fine. Expect an average return, right?
No problem at all, ETF funds satisfy you. If you don't know anything about stocks and just pursue the average return of the stock market, you can choose the SSE 50ETF, SZSE 50ETF, etc. The average return of the market is already in your arms. Of course, you will suffer as the market declines. If you have a little understanding of stocks, and you have a mind to judge the general economic trend and can see the focus and direction of the country’s future development, then you can also buy some industry ETFs, such as liquor ETF, pharmaceutical ETF, and new energy ETF. , Gold ETF, etc. It mainly follows the rise and fall of the industry, and reflects the rise and fall of the market with the rise and fall of the industry. Your judgment is correct, and the market reflects your judgment. Congratulations, you may soon be rich. No judgment? I'm sorry, no matter how the market rises, you won't necessarily make money if you make an index.
5. I can tolerate a loss of 50% or more. I want to change my life?
Oh my God, you can give it a go, your courage is commendable. There are pure equity funds specially prepared for you in the fund market. Some of them have doubled their good prospects. Of course, it is not uncommon for them to lose 50%. The former star fund manager Wang Yawei , the China Wealth Fund, has turned over 10 times within three years, but Wang Yawei has no longer been a public fund, and has switched to private equity. His legend is difficult to replicate.
After having a good assessment of his ability and risk tolerance,It's time we started making choices.
open the fund website and find the fund company, (because it is a popular article closed fund this article skips). There are many fund managers, large assets, and a large number of funds. You can pay attention to them. Then look at the average working time of fund managers and choose those that are greater than 2 years. If it's less than 1 year, forget it. Other fund managers are just dipping into water. What else can you tell him? Choose a fund company that you think is not bad, and remember. In the future, if the fund is not selected by these companies, it is better not to touch it.
Choose the corresponding fund ranking according to your own risk appetite and choose those with good performance. As for how long you choose, you can choose the one-year ranking if you only hold short-term holdings, but the fund investment is generally two or three years. Good results can only be seen in the first few years, and it is recommended to choose according to the two-year or three-year ranking. Click on the fund overview and look at the resume of the fund manager. If you have been in the business for less than 2 years, don't touch it. Generally, the Chinese stock market has a five-year cycle, so it is best to choose a business that has been in business for more than 5 years. Choose funds based on rankings and pick top students. You can't go wrong.
After a two-step comparison, congratulations, there are not many that are in your sight. Which one is your favorite, and which one you choose, quietly hold the day waiting for the delivery.
Fund investment lies in being able to withstand loneliness. In many cases, 80% of the fund’s returns are made in 20% of the time. Only by keeping the clouds open can we watch the sunrise.
I hope my suggestions are useful to you, and I wish you a long red.
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