Basic meaning of fund:
Suppose Xiao Ming wants to buy many stocks such as A.B.C.D, but he doesn’t have enough money. What should I do? There are many people who are in the same situation as Xiao Ming.
So in the village, a person was selected as the manager or intermediary.
brings everyone's funds together. According to a certain proportion. Buy stocks ABCD separately, and then make profits and losses according to the proportion of investment.
This is the basic model of the fund.
In a sense, funds are cluster buying made by people with investment directions.
funds are divided into many types according to different risks, stock type, mixed type, fixed income type, etc.
Advantages: (Here we specifically talk about stock fund )
1. Spread risks, because there are many types of stocks purchased, different stocks will have different trends, and there will be profit and loss offsets, making the fund's return trend more average.
is much less risky than holding a stock yourself.
2. You can indirectly invest in high-priced stocks, such as Kweichow Moutai . Now a stock is 1,700 yuan, and a stock transaction costs 170,000 yuan. This has naturally rejected the vast majority of retail investors.
If you are quite optimistic about the later trend of Moutai and don’t have enough funds, you can consider buying funds that invest in liquor, such as liquor ETFs, China Merchants Liquor, etc., because the stocks that these funds mainly buy are high-priced liquor stocks such as Kweichow Moutai, Wuliangye .
3. Reduce stock selection time and reduce difficulty. Not everyone has the time and interest to study the stock market. Choosing this package of stock situation can save your time.
Disadvantages:
1. While dispersing risks, it also reduces returns. This is easy to understand, with high risk and high returns. Reduce risks, and the natural benefits will also be reduced.
2. Long investment time. Funds often require years of holding, and short-term operation of funds is actually not advisable. This requires investors to carefully purchase the right funds.
3. It is difficult to choose a fund. With the increasing number of fund issuances, it is not much easier to buy funds than to choose stocks.
small TIPS:
1. Choose the right fund manager, such as Zhu Shaoxing Fuguo Tianhui Growth, this fund has been around for 16 years and has an annual yield of 22%. Very high level. Such fund managers appear more stable.
2. Choose a good direction. If you like medicine, pay more attention to medical funds. There are many styles, if you really can’t figure it out, consider the mixed one.
3. Choose a good opportunity and try to buy at the historical bottom or after a big drop.
buys funds at a high level, but it will only be a long way to get back the money, because most funds have regulations that the stock position must be 60%, so even if the market has begun to decline, the fund cannot sell all its chips.
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