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急速赛车开奖官网168:How can you pick the fund that performs well?

时间:2018/6/12 19:39:18  作者:  来源:  浏览:0  评论:0
内容摘要: For the fund, I believe that everyone has heard it more or less, but what is the fund? What are the characteristics of different types of f...

For the fund, I believe that everyone has heard it more or less, but what is the fund? What are the characteristics of different types of funds? There are so many funds, how the average person should choose?

to know how to choose a fund, we must first understand what are the characteristics of the different funds as well as funds.

the knowledge of the Fund

1, what is to say what is the first fund

fund. It is simply to gather together all of the money entrusted to manage the fund management company. For example, you buy a $ 1000 Preferred mixed Cathay grow, this is equivalent to 1000 yuan to Guotai Fund Management Company help you buy stocks, bonds, bank deposits, and ultimately you get to make money, as long as the regular observation The net value of the fund can be expressed, and this money is placed in the bank for trusteeship, which can also ensure the safety of your funds. If you press

investments division, the fund can be divided into four categories: money funds , , bond funds and equity funds hybrid funds . Next, we simply introduce these funds:

2, classification fund

1) Monetary Fund

first talk Monetary Fund.

I believe we have all heard of Yue Bao or Wealth Management. We can get some income by putting in the change. How can we get the income? It is because they are connected to a currency fund. Why is it called

Monetary Fund it? This is because such funds only invest in money market instruments, that is, debt instruments with a term of less than or equal to one year, such as bank deposits, short-term bonds issued by countries and enterprises, etc., because the risk of bank deposits and short-term bonds is very high. Low, highly liquid, somewhat similar to real money, so this type of fund is also known as a money fund and is also called a “quasi-saving product”.

2) Bond Fund

Having spoken about the IMF, I will say Bond Fund. If more than 80% of the fund’s assets are invested in bonds, including investment corporate bonds, government bonds, etc., that is a bond fund.

Speaking of this, some small partners may ask, since both bond funds and money funds invest in bonds, what is the difference between them?

It is actually very simple. The bonds that money funds invest in are usually short in duration, and the bonds that are invested by bond funds have a longer term. Moreover, while money funds only invest in money market instruments, bond funds can also invest in stocks in addition to bonds, so bond funds have certain risks relative to money funds, but in the long run, the returns will be higher.

3) Equity Fund

If more than 80% of fund assets are invested in stocks, such funds are equity funds.

Equity Fund What are the characteristics of it? First, in the long run, equity funds will earn more than money funds and bond funds. According to domestic and foreign stock market data, although the stock's income has great fluctuations in the short term, the overall price trend is upward, and long-term income is higher than bonds and bank deposits, so the yield of stock funds is higher than Currency funds and bond funds.

Secondly, compared with direct investment in stocks, equity funds can also help us spread risks; because investing in equity funds actually buys a basket of different types of stocks. We mentioned in previous courses that diversification can reduce risks. Therefore, investing in equity funds can not only achieve higher returns, but also, on the whole, the risk is lower than direct investment in a single type of stock, which can be described as double benefit.

4) Mixed Fund

Finally, it is a hybrid fund. The hybrid fund is a fund. It is a fund that can invest in stocks, bonds, and money market instruments. It is characterized by a relatively flexible investment. For example, if the fund manager looks at the current stock market is good, he may invest more in stocks in order to obtain higher returns; if he feels that the stock market is not good, he will invest more in bonds to isolate risks.

As the risk of a hybrid fund is lower than that of a stock fund, the expected return is higher than that of a bond fund and a money fund. Therefore, the hybrid fund is particularly suitable for those with a general risk appetite, but at the same time, it hopes to obtain higher returns when the stock market rises. partner.

In addition to the funds mentioned above, I believe we will hear other funds, such as convertible bonds funds, index funds, classification funds and so on, in fact, can be summarized in these four funds, specific We will explain in the follow-up article.

Having said that the definition and classification of funds, there are so many funds on the market, how do we choose?

Second, understand your own risk tolerance and investment goals

Finger Wang Jun to provide you with a proposal, first according to your investment period and risk tolerance ability to choose which type of fund to invest, such as investment in stock funds, or bonds Funds; then choose which fund to invest in.

How do you choose the type of fund to invest in based on your investment horizon and risk tolerance?

This is related to your investment time and risk tolerance. In general, if your risk tolerance is low and the investment period is relatively short, you can choose money funds and bond funds. If the investment period is longer and the risk tolerance is higher, then you can choose hybrid funds and equity funds.

To give some examples, for example if you have an idle fund that you want to make a long-term investment, about 20 to 30 years, and you have a certain understanding of risk, then you can choose equity funds, or even invest in SMEs. "Small and medium-sized" equity fund.

If you are preparing for your child’s education at university and you have an investment period of around 10 years, you may have to focus on a few things, such as choosing a “big market” equity fund for large companies that hold positions, or on the basis of equity funds. Configure some bond funds.

If you plan to buy a home after 3-5 years, it is possible that bond funds may be the focus of your choice, with a small number of equity funds being properly configured.

If your investment time is shorter and your risk tolerance is low, you may have to choose pure debt funds or even money funds. This risk will be lower and you can guarantee that you will not lose money at the end of the investment period.

Third, how to choose the fund

Through the risk tolerance and investment objectives, we can roughly determine the type of fund, but specifically how to choose a fund?

1 Look at fund performance

Many small partners like to select funds with better short-term performance when they choose funds, such as funds that have been earning for the last six months or nearly a month, but in reality, they see long-term stability besides short-term gains. Performance is more important, so we recommend that you combine short-term, medium-term and long-term performance to choose.

How to combine short, medium and long-term performance? Here we recommend a screening method, called the 4433 rule, specifically, first, look at long-term indicators, the first 4 indicates that the last one-year rate of return ranked in the first quarter of the same type of fund; second 4 indicates that the most recent 2 years, 3 years and 5 years and the performance of the first quarter of the same type of funds since this year; followed by the short-term indicators, the first 3 indicates that the last 6 months of the rate of return ranking in the same type of funds The first third and the second 3 indicate that the rate of return in the last three months is ranked in the first third of the same type of fund.

Using the 4433 rule, if the short-, medium-, and long-term performance of a fund can be ranked within the top 25% and the top 33% compared with similar funds, it means that the stability of the fund's earnings is relatively good. The probability of continuing to create an ideal return in the future is also relatively high.

2 See fund manager

In general, an important indicator for investigating a fund manager is his working time. An ideal fund manager should have the investment experience of rising stock market (bull market) and stock declining (bear market) at the same time. Such a fund manager can fully handle the experience of different environments; followed by the fund manager's stability of the fund, if it manages a The Fund's fund managers often change, so you may be careful about this fund. For example, in 2007, the resignation of Lu Jun, the chief investment officer of Shanghai fund company fund manager and superior investment fund manager, had a great influence on the investment of Morgan Fund. Therefore, the inspection of fund managers should be comprehensively evaluated from the perspectives of the time and stability of employment.

3 See fund company

Actually, each fund has a large research team behind it, such as investment director and researcher, who will provide the fund manager with a “stock pool” for investment; and also carry out risk control. The risk control committee to prevent mistakes and their strict risk control and real-time monitoring of investment links. The fund manager primarily responsible for asset allocation, portfolio construction.

If the fund company is like a football team, the fund manager is the striker, the researcher is the midfielder, and the risk control is equivalent to the defender. The overall strength of the fund company is determined comprehensively by each part, and each part is very important.

It is not unusual for a fund company to have a star fund, but if most of the fund's overall performance is excellent, is it fair to say that the company's overall strength is better than that of other companies?





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