Basic friends of dashboard Adjustment

1. in the bull market, index funds are preferred. Statistics show that 80% of the funds are losing the Shanghai stock exchange index, so don't expect yourself to be able to select 20% of outstanding funds, and even if you win the index, it is only temporary, in the United States, a fund manager with a winning index of 5 percentage points per fund of more than 2000 million yuan has been introduced as a legend.

2. Before buying a fund, you must know whether the Fund is a stock fund or a configuration fund. If you choose a configuration Fund, it will not increase much. Don't blame the fund manager.

3. in addition to the index fund, the long-term rate of return of active funds is similar. Remember that the performance of a fund is not good. The fund manager's days are worse than yours. He is more anxious than you, and his performance continues to be poor, they will be dismissed. If they change to a manager, they will change their investment ideas. The features of the Fund have completely changed. Currently, fund managers in China are very mobile, and it is difficult for a manager to continue for two years. Therefore, do not ask me if a fund is suitable for long-term holding, in the past ten years, managers did not know how many changes they had made, and their investment ideas had changed several times. They could not judge whether the Fund was good or bad.

4. Just as there are several new funds, it is preferred to select the first fund of the new fund company. Both China Oil and Australia mail are good examples.

5. never care too much about the net worth of the Fund. The 10 yuan fund has the same yield as the 1 yuan fund, because you always use 10 thousand yuan to buy the fund, if you buy 1000 yuan of funds or 10000 yuan of funds, the two funds both rose or fell by 2% one day. Your two funds have the same benefits and losses! Because the increase of 2% or the decrease of 2% is calculated as 10 thousand yuan. In addition, one fund can increase to 10 yuan, and the other fund is hovering at 1 yuan, which also shows their past performance differences. This difference will not be changed because of your intervention, 10 yuan will still go to 20 yuan, and 1 yuan will only go to 1 yuan.

6. don't think that bonds or currency funds are ideal investment types. The yield of bond funds is similar to that of regular bank savings, and it takes a certain amount of time to calculate the profits for you, the rate of return of monetary funds is the same as that of the Bank's current savings. Therefore, if an investor wants to buy the above two types of funds, it would be better to deposit funds.

7. do not doubt the ability of fund managers. fund managers have graduated from prestigious universities and have worked in large securities companies for more than ten years. There is no possibility that long-term earnings are lower than ordinary small investors, now, especially in the first half of this year, some new investors have made a lot of money, so the basic people feel that it is not cost-effective to buy funds and the ability of fund managers is not good. This is a very wrong idea. The benefits of new investors are built on the basis of ultra-high risks. These investment ideas will be paid back sooner or later. 10 people in the stock market will always have only two people to make money.

8. Don't expect yourself to be able to take advantage of low performance. market operations are often the opposite of people's expectations. Buffett's stock rose from 20 yuan to 0.1 million yuan, not all the way up, also experienced 800 fell to 500, fell to, But Buffett did not buy to sell, but always hold, even the stock gods have never considered high-performance and low-performance. We are qualified to predict the trend. The bull market is the worst. Instead of looking at high and low performance throughout the day, it is better to be honest and be a confused investor.

9. with regard to the Fund's fixed investment, there will be no effect in less than three years, and as far as the Chinese stock market is concerned, it is extremely uneconomical to redeem the fund within five years, five years later, the Chinese stock market may be in a falling channel, so I suggest you stick to it for about 10 years. This is amazing. Regarding the selection of fixed investment funds, I suggest you select funds from large companies. For fund companies that can have been in existence for more than 10 years, it doesn't matter which fund is specific, because funds are constantly rotated with fund managers, the investment style of funds is constantly changing.

10. Do not doubt what the fund company will do if it buys funds. This is a very boring assumption. First, fund companies are established by large domestic financial institutions (four major banks and securities companies) and will not close down easily, the collapse of the Bank of China International Fund Company is a suspicion of whether the Bank of China will collapse. Second, even if the collapse, your money will also be safe. Other fund companies will take over your investment share.

11. the idea of abandoning funds to buy stocks is dispelled. Ordinary retail investors who buy stocks more than 90 percent will return much lower than those who buy funds for more than three years. Stocks are far more complex than you think, A bull market can also make money by a dog. It is only possible for a fund to make money in a bear market. Don't envy some investors who make a lot of money. They will spit it out sooner or later. This is an iron law.

12. Finally, I would like to tell you that the annual rate of return of Buffett, the world-recognized stock god, is 24%. So the so-called gods around you are only temporary. They will be restored sooner or later. With a normal long-term investment fund, don't count on investing to be rich.