How to make the investment through the fund to reach 10 years 10 times times?

Talk about how to invest through the fund to reach 10 years 10 times times.

Original Hulk Planet

2018-05-09
Author Zheng Zhiyong

Recently to participate in an event, to tell people how to fund investment. In order to attract the eyes must have a title party, the topic is how to vote through the fund to 10 years 10 times times, this topic in the previous article talked about, specifically see how to invest through the fund to 10 years 10 times times. Today, continue to talk about this topic, but also for the activities of the speech to make a manuscript.

I. Fund set for 10 years 10 times times

Basically impossible to achieve

Earning 10 times times a decade means (1+10) a 10-time reduction of 100%, with a minimum annual yield of 27%, and a one-time investment at first. In the case of a fixed vote, a yield of at least 40% per annum is required.

According to the Galaxy Securities calculation of the public offering fund in 20, the yield of biased stock fund is about 18%. However, if the 20-year data is carefully looked at, we will find that in the first 1998-2011 years of the annual return is about 20%, in 2012-2018 it was reduced to about 12%, it can be seen in the future through the fixed investment 10 years 10 times times the return is basically impossible.

But we cannot deny the value of compound interest, the base period of the S & P 500 index is 1942, the initial point is 10, as of April 14, 2018 the index has reached 2,656 points. The index rose 256 times-fold in 76. Annual Return of 7.5691% ... The current benefits of the green Giants portfolio are about 17% per cent of the year.

Ii. How to select the fund

In the public fund history can reach 10 years 10 times times the fund is also a handful, and the highest yield of the Chinese market is suspended subscription. At present, the number of funds is as high as 5,000, the probability of choosing a single fund to get high returns is very low.

There is a universal formula in the economy: Profit = profit-cost; we will be the public offering fund as a whole, the benefits are market-given, if who can reduce costs, who is the high profit, this is the origin of the overseas popular index.

For the active fund, the management fee is 1.5% (the corresponding index fund management fee is 0.5%), don't forget to estimate that in the future long-term investment, the annual return of the stock will be reduced to about 12%, respectively deducting the cost of 1.5% and 0.5%, that is, the annual 10.5% and 11.5%, although only a difference of 1%, but ten years later, The 1% gap will lead to nearly 20% of the income gap. So long-term investment control costs are very important, the Green Giant portfolio of index funds to invest mainly.

In addition, the performance of the active fund is not sustained by all investors criticized, in fact, the Fund's performance is not sustainable, otherwise a fund continues to rank first, then who will buy the second-ranked fund.

The difference between fixed investment and lump sum

Two main reasons for the loss of investment funds:

Chase High Buy funds (for example 2007, 2015), and again is frequent purchase redemption, purchase redemption once the cost 0.6%-0.7% (in the Internet channel), 1.5%-2% in (bank channel), if one year repeated purchase 10 times at least the cost is 6% or 15%, Think about how much the fund will benefit in one year.

There is a difference between the fixed and partial positions, if I take money from the monthly salary to buy the fund this is called the fixed vote, if I get money from the savings (already have funds) to buy the fund this is called partial positions. The best way to buy a fund is to buy it at a low or relatively low level and sell it for a long time while waiting for an overvalued market.

The snowball Abbot's jokes: it is said that a lot of people have decided to drop their votes because the market has fallen. What does the market drop mean for a fixed investment? means the same money, can buy more things. The medicine can't stop.

In short, if there is a cash-for-money optimal model is a one-time large-scale (60-80%) positions in the market relatively low point, if there is no cash, the use of some of the wages of fixed investment is mandatory savings, compared to the bank is still much better.

Iv. the relationship between profitability and risk, investment strategies of the green Giants portfolio

What is the Green giant combination. The Green Giant Fund portfolio since May 2016, the cumulative income of 35% or so, the annual return of income for 17-18%, using the Asset Allocation + Index fund model, in short, low valuation index wheel move.

The above picture is from May 30, 2016 to May 7, 2018, the Green Giant and the Silver stock Mixed FoF Index comparison chart, the Green Giant finishes the explosive work Silver stock Mixed FoF index.

The Silver Wealth Fund Index series of the Bank of China certified by the universe is based on the fund company, fund products, fund managers three dimensions to build a comprehensive evaluation system, from the stock-type, mixed, bond, money-type public offering funds to choose the highest comprehensive score of the Fund as an index sample for the market and investors to provide a richer investment target. Among them, the FoF index is composed of 27 stock funds and hybrid funds.

What is called underestimate index wheel move. It is not the gem and the Shanghai and Shenzhen 300 index who have high valuations and low valuations. The future is unpredictable, so the 300 index and the China Certificate 500 index are all to be configured, but we can look for the Hang Seng state-owned enterprise index, which is similar to Shanghai and Shenzhen 300 but less valued, as well as Hong Kong, which has a similar but low valuation of the 500 index, and is holding two long-term industries, pharmaceuticals and consumption. Consumption in the 2017-year increase of nearly 60%, so in February this year, taking into account the risk factors such as market, will be replaced by military Industry index, effective resistance to market decline and the combination of net worth back.

Welcome to the Green Giant's big family.