Program Ape Investment Finance--fund investment tips 2

Recently, the author in the spare time, bubble a few Dian Cun Zhang Bar (fund bar) and in the stock website simulation, more and more vigorously, for our program ape, write code is important, learn to invest money undoubtedly let oneself more a road, is also important!

Fund industry "one elder sister" Wang Ju family is also a computer origin, has done research and development and products, after 5 years in the investment sector, now is the Securities industry masterful task, alitily Ah! Inspired by one elder sister, in the future, the wealth of investment management knowledge, online collection of some financial knowledge and skills, gathered into this article! This is a few tips of investment funds, the author in the Fund's actual operation and observation, I think these skills are very reasonable, organized as follows:

At present, the Fund as a financial instrument has been accepted by the majority of ordinary people. The common people hope that through the investment of the fund to share the fruits of China's rapid economic growth, this is not only understandable, but I think, investors before investing still have to learn some basic knowledge of the fund to make their investment more rational, more effective.

First, correctly understand the risk of the fund, to buy suitable for their own risk tolerance fund varieties. Now the fund is open-ended stock fund, which is the most risky fund breed in our country's fund industry nowadays. Some investors believe that the stock market is experiencing great bull market, many funds are issued through the major banks, so there is absolutely no risk. But they don't know that the fund is just an expert on your behalf. They are going to take your money to buy securities and, like any investment, have a certain risk that the risk will never completely disappear. If you do not have enough risk-taking capabilities, you should buy a debt-based or bond-based fund, or even a money market fund.

Second, the choice of funds can not be cheap. It is a wrong choice for many investors to choose a lower-priced fund when buying a fund. For example: a funds and b funds set up and operate at the same time, a year later, a unit net value reached 2.00 yuan/share, and B unit net value is only 1.20 yuan/copy, according to this rate of return, a year, a fund unit net value will reach 4.00 yuan/copy, B Fund unit net value can only be 1.44 yuan/copy. If you buy a B fund in the first year of cheap, the proceeds will be much less than buying a fund. Therefore, in the purchase of funds, must look at the fund's yield, rather than look at the price.

Thirdly, the new fund is not necessarily the best. In the mature foreign fund market, the newly issued fund must have its own characteristics, otherwise it is difficult to attract investors ' attention. But many of our investors only buy new funds, thinking that only the new fund is issued at a value of 1 yuan, is the cheapest. In fact, from a realistic point of view, in addition to some distinctive features of the new fund, the old Fund than the new fund has more advantages. First, the old fund's past performance can be used to measure the management level of the fund manager, and the new fund performance is very uncertain, second, the new fund will be in six months to complete the opening of the task, and some open a shorter time, in such a short period, to put a large amount of money into the limited scale stock market, Will inevitably buy the old fund has already opened the stock, for the old fund sedan chair; again, the new fund will pay stamp duty and handling fees when opening a position, while the old fund to build the warehouse to wait for the proceeds will not have this part of the cost; And the old fund's research team is generally more mature than the new fund. Therefore, the purchase of funds should be preferred old funds.

Four, the number of dividends is not necessarily the best fund. Some funds in order to meet the investor's quick money mentality, closed period, immediately dividends, this practice is to put the money left pocket investors to put in the right pocket, there is no practical significance. Instead of focusing on investors, focus on market research and fund management. The Investment master Buffett manages the fund generally is not the dividend, he thinks his investment ability to be above other investors, the money puts in his hand the increment rate is faster. Therefore, investors must look at the net value growth rate when making the fund choice, not the dividend amount.

Five, do not just stare at the open-end fund, also pay close attention to closed-end funds. Open and closed are two different forms of funds, which have their own merits in operation. Open can be redeemed at any time, but closed because there is no redemption pressure, so that its capital utilization efficiency is much higher than the open.

VI, carefully purchase the split fund. Some fund managers, in order to cater to the needs of investors to buy cheap funds, the operation of a period of better performance of the funds to split, so that their net worth one, the fund is to expand their size. Just think of the fund to sell some of its holdings before the expansion of the scale and buy a large number of shares, do not say how much to pay the amount of trading stock fees, only to expand the size of the rush to buy there is a certain risk, in fact, the use of such a marketing method of the fund performance is much unsatisfactory.

VII, invest in the fund to put a long-term. To buy a fund is to admit that experts to manage to outperform themselves, do not like stocks to hype the fund, or even make a difference on redemption, we have to believe that the fund manager of the market judgment ability.

Reference: East Net

Program Ape Investment Finance--fund investment tips 2