Fund: From 6,000 to fall can you win the index?

Before the text: When the Shanghai Composite index around 6,000 points, around 5,000, and 3,000 points when the start of the investment, to this May, the rate of return is how much?　　Did you win the index? Wen/Our correspondent Feng Qing with the increasing media exposure of the fund, investors have more and more questions about the Yu Ding investment strategy. What is the rate of return on fixed investment?　　We counted when the Shanghai Composite Index began to set at around 6,000, around 5,000, and around 3,000, to the rate of return by the end of May this year. The reason why we use Shanghai stock index as an example is because of its relatively strong representativeness, is a more objective and simple reference, the second is because in this round of decline and rise, many active funds and passive funds are actually beyond the Shanghai Composite Index, which means that its fixed investment earnings may exceed the benchmark index of the return, then the Shanghai Composite Index as an example,　　The reference for investors is still relatively strong.　　We assume that the Shanghai Composite Index will start at the beginning of each month, the fixed investment amount is 1000 yuan (excluding transaction costs). April 1, 2008, the Shanghai Composite Index is 3,329 points, if starting from this day to set the investment plan, until May 4, 2009 (see table I), 14 months of investment in the total amount of 14000 yuan. As of May 4, investment income of 879 yuan, the yield rate of 6.29%.　　The Shanghai Composite Index fell 23.13% per cent over the same period. If the Shanghai stock index has been set up since January 2008, what will be the result? January 2, 2008, the Shanghai Composite Index is 5,272 points, until May 4, 2009, the Shanghai Composite Index fell by as much as 51.46%. If the investment starts in this period (see table II), invest 1000 yuan a month, until May 4 the total investment is 17000 yuan, the total loss is 490 yuan, the yield is 2.88%.　　Although it failed to gain positive returns, it was much smaller than the index's decline. If the Shanghai Composite index around 6,000 points to start the investment so far, what is the situation? October 8, 2007, the Shanghai Composite Index is 5,692 points, November 1, 2007, Shanghai Composite index of 5,914 points, since then the Shanghai Composite Index rose to more than 6,000 points, and then began to fall. From October 8, 2007 to May 4, 2009, the Shanghai Composite Index declined 55.04%.　　The same period of the fixed investment plan (see table III), the total investment of 20000 yuan, the total loss is 2102 yuan, the investment yield is-10.51%, or less than the Shanghai Composite index of the decline. From these three kinds of investment, we can get a little inspiration. First, when the index is in the descent channel, the result is often better than the index when the high rise. In the second and first 32 cases, at the beginning of the fixed investment plan, the Shanghai Composite Index was relatively close to the 5,000 points, the difference is that in the second case, the indices are all the way down; in the third case, the index is from October 2007 to January 2008 at 5,000.Side fluctuations, the main losses are mainly from this part of the investment. Second, in a volatile city of decline, investment is a very good way to diversify risk.　　We can find that in the first case, the Shanghai Composite index of the period fell to 23.13%, but the rate of return has been positive, reached 6.29%, the advantages of the fixed vote is very clear.　　Third, in fact, in the period of data statistics, the trend beyond the Shanghai Composite index of funds, there are many active and passive funds, so it can be speculated that if investors decide to invest in these funds, the yield should be higher than the Shanghai Composite Index. Table I: Starting from April 2008 to set investment in the Shanghai Composite Index (yuan) fixed date price (yuan) purchase share (part) Total Share 10002008-4-13329.160.295870.2958710002008-5-53761.010.2618980.55776810002008-6-23459.040.2847610.84252910002008-7-12651.60.37147 41.21400310002008-8-12801.820.3515571.5655610002008-9-12325.140.423631.98919110002008-10-62173.740.4531362.44232710002008-11-31719.7 70.5727513.01507810002008-12-11894.620.5198933.53497110002009-1-51880.720.5237364.05870710002009-2-22011.680.489644.54834710002009 -3-22093.450.4705155.01886210002009-4-12408.020.409055.42791210002009-5-42559.910.3847795.812691 Redemption of net-day redemption income (yuan) Investment income (yuan) average rate of return 2559.9114879.97879.976.29% Table II: Starting from January 2008 to set investment in the Shanghai Index (yuan) fixed investment date price (yuan) purchase share (part) Total Share 10002008-1-25272.810.1868070.18680710002008-2-14320.770.2279690.41477610002008-3-34438.260.2219340.6367110002008-4-13329.160.295 870.9325810002008-5-53761.010.2618981.19447810002008-6-23459.040.2847611.47923910002008-7-12651.60.3714741.85071310002008-8-12801.820.3515572.2022710002008-9-12325.1 40.423632.62590110002008-10-62173.740.4531363.07903710002008-11-31719.770.5727513.65178810002008-12-11894.620.5198934.1716811000200 9-1-51880.720.5237364.69541610002009-2-22011.680.489645.18505710002009-3-22093.450.4705155.65557210002009-4-12408.020.409056.064622　　10002009-5-42559.910.3847796.449401 Redemption of net worth redemption (yuan) investment income (yuan) average rate of return 2559.9116509.89-490.11-2.88% Table III: Starting from October 2007 to set the Shanghai index Input principal (yuan) fixed investment date price (yuan) purchase share (part) Total Share 10002007-10-85692.760.1730270.17302710002007-11-15914.280.1665460.33957310002007-12-34868.610.2023160.54188910002008-1-25272.810 .1868070.72869710002008-2-14320.770.2279690.95666510002008-3-34438.260.2219341.17859910002008-4-13329.160.295871.4744710002008-5-53 761.010.2618981.73636710002008-6-23459.040.2847612.02112810002008-7-12651.60.3714742.39260210002008-8-12801.820.3515572.74415910002 008-9-12325.140.423633.1677910002008-10-62173.740.4531363.62092610002008-11-31719.770.5727514.19367710002008-12-11894.620.5198934.7135710002009-1-51880.720.5237365.23730610002009-2-22011.680.489645.7269461000 2009-3-22093.450.4705156.19746110002009-4-12408.020.409056.60651110002009-5-42559.910.3847796.99129 Redemption of net-day redemption income (　　Yuan) investment income (yuan) average yield 2559.9117897.07-2102.93-10.51% The active fund next we take the actual fund as an example to calculate the rate of return on the fixed investment. Some of the newly released funds fared well in the second half of 2008. We will take the Franklin deepening value as an example to carry on the statistics. Assuming that after the establishment of the fund from July 3, 2008, a monthly investment of 1000 yuan, the deduction date until April 1, 2009, a total investment of 10000 yuan. In the calculation, the purchase fee is deducted, and then the share of the fund is obtained. During the period of the Fund has several dividends, in order to calculate the simple, not counted into dividends reinvestment.　　From the data statistics can be seen, the fixed investment 10 months after the yield is 28.15%. If investors in July 2008 a single investment in the fund 10000 yuan, the yield is also 28%.　　It can be seen that in a volatile market, the rate of return may not be as good as a single investment in a fixed investment fund. Again with the state Sea Fu Franklin Another fund-the Franklin elastic market value as an example, starting from May 2008 to May 2009, set a monthly investment of 1000 yuan, 13-month total investment is 13000 yuan. If the investor in accordance with the day of May 22 redemption, the return is 1313.97 yuan, the yield can reach 10.11% (which calculates the dividend income, assuming dividends after reinvestment increased fund share).　　Obviously, the yield rate is nearly 4% higher than the first in the benchmark index.　　This also shows that in the downward cycle of the economy, and the gradual recovery of the process, fixed investment is an effective and feasible strategy. Table IV: Franklin of the investment country Hai Fu to deepen the value of investment (yuan) fixed investment date price (yuan) purchase share (part) Total Share 10002008-07-031.000098598510002008-08-011.0017983.32831968.32810002008-09-010.94321044.3173012.64610002008-10-060.93241056.41440 69.05910002008-11-030.88091118.1755187.23410002008-12-010.91571075.686262.91410002009-01-050.94341044.0967307.00910002009-02-021.0397947.38878254 .39810002009-03-021.0941900.28339154.68110002009-04-011.2405794.03479948.7162009-05-041.288109948.716 Redemption of net worth of the day (yuan) investment income (yuan) average yield 1.288112814.942814.9428.15% fund dynamic Wah Fu Value Growth Fund issue Wah FU Value Growth Fund issued since May 25, investors can through the Shenzhen Development Bank, China Merchants Bank, Bank of communications and other distribution banks and major brokerage outlets.　　The fund will be relatively undervalued investment value and can create a stable return of the company, under the premise of controlling risk, strive to achieve the long-term stability of the Fund's assets value.　　Yinhua Harmony Theme Open to apply for Yin Hua Harmony theme Mixed Fund has begun to deal with the daily purchase business, investors can through the Bank of China, Construction Bank, ICBC, Bank of Communications, Merchants Bank, Postal Savings Bank and other distribution banks and major brokerage outlets, can also be used through the Silver China Fund website for online purchase. The first dividend of the Chinese-Commercial bond fund May 27, the Chinese business Fund's bond-type fund China business earnings enhancement will be the first dividend to the holders. Although more than 30 bond funds have been paying dividends this year, the only one that has been set up this year is the increase in Chinese business earnings.　　Data from the Galaxy Securities Research Center showed that the increase in Chinese business income was established on January 23 this year, as at May 21, the return on investment in category A and B shares of the fund was 5.9% and 5.7% respectively, which significantly exceeded the average income level of 1.14% per cent for the first time this year. Societe Generale stability and increase the benefits of the bond has been approved by Societe Generale Global Fund's 7th products-Societe Generale stability increase bond funds have been approved by the China Securities Regulatory Commission, the fund is Societe Generale's first bond fund, by the Bank of communications custody. The Fund's bond investment will be no less than 80%, and equities and other equity-type securities have an investment ratio of 0% to 20%, or less than 5% of the government bonds in cash or due date within one year. 　　The fund can participate in the first-tier market online share purchase and public offerings. Ifonda received large sums of money as the industry's first enterprise annuity business Management qualification of one of the fund companies, easy to reach the fund is now a total of more than 6,000 enterprises to manage the enterprise annuity.　　Recently, Yifangda has received a large state-owned enterprise more than 110 million yuan of additional annuity investment. For more wonderful financial articles, please login to the first financial network (wwwAmoney.com.cn) Statement: This article copyright for the first exclusive financing, if necessary reprint, please contact us. Email to editor@amoney.com.cn or call 021-64830133