Ten tips for fund investment:
(1) Buying an active fund means buying a fund manager. The income of an active fund basically depends on the level of the fund manager. A good fund manager can outperform the market index for a long time, and parents who are poor fund managers are afraid to recognize it. It's a better website in China to check the fund manager's level-Haobu Fund Network.
(2) You must buy an index fund with a low rate. Index funds, especially those that passively track the index, must buy the one with low rate. The book Common Sense of * * *, the father of index funds, emphasizes this point almost entirely.
(3) The fund company is pushing the fund carefully. If the fund company is pushing this fund, it means that the increase of this fund has been relatively high in the recent stage. It has dealt with the children's boots in the marketing department of the fund company. At this time, it is necessary to buy carefully. Even if it is a good fund, it is necessary to consider whether the current price is too expensive. At this time, there will often be a short-term retreat.
(4) Watch more and move less, and keep a level mind. After the fund is bought, don't operate frequently on the premise that it has been judged as a good fund and the fund manager has not changed. Every transaction is an expense. See more and move less, hold it for a long time, and slowly increase its value.
(5) Don't catch up. At 3, you bought 1 yuan, and the momentum was good. When it rose to 4, it increased its position to 1, yuan. The market continued to rise, and at 5, it invested 1, yuan. 99% of this chasing strategy is a loss. Don't chase up, remember that many people lost money in the 216 crash because of this reason!
(6) Be sure to take profit in time. You must set a take profit point in A-share investment. In 22, the index was around 3, points, and it will still be around 3, points in 219. China's stock market is highly volatile, and it has the characteristics of short bull and long bear. Only by taking profits in time can we reap the added value of wealth and settle down. I've seen too many examples where I thought I could get a good return by always investing, but it turned out to be a loss, so it's very important to learn to take profit.
(7) Some cyclical industries have good returns. For example, when the stock market rises, it is suitable to invest in the securities industry. This kind of strong cyclical industry can gain huge excess returns if it is grasped well.
(8) Don't buy too much of the same fund. There are too many market funds, and many shares are very similar. It is meaningless to buy them repeatedly. As for how to identify whether they are repeated. Active funds can look at heavyweight stocks, and index funds can go to CSI Index Company to inquire about the comparison of preparation plans. The simple method is to directly search Baidu for two related funds.
(9) Have a clear purpose before buying a fund. Many people don't buy poor funds and lose money, but buy funds that are not suitable for their own losses. Before you start to buy a fund, you should clearly know your investment income demand. For example, if you are going to get about 6% income every year from this money, then buy a debt-based fund. Don't see that the stock-based fund has higher income, and you slip your hand and buy a stock-based fund.
(1) The process of selecting funds before buying is very important. The operation after buying accounts for 2%, and whether the base selection is correct before buying accounts for 8%. It makes sense to choose the right operation. Choose those fund managers and funds that have performed well for a long time (5 years), so the probability of doing well is greater.