I want to invest in funds, and I just learned to make a fixed investment. Who can introduce it?

In 2007, I began to pay attention to the fund, experienced bulls and bears, and gained some experience. I hope it will help you!

Compared with stocks, the risk of funds is smaller, and the risk of several stock funds in funds is higher. Stock funds invest in stocks, and the ups and downs mainly depend on the stock market. Bond funds invest in bonds, and the rise and fall mainly depends on the bond market. Because the price fluctuation of bonds is obviously smaller than that of stocks, the risk of bond funds is much lower than that of stock funds (including hybrid stock funds). The lowest risk is the money fund, and there is almost no risk. Basically, there are positive returns every day. Generally, the income is one-year time deposit interest, but it can be held as needed. Income and risk coexist, and funds with low risk generally have lower income. Of course, this is uncertain, generally speaking.

There are two ways to manage funds: one is direct purchase and the other is fixed investment. Fixed investment belongs to band operation, which can better avoid risks. It is recommended to vote.

Some misunderstandings in fund selection;

Myth 1: You don't need to choose a fund, just buy one.

Analysis: Whether in a bull market or a bear market, the performance of funds is very different, even for similar funds under the same company, the performance is still very different. Be selective about funds: First, you must choose a trustworthy fund company. Secondly, we should choose funds with excellent and stable past performance; Third, we should examine the past performance of fund managers. Even in the same market environment, different funds bring different benefits. According to the data of Good Buy Fund Research Center, in 2009, the income of the best equity fund reached 1 16%, while the income of the worst equity fund was only 29%. So choosing a good fund can get twice the result with half the effort.

Myth 2: only pay attention to the fund ranking.

Analysis: The fund ranking reflects the past performance of the fund and only represents history. When choosing a fund, we must not only look at the ranking, especially the short-term ranking such as weekly ranking, monthly ranking and quarterly ranking. When investors choose a fund, on the one hand, they should comprehensively examine its short-term, medium-term and long-term performance, on the other hand, they should also consider the risk-adjusted income, that is, whether its performance ranking is stable in a long period of time, and only funds with stable long-term performance and considerable income are good investment targets.

Myth 3: It is better to buy a new fund than an old one.

Analysis: The problem of "buying new" or "buying old" cannot be generalized. Under normal circumstances, the old fund has past performance as a reference, and investors can choose the right fund through the historical performance of the fund, which is easier to choose. In terms of timing, in the continuous rising stage of the stock market, the performance of new funds is often not as good as that of old funds. It will take several months for the new fund to open a position, and some gains will be missed. Old funds with higher positions can get more income. In the process of market decline, because the position of new funds is generally lower than that of old funds, the decline will be smaller than that of old funds. Therefore, when the stock market continues to rise, old funds should be the first choice; Once the market is at a high level and the direction is unclear, you can choose a new fund first, but it is best to choose a new fund managed by an old fund manager or a new fund with a better investment and research platform.

Myth 4: The fund has low net value, low price, low risk and large upside. It is cost-effective to buy low-net-worth funds.

Analysis: The net value of the fund represents the balance of the total market value of the fund assets after deducting liabilities at the corresponding time point, reflecting the market value of the fund assets. The income of an investment fund is not directly related to the net value of the fund at the time of purchase. What really affects investors' income is the investment management ability of fund managers. This is why "splitting" and "large proportion of dividends", a marketing method to blindly expand the scale and reduce the net value to encourage investors to buy, only happened in 2007.

Myth 5: Worship star fund managers and only buy funds managed by star fund managers.

Analysis: The performance of the fund can not be separated from the investment style and ability of the fund manager, but the investment of the fund is not only decided by the fund manager alone, but also inseparable from the investment and research team behind it. Nowadays, many fund management companies implement star investment research teams instead of star fund managers. Therefore, the performance of the fund is not only related to the fund manager, but also related to the team relationship behind the fund company and the fund manager.

Myth 6: Ignore the fund type and choose the fund according to the fund increase.

Analysis: The stock market is in a bull market. When choosing a fund, many investors often only pay attention to the growth rate of the fund's net value, and unilaterally choose the fund with fast net value growth, ignoring the types of funds. Different types of funds have different positions, different risks and different returns. For example, the stock position of stock funds is 60%-95%, and some hybrid funds are 30%-95%. In the bull market, these two types of funds will maintain high stock positions to obtain high returns; However, in the bear market, the positions of hybrid funds are generally lower than those of equity funds, and their hedging ability is stronger.

Myth 7: Capital preservation funds can completely protect capital.

Analysis: Many investors buy capital preservation funds just for the word "capital preservation", thinking that buying such funds can guarantee the absolute safety of investment principal. However, most capital preservation funds are defined as "investors can get 100% principal security after buying and holding for three years during the issuance period". In other words, if investors need money within three years, they still have to bear the risk of fund ups and downs and higher redemption fees. Therefore, the capital preservation fund is not fully guaranteed unconditionally. Moreover, investors who invest in capital preservation funds have to bear time risks.

Myth 8: Buy funds with a try attitude. Regret when the net value falls, and can't help but be happy when the fund rises.

Analysis: Shopping around, not to mention spending a lot of money. Therefore, before buying a fund, you need to do your homework, understand your risk preference, understand the investment risks and benefits of the products you want to invest in, and then make a prudent decision. Know yourself and know yourself, and you will win every battle.

Myth 9: "Cross-category" comparative funds

Analysis: Only funds of the same type can be put together to compare their performance. Different types of funds have different investment targets and corresponding risks, so it is unfair to judge them together.

Myth 10: stock funds make the most money.

Analysis: Stock fund refers to the fund with the highest proportion of stock investment. If you want to share the gains from the stock market rise, you must invest in stocks, especially in the market where the stock market rises unilaterally. The higher the position, the more likely you are to get high returns. However, equity funds do not always operate in Man Cang, and sometimes they may not be as high as some partial stock funds. Moreover, in the process of stock market decline, the risk of equity funds is also the highest. For some risk-averse investors, money funds and bond funds may not be a good choice, but money funds and short-term debt funds are good cash management tools. Therefore, the stock fund with the highest income in the bull market may not be the best investment target for every investor.

At the same time, we should also pay attention to the five safety regulations of investment funds.

Safety Rule 1: Trust excellent fund companies.

There are many similarities between investment funds and passenger planes. Civil aviation transports people and goods to their destinations, while funds transport funds to investment and wealth management destinations. Civil aviation has professional flight driving, maintenance technology and early warning mechanism, and the fund is also managed by experts and invested professionally.

Safety rule 2: only buy the right ones, not afraid of the expensive ones.

In fund sales, people often ask when the fund will pay dividends, hoping to buy when the net value is lower after dividends, but it actually doesn't make any sense.

Experts point out that net worth only determines your share, not the rate of return. When choosing a fund, we should pay attention to its operation and investment performance. The net value of the fund is mainly related to two factors: the length of its establishment; Ability to manage the team. It is meaningless to compare the net value of funds established in different periods because the market environment is different. The high net value of the fund established in the same period shows that the management team of the fund has a high investment management ability in the past.

Safety Rule 3: One basket and one egg are laborious.

The fund itself is a tool for diversification. If you want to build a portfolio, you can consider it from two aspects: First, you should consider the liquidity needs of different types of funds, such as the combination of stock funds and hybrid funds, and it is reasonable to allocate a certain proportion of money market funds.

Second, the product portfolio with obviously different investment targets in the same type of funds, such as small-cap funds and large-cap funds or some industry funds. Only product combinations with different risks can effectively reduce investment risks.

Safety Rule 4: Cash dividends do not mean that you can keep your bag safe.

Investors mistakenly think that cash dividends are safe. In fact, dividends only go from your left pocket to your right pocket. If you want to settle down, you must redeem the fund and stop investing. If you are optimistic about the high economic growth in China, believe that the listed companies in China can share the high economic growth, and recognize that excellent fund companies can dig out more high-quality listed companies for investors, you should let yourself share the wealth effect brought by compound interest.

Although the cash dividend is paid directly in cash, there is no need to pay redemption fee, but the dividend transfer is to reinvest the cash dividend in the fund, which has the compound interest effect, and the reinvested fund share can be exempted from subscription fee.

Safety Rule 5: Frequent exchange of funds is not advisable.

Fund investment is a long-term behavior, and a short period of one month or one quarter cannot reflect the investment strength of the fund. In addition, the subscription and redemption rate of funds is higher than that of stocks, and the cost of changing funds frequently is very high.

Frequently changing funds is like frequently changing lanes in the driveway, which not only brings greater risks, but also the final result is likely to be haste makes waste, unless you know that there is an accident in front of your driveway.

By understanding the above knowledge, I believe you are no longer a novice, and I wish you the expected benefits!