Investment And Financial Management: Do Not Put Eggs In The Same Basket.

First, investment funds should first do their homework.

At the beginning of 2004, I invested in the fund with my colleagues' introduction and encouragement. At that time, I did not know what a fund was. I knew my colleagues would say that they could earn more money than the deposit bank.

Once I boarded the big ship of the investment fund, I realized the importance of the knowledge of the Learning Fund. When I read the information and listened to the lectures on the Internet, I became a mind coach in my spare time. After more than half a year's study, I had a further understanding of the fund. The knowledge of the fund soon enriched my brain. With these knowledge, I could correctly and comprehensively and fairly evaluate a fund company when preparing to subscribe or apply for a fund. It can correctly treat the new and old funds, balance their own fund portfolios, and stick to long-term investments, so as to make healthy investment and happy financial management.

Two, investment funds should have a good mentality.

When I first invested in the fund, I should say that the purpose was simple. At that time, I wanted to get interest income over the same period of bank deposits.

It is precisely because of this mentality that I can persist in the fund market until now.

At the beginning of the investment, the net value of the fund I bought was once below the face value and the minimum amount was 8 gross money. At that time, I firmly believed that the reform of the split share structure of China would be successful. The fund should become an indispensable investment and financial tool for Chinese households as well as stocks. Precisely because of this insistence, I gained 100% of the fund's investment income in 2007.

Looking back now, the time may be longer, but without a good attitude, this gain will surely pass me by.

In addition, as we all know, many people will pay close attention to the change of fund net value every day after buying funds. In fact, this is not necessary, because since you regard investment fund as a long-term financial tool, you don't need to pay close attention to the rise or fall of net fund value at all times (because you can't control it either, unless you no longer invest in funds), so that you can spare more energy to do something you are interested in, and your mind will be much more peaceful.

Three, we should rationally match fund products.

There is no stock market that rises or falls, and there is no stock market that will not fall. Do not put eggs in the same basket, but there will not be many people who can really do that.

From the fourth quarter of 2007, the stock market began to adjust deeply. In this adjustment, bond funds can be said to have done a good job and avoided the risk very well. The net value of equity funds is generally between 20% and 40%. Because of the reasonable matching of fund products, the market value has shrunk less than 10%.

My portfolio is: 50% of the capital investment fund, 30% of the funds to buy bonus insurance, and 20% of the funds exist in banks for rainy days.

Investment funds, I will choose more trust, good performance fund company's products, such as Yi Fonda, letter, Australia, silver and other fund companies, because these companies will give me a sense of security and responsibility.

On the choice of fund varieties, I allocate 50% equity funds, 30% equities and balance funds, and 20% bond funds. In addition, I will make reasonable conversion of these funds according to the development of the stock market, and maximize the profits while controlling risks.

Four, several experiences

Experience is summed up as follows: first, the purchase fund must choose a strong fund company, such as Yi Fang Da, Xin Da Au and other fund companies, because the fund is bought by the fund company, the good fund company's R & D team is strong and strong sense of responsibility, it can give the base people a sense of security, and it will also bring huge investment returns to investors. Two, investment funds must insist on long term holding, and "the scenery should be long enough to see the quantity". After several years of investing in foundation, I feel quite a lot.

I have also felt sad when the investment fund went through the ups and downs. When the net value of the fund fell, I also felt happy when the net value of the fund rose. Because I firmly believe in my original choice, I have been holding the fund until today, and I have seen the rainbow through the wind and rain. Three, I need to know more about the stock market information so as to improve my ability of analysis and judgement, and I can not lose my opinion or miss the opportunity to make money whenever I get wind and grass. Four, I want to have a good attitude, so that the investment fund is like "the clouds are in bottles". In recent years, I can say that I have witnessed it.

As long as there is no money to be used in the future, I will always keep several funds in my hands and let them grow in the family's words.

To this end, I also changed the dividends of these funds to dividend reinvestment, which can increase more investment returns.

You do not manage money, money does not care about you.

I sincerely wish all of you can invest healthily, manage your finances happily and increase more property income.