Fund Investment Skills: Do Not Care About The Net Value Of The Fund Every Day.

Buying funds is to admit that experts should manage their money better than themselves, instead of hyping funds like stocks, or even earning a difference to redeem them. We have to believe that fund managers have the ability to judge the market.

Many investors will choose a lower price fund when buying funds, which is a wrong choice.

For example, the A fund and the B fund were established and operated at the same time. After a year, the net value of the A fund unit reached 2 yuan / share, while the net value of the B fund unit was only 1.20 yuan / share. According to this rate of return, the net value of the A fund unit will reach 4 yuan / share in a year, but the net value of the B fund unit can only be 1.44 yuan / share.

If you buy the B fund in the first year, the proceeds will be much less than that of the A fund.

Therefore, when buying funds, we must look at the fund.

Rather than looking at the price.

Most of the funds currently issued are open stock funds, which are the most risky fund types in China's fund industry.

Some investors believe that the stock market is going through the bull market. Many funds are issued through major banks, so there will be no risk.

But they do not know that the fund is just an expert who will invest and manage money on behalf of you. They will take your money to buy securities. As with any investment, there is a certain risk. This risk will never disappear completely.

If you do not have enough risk taking ability, you should buy partial debt or bond funds, or even money market funds.

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In order to cater for the needs of investors to buy cheap funds, the funds that operate better for a period of time are split to make their net worth one.

Try to sell some of the stocks held by the fund before the return of the fund and expand the scale and buy a large number of stocks, not to mention how much they charge for the sale and purchase of stocks. There is a certain risk in the rush buying after the expansion of the scale. In fact, the performance of the fund based on this marketing method is far from satisfactory.

In the mature foreign fund market, the newly issued fund must have its own characteristics, otherwise it will be difficult to attract investors' eyeballs.

But many investors in China only buy the new development fund. They think that only the new development fund is issued at the face value of 1 yuan, which is the cheapest.

In fact, apart from some new funds with distinct characteristics, the old fund has more advantages than the new fund.

First of all, the old fund's past performance can be used to measure the management level of the fund managers, while the consideration of the new fund performance is very uncertain. Secondly, the new fund has to complete the warehouse clearance task in half a year, and some of them are short in warehouse time. In such a short period of time, a large amount of funds must be invested in the limited stock market.

In addition, the new fund will pay stamp duty and handling fee when it builds its warehouse, and the old fund will not have such a part of the cost. Finally, the old fund will have some shares locked up at the issue price, which will be a stable income in the future, and the research team of the old fund will generally be more mature than the new fund.

Therefore, the old fund should be preferred when purchasing funds.

Open and closed are two different forms of fund, which have their own advantages in operation.

The open type can be redeemed at any time by net value, but the closed form has no redemption pressure, so its capital utilization efficiency is much higher than that of the open type.

Some funds in order to cater to the investor's quick profit mentality, closed period one over, immediately divide the red, this kind of practice is to take the investors' left pocket money out into the right pocket, without any practical significance.

Instead of focusing on investors, it is better to focus on Market Research and fund management.

The fund invested by Buffett, the investment master, is generally not paid dividends. He thinks his investment ability should be above other investors, and the money will increase faster in his hands.

Therefore, investors must pay more attention to the growth rate of net value rather than dividend.