From 0 to 1, mastering fund investment.

Views 1524 Aug 9, 2023

the hardship of the people, behind the "electric fan" of Merrill Lynch

2020 is destined to be remembered by history. Novel coronavirus broke out all over the world, capital markets fell one after another, stock market, bond market and commodities were all spared. Merrill Lynch clock showed a "fan"-like speed, and panic continued to spread.

Against a backdrop of turmoil, investors and debtors were repeatedly beaten, some tried to buy bonds to stabilize, but the bond market was also trapped by the depletion of liquidity, while the Federal Reserve used up all its ammunition at once and pushed global interest rates into a downward track. finally, it makes Buddhist friends who are based on goods also restless. Investors who survive in the gap can't help thinking, is it not suitable to invest in the year of the Boxer Rat?

In order to solve the confusion of the majority of good friends, Niuniu came out again after the series of "playing the bond market" and made great efforts to create a fund for everyone. There are ten articles in this series, from the foundation of the fund to the advanced investment guide to the practical strategy, you can find the answer to the common questions about the fund.

As the concluding chapter of this series, Niuniu presents a full set of "basic Health Care" here, hoping to provide some inspiration for you on the long road of raising the base.


01 Why invest in funds? Doesn't the stock smell good?

If you like fresh excitement, are not afraid of scarring in several battles, and have a clear sense of criticism of following behavior, the stock market is your Roman arena. In contrast, as a healthy compound interest model, the fund is more suitable for investors who lack time and energy, lack of investment experience and limited funds.

When we put the coin in the game box of the open-end fund, the money starts itsOperation process. When the purchase is completed, the coins will be turned into the management of the fund company, and the fund company will put the coins into different channels: stocks, bonds, currencies, etc. Then ushered in the tense stimulation link: adjust the position according to the market situation, to realize the profit and loss. At the moment, please rest assured that we canRedeem at any timeShare of the fund and recover the cash coins.

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"hard core analysis: is compound interest a" poisoned chicken soup "to become a millionaire?"

02 There are so many kinds of funds, which kind of foundation is suitable for me?

There are many kinds of funds. according to the investment objects, the active funds in the market are generally divided into four categories: stock funds, bond funds, currency funds and mixed funds.

Among them, the stock base is a more radical way of investment, which is suitable for investors who have high risk tolerance and pursue high returns, and the goods base is a safe haven for investors who are tired of being harvested, need money at any time or cannot bear risks. Debt base is regarded as a "stabilizer" in asset allocation by Benjamin Graham, the godfather of Wall Street, especially for investors who pursue soundness and small ambition. The mixed base adopts both radical and conservative investment strategies, which can optimize the return level of the portfolio while avoiding the risk of market volatility.

But Niuniu nagging repeatedly, any investment will always be accompanied by a certain degree of risk, risk and return is a symbiotic relationship.All operations that ignore risks and only look at returns are hooligans!

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"in the campaign to choose a base, investments that only look at the returns are all hooligans."


03 Niuniu reveals the secret: the code between the fund and the stars

There is a saying in the industry-"buy a fund, count the stars". At present, Morningstar fund rating has become quite popular among Chinese investors. For most investment rookies, the fund star is indeed a "screening artifact", providing simple and clear risk tips and past performance references, dazzling fund instant differences.

However, it is irrational to blindly believe in fund rating. When investing, people need to think constantly and gradually form their own investment logic and scientific investment concept.

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"can you make a steady profit by counting the stars? Fund rating should be opened correctly. "


04 how important are reliable fund managers and managers?

Behind each fund, there are fund managers in operation, and behind the fund managers, there is a strong research team in the support of fund companies.

In the fund world with a wide variety and uneven income levels, the first step is to learn to use the power of the strong to choose high-quality fund companies and excellent fund managers, which is also an important guarantee for the protection of assets. Make sure you take the right step, go in the wrong direction, and no matter how hard you try, it will be wrong.

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"just choose the right direction and keep an eye on fund companies and managers."


Do you feel sleepy when you read the recruitment letter? Can you help me make a point?

Fund recruitment letters that are more effective than melatonin, fund periodic reports full of technical terms, and obscure indicator data can be called a necessary combination of insomnia, but they are also a treasure book of risk-return assessment that you have to read.

For the fund recruitment letter of the sleep artifact, you need to at least dig out the fund manager, investment scope, income and distribution, cost and risk factors.

For the fund periodic report of low achiever Crusher, the performance of fund net worth, the change of investment portfolio, the change of fund size and the change of fund manager usually play the role of disclosing key data and early warning of abnormal investment.

Of course, in order to overcome the devil of risk, we also need to master five indicators-standard deviation, Sharp ratio, Alpha, beta and R square, which can provide reference for the assessment of risks and returns to some extent.

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"can't you read the fund recruitment letter? Just look at these indicators. "


06 into the fund of the alternative way of playing, the boss is to play like this?

In addition to the traditional four funds, there are psychedelic letters in the fund world, which represent more complex types of funds and have to marvel at the extraordinary posture of all kinds of financial bosses to make money.

Among them, index funds and ETF funds, which share the same fate with the market, have the advantages of low transaction cost, diversified investment, high transparency and simple operation, but when the stock market crash comes, there will also be large losses; while QDII funds have the advantages of global gold, but also have to bear the blow from the global financial markets.

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"alternative funds-Open the New World of Investment after exposure to Index, ETF and QDII"


07 dumbbell, satellite or pyramid, which fund portfolio is most suitable for you?

In the unpredictable capital market game, if all the chips are put on one target, it is tantamount to magnifying the risk. Once the judgment is contrary to the market trend, the whole game will be lost. A sound base field, we should allocate different types of funds, we can establish a fund portfolio to spread the risk.

At present, there are three kinds of fund portfolio that are widely accepted, namely, dumbbell type, core satellite type and pyramid type. You can also slowly explore a combination that is really suitable for you in actual combat to help you maximize benefits and minimize risks.

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"dumbbells, satellite or pyramids? The most popular fund portfolio is made public. "


08 fund practice: how to buy the fund in the end?

At present, there are three channels to buy funds: through banks to buy funds sold by banks, directly through the website of fund companies, and through the Internet third-party platform to buy funds sold on consignment. Among them, the third way is very popular because of its convenient operation and many kinds of funds.

It should be noted that the cost and time of redemption will also have a direct impact on investment profits, which should not be taken lightly.

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"the strongest practical information: where can I buy the fund? How to grasp the timing of redemption? "


09 long-term fishing, the fund must be a lie or a myth?

There is a saying on Wall Street in the United States that "it is more difficult to accurately step into the market than to catch a flying knife in the air." Buying in batches means that investors no longer have the confusion of "timing", and in the long run, fixed investment can also average investment costs, so that the yield curve will not fluctuate like the stock market.

For investors who are difficult to judge the direction of the market and are not good at timing, the fund is a good choice no matter when it starts.

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"the fund is sure to invest: if you go fishing for a long time, the benefits will not be absent."

Conclusion

Almost every day in 2020 is witnessing history. in the face of the black swans flying all over the sky, some people are infected by panic and are out of the game; there are also some adventurers who uphold the reverse investment thinking of "others are greedy and I am afraid." others fear that I am greedy "reverse investment thinking, in the low point to buy a large number of waiting for a rebound.

Niuniu would like to suggest that when the market is full of "noise", we should analyze the market critically and think rationally about whether the market has investment value or not.

Every market turmoil is an opportunity to re-examine asset allocation. Everyone should adhere to their own principles and investment plans, establish discipline in terms of position level, market indicators, stop profit and loss line, etc., do not catch up with the rise or fall, or blindly follow the trend. Adhere to long-term value investment and pay attention to comprehensive asset allocation.

When you come here to play with the fund teaching series, you have to say goodbye to everyone for the time being, but Niuniu will always be here to answer questions and listen to your complaints. I hope that when I see you again in the near future, everything will be able to keep the clouds open and see the moon.

Disclaimer: The above content does not constitute any act of financial product marketing, investment offer, or financial advice. Before making any investment decision, investors should consider the risk factors related to investment products based on their own circumstances and consult professional investment advisors where necessary.

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