Investment risk is inevitable, but it can be controlled. Then, as a beginner fund investor, how can we better grasp the risk of fund investment? Bian Xiao has compiled five measures to control fund investment risks here for your reference. I hope you get something from reading!
Securities investment reduces investment risk
In the financial market, fund investment, like other investments, is accompanied by risks and benefits. As a fund investor, you must first be clear about two things, one is your risk tolerance, and the other is your income target. Don't blindly follow suit.
Generally speaking, the younger you are, the stronger your ability to take risks. In addition, under the same conditions, the better the psychological quality of investors, the stronger their ability to take risks. The different risk-taking ability determines whether the fund portfolio is more defensive or more offensive.
Different family and financial conditions affect investors' investment objectives, and different investment objectives affect the combination of funds. For example, a family's biggest investment goal is to buy a house, so the fund portfolio he chooses should be more conservative.
Check whether the fund rating is good enough.
If you are an office worker and have some savings after working for several years, you want to preserve and increase your wealth through fund management, but you don't have time to study the prospectus and regular reports of fund companies, or you don't have the professional knowledge of evaluating funds at all. It is a simple but effective method to pay close attention to the evaluation of fund products by rating agencies on a regular basis.
Avoid funds that change hands too often.
In the long run, funds with low turnover rate perform better, which shows that it is valuable for fund managers to stick to their investment philosophy. Although sometimes some investment ideas are not suitable for a certain stage of the market, it is valuable to keep up with market changes, but few fund managers can do this. More fund managers blindly operate in markets that are not suitable for their own ideas, but they are easily confused. For fund investors, you should be more patient when your excellent fund does not perform well in a certain period of time.
Some data also show that the low turnover rate portfolio has the best cumulative performance, while the high turnover rate portfolio has the worst cumulative performance.
Choose a fund manager with the right style
A good fund manager can seize the opportunity when it goes up and control the retreat when it goes down. In addition, we should also pay attention to the investment style of fund managers. The so-called investment style is the investment characteristics of fund managers' investment ideas, such as some are good at growth stocks and some are good at blue chips. It is best to choose a fund manager that suits your investment style. In addition, fund companies operate in groups, and it is also important for different managers of fund companies to be good at various styles.
The stability of the core team of fund companies is very important.
As we all know, the stability of fund management and investment research team plays a vital role in the performance of the fund. A stable fund team can fully inherit the company's best investment culture, ensure the continuity of investment and research style, and the investment performance will be more stable. On the contrary, the management and investment research team frequently change, and the consistency of strategy and style is repeatedly destroyed, so it is naturally difficult to guarantee the sustainability of this fund.
In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.
From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.
All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.
Tip:
First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.
Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.
Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.
Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.
Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.
Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.
Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.
Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.
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