2. Decide which fund company to buy.
3. Judge the market trend and decide the type of fund to invest in.
4. Choose a suitable investment method.
5. Don't "like the new and hate the old" when choosing funds.
6. Continuous attention after purchasing the fund
1. Know your financial objectives and risk coefficient: the risk coefficient is an index to evaluate the fund risk, which is usually expressed by three items: standard deviation, beta coefficient and Sharp coefficient. The smaller the standard deviation, the smaller the fluctuation risk; Beta coefficient is less than 1, the smaller the risk. The higher the Sharp index, the better. The higher the index, which means that the higher the return of the fund after considering risk factors, the better for investors. Everyone will have different considerations when investing because of their age, income and family status, which leads to different rewards and risks that everyone pursues. It's just that risk and reward are always positively related. If you choose a growth fund, you must be psychologically prepared to accept high risks.
2. When deciding which fund company to buy, we should pay attention to the following points: 1, the degree of service, including the professional level of the customer service center line, and whether the online transaction inquiry system is perfect. 2. Choose a fund company with large scale and strong research ability. The large asset scale indicates the strength of the company and the trust of investors. 3. Paying attention to the credit records of fund companies in the past, that is, whether there have been internal related transactions, artificially manipulating performance and other events, can reflect the level and quality of internal control of fund companies to some extent. 4. It is difficult for companies with constant changes to form and inherit high-quality corporate culture and sustained and stable performance, so we should pay attention to whether the results of fund companies are stable, especially whether the fund managers are stable. It is suggested that when investors observe the fund performance, they should not only look at the long-term performance in the past 1 year and 3 years, but also look at the volatility of the fund, such as the annualized standard deviation and the performance of the same type of fund with Sharp index, as the basis for selecting funds.
3. Judge the market trend and decide the type of fund to invest in: It is necessary for investors to have a certain degree of understanding of the investment market. In addition to collecting more information and judging the market or industry and the era of high demand for raw materials, investors can consider investing in raw material energy funds; Or when the Asian economy improves and the future prospects look good, Asian regional funds deserve investors' attention.
4. Choose a suitable investment method: Before preparing to buy a fund, investors should not only consider the nature of funds, their own investment objectives and risk tolerance, but also consider which method is most suitable for them. On the basis of controlling risks, investors should pay more attention to the long-term return and appreciation of fund assets. Therefore, investors need not pay too much attention to the short-term fluctuations of the market, and share the benefits brought by economic growth through medium and long-term investment.
5. Don't "love the new and hate the old" when choosing a fund: many citizens are particularly fond of new funds, but ignore the old ones. The biggest reason is the low net value of the new fund, which is more in line with the appetite of most people. The basic people often ignore the advantages of the old funds. From the perspective of security, most of the old funds have experienced fluctuations in the stock market. When the stock market is adjusted, many old funds know how to avoid risks and have strong resilience. The new fund needs time for the market to test. From the liquidity analysis, the old fund can be purchased and redeemed at any time, while the new fund has a closed period of 1-3 months, during which it cannot be traded. From the perspective of profitability, most of the old funds have already had higher net worth and better rate of return, and the profitability of the new funds also needs market testing.
6. Continuous attention after purchasing the fund: After purchasing the fund, investors still need to constantly check whether the performance of the fund they invest in has changed significantly with the market trend. Investors are advised to go to the website of the fund company to check the monthly report of the fund and the analysis and views of the fund company on market trends. In addition, reading more financial news is also a good way to understand investment information. Investors can also set up stop-loss points to help them manage the fund. When the fund returns to the stop point, it can take profits first. On the other hand, when the market is wrong and the loss of the fund reaches the stop-loss point, it is necessary to consider whether to transfer to the market with more potential.