Category: Money tips Release Date: 2007-07-15
Need to do homework to buy the fund.
In recent days, I often run into some friends, open asked: It is now also available to buy funds? What to buy the fund is good?
On this point, has been bought or not bought by many investors in the fund to face the confusion. After all, the stock had risen to 2100 points, after the huge wealth effect of the fund really exciting, but relatively high stock market letting latecomers will inevitably a little bit "cold Cecil."
In fact, if I answer this question, I would first ask: Are you ready to do long-term investment, or to prepare short-term "Bo" one? Is prepared to fully fund belongings are placed inside, or is ready to steady and gradually increase the proportion of the Fund's investments? Only clear its own investment objectives, can be required to select specific Zaiqu fund products.
"Long war" than "hit a shot for a place"
Gears up,股市快枪手always like to chase sell into a few years ago in the stock market lost a lot of money. However, his wife bought in 2003, a fund, no action over the years, dividends are automatically reinvested into had no idea that three years have passed one operator, has earned more than doubled. Gears up quite unconvinced, every day and doing homework, not as good as the stock market has never concerned about his wife earn more.
In fact, this is the power of long-term investment. Change the short term the stock market up or are normal, but if he picked a good variety of high-quality long-term "cover their" housing, income is very considerable. To buy the fund, in fact, bought a bunch of stock portfolio, and this combination is carefully selected by experts to help you out.
If you remember this principle, it is not the 2100-point becomes less important. As long as investors still have confidence in China's economy, to have confidence in the stock market's long-term development, we can choose a long-term involvement of some funds, although there may be a sudden up or down, but as long as ideas can actually be, "Yao Ding Aoyama does not relax" , the time will naturally bring you good returns.
The greatest taboo is to fund as the stock to "speculation", a rose on the cash, a down on the flesh, often in exchange for in exchange for, or hope to buy the fund flourishes, this attitude tends to lose the wife of another folded soldiers. We should know that the sale of the Fund's fees, but play the stock market much higher than the ah.
So, some friends always ask me, and now buy a fund, how much can earn a year? I can only say, you have to expect to earn a year how much better not to invest funds, once he had made based China should carry out long-term "resistance" in preparation, calculations about 3 years, 5 years, how much profit. From the international market experience, in the long run, investment funds, banks earn more than their deposit.
"Regularly scheduled to vote" than "strike out"
Xiao Zhang doctors, working three years, they have had some savings, stocks have never done, nor bought the fund. To hear a neighbor say that this year bought the fund earned 80%, green with envy, so ready to put all their savings to buy into the fund.
I advised him, do not want to eat into a fat one. Like him lack of experience of the investors, initially better slowly, first as part of the money voted into the water to try to earn a little "experience value" to say.
As already mentioned, they buy the fund is actually bought a bunch of stocks, a novice, suddenly put all belongings are put into the stock market, the risk is significant. Especially for people like Xiao Zhang In this way, the next few years should prepare buy a house, get married, cost is not small, but also should be noted that diversification of investments to avoid losing money to make their "flexibility."
Now the stock market had risen to 2100 points, and correction of the probability has increased. For starters, use "set to vote on a regular basis" approach to circumvent the risk of stock market is the best economical. "Regularly scheduled to vote" means a monthly fixed sum of money to buy investment fund, for example, 3,000 yuan, if the fund of high net worth, and less to buy some, lower net worth, the same amount of money can buy shares on the more. This average down your costs will be lower than the market, the relative risk also a lot smaller.
More convenient it is now, there are many funds have been launched, "scheduled to vote on a regular basis" business, as long as a choice, a month after the bank will automatically help you purchase, would not worry and effort? (Send
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