Ideas for novices to choose high-quality funds:
1. Don't think so much, choose a large index fund directly, you can choose any channel of SSE 50, CSI 300 index fund, long-term fixed investment, this is the safest choice for novices in the long run;
2. Understand some stocks, you can understand some markets, you can choose the Science and Technology Innovation Board 50 and the Growth Enterprise Market 50, and the ChiNext large-cap index fund, which is a little more volatile than the SSE 50 and CSI 300 index funds.
3. Regular investment is similar to the overseas listed Internet of China, or high-quality Internet companies listed in Hong Kong, these funds have stable long-term returns, because they are all investing in the best Internet companies in the mainland, which are countless times better than some messy stock funds, but there are fluctuations in the short term, and long-term regular investment is worry-free;
4. I understand stocks and the stock market very well, and I have a deep study of the industry, so I can buy funds in this industry when the valuation of a certain industry bottoms out, such as finance, consumption, and technology.
Novices should understand the basic concepts of the fund, understand the trading rules of the fund, understand the purchase method of the fund, and understand the relevant ranking of the fund.
(4) Understand the basic concept of funds: Funds can be divided into <> categories according to the degree of risk. Among them, the lowest risk is money market funds, the risk is slightly controllable bond funds, the higher risk is hybrid funds, and the highest risk is equity funds.
(2) Understand the trading rules of the fund: If you want to buy a fund for financial management, you must understand the trading rules and main fees of the fund. The main fees of fund investment include fund management fee, fund custody fee, fund subscription/subscription fee, fund redemption fee and fund switching fee.
(3) Understand the purchase method of the fund: There are three purchase channels for the fund, namely the official website of the fund company, the bank counter or the bank APP and the third-party fund purchase platform.
(4) Understand the relevant ranking of funds: buying funds does not necessarily mean buying top-ranked funds, but most of the top-ranked funds are of good quality. When the top-ranked funds fall sharply, they can also rely on their own ability to climb higher.
The most reasonable time to buy and sell funds is between 14:30 and 15:00 in the afternoon. Fund valuation can give us a rough idea of the day's net value changes, fund valuation is real-time change, and between 14:30 and 15:00 in the afternoon, we can basically see the day's ups and downs, and basically there will be no major changes.
1. Buying timing:
1. If you are buying an on-exchange fund, you can buy it when the on-exchange fund pulls back to an important support level. It can also be bought in the fund's uptrend without breaking the level.
2. If you buy an over-the-counter fund, you can buy it before three o'clock when the underlying stock or index of the fund falls.
3. If it is a regular investment, you can start at any time as long as it is not at the highest point.
2. Selling timing:
1. Take profit according to the market trend: when the market trend is under pressure, redeem a part of the fund first; If the market is still in an upward trend and has not reached the pressure level, you can continue to hold it.
2. Valuation and profit-taking: If the market or other indices have valuations, and the valuation is too high, it means that the stock price of many underlying stocks is too high, and the probability of the future decline of the stock price is too high, and the drawdown of the fund will be very large.
3. Three introductory knowledge for novices to play funds
1. Where to buy
There are two main types of funds that we buy and sell on weekdays, one is on-exchange funds, which need to be bought and sold through securities accounts; The other type is over-the-counter funds, which can be bought and sold directly on the official website of the corresponding fund company, and of course, they can also be bought and sold on brokers, banks, Alipay, Tiantian Fund Network and other fund distribution platforms.
Because OTC funds have more types of funds, and they can be purchased through Alipay, the "national" APP, most of the people currently buy OTC funds. (For convenience, we will also use Alipay to demonstrate the relevant operation below)
Another point to remind is that, generally speaking, the subscription fees of fund distribution platforms such as Alipay, egg rolls, and Tiantian Fund Network will be lower than those on these distribution platforms in banks and brokerages, and the varieties will be more complete, and you can choose the corresponding platform according to your own needs.
2. How to buy and sell
Let's use Alipay as an example.
(1) Open Alipay and click "Manage" in the lower left corner
(2) Click "Funds" to enter the fund trading interface (3) Search for the desired fund through the magnifying glass of 1 or click the corresponding sub-column in the box of 2 to find the relevant fund. (4) Then enter the trading interface of a fund, click "Buy", enter the amount of funds you intend to buy, and then click "OK".
(5) It is also relatively simple to sell, just click on the fund we originally bought, and then choose to sell.
3. Rules for buying and selling
We must be very clear about the rules of buying and selling, otherwise we are likely to lose money as a result.
(1) The trading time is before 15:00 on the trading day from Monday to Friday, and if it exceeds 15:00 on the same day, it will be counted as the trading on the next trading day. Therefore, when we buy and sell, the time before 15:00 is extremely important, because when we find that a fund has fallen sharply and want to buy or increase positions, but it is only operated after 15:00, and the result is that the price of the next day is bought after 15:00.
At the same time, the transaction cannot be successfully realized on statutory holidays, and if the transaction is carried out on statutory holidays, the transaction will be postponed to the working day.
(2) Funds traded at any time before 15:00 on the trading day will be traded at the price at the close of trading at 15:00, rather than according to the corresponding price at the time of intraday trading.
(3) Buy before 15:00 on the trading day (15:00 is the T day), confirm the share on the T+1 trading day after buying, and check the profit and loss after the net value is updated on the T+1 trading day. Therefore, the funds we bought before 15:00 on the same day will not see the returns until the next day. Many friends often mistakenly think that they have not succeeded in buying, but in fact, it is because they need the next trading day to see the profits.
