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普通投资者如何来把握基金投资?基金投资又应该注意什么问题?深交所有关专家表示,基金投资中主要注意以下几个方面。 1."炒基金"的做法不足取 利用"波段"炒作是许多短线客投资股票的方法,但是如果用在基金的投资上则是大错特错。因为基金不是股票,对于开放式基金而言,不存在价格与价值的差异,不像股票一样受供给需求影响,它由基金管理人的运作业绩决定。即使去"炒波段"也并不容易做好。 2.要小心对待换手率较高的基金 较高的换手率会导致交易成本的增加,对基金收益造成影响。对于投资换手率达到1000%的几只基金的投资者来说,损失甚至会达到4%以上。换手率高的另一个问题就是导致基金的投资风格变得难以掌握,投资者无法确定它在组合中将扮演什么样的角色,因此将其纳入组合未必是明智之举。 3.新老基金各有优势 部分投资者认为老基金申购费用高,净值也有了较大升幅,买老基金比买新基金贵,不划算。其实,老有老的好处,比如经验丰富,应付市场变化的能力通常也会比较强。基金不分新老,只分好坏,作为投资者,关键要了解他们的特点,根据自身情况做出适当的选择。 4.不要频繁地申购与赎回基金 股票投资人大量卖出会导致股票市值下跌,基金净值却不会因为遭遇巨额赎回而下降, 实践证明,大部分投资者在赎回后,都会以更高的价格再申购回来,这样很不划算,一般的申购费率为0.25%~0.5%,一个来回,1.5%~2%的收益率便化为乌有。 5.净值高低不是选基金的唯一标准 基金未来的投资收益完全取决于基金管理人的投资水平,与目前基金的净值没有太大关系。要考察基金的历史运作业绩,真正应该关注的指标是"累计净值增长率"。
郑重声明:本站所载内容不作为投资依据,仅供参考,据此入市,风险自担。
Investors should be how to fund investment
Ordinary investors how to grasp the Fund Investment » Fund investments should also pay attention to what » Experts said the Shenzhen Stock Exchange, the Fund invested in the main attention to the following aspects. 1. "Speculation funds" approach Bu Zuqu Use the "band" of many short-term speculation is way off investing in stocks, but if used in the Fund's investment is totally wrong. Not because the fund shares, open-end fund, there is no difference between price and value, unlike stocks, like the impact of supply demand, which fund managers from the operation of performance decision. Even to "speculation band" is not easy to do a good job. 2. To be careful treatment Huan Shoushuai higher Fund Huan Shoushuai will lead to higher transaction costs increase, the impact of the Fund receipts. The investment Huanshou Shuai reached 1,000 percent in a few fund investors, or even the loss will reach more than 4 percent. Huanshou Shuai high Another problem is that the Fund's investment style has become difficult to grasp, investors can not be sure it will play in the composition of what kind of role, be included in combination may not be a wise move. 3. The old and new funds have advantages Some investors believe that the high cost of purchase, the old fund, the net is also a larger increase, bought the old funds than buying new fund expensive, cost-. In fact, a sense of the old benefits, such as experience, the ability to cope with changes in the market tends to be relatively strong. Fund regardless of the old and new, only good or bad points, as investors, the key is to understand their characteristics, in accordance with their own conditions make the appropriate choice. 4. Do not frequently purchase and redemption of Fund Stock investors will lead to massive sell down the stock market, the Fund has not experienced net redemption of the huge decline in Practice has proved that the majority of investors in redemption, will be a higher purchase prices to come back, this is not Cost-effective, the average purchase rate of 0.25 percent to 0.5 percent, a return of 1.5% to 2% rate of return will come to naught. 5. Net level is not the only criterion for election funds Fund investment in our future income depends entirely on the level of investment fund managers, and the current net value of the fund do not have much relationship. To study the history of operational performance of the Fund, the real concern should be the target of "total net growth."
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