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教你五招看基金的招募说明书

作者: 来源:网络文章 时间:2008-11-22 阅读: 30352

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  买东西应当买得明明白白,买基金也是如此。在购买基金之前,一项非常必要的功课就是阅读基金招募说明书。
  理由很简单,基金招募说明书是基金最重要、最基本的信息披露文件,有助于投资者充分了解将要买入的基金。
  不过,基金招募说明书一般都洋洋万言,究竟该怎样阅读才好呢?下面就由理财专家教你五招,让你轻松明白看懂基金招募说明书。
  一看基金管理人。要细看说明书中对基金管理公司和公司高管的情况介绍,以及拟任基金经理的专业背景和从业经验的介绍。优质专业的基金管理公司和投资研究团队是基金投资得以良好运作的保障。
  二看过往业绩。以往业绩可以在一定程度上反映基金业绩的持续性和稳定性。开放式基金每6个月会更新招募说明书,其中投资业绩部分值得投资者好好分析比较。
  三看风险。这其实是招募说明书对投资者最为关键的部分之一。招募说明书中会详细说明基金投资的潜在风险,一般会从市场风险、信用风险、流动性风险、管理风险等方面来作说明。只有明了风险,投资才能更加理性。
  四看投资策略。投资策略是基金实现投资目标的具体计划,描述基金将如何选择以及在股票、债券和其他金融工具与产品之间进行配置。目前大多数基金均对投资组合中各类资产的配置比例作出了明确限定,这和基金投资风险是直接相关的。
  五看费用。基金涉及的费用主要有认购/申购费、赎回费、管理费和托管费等。这些在招募说明书中都会有详细列出,投资者可据此比较各个基金的费率水平。

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。

You look at the five strokes of the fund prospectuses

Buy, buy and should be clearly in vain, to buy funds as well. In the purchase of the Fund, a very necessary homework is to read the fund prospectuses.
The reason is very simple, fund prospectuses is the most important and the most basic information disclosure documents, help investors fully understand the fund will be purchased.
However, the fund prospectuses are generally ocean 10,000-word, is how to read? Caihao » Below on the financial management experts teach you by five strokes and allows you to easily understand that the Fund prospectuses.
A look at fund managers. To look at the brochure for fund management companies and corporate executives on the situation, as well as fund managers engaged in professional background and experience in business briefing. The quality of professional fund management companies and investment fund investment research team is able to work well protected.
Second look at past performance. Past performance can to a certain extent, reflect the performance of the continuity and stability. Open-end funds every six months will be updated prospectuses, including investment performance worthy of some investors a good analysis and comparison.
Third see risk. This is in fact prospectuses to investors one of the most crucial part of. Prospectuses will be detailed description of the potential risks of investment funds, usually from market risk, credit risk, liquidity risk, risk management and other aspects for illustration. Only by understanding the risk, investment can be more rational.
Look at the four investment strategies. Fund investment strategy is to achieve investment objectives of the specific plan, the Fund will describe how to choose and in stocks, bonds and other financial instruments and products between the target. At present the majority of funds are the investment portfolio of various assets of the targeted ratio of a clear limit, and fund investment risk is directly related.
Five look at cost. Fund the costs of a major subscription / purchase fees, redemption fees, management fees and trustee fees. In the prospectuses of these will have a detailed list, which investors can compare the various funds rate level.
 
Solemnly declare: this site contained not as an investment basis, for reference purposes only and thus enter the market, own risk.

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