Fund investment is a simple thing, but also a complex thing. The simple point is that there is almost no chaining in transaction mode. You are only involved in subscription and redemption. The operation is very simple. We can generate revenue from both of these businesses. The complication is that we should put some spirit and energy in choosing the priority fund and observing the change in the net value of the fund. This is not easy, so the fund is simple and complex, and it cannot be less. We may have biases that are not linked in any way, because all fund investment gains and losses and fund marketing successes or failures are related to this simplicity and complexity.
Take the simple aspect of investing in funds. Fund purchases are different from subscriptions and subscriptions. Investors have full confidence in the position-building period of fund products and enjoy the feeling and fun of winning new shares. They can choose to buy at the time of fund subscription . If the fund’s returns are uncertain during the opening period, they can choose to buy, and the potential return of the fund’s investment is hidden in these “details” that you don’t pay attention to.
Similarly, if you purchase multiple funds of different types under one fund management company , you can also convert different types of fund products of the same fund management company according to the market changes of fund allocation varieties , which can achieve the purpose of flexible investment. , and can reduce unnecessary purchase and redemption costs. This is also the role of “details”, which help you save money and money.
In addition, the “details” in the fund’s investment concept
These details also allow us to earn more additional income. The subscription and redemption rate of fund products is relatively high, especially the shorter the holding time of fund products, the higher the subscription and redemption rate of fund products . Therefore, fund management companies have developed some fixed-income funds and set different rates. As long as investors adhere to the long-term investment philosophy and purchase fund products, they can not only enjoy lower interest rates, but also enjoy preferential interest rate exemptions during the hedging period. Since there are no certain restrictions, as long as they have a long-term investment philosophy, although small and medium investors do not have strong financial support, they can also obtain higher returns than the operation of the fund products themselves.
Of course, these details will only save us a little money. More importantly, we choose good industries, good themes, and good funds, and enter a good cycle at that time. However, these small sums of money can add up, especially for small investors who don’t have much capital. That is to say, people with big money also think about how to save money, and it makes no difference who is in the province. There is no difference between people who “have more or less funds”, and the more complicated details are how to choose an excellent fund management company, especially a fund management company with strong comprehensive management capabilities. When the performance of a fund is affected by market factors, investors can also switch fund products on the premise of saving costs, killing two birds with one stone.
Another complicated detail is to keep an eye on changes in the fund ‘s net worth . The link between changes in a fund’s NAV and the market relative to its asset allocation has a significant impact. Through the growth results of the fund’s net value, fund investors can observe and understand the change process of the fund’s net value, especially the income changes of the fund allocation varieties, which is also very helpful for earning the fund spread by selling high and attracting low, especially when When the net value fluctuates wildly, it is more suitable to buy stock funds, which are more complicated details in investment funds.
In short, details need to be discovered and excavated, and more details need our continuous experience of long-term investment, so that “details” can be used by themselves, and the advantages of details can be better played.