Ways to avoid the risk of fund
Hot stock market, so that the Fund also provides investors a high return. Only investors in the investment fund has been fully aware of the risks and know the maximum to avoid the risk of funds so as to avoid blind speculation and irrational investment behavior, investment market to the healthy development of the majority of investors are also a prerequisite for substantial gains.
Through access to information to analyze risk
Fund is administered by professional fund managers, or team of experts to the operation and management. They have a great deal of financial, market and trading information, a wide range of sources and information flow, there is a wealth of information every day continuously transported to their office desktop, to provide management decision-making, investment and use, they have more professional knowledge, more resources. In addition individuals can also be read each day / week the market quotation and the fund prospectuses, a careful analysis of the Fund to purchase long-term performance and short-term performance, combined with their risk preferences and financial goals, concerns and evaluate the purchase of the risks and returns of funds .
Focus on access to: the Fund stated goal, the Fund invests (the proportion of damaged stocks, trade allocation and to re-stock changes in information), the fund management team and fund the cost of the overall quality of the composition.
Through the past to compare the performance of risk
To invest in people, you can use a fund's past performance and the market close on the fund performance or a comparison of the same amount of investment of the same type of comparison of the Fund. Lot of financial services, banking, funds and newspaper website, coal will track and report performance and ratings of fund performance with the situation. For example: Morningstar fund rating, Morningstar ranked the fund returns for each day / week of finance, capital market pricing information as well as monthly / quarter / year reporting of fund performance, investment funds will be about a more complete and detailed information. Some sites also provide sophisticated tools to open-end fund to display and sort to help investors make decisions. You can make use of the Fund's historical data to objectively, there is a fund based on risk and earnings estimates and assessment.
Through a number of investments to spread risks
In relation to an independent investor, funds of funds may be limited funds to invest in more channels. For the different risk tolerance, investors can buy a few fund management company's open-end funds, through the Fund's portfolio holds 15 to 30 sectors of the stock of not less than 50, so that a small investor can achieve investment in a variety of objectives: At the same time, investment in a number of investment products, a number of investment types and number of fund companies. According to the principle of diversification of the Fund's investments, a number of investment decision-making and practice the benefits are obvious, diversification can reduce risk without sacrificing expected return. As long as investors for their own type, could be found with their risk tolerance of the fund to match the varieties.
Through long-term holders to reduce the risk of
Long-term investment is spread over 10 years to hold a fund held by the risk of one year than many small. Is one of the reasons for 10 years, there will always be some good years and bad years, good years to offset the revenue loss of a bad year, so the yield will be smaller by the fluctuations in the rate of return do you expect growth. Domestic and foreign experience and many studies have shown that under a long-term investment perspective, investors bear the risk of the actual short-term investments is far below the risk level of behavior. China's stock market performance also reflected in the stock funds from 2001 to 2006, 6 years, for investors on the overall 21% compound annual rate of return.
Through the asset allocation to reduce risk
Asset allocation is the investor's assets in mixed funds, stock funds, bond funds and money market funds distribution between effective to optimize the investment portfolio and to maximize the value. For instance: 10,000 won can be used to invest in three or five open-end fund, a money market fund, a bond fund, a mixed funds and equity funds and two major fund. Because of mixed funds, stock funds, bond funds and money market funds are not highly relevant to the type of investment, the analysis shows that the portfolio of assets can realize the relevance of low-grade. If we put money funds, bonds, stock funds to build a portfolio, according to their risk tolerance to determine the appropriate ratio of investment, risk will be greatly reduced.
Through the Fund will be voted to reduce the risk of
At present the major banks are set to launch a fund for business. Is fixed, at a fixed period of time (for example, 25 per month) to a fixed amount (such as 500) to invest in the same open-end funds only. Its greatest advantage is the average investment costs and avoid the risk of election. How to carry out the Fund will be voted, Saver article in subsequent fiscal years will be introduced.
Regular investment, add up. Plot sand into towers, unknowingly, a small accumulation of wealth. Simplicity, automatic debit. Are scheduled to vote in the General Fund to sell through the agency signed a contract for the first procedure, after each charge will be automatically purchase. Average investment, spread the risks. Time funds are sub-phases, and investment cost of an average, the maximum spread of risk.
Featured Merchants Bank is scheduled to vote smart business, worthy of the bank's ads "because of the change you." Smart is scheduled to vote operations are scheduled to vote in the general fund an upgraded version of the business, you can freely set the charge cycle, charge date, charge number, the cumulative amount of such charge. Saver think have a very intimate functions, such as insufficient funds account, a number of unsuccessful consecutive charged automatically cancel the chargeback period. In addition, the bank to sell the 200 funds can be set for implementation of Intelligent Well
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