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Since I subscribed since the first open-end funds, through constant observation, study, compare, summarize, summarize some of the experiences of many of the wrong attitude is also very understanding of fund investments, are summarized as follows:
1, far better than investment funds invest in stocks.
(1) better than the stock fund proceeds.
fund of fund managers, all with a wealth of investment experience, profound theoretical knowledge, mature operating state of mind, not the general level of retail investors can compare. 2006, investment funds and the stock market can also reflect this: in 2006 the net increase of less than 100% of the Fund's rare,ghd babyliss pro ghd hair straighteners, but there are still stocks of the investors a loss of 30%. Is annoying and funny people, some investors to buy warrants, continued to cover short positions after falling a total of over 60,000 yuan to buy one day that only warrants to be found. Because the warrants are all trading period, this warrants expired,wholesale mens belts, no longer deal. 6 million yuan to naught. Note that investors are buying do not know what. Go investors generally do not know the size of like a person, but even Kudan chess and Go four paragraphs, how can win?
study the history of China's investment fund, any funds that focus on stocks, later showed remarkable increases. Quotes of the technology network, such as 5.19 shares of blue chips in recent years, non-ferrous metal stocks this year, business unit, military unit. A single stock held by the Fund can not exceed 10% of the funds, a fund held by a single A-shares can not exceed 10% of outstanding shares, and why it can bring up these stocks? Like hundreds of thousands of troops have supported the march, had each taken one, but if some people began marching in the pace of the march, there will be more and more people follow this pace. Other funds are distributed on the market, conflicts, the Fund was able to mobilize a unified capital, focus on holding the stock. Several fund companies and may be a few, dozens of funds focused on holding a stock. If more than half of Suning Appliance, held by the Fund, outstanding shares, are listed Suning about three years time, after rising more than 10 times.
stock fund managers may actually fancy door surveys and extensive collection of macroeconomic data, industry background information. So there are mostly stock funds saw in investment value, represents the market's direction, to get market recognition. Listed as the first day of Suning Appliance, the market price of 20 yuan generally considered more reasonable, easily E Fund Value at the time the company thought it was 50 yuan, 30 yuan is opening the company to break out E Fund, the day a lot of buying, is providing considerable Fung.
we generally small and medium investors, the stock market, almost negligible, and was buried up bubble will not be played! So, unless sufficient and can bear a greater financial loss, it is recommended to give up stock investment, investment to fund, standing on the shoulders of giants, but also a wise move.
(2) fund tax-free dividends, stock dividends to 10% of the income tax.
(3) Funds less risky than stocks. Stock may be a continuous limit, to sell not sell, and the fund is down 2% day of the very rare. Often held as a fund dozens of stocks, a stock fall more, nor will the net result in disaster funds.
(4) Fund Investment idiot can do, so long as buying and selling on it. Require substantial investment in the stock of knowledge, but also often concerned about the market,women's skinny jean, such as the placement of shares, if the time missed does not care about, there will be no small loss. Also takes a lot of time investing in stocks.
so now I have more than 90% of the capital investment of the Fund, but the volume too little, ha ha.

2, fund investors should have sufficient patience, and adhere to long-term investment. According to my experience, at least, hold the fund should be in 1-2 years. For I am concerned, there is no reason to sell the fund, the stock market fell, the fund is much slower response, most of the time fell to Paul got sold, the other end of the world unless it is to be sold to. Fund better than any work of art, jewelry, gold, antiques, guns and ammunition.
Unfortunately, many investors try to be smart to \I bought in August 2004 built GF stable growth fund, was aware of four colleagues have bought, and in June 2006, I know that only I and another colleague still holding the fund, and the remaining All thrown. Cumulative net present is 2.1 yuan. December 2003 to subscribe for the E Fund Strategic Growth Fund, I had colleagues, and I know the highest redemption price is the net accumulation of 1.22, the current accumulated value is 2.4 yuan.
fund investment is certainly a risk, sometimes buying fund to fall below a net, but the decline is temporary, not terrible. Such as the April 28, 1998 established a closed Jijin Ji Jin Xinghua to March 4, 2005 net up 121% over the same period the Shanghai index was down 3.4%; April 2, 2001 established the net rose 53% Jijinkehui the same period, the Shanghai index was down 39.4%. Look at the time a bear market, stocks fell the circumstances, the Fund has experienced a countless number of \% of annual revenue, and even achieved double. What terrible fall? Jijinkehui cumulative net present has a nearly 3 yuan.
Although the Fund's net doubled everywhere, but if benefits are worth the little bit of satisfaction, it is relatively small. This is only the first step in the Long March, the future of the road longer and have more income. Fund investors should look always advisable to keep the spirit of the amount to keep regardless of wind and waves, the spirit is worth a stroll, firmly hold the fund in order to obtain greater benefits.
3, the specific investment products should be of consistently high performance of the Fund from a variety of companies selected, and should buy the old fund, rather than new funds. The reason is very simple, such as a high school student, each semester's grades in school in the top three, the duration of four years, then the first five years of performance what will happen? Clearly, the probability of continued good results great. The newly established fund, I do not understand why so many people to buy. Like to transfer to a new student learning, how can people hold on to much of his academic hope? Meanwhile, some fund performance seems good, the net short-term rapid growth. However, there is no time to see if it has the lowest point is not the bear market? If so, can buy the cheapest stocks, of course, pretty good performance. Therefore, the Fund, while JP Morgan's performed well, but I can not endorse.
Fortunately, my first, second only to buy the fund, are widely distributed and easy E Fund Corporation. In the 2002-2005 bear market, we found that when the index fell, E Fund's NAV fell, but fell less when the market rises, the fund also rose, but the rate of increase than the stock big. E Fund each quarter the company announced the top ten positions in the fund's stock position, are carefully observed. Combined with the company on E Fund report concluded that: I think: E Fund is the best fund companies in China.
4, the new fund is a big misunderstanding cheaper. Many investors buy the fund in the higher growth in net worth to sell, then buy newly issued, net only 1 yuan of funds. This can be downright silly practice. Make a simple example, an old fund, established when the net is 1 yuan,Filial Piety, 10 million copies of issue, position is 80%, buy three stocks, weighted average price is 10 yuan, after the weighted average of these three stocks Prices rose to 15 yuan, the fund value is 1.4 yuan. If investors had bought 10 million, 1% of the time of purchase net of fees, then to 138,600 yuan to appreciate. Then set up a new fund if investors throw all the old fund, net of redemption fees of 0.5%, by 137,907 yuan. New funds to buy 1% of the subscription fee to get 136,527 copies of the new fund. If you still hold the old fund, there are 99,000 copies, each 1.4 yuan, worth 138,600 yuan, while the holders of the new fund would have 136 527 copies, each 1 yuan, worth 136,527 yuan, 2,073 yuan less the toss. If the only new fund is also 10 million copies, 80% position, the same three stocks to buy, but, do not be like the old fund had weighted average price of 10 yuan to buy the stock it? This can only be through the time tunnel. Only weighted average price of 15 yuan to buy. The simple truth, a lot of fund investors do not understand, so almost all of the fund, since its inception, the share to continue to shrink, Harvest service fund was established during the first half of 2004 when more than 110 million shares, the current only 20 billion, that is, the more value because the fund was up high, the more investors to redeem. The face of this ignorance, many fund companies have to compromise, a lot of dividends, so that the net reduced to 1 yuan fund to attract investors. Yi Fang Daping such as steady growth, the establishment of 45 million copies, not long ago that only about 20 million copies, was 0.81 yuan per dividend, immediately close to 100 billion of funds subscribed. But these large proportion of dividend funds, have sold a lot of appreciation potential of the stock would have been a later in a higher position than the offer price to buy.
5, open-end funds as closed-end funds. Open-end funds and closed-end fund share of the difference is mainly fixed. Open-end fund, investors can not sell, can only redeem on the redemption of fund shares after the less; and closed can not be redeemed, can only sell the fund shares are unchanged. But for investors, redemption and selling are the same, the Fund did not, money. Open-end fund the purchase price is based on the Fund's net, no discount, while the bid price of closed-end funds, according to the present situation, is to buy a discount. Net 2 million of closed-end funds generally can buy discount for each purchase. But the closure of the Fund's dividends and open, is not discounted. Open-end funds, mainly through bank buying. Since about 2001, since the closed-end funds are no longer issued, so that investors simply do not know a lot of funds have closed to fund this stuff, but do not know a discount to buy and enjoy other than the excess of net income growth.
6, two open-end fund investment tips:
(1) present in the bank to buy funds generally charge subscription fees of 1.2%, 1.5% purchase fee, redemption fee is 0.5%. On-line transaction fees are much cheaper. If E Fund's equity funds, debit cards issued by Canton, in the E Fund's Web site on internet trading, as long as the subscription and purchase fees of 0.3%, the Agricultural Bank, Construction Bank, Industrial Bank's debit card online transactions The fee is 0.6%. Redemption fees are still 0.5%.
(2) open-end fund's purchase price is based on the closing day of the net to determine. So if you plan to buy open-end funds, if the stock market crash just one day, then three in the afternoon before the purchase, and can reduce the purchase price, the same sum of money, you can buy more shares of the Fund.
above summary of the material that I have been studying the results, the last to remind that, due to the stock market surged in 2006, has accumulated a certain amount of foam, and more likely to adjust . If you buy should choose carefully.