怎样选择基金申购赎回的时机

How to choose the timing of the purchase, redemption

How to choose the time
On investment, the ideal situation, is the high parabolic Dixi, dips Jiacang, Fenggaojiancang. Then, in the end timing of investment funds is not the key factor? »
There is no doubt that the market timing of the investment is an important factor. If the rhythm of each sale is to fluctuations in the stock market anastomosis, can naturally maximize investment income. But the timing of the impact on investment income is not decisive, a large number of foreign scholars already done this kind of research, more important than the timing of the asset allocation of the fund's choice and other factors.
First, the timing is very difficult to grasp. When we talk about market timing of the issue, because looking back, so we Kan Deqing market fluctuations, and therefore can speak, we should buy at this time point, that de facto sold. The investment, in the face of the future market, rose and fell to accurately grasp, in fact often the case shortly after the stock market is to buy down, or hastily redemption of the stock market has Fengchang go all the way, this year's The market fully illustrates this point. Of course, some people can indeed make use of excess revenue-band operation, but when the election and do band in addition to luck, more professional. For most usually busy with their daily work to the ordinary people, not to others envied the excess revenue, but should be focused more on the investment vehicle of choice and the allocation of assets.
Second, investment funds, do not have to like investing in stocks, less sensitive to the issue of timing. Although the net value of the Fund as the market fluctuations, but the funds for a professional research team, fund managers will naturally be adjusted according to market fluctuations, the relaxation time, as long as the choice of quality funds, or get good earnings. Moreover, the Fund itself is not short-term investment products, from all types of investment tools comparison, the Fund is an intermediate product, revenue and risks are in the middle level, suitable for medium and long-term investors. Furthermore, also spoke in front of a lot, the trading of fund shares higher fees than the more frequent but more easily lead to operating losses.
Therefore, our view is that an appropriate timing. Choose a relatively low de facto buy, and then investment firm beliefs, to do long-term investment. Investors should be more energy is used to select high-quality funds, do a good job in the investment portfolio. Of course, the Fund's portfolio choices and build a more professional and complicated matter, investors can consider the help of professional financial consultants to help make this work.
Optional when the issue of a revelation to investors, the need to use cash, they should plan ahead, to set aside a certain period of time so you can choose a relatively high de facto redemption. In addition, some how, and can help investors avoid the risks associated timing.
Regular fixed investment
Regular fixed investment is the way regardless of how fluctuations in market prices regularly to buy a fixed amount of funds, high net worth when the Fund, the share buy fewer, and lower the net value of the Fund, the share buy a few more, Feng Gao automatically formed by chips, dips raised the investment. The long run, the monthly low-cost investment diversification and risk can be shared so that the cost of the investment by investors close to the majority of costs for the average.
Now, fund companies through direct sales channels, such as consignment or bank can vote for the business. Regular fixed investment methods, in addition to spread the risks, is also a mandatory savings in financial management tool, suitable for reserve funds for special purposes, such as education reserve, such as pension reserves. Moreover, the threshold for regular fixed relatively low, the minimum monthly investment amount of only 200 yuan, is funding early investors with less financial planning for a better choice.
Institute of converting the Fund
Fund trading charges relatively high, so, if not every market situation, investors redeemed at the option of the Fund, such as market prices good time to re-purchase of the way, it will undoubtedly pay a cost of the investment. In fact, there was no need to complete this operation, many fund companies have to provide investors with the conversion of the fund business, that is, in the same fund company's funds between different conversion, the usual practice in high-risk equity funds And low-risk bond funds, money market funds between the conversion.
Fund investors use conversion business, you can use relatively low investment costs, avoid the risks arising from fluctuations in the stock market. Generally speaking, when the stock market bad, it will be the hands of the equity funds and other investment in high-risk species, into money market funds and other low-risk species, to avoid the losses caused by the stock market fell when the market situation when warming , And then holding the hands of the money market funds and other low-risk low-income variety converted into equity funds or preparation of the Fund in order to fully enjoy the benefits of market gains.
Conversion Fund, a fund business to provide investors with a preferential rate. To the widely's Fund as an example, from equity funds-the Jufeng into money market funds, pay only 0.5% of the redemption fee to the market to the good, then from the money market fund to Guangfa Jufeng, at this time only for money market funds add that part of the proceeds back 1.5 percent share of the costs to purchase, so that the market downturn, through the money market fund to earn a stable income, and then to Equity fund, it also omitted the part of the funds for the purchase.
Therefore, investors in the initial choice of funds, should also consider the fund company's product line is comprehensive and available to the market fluctuations to fund conversion. In addition, investors should note that the different fund, a fund conversion business charges different ways, the specific implementation of the conversion, the fund companies need advice.