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许多投资者是在对基金知识一无所知情况下做基民的。去年10月股市见顶6124点后,所有股票型基金随同大盘迅猛下跌,导致基金净值大幅缩水,基民整天忧心忡忡焦虑不安。其实,基民在投资中只要避免一些不当的行为,就能以平和的心态应对基金净值的涨跌。
一、"基"飞蛋打。有些基民为了抓住有利的投资时机,不管基金净值已在高位,频繁调换同一类型的基金,博取之间的短线差价,一旦失误,不但不能获取预期利润,反而亏损。再则,每一次调换基金后,都要支付一定数额的手续费,调换次数越多,支付得也就越多,本来基金收益就相对较低,再加上过多手续费,就会"基"飞蛋打,收益落空。
二、投"基"取巧。基金的基本经营方针是以安全盈利为主,投资策略一般比较保守,并保留一定数额的现金以备投资者赎回。在股市上升阶段,投资基金的收益一般比不上指数的涨幅,投基一定要有这方面的心理准备。反之,跌幅也不会大于股指。基民不能将盈利目标定得象指数上涨比例那样高,这种投"基"取巧的想法,会因预期过高而感到失望。
三、嫁"基"随"基"。不同基金都有自己的投资组合,基金经营管理单位根据自己的实际情况,有的投资组合比较集中,有的较分散,特别是一些特殊基金只集中投资某一特定行业,当它所投资的行业表现良好时,基金收益就高,反之亏损也大。对于投资组合比较集中的单一基金,风险要作适当控制,不能 嫁"基"随"基" ,把鸡蛋放在同一只篮子里。
四、杀"基"取卵。基金不同于股票,一般情况下净值不会在短时期内发生较大变化,许多基民对"蜗牛"式的基金净值增长缺乏耐心,一心想吃个大"胖子",随意赎回基金,往往赎回后就上涨,欲速则不达。基民如果所选的基金较为稳定,持股结构也不错的,在股市低迷时期,不要太计较眼前基金净值的涨跌,杀"基"取卵不可取。
五、坐失良"基"。不少基金投资者在基金净值上涨或下跌中总是优柔寡断,丧失最佳买卖时机。当看到别人投基获益时盲目随从,不懂入市时机,不知价格已升天,买入后,行情向反方向运行而被套 。与此相反的是,在价格长时期低位时,忍受不住煎熬,纷纷出手基金导致亏损。理性基民会宠辱不惊,坐怀不乱,在低位买入,摊薄上档成本,缩短亏损时间。还有一些对基金投资时机把握不准的基民,采取定期定额的方法来平衡购买基金价格,增加投资收益,不至于坐失良"基"。
通过反思笔者懂得:所有的投资品种风险与收益永远是并存的,也没有一种投资行为是一劳永逸的。虽然可以通过专业知识、最快信息、操盘技巧和资金优势,将市场风险控制在最低限度,但证券市场风云变幻,基民只有树立正确投资理念和灵活多变方式,才能获取良好收益。
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。
Five investment funds should avoid misconduct
Many investors in the fund of knowledge is ignorant of the circumstances to do the. Last year, the stock market peaked in October, 6124, all equity fund market with the rapid decline, leading to sharp drop in the net value of the Fund, the anxiety of people are worried about all day. In fact, the Christian Democratic avoid as long as the investment in some improper conduct, will be able to respond in a calm and the mentality of the net value of the Change Fund.
First, the "base" Flying egg fight. Some of the people in order to seize the favorable investment opportunity, regardless of the net in the high and frequent exchange the same types of funds, short-term price difference between the win, once the mistakes will not be able to obtain anticipated profits, but a loss. Furthermore, each time switching Fund, to pay a certain amount of fees, the more the number of exchange, also paid for the more funds have been on relatively low income, coupled with excessive fees, will be "base" - Egg fight, receipts fall through.
Second, the vote "of" trickery. Fund's basic operating principle of security is the main profit, generally more conservative investment strategy and to retain a certain amount of cash for investors redeemed. Rise in the stock market stage, the Fund's investment income generally can not compare's gains, investment base must be psychologically prepared for this area. Instead, the decline in stock prices will not be greater than. - People can not set a profit target as the proportion rose as high, this vote "-" the idea of trickery, due to excessively high expectations are disappointed.
Third, marriage "base" with the "base." Different fund has its own investment portfolio, the fund management unit in accordance with their own actual conditions, some relatively concentrated portfolio, some more decentralized, especially some special investment funds focus on a particular industry, when its investment in the industry Good performance, the Fund on the high-income, but also big losses. For more concentrated portfolio of a single fund, to make appropriate risk control, can not marry a "base" with the "base", only the eggs in the same basket.
Fourth, scrap "the base" Quluan. Unlike the stock fund, under normal circumstances would not net a larger change in a short period of time, many of the people of the "snail" type of fund net growth of the lack of patience, wanted to eat a big "Fat Man", arbitrary withdrawal of funds, often Rose after the redemption, haste makes waste is not reached. If the chosen people of the Fund more stable, the shareholding structure is not bad, the stock market downturn, will not be too care about the current net value of Change Fund, scrapping the "base" Quluan undesirable.
5, miss good "base." Many fund investors in the fund net increase or decrease in the always indecisive, loss of the best trading opportunities. When people see the benefit when the vote-blind followers, do not understand the market opportunity, I do not know the price of going to heaven, buying, market operation and to apply the opposite direction. In contrast to this is that the long-term low prices, can not endure the hardships that have led to the loss of shots. Rational will of the people Chongrubujing, Zuohuaibuluan, buy low, diluted file on the cost and shorten the time loss. Some of the Fund's investment timing of the public not be allowed to take regular fixed way to balance the purchase price of the Fund, increased investment income, will not miss good "base."
I know how to reflect on: all varieties of investment risk and return is always co-exist, but also investment behavior is not a once and for all. Although by professional knowledge, the fastest information, Caopan skills and financial advantages, market risk will be kept to a minimum, but changes in the securities market, the only-establish a correct concept of investment and flexible manner, to get a good income.
Solemnly declare: this site contained not as an investment basis, for reference purposes only and thus enter the market, own risk.