投資高手-炒基技巧（Investment expert - fried base skills）

1、投資高手-3炒基技巧（Investment expert -3 fried base skills）Master -3 skills of.Txt based investment speculation love feeling empty empty, his wandering in the street; empty empty money, single paying in the work; it empty empty industry, want to go mad; empty empty bowl basin, the life force is not easy. In

2、a word, All is void! 1., investment funds must read, if in accordance with the type of investment, open-end funds can be divided into equity, bond, capital preservation, configuration and monetary fund five categories, below we see what kind of the most suitable for you.Money fundCapital investment:

3、 asset allocation is mainly central bank bills, short-term bonds, bond buybacks and interbank deposits and cash.Adapt to the crowd: the risk of special fear, funds idle time can not be determined for a long time, hoping to obtain stable income.Special reminder: in the expectation of RMB appreciation

4、, money market liquidity, Monetary Fund revenues remained at around 2%, short-term financing bonds and other new varieties, money fund yields are expected to rise more than 3%, but still expect.Allocation FundCapital investment: the allocation of assets includes stocks, bonds and cash, etc. the dist

5、ribution ratio can be adjusted flexibly according to the market.To adapt to the crowd: moderate risk tolerance, and hope to get a certain excess earnings.Special note: Allocation Fund in 2005 won the income champion, 46 funds, middle-aged earnings in more than 5% of 17, while the lowest income fund

6、for -4.19%. It fully reflects the characteristics of higher income on the basis of taking appropriate risks.Capital Guarantee FundCapital investment: the asset allocation is mainly based on bonds,Having a certain proportion of stock investment.A person who demands a high degree of safety in the prin

7、cipal.Special reminder: in 2006, the stock market, bond market conversion, then guaranteed fund income may decline. In addition, the capital preservation fund provides for the holding period, usually three years, and therefore must be long-term idle funds.Bond fundsCapital investment: the asset allo

8、cation is mainly based on bonds (more than 50%).Adapt to the crowd: higher requirements for capital security, and hope that the income is relatively stable.Special note: after the bond market rose in 2005, the expected return in 2006 may decline.Equity fundsCapital investment: asset allocation mainl

9、y based on shares.Adapt to the crowd: willing to take higher risk, hope to get high returns.Special note: the stock market to pick up the stock fund for future high income possible, but the income gap between equity funds is more prominent, the choice of funds is more critical.2., buy funds to pay a

10、ttention to the choice of different funds, investors profit difference will be how big? According to the latest statistics of galaxy securities, in the 140 equity funds, the gap between the highest growth rate and the lowest one in the past year has exceeded 40 percentage points. Fund analysts remin

11、ded investors, in the current rapid growth in the number of funds, such a huge gap means that the choice of a good fund has become one of the key to determining the level of return.Notably, of the 100 equity funds that have been established for more than a year, 84 have gained over the past year, co

12、mpared with, while 65 have made positive gains over the past year. Fund analysts said, this shows that the stock fund in the overall or outperform the market, confirmed its professional financial capacity.The huge gap between the blue chip fund and the income differential fund shows that the rationa

13、l choice of outstanding and stable fund products has become one of the important factors that determine the level of return. As for how to choose a good fund products, fund analysts suggest that investors in the selection of financial products has four factors: selected companies, select the team, s

14、elect the product, timing, the company should be selected in the first row. In the long run, a good company, a good platform to attract and retain excellent investment team, which is the most basic factor to enhance the performance of sound funds.3. life is the four largest investment skills first f

15、resh social crowd, just to the society of young people have no savings, the value-added of wealth have higher requirements, without the burden of life, strong anti risk ability, the stock fund is very suitable for the crowd. To help these young people make investments and reduce unnecessary consumpt

16、ion, financial experts advise them to use regular fixed fund investments.The second category is the characteristics of this population people marry and settle down, is married the next generation, although the couple income increased, but before the family savings into a house down payment, the mont

17、hly repayment of housing loans also need. Financial experts recommend that the crowd strengthen cash management,Use the automatic Valet purchase business, part of the reserve fund investment monetary fund family, the monthly savings in fixed investment in the way of stock investment funds or hybrid

18、funds.The third category is the middle-aged career forming groups, this part of a successful career, have some savings, investment is mainly to increase the value of your life more secure or for children better prepare for college. Financial planner suggested that this group of people to find a bank

19、 professional financial planner to do a special investment plan, the property in insurance, funds, property and other types of investment in the rational allocation.The fourth category is close to retirement or retired people, such groups of income decreased, but more savings, increased demand for s

20、ecurity. Financial experts suggest that this group of people to invest in a sound based, most of the money used for pension reserves can invest in bond and currency funds, there is surplus, consider mixed funds and equity funds.4., the funds conversion skills, the so-called fund conversion, is the f

21、unds held by the hands of the same fund companys other funds. The advantage is saving time and saving commission. Compared with the ordinary procedure, if the redemption of the fund after the purchase again, need to pay about 2% of the fee, and if the direct conversion, although the provisions of th

22、e various fund companies are not the same, but usually only need to pay 0.5% of the cost of a few fund companies even completely free.Time, from the redemption fund to re purchase, you need to wait for 3-5 working days; and if the direct conversion, you can complete all the operations on the same da

23、y.Then, under what circumstances should we adopt the mode of transformation?First, Jiancang period: because we are not sure which day the most appropriate entry, it might as well buy in advance with the fund companys Monetary Fund, so that once the market appears to be a good buy, direct conversion

24、can be. This approach can not only save a small amount of money, but also for online direct selling, the transaction time of the bank online banking is usually very busy, often prone to errors, resulting in failure to purchase. However, the use of conversion, you do not need to use online banking, a

25、s long as the fund company website unobstructed, you can complete the transaction.Two is the stock market decline period: if we usually use the fund combination way, for example, while investing in stock fund, also equipped with some bond fund, then this time can be put into use. When the stock mark

26、et fell sharply, we can find that the decline in bond funds is certainly significantly less than stock funds, that is the same number of bond funds in the stock market fell sharply after apparently can exchange more stock fund. If the status of the bond fund into equity funds, then when the stock ma

27、rket rebounded, because the stock fund rose faster, obviously can quickly restore the losses caused by the previous fall.However, when operating here, you need to pay attention to two questions. The 1 is the limited number of bond funds, we must ensure that the best steel in the blade, it is not cle

28、ar in the market do not easily convert, be sure that the market has a reversal, began to turn up again for the conversion, in order to ensure complete,Rather, miss the smaller part of the reversal. The 2 is the bond fund is used to balance the risk of us, though converted into stock funds can recoup

29、 their losses faster, but once the loss or restore after reversal after retaliatory rise in prices will slow down, we should remember the original value of the bond fund transfer back, do not covet stock funds could not convert back.This conversion conversion principle also applies to the stock fund

30、s are more robust, because some of the stock fund, change rate is relatively small, so when the stock market is low and turn it into a more radical fund; when the stock market is high risk, then reverse conversion is a reasonable operation mode.Similarly, when we decide to fund changes in the near f

31、uture, we can also determine the final conversion date according to the ups and downs of the days stock market. Because the fund is converted according to the conversion of the day after the closing of the net to determine the conversion ratio between the two assumptions, today the stock market rebo

32、unded sharply, so obviously it is not suitable for conversion of debt to equity funds, because the stock market also rose, stock fund net worth rose faster, you can exchange the stock fund certainly less. The reason is very simple, but then we should be able to quickly understand.Then again, the rec

33、ent cover must be careful to see down efforts to overcome the fear of seeing up excited psychological inertia.5., how to buy funds online, start a bank debit card, and then apply for the opening of online banking,(online banking use online, or to allow banks to teach you to use electronic payment ca

34、rd is not convenient and safe online banking). Choose the right to buy the fund, such as rich benefits, it would be to the rich fund website, the website is Internet, click on the online trading window will appear then, click the new users come in (new registered users or on other websites), then cl

35、ick on the bank card, enter the correct information will appear after the transaction screen, choose customer payment certificate, and then use the bank card online banking use, pay 1 cents, there will be a Wells Fargo Company need to fill in the information. Tim well after successful registration.

36、Then return to the Internet window in direct user landing place on account of the transaction account to ID number to enter the ID, password, authentication code, into the companys trading places, some rich benefits fund behind the purchase, how much to buy their own input, and then according to the

37、 steps step by step, to the agricultural bank card online banking use, paid the money to buy success, 2 days can query and other similar funds.The construction of the steps to bring my ID card to a bank card to apply for Internet banking. Then go home to download a silver certificate, activate the D

38、ragon account. Selected to buy fund web site. A more detailed description of the general fund website (remember the bank card money must be with the subscription or purchase the amount of the fund. The money on the card is equal to the amount of subscription funds is not successful).China Merchants

39、Banks online banking system is very easy to use,After running a card, access to online banking, personal banking, public edition can be all settled, no longer run bank procedures, but the purchase price of the fund did not have any concessions, the only regret!6., shock market base, bull market, buy

40、 fund, for each investor is concerned, it is a very relaxed and pleasant thing. But in the shock market, the market index in a certain channel wandering, investors profit space investment funds become smaller, more difficult to operate, the timing of the choice has become complicated. There are many

41、 fund investors choose redemption, no longer hold funds, but I think the shock market can also cast basis.First, the fund is still worth buying. The shock market, relative to the continuing bullish bull market, is a good time to buy funds, especially index funds and equity funds, although earnings h

42、ave become much more difficult. At this point, the valuation of fund allocation assets has been on the low side, opening up space for future net fund growth. There are many uncertain factors in the future market, investors purchase fund still exists after the net may fall further, but as long as the

43、 ability of fund managers and fund operation are still increasing, market shocks under the funds performance is worth looking forward to.Second, the new fund advantage is more obvious. Despite the shock market, the net value of all funds will have an impact. However, due to the differences in manage

44、ment and operation characteristics of the new and old fund products, the risks and benefits are different. The new fund is in a closed period, only accept the purchase, do not accept redemption, fund managers can use the opportunity to shake the city fully jiancang,Thus minimizing the asset allocati

45、on costs of the fund. Old fund due to heavy positions, can only passively accept the market decline brought about by the decline in net value, coupled with the redemption of fund holders, will accelerate the decline in net fund value. Relative to the new fund, the old fund initiative to adjust the f

46、lexibility of some poor, and the new fund can be adjusted in accordance with changes in the market position in a timely manner. Flexibility in the use of funds has determined that the new fund under the shock market represents a better investment advantage than the old fund.Third, the shock City div

47、idend fund investment potential can not be ignored. Shock market prices, hedge fund investment is more important than to obtain income. Because in the continuous decline in net value, and not to take appropriate investment measures, can only passively reduce the net fund. This can be well reflected

48、in the funds position. Management of outstanding and certain growth fund products, its managers in the shock market, often will not sit and wait, but actively looking for hedge measures. A large proportion of dividends is an effective measure to actively adjust positions and reduce risks. This will

49、not only reduce the fund position before the dividend payment, but also increase the funds by continuing marketing, and reduce the positions after the bonus.Fourth, bond funds and money market funds indispensable configuration. In the shock market, the risk of investors holding funds is greater than

50、 the proceeds. Therefore, investors should allocate a certain proportion of relatively stable fund products, such as bond funds or money market funds, when they invest in fund products,Avoid risks associated with market uncertainty.Fifth, arbitrage opportunities exist in trading funds. Volatility wi

51、ll lead to increased volatility of the market, resulting in frequent fluctuations in the funds net worth, but this can be traded funds for products (closed-end funds, ETF, LOF) and so on to provide favorable trading opportunities. Because there is a certain price difference between the trading price

52、 of these funds in the two market and the net fund value, they have arbitrage space.7., four move through the loss fund, because the stock market ups and downs, there will always be the volatility of the net fund, this volatility is not always upward, there will always be some downward trend. In thi

53、s way, investors will be made a loss. As investors, in the specific process of fund investment, what should be done? The following 4 areas need to be considered by investors.First, the temporary loss of the fund does not mean that the future value-added capacity is limited. Recently, with the adjust

54、ment of the global stock market, there has been a certain degree of adjustment in the stock market, and the fund has a temporary loss in varying degrees. But this loss is due to the short-term market environment. As long as the economy continues to grow, the future growth of the fund is still worth

55、looking forward to.Second, not all fund products will suffer losses. In late January 2008 and early February, the net fund was mainly affected by equity funds, while the bond funds were less affected. In the case of money market funds, it could be said that they were not affected. Because of this, o

56、nly for investors to fund varieties of conversion provides a favorable opportunity. Therefore,No matter in any kind of market environment, there will be a certain degree of profits or losses of the fund products, the market operating characteristics of investors to seize the fund products under diff

57、erent market changes, in order to make the adjustment and rational allocation.Third, the correction is expected to smooth through the funds net volatility period. Although the net value of the fund has fallen temporarily, but as long as there is no below the profit margin set by investors, the prese

58、rvation of the bottom line, or stop loss point, investors do some expected adjustments are also essential. When investors pre accumulated profits of more, facing the market continued to shock the market down, can moderate the redemption of fund shares, while looking for the market to stabilize after

59、 the investment opportunities, actively adjust the fund positions, so as to enhance the confidence of their investment.Fourth, cautious fund products cover. Looking at market changes rather than blindly taking investment action is an important investment decision-making method for fund investment, which requires investors to use it during the