In recent years, the concept of “buying a fund is better than speculating in stocks” has been deeply rooted in the hearts of the people. During the Spring Festival holiday, the fund gentleman went back to his hometown to do a survey, talk about fund investment with relatives and friends, understand the investment situation last year, and experience the ups and downs of new and old funders.
Jijun’s hometown is a small town in Zhejiang. He asked more than a dozen relatives, friends and classmates. Through the survey, it is found that the main force of buying funds now are the children of the post-80s and post-90s. Some entered the market for more than 30000 yuan last year and lost 5000 yuan; There are also tens of thousands of yuan with more than 20 funds, only buy but not sell; There are also small red books and official account buying funds. The loss of homework last year was 20%. Of course, there are also those who have made a lot of money after holding the base for more than two years; In addition, the review area bought funds and operated in reverse. After 95, Jimin kept replenishing positions
As for the new year investment, some people are very optimistic and intend to stick to the star fund manager, value blue chip and fixed income; Others made money from fixed investment funds last year and intend to continue to test the water this year; But there are also short-term operations that spit back the profits by the end of the year. Now I plan to lie on my stomach.
copy homework to buy Star consumption fund
30000 thanks to more than 5000 yuan
Li Qian, a high school classmate, did not pay much attention to the fund in the past few years. He began to invest only a small amount on Alipay, but he made little money in making money. Last year, under the introduction of her bank friends, she took out 35000 yuan and bought a one-year fixed opening partial stock hybrid fund. The manager is a star fund manager with partial consumption style of a head fund company in Shanghai. So far, she has lost more than 5500 yuan.
“Last year, I heard from my friend that she did a good job in 2019 and 2020. I bought tens of thousands of yuan. After buying it, I didn’t watch it every day, or occasionally. It was still red before June last year. It fell sharply in December of the second half of the year and January this year. If I go to see it again, it will turn green.” Li Qian told fund Jun that she would lose if she saw a loss. She simply put it away and thought of selling it when it was ready.
About how to buy funds, Li Qian said, she basically does not know what star fund managers, before watching Alipay recommended, buy a few hundred yuan a month, a few years is earned. “We are busy working and managing children, and we don’t have time to study the fund. Some colleagues recommended it and said yes, so I’ll copy my homework and buy some.” The fund manager looked at her holdings, and Alipay bought funds such as Tianhong, Central Europe, and the Great Wall. The funds such as bonds, stocks, indices, QDII and so on all have, but the amount is very small.
With regard to the investment plan for the new year, Li Qian said that she would continue to test the water and buy some with spare money. Although it is such an environment, because there are always expectations, it can not always be such a state.
has more than 20 funds
now I dare not push
Cousin Wang Yue (a pseudonym) is an employee of a city commercial bank. For the fund products they enter the bank and she plans to recommend to customers, she will buy some first and pay attention to the fund. She will look at the past performance of the fund, the working years of the fund manager, the maximum withdrawal, etc. only when she feels good will she buy it.
Over the past few years, Wang Yue has also bought many funds. She showed the fund gentleman about more than 20, including equity, fixed income, ETF, index enhancement, alternative, etc. she also bought the funds of star fund managers such as kunkun, Chunchun and Lanlan, and matched with popular themes such as new energy, consumption, medicine, semiconductors and military industry.
Overall, so far, in the funds she has bought in recent years, she has made more and lost, “that is, she has made more money, but she has lost a lot recently.” Wang Yue said that the new energy fund bought last year is still profitable, but others are miserable.
In terms of operation, she said that basically, if you buy the fund, you won’t move, you will only pay attention, and you won’t throw it away because of profits. First, the capital invested is not much, just tens of thousands of yuan. It doesn’t matter. Second, it’s not easy to buy a new fund after taking it out. “I think the fund is a long-term investment process, and it shouldn’t be changed all the time. It takes a lot of time and energy to study the stock and choose the time, but the fund can give the money to the fund manager to take care of it. He has more experience in investment.”
In terms of customers, she also said that they lost too much at the beginning of last year. Now they don’t push the fund much and don’t dare to push it. Now, some old-fashioned people will come to their bank to buy some funds. Other customers redeem more, or just keep it still. “Customers came here by themselves in the first two years and will buy it without our recommendation.”
“I won’t buy it for the time being. I’ll see who’s better after this period, because many good fund managers have left and changed jobs.” Wang Yue also said.
read little red books and buy funds
last year’s market entry loss was 20%
Junior high school classmate Zhang Jia (a pseudonym) entered the market in January 2021. At that time, he saw that his colleagues bought it and bought it together. He bought four or five funds with a capital of twenty or thirty thousand. Up to now, he has lost about 20%. “I bought the medical fund of a star female fund manager, which lost the most. Later, I bought some index funds of CSI 300 and CSI 500, which also lost money, but it was relatively better.” She said.
Zhang Jia said that she would read the little red book from east to west. There were a lot of people talking about funds on it. If she felt good, she would buy some; At the same time, we will also look at Alipay’s gold fund or listen to colleagues’ recommendation. “We don’t have much information, that is, we read it on the little red book or official account, and we also bought books for investment, but we didn’t understand it. I mainly decided to vote because I cannot read it. Later I decided to suspend the fixed investment and let it be there.”
As for the new year’s investment plan, she said that the medical fund that has suffered a severe loss will be left alone. She may also look at the index fund. If it is seriously bearish, she will buy some. She feels that the index will not rise and fall, and the loss will not be much. Also participated in new debt, there is no risk.
buy if you scold badly in the comment area
After 95, the Jimin kept replenishing their positions and became a general gang
After graduating from high school, Zhao Bin has 7 years of experience in buying a fund. “I usually have twenty thousand or thirty thousand or 5 different funds, and last year, new energy and Baijiu made money, and semiconductors lost money,” he said. “I will make up for the loss of money in the past 5 years.” She told fund Jun that the most profitable investment in recent years is a new power fund.
Her way of buying the base is a little different. Reverse operation is not to see who is easy to buy, but to see those funds that have been concerned for a long time. If they fall much and are very low, they will buy, or many people scold in the comment area below will buy. “I haven’t changed a lot of funds in recent years, that is, those few have played around and found that there are certain rules.”
As for the investment plan this year, she said that she should not continue to invest. Those who make money will redeem, and the money in her hand will be saved. The next market can not be seen clearly. “I bought a zhonggai Internet before. I lost a lot. I bought it at a high point and kept covering my position. Unexpectedly, it has been falling all the time and has become a Gai help.”
stick to the agreed fund manager products
value blue chip + fixed income portfolio
Cousin sun Yiming (a pseudonym) works as a salesman in a bank. He said that he had invested in the fund for more than two years, which was about 50000 yuan. On the whole, he made a profit, but he didn’t make any profit last year.
At present, the funds are mainly placed in Zhang Kun’s e-fund blue chip and equipped with the “fixed income +” product of another fund company in the south.
“Last year’s consumption fell sharply and the market turned to the cycle. I didn’t redeem to catch up with the cycle, but continued to stick to it, because I agree with Zhang Kun’s investment philosophy. He is not short-term, value investment is more important, and he will have better profitability in three to five years.” He told fund Jun that last year he also bought stocks in the rare earth industry, which is similar to lithium batteries, with low valuation and made a wave.
Sun Yiming is more optimistic about the market in the new year. Now fund companies have bought by themselves and can’t move for several years. There are a lot of institutional funds in the market. He thinks the market will be biased towards value this year. Products with value style can be configured, and fixed income +. He is also optimistic about the automatic driving in new energy, but the high valuation of lithium battery must be corrected. In addition, he also bought zhonggai Internet ETF on the pitch and felt that there should be no problem in the second half of the year.
In terms of investment methods, he said that when he doesn’t choose to buy a fund, it depends on the style of the fund manager. The mixed stocks can be fixed investment, but the fixed income + don’t need it. “I believe in institutions. After all, their professional experience is much better than me. Among them, I prefer value fund managers. Star fund managers are still very reliable, because in fact, no one can eat all bands. For example, I prefer Zhang Kun’s style. He does not adjust his position for short-term income.”
last year, the fixed investment fund earned
the profit of short-term operation at the end of the year vomited back
The post-90s Fang Xiaoling (a pseudonym) bought the star products of the old ten fund companies in Shanghai under the recommendation of the bank in 2020 and bought about 15000. She has taken it for two years. She earned nearly 3000 yuan in 2020 and 500 yuan in 2021, but lost money at the beginning of this year.
“I just save money every month, but I don’t care. I think the fixed investment will last for three years, and the general rate of return is higher than others.” Fang Xiaoling was quite satisfied.
Another cousin after 95, Wang Jie (a pseudonym), said that the energy, medical, military and other funds bought last year invested a total of 30000 or 40000, and basically the profits were spit back by the end of the year.
“I like short-term operation. The products of noan Cai Songsong I bought before are OK. I cashed them directly, but some funds in the back lost money. I still put them. I want to throw them away when they are flat. He will come up. It’s just a matter of time.” Wang Jie told fund Jun that his classmates were also constantly replenishing their positions and finally threw them away. Although the product of a female fund manager has been losing money, many people on the Internet stick to it.
