A summary report based public investment: the experience of four lessons +
A seven-Xin
I was to enter the stock market in 1994, the old shareholders. Remember that stocks make money so easily see the others, his thoughts a bit itchy So take a few hundred dollars on the first testing the waters, did not expect that day to buy, rose the next day, two hundred small profit, and my heart glad that ah! therefore continue to invest, with predictable results. which The stock market has been dismal, until early September to rescue the market introduction of the policy, I bought the stock before they make a little small. but because of greedy, the result would become dead pig is not afraid to open Shui Tang, see when they surf the more stable open-end fund revenue, frequently dividends. That was when the market downturn, making money is difficult, but some also was able to open-end fund dividends every few months, although only two hair around but also valuable. So I tentatively open a bank account, buy an open-end funds, also left a little money to invest in stocks. There really was like a sponge, constantly searching the Internet and fund-related knowledge, learned about practice, out of a new variety to buy, buy high dividend is also a result I am now more than 10 account for only a Jijinduoda. for it takes money to redeem a number of reasons, but to look back today, Any redemption are wrong.
later learned to cover their funds, especially the old fund. some of the funds in a stage performance is not how, rose slowly and then drop quickly, then I know that this is fund manager in the transfer position; to go through this stage you will find on net asset value had wings like a rising stock market fell even fund and still rising, so I understand what investment fund to be patient. All is the fastest learning from mistakes, I also do so. Here is my conclusion.
few errors:
One does not have enough patience. such as bonuses to buy Citic selected in the first half performed poorly in the straw under the last redemption, the results stock market correction in the second half when its shine and become the champion rate of return;
second look at buying high-dividend fund, the net result of growth in a few missed most of the funds; although now buy high dividend fund performance is still a few can be, but also shows the choice of blindness;
third is not timely allocation index funds. If the first half of this year or active investment funds beat the market, then in the second half should be said that index funds reflects the strength. I portfolio, there are equity funds, with partial stock funds, bond funds biased, there are balanced funds, and money funds (money for emergencies), but is missing the index funds. looked at for some time before the index leaps and bounds, and the hands of a few stock funds are like snails generally hesitant, really helpless;
Fourth, investment is too scattered. I read some articles that they have to pay attention to the portfolio. and I am only ten million of principal, has invested more than ten only the funds, equity funds, some investment portfolio similar, a prosperity, a loss for both, it seems, does not make sense. not as several different types of funds selected largest holding, gain even more. Some experience
:
one to be patient, so that fund managers have time to arrange transfer positions, Do not put a dark horse run. such as the Great selection of slower growth in net the previous period, I searched the Internet look, almost drowning in saliva, but now the fund has started a;
second direct use of purchased funds, to minimize the fees. In my city only a few large banks this year, Societe Generale Bank ( 62.01, -0.26, -0.42%) was in, I immediately open an account through Bank of China Unicom to buy the fund, fees to fight the already discounted list, and now Bank of similar activities are carried out. In addition, the bank bought more convenient, easy to open site , the net updated daily; the Fund's website as the traffic increases, congestion often difficult to open, let my heart somehow uneasy, not knowing the whereabouts of the Fund that point.
Third, once the acquisition equity funds, it is necessary to prepare for the long-term investment. I like to buy funds after the charge, on the one hand purchase more shares when the fund, on the other hand as long as the investment of time long enough to charge less. This requires the purchase of considerate as possible before, leave enough petty cash of life and management of the Fund as the main form of cash, so when forced to redeem Fund.
Fourth, the Fund acquired immediately after the conversion to dividend reinvestment. Since we that the rising stock market since last year the beginning of the bull market, then in order to obtain the compound, it is absolutely necessary to fund dividends reinvested.
Fifth choice can often constant dividend fund. I do not like do not pay dividends in the fund, because the stocks do not always take the elevator feel wonderful; the same time, the pursuit of compounding dividends reason for existence is.
six new fund is better than the old fund. Facts have proved that: the old fund in a bull market rate of return than the new fund high more. For me, is the ability to continue to find funds to make money, rather than waiting for the release of new funds.
seven is to uphold the one-time investment is scheduled to vote based on. I start from the end of each month from the wages took out 1,000 yuan, respectively, invested in a stock fund and a balanced fund of 500 million. And if there is a larger amount of money in hand, nor the exclusion of one-time investment when prices fall. now look back on bill and found that the big volatility of the fund, which is scheduled to vote actually smoothing the cost, although only one year, or more significant results. More importantly, I developed a habit of forced savings.
of experience and lessons learned share for the fellow.
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