Investors Fund Set Seven Major Magic Weapons

Nowadays,

Magic weapon 1: high volatility fund should be selected

Compared with the equal share investment method, the regular fixed investment method has the advantage of buying less shares at high position and buying more shares at lower positions, thus achieving lower average cost.

Therefore, the more fluctuating funds are, the more suitable the regular fixed investment method is.

Magic weapon two: we must choose the date of fixed investment.

If we take statistics from 1991 to February 2011, we will find that the index level is low 4 days before each month. If we implement fixed investment in these days, we can get relatively low market timing.

Of course, with the continuous progress of various institutions' fixed investment platforms, more and more institutions have been able to achieve weekly or even scheduled investment.

Therefore, another help to avoid the small difference between the fixed and small investments caused by choosing a day is to shorten the time interval of fixed investment, for example, the monthly fixed investment of 4000 yuan will be changed to 1000 yuan per week, or even every 2 days or even 3 days, so that it will be closer to the average price of the market at a stage.

Magic weapon three: clever use of fund conversion

Many fund holders who invest regularly in regular funds often choose to store the rich funds in the IMF, and redeem them before the date of execution, so as to ensure that sufficient funds are available for the fixed investment.

This way of operation is troublesome, and because of the time difference between the redemption and fixed investment of the IMF, it will lose 1 days or more of the IMF income.

In fact, many fund investment platform not only supports regular purchase, but also supports regular conversion functions.

It can be set up to convert the money market funds to a fixed fund every month, so that the trouble of manual operation can be avoided, and the paction can be realized on the same day, so as to avoid the idle funds.

Of course, the premise of the above method is that the two funds must belong to a fund company, and the subscription platform supports the function of regular conversion.

Magic weapon four: value averaging strategy

The value average strategy put forward by American scholar Michael Edelson is proved to be a better investment strategy than regular quota.

Compared with regular fixed investment, the value averaging strategy concerns not how much the monthly fixed investment is, but how much our net asset value rises every month.

Suppose we can plan to increase the market value of the fund by 1000 yuan per month. Please note that the market value of the fund is increased by 1000 yuan, rather than the purchase of 1000 yuan fund.

The first month bought 1000 net worth at a net worth of 1 yuan. The stock market performed well in the second month, and the net value of the fund you bought turned into 1.2 yuan, that is, the market value of the fund changed to 1200 yuan.

According to the regular quota method, the amount of funds to be purchased in the next month is still 1000 yuan, but the average value strategy is different. What we require is that the market value of the fund will reach 2000 yuan at the end of second months. Now that there is already 1200 yuan, then only 666.67 yuan can be invested in 800 yuan in that month.

Magic weapon five: dynamic balance of asset allocation

In general, when we talk about regular fixed investment, funds are often directed against one fund or one type of fund.

In fact, asset allocation is also an indispensable concept of long-term investment, so it is absolutely possible to combine the two.

For example, we decided to build a fixed investment portfolio of 50% equity funds and 50% bond funds at 3000 yuan per month. Initially, the monthly fixed investment funds will have 1500 yuan into bond funds and equity funds.

But after a month's change, equity funds fell to 1300 yuan, while bonds rose to 1600 yuan. In order to maintain 50:50's asset allocation, we need to make dynamic balance in the process of fixed investment, that is, invest 1650 yuan to equity funds, so that its total market value will reach 2950 yuan and invest 1350 yuan, so that the bond fund's market value will reach 2950 yuan, and the ratio will continue to be 50:50.

Magic weapon six: fixed-point reinforcement method

Fixed point strengthening is to increase or reduce the share of a certain fund on a regular basis based on our own judgement on a regular basis, with a view to enhancing returns through a certain degree of subjective judgement.

Common fixed-point reinforcement methods can be based on index or valuation.

The former is to stipulate that if the Shanghai Composite Index or other iconic index falls below a few points, additional additional funds will be added to accumulate more shares at a relatively low level, such as the Huaan fund will support such a mode, and the other is based on the valuation index such as the price earnings ratio or the market rate, and the additional amount of additional funds should be less than the times. This requires investors to pay attention to and operate on their own.

Another kind of fixed-point reinforcement method is combined with asset portfolio + dynamic balance, does not add or reduce the total fund shares, but adjusts the proportion of two types of assets, such as stocks and bonds.

For example, when the market rate is higher than 4.5 times, the proportion of already held equity funds and bond funds should be adjusted to 50:50, and the monthly fixed investment amount will be dynamically balanced according to 50:50. When the market rate is less than 2.5 times, it will choose to adjust the equity fund and Bond Fund to 90:10, and balance the fixed amount of investment in accordance with this ratio every month. This will ensure that the monthly fixed quota amount is unchanged and the share of the stock fund can be adjusted, so as to realize the optimization of the regular quota.

Magic weapon seven: sealed base can also be cast.

Although regular fixed investment has always been highly regarded by open-ended funds, closed-end funds can also be set up as a fixed investment, but this requires us to operate on the two tier market.

Compared with the market price of weekly closed-end fund, we can also observe the change of the premium rate of closed-end funds conveniently. We can dynamically adjust the amount of fixed investment according to the premium rate. When we have a premium rate of over 30%, we will invest more in closed funds. When the premium rate is too small (for example, less than 10%), we will reduce some of the closed-end funds so as to further strengthen the regular quota.