How lazy people play securities investment

推薦連結:紀念冊

Besides buying and selling stocks, the basic account can do many things. For example, buy funds, buy treasury bonds, corporate bonds, reverse repurchase of treasury bonds, financial products of securities companies. Compared with stocks, these investment methods are less volatile. If you grasp certain investment opportunities and skills, you can easily make money.

Exchange Fund

Lazy case

Mr. Jiang is an old investor. After several rounds of bull bear conversion, he found that the investment fund did not earn less than his own stock speculation, and paid much less energy. But if he went to the bank to buy funds, he would find it very troublesome.

Financial Countermeasures

There are two ways to buy and sell funds. One is over-the-counter trading, through the bank counter, online banking, securities company counter, fund company website and other channels; The other is to use the securities account to buy and sell exchange funds, which are directly listed on the stock exchange. They mainly include closed-end funds, lof (Listed Open-end Funds), ETF (trading open-end index funds), etc.

Specifically speaking, the method of trading floor funds is: log in the securities software, the rules of floor funds purchase are the same as individual stocks, with a minimum of 100 shares. It should be noted that if you want to buy an exchange traded fund, you should click the "stock" column in the trading interface below the trading software. Of course, you can also apply for and redeem the OTC fund through the "fund" column. Usually, the securities company will discount the application fee, which is lower than the cost of buying the fund through the bank channel.

Buying funds with securities accounts can also be combined with the method of "fixed investment of funds".

It should be said that "fixed investment fund" is a good investment strategy, but many investors have misunderstandings about it. They think that fixed investment fund, with eyes closed, as long as we persist, regardless of the bull market and bear market, will definitely overcome market fluctuations and make money.

However, the A-share market is an emerging market with a history of more than 20 years. The long-term trend of the stock market has not yet been tested. Moreover, the characteristics of "bull short and bear long" are remarkable, and the return on investment will always return to its original shape.

For example, in 2001, the A-share index was more than 2300 points. In 17 years, it experienced two rounds of bull market. At present, the index is around 3100 points. If we hold the fund or invest for 17 years, the compound rate of return is about 1.78%, which is not equal to the inflation rate in successive years.

Therefore, although buying funds with fixed investment is a "lazy man's financial management" method, it doesn't need to spend time researching stocks, but it doesn't mean you don't have to do anything. When buying funds in A-share market, we must know "when to buy" and "when to exit".

Generally speaking, we should judge the trend first, buy the fund when the market is close to the bottom or in a volatile market, hold it for a long time, and redeem the fund gradually in a bull market. In the process of such a bear market to a bull market, it is easy to earn money. Then, wait for the next low to intervene again.