1 fund investment
Monthly fixed investment : compulsory savings, in equal shares risk (Smiling Curve)
is scheduled to vote advantage: cost reduction, low threshold, easy to operate
Amount :( income - expenses) * (20% to 50%)
Note: long-term stability and capabilities
Fixed investment funds: equity funds, index funds
long-term objectives : education payments, pensions, etc.
Myth is scheduled to vote:
- Avoid no longer concerned
only the profit does not stop, the market environment has changed a good time to stop to vote, can be secured - Avoid chase sell
long-term gains - Avoid failure is scheduled to vote
a failure did not stop - Avoid redemption operations
redemption does not affect fixed investment, need to apply for termination is scheduled to vote
3 buying opportunity
Currency / bond funds: at any time to buy
Stock / index / mixed funds: buy low, according to the stock market ( Shanghai Composite Index 2k 4k points bear market bull point), select the earnings trend of the past three years higher than the same mean and the Shanghai and Shenzhen 300
Note:When crazy people we care; while others fear us crazy!
For single fund: average or less can buy
average = (nearly 3-year high + lowest point in nearly three years) / 2
4 Add
Bogey chase sell
should be further added below the average
5 redemption opportunity
Currency / bond funds: at any time to sell (special: when banks have to raise interest rates expected to quickly redeem)
Stock / index / mixed funds:
(1) funds for one-time purchase of
- Fund is not only the profit stop
- To set only the profit point stops
- Long-term loss-making should be promptly redeem, redeem all
- Ranks / fund managers / asset allocation / person holding structure changes, redeem all
- The small size of the fund is liquidated , see the announcement as soon as possible to redeem, redeem all
- Higher than the average the past three years, part redemption
- The same company can save conversion fee
(2) for fixed investment fund
- Long-term loss-making should be promptly redeem
6 reasonable asset allocation
Risk diversification: different types ( 4 -6 only), different companies, different risk
types of risk: high (stock / index), medium (mixed), low (currency / bond)
Age asset allocation
asset allocation based on number of years
