Everybody is good, I am every of your old friend bark, catch the topic that attends section class, we continue to introduce specific fund to invest how to be cast today.
Speak of the investment of fund, the most question that is asked is: Market before last 1000 fund, how should be I chosen?
We assume first two kinds of circumstances.
The first kind chooses, the choice slants only kind of fund: The feature is a risk big, anticipate income is high also, imagine, total when Xiong Fu meeting sees accrual is negative situation, and have a deficit more more.
Arrive more when the loss oneself cannot bear and when the heart gives birth to fear, final we are met optional stop deducts a money, abandon be being cast surely. This kind of circumstance, made me go up period mention in the program cast surely abstain from greatly -- stop caustic.
Nevertheless, if we can have carried Xiong Fu's loss, insist to be cast surely, so need not when the index is rising, can earn a lot of profit. For instance from now of the market go up 3100 or so a little bit, because buckle the time of the paragraph to slant,grow, accumulative capital is very much also, can earn the profit with objective brushstroke in virtually so.
The process is very exciting, very painful also, carry live, profit result with respect to meeting redound you smile greatly.
The 2nd kind of choice, deciding those who drop an option is to slant the fund with some more debt (if mix model or bond) , when Xiong Fu, the pay rate of fund is probably also having probably negative, but lose also won't too much. Below this kind of circumstance, it is normal that the mood of investor still calculates, also won't commit naturally " stop caustic (stop buckle) " big fear. Once bovine city comes,can be, your pay rate also is general for certain kind, spoken parts in an opera is: The process is very comfortable, the result is very common. This kind of circumstance, our common says " in smile " or " small smile " .
Above union two setting that choose fund, everybody can ask, have more eclectic choice kind.
Have of course, also be the method that I prefer, that makes an assorted fist namely, use asset configuration to choose the investment target that fund drops surely, if go up period it is to tell everybody, use cast surely, unite the tendency of the market next, go choosing time raise the quota, stop be filled with, so the method that asset deploys, tell everybody the fund different style undertakes mixture collocation namely, find accord with him risk to bear the fund combination of ability, cast surely for yours perfect.
This section class is cent 3 content:
One, (what be) asset configuration concept and theoretical foundation
2, (why) the action that asset configuration decides the play in casting in fund
3, (how to do) union expects earnings, the capital fund that seeks oneself configures combination
The first, we are told simply (what be) asset configuration concept and theoretical foundation, had methodology to add hold, solid hold rise just more direction.
The risk preference that asset configuration is the historical expression with asset category and investor is a foundation, the place in deciding different asset category is investing combination holds proportion, reduce investment risk thereby, raise the method of yield. Summing up two words simply is: Be dispersive!
Accordingly, invest the fund of onefold style only than us, combination of much type fund is in, mean identical when expecting earnings, the risk will be reduced greatly, or assume identical risk to be able to gain higher income, we cast the confidence that insists for a long time to come down surely more sufficient.
at 2 o'clock (why) , asset configures the effect that produces in investment.
Actually " asset is configured " it is a thing that returns human nature.
Our everybody is to not be willing of active in bovine city get away, because if we sell,go out hind, fund stock still continues to rise, we will be exceeding not happy, same argument, asset configuration, joined at this time other for instance the go up resembles snail hinder sb fund of bond fund is combined, special of course not happy, actuation and all displacement becomes the stock that rise model radical.
But you had thought, encounter when you below this kind of circumstance, the action that asset configures greatly the risk that reduced you.
For instance, you had 1 million to buy stock fund completely, the first year stock fund had a deficit 40% , 1 million remain 600 thousand, the 2nd year stock fund earned 40% , change 840 thousand, 160 thousand deficient still.
If do the configuration of a the firstest step, 1 million buy the stock fund of 500 thousand and the bond fund of 500 thousand, the first year, stock fund had a deficit 40% , bond earned 5% , 1 million became 825 thousand. The 2nd year, stock fund earned 40% , bond fund earned 4% , 825 thousand became 966 thousand, answer quickly this!
The truth is so simple but a lot of people are not done.
I know the market has a risk, but see when me everybody buys a stock to be in when making money, I cannot help namely, must open an account immediately kill go in, or be about to miss several 100 million.
Antagonism human nature is the core logic that asset configures.
Asset configuration is to should be between desire and safety seek is balanced one kind, not be pure pursuit desire namely profit is the biggest change. Want self-ordained safe strategy.
Think back to, when your great majority invests, depend on " instinctive impulse " going investing is normal. Plus the program that be combined to fund and does not have a system. Because this drops the trap that follow suit, gain profit oneself to return the market completely not only, even also build originally go in.
Want to make sure oneself investment gains a success, making a detailed plan is very important. Do the advantage that asset configures to depend on, it can dominate a sentiment, avoid to be when the market is good, blind and self-confident, when the market is bad, detest a loss too much, and do not configure enthusiasm fund completely and miss an opportunity, in the final analysis, asset configuration lets him can undertake rationally investing the action.
Of course, after we had done initiative asset to configure combination, not can changeless all the time, in because the market is ceaseless,changing, we want timely trends to adjust your asset to configure scale combination. After you already decided initiative configuration, the balance of your risk and redound, the rhythm as money market balance again.
If fund of an initiative stock and bond fund scale are 60:4The asset of 0 is configured, the likelihood becomes than regular meeting for 45:55, or 75:25. Need to undertake adjustment to oneself asset configuration at this moment, buy the fund kind with skimpy share.
Union expects an end, risk preference, search the asset that suits oneself to configure combination.
Here emphasizes expecting earnings again, and emphasize the capital fund in the asset configuration that this period place says, it is union in domestic manage money matters long-term goal, and the money of this part is do not include course is paragraphic before me in the fund that mentioned family should use now (3-6 the lash-up of total of expenses of lunar family month prepares) , risk safeguard plans fund, 1-3 year big expense, buy a room to buy a car, refer in particular to the money that can make fund be cast for a long time surely however oh.
Accordingly, asset configures even if undertake to this money one allocates: How many scale is used at high venture capital investment to slant kind of fund, how many scale is used at low venture capital investment, bond fund, form an asset to configure combination thereby.
We plan to configured asset to combine, still need ordinal and ceaseless ask oneself 3 questions repeatedly.
How many kinds does plan hold differ type fund?
Am I willing how to many risk assume?
Union expects redound end, does the choice configure a type to set scale?
My individual proposal sends fund kind surely in, above all eliminate money fund, this suits to make cash management tool more. Pure debt kind OK and proper eliminate, the dominant position that drops surely after all is entering at throwing share group by group cost, wave motion of pure debt fund is small, the effect is weak.
On the type of such fund, more recommend a stock model, mix model, index be not pure debt with the part kind fund combination.
The proposal chooses 3 make combination to 4 fund, do not exceed 6 at most, coming is to do rise energy of too wasteful time, 2 come, although theory comes up,the fund amount that says to choose is jumped over more more " safe " , but often, type of a lot of fund is easy coincide, increased a risk instead.
After making clear the fund kind that wants investment, are you willing how to many risk assume?
Suggest you are sure to be in platform of each big fund sale checks, the risk that can assume is big, in anticipating target and asset are combined, slant kind OK and proper raise the quota.
Susceptive risk is little, slant debt kind increase with mixture ratio exemple.
In addition, your anticipation is accrual answered how many satisfaction to sign up for after all?
The answer is not taller of course better, do not make a target so, make a wish.
Invest the investor citing of the type with dovish sex, our investment expects redound end is 15% , so here recommend with of 343 deserve to choose than plan. 30% slant kind of fund 40% mixture fund fund of 30% blame pure debt.
This scale is dovish model investor can make reference, of course also need not forcibly collect is enough 30% or the index of 40% , this is only one roughly scale, if investor is right risk preference is a bit stronger, can consider appreciably to increase pair of stocks or the devoted proportion of mixture fund, perhaps choose to increase model exponential fund; Accordingly, if be a risk,detest model investor, can reduce a share appropriately / mix model the scale of fund, investment is simple dog exponential fund of the index, and increase debt analogy weigh.
Apply to what specific capital fund configures, thinking of to amount to a best asset to configure combination at present actually is very difficult, be in long-term in, the combination that what we can accomplish is fund of dispersive and distinct category deserves to compare, OK also to professional fund research organization, the risk that seeks fund investment matchs program.
To asset configuration, still a lot of content are worth us to discuss learn with deepness, of artificial intelligence apply, the iteration of computer program series upgrades, machine study in domain of financial science and technology apply, believe future is increasing orgnaization of outstanding financial science and technology, can offer to everybody be based on contemporary combination theory more optimized asset configuration sets program, we hold order in order to wait for.
We want to accomplish, understand oneself adequately namely, master clear idea, casting the Internet finance orgnaization that consider to offer such program to you when intelligence is, we look understand. At this moment, ability can think what we use truly.
Good, today's program arrives here, we fall period see.
