The fund has intelligent fixed investment thermal time choice and efficiency even more advantages – -clonecd

The fund has intelligent fixed investment thermal time choice and efficiency even more advantages – fund channel investment psychologists have said: in any investment, the need to avoid the "band wagon effect" and "loser effect". The former refers to the investors in the market, always follow the band, carrying the task of "playing head car", this trend was obvious in the bull market, until the risk comes, investors hasty; the latter refers to the retail investment frustrated, often as "defeated the hound", see themselves as disadvantaged, to spearhead the investment tools of producers and sellers, no longer buy financial products. These two effects also reflect the difficulty and pain point of fund investment: when to buy? Can I help you? When is it going to sell? "The fund investment strategy wise, can help investors to buy some weakening, diluted cost, selling the right choice in their own hands." TX Investment Research Center Manager Jia Zhi said. According to the assessment center director Wang Qunhang Ji An Jinxin Fund (blog, micro-blog), the domestic securities investment fund investment rose in 2008, in order to investors "load shifting" ironing "cost". With the passage of time, investment strategy has become more and more abundant, divided into double, single and double uncertain multiple strategies. The double fixed is the traditional fixed quota; the single order is irregular, fixed, or regular, not fixed; double indefinite, that is, irregular, not fixed. At present, will be facing several major errors: one must equal investment. In fact, when the market fell more than 2%, the equivalent investment is likely to miss the opportunity of opening. If the market decline compared with the previous day had no obvious change, should maintain the same amount of fixed investment. If the market always does not move sideways, it should slowly reduce the amount of fixed investment. The two is scheduled to vote must insist for a long time, as long as the sales agency signed investment agreement, will not have to care about the market price. In fact, investment cycle is best not more than a CBBC cycle, otherwise it may loss quilt. The three is scheduled to vote for education and pensions, is only retail patent. In fact, institutions can also share the band bonus through investment, in addition to education and pensions, short-term funds can also participate in the vote. Day general manager Philip fund products Li Jun believes that in this context, the traditional fund investment model requires a cross cycle and reverse cycle marketing, in order to get rid of the short-term bull market "within 3 months of a field will rise the embarrassment". In general, don’t let investors rack their brains about "when to buy" and "what to buy"". The "white box express mode intelligent fixed investment strategy" came into being. The so-called white box explicit strategy is to clearly tell investors what kind of portfolio investment strategy adopted, and the implementation of the agreed transaction. Celestica "bull 28 wheeled" strategy as an example, the strategy by the Shanghai and Shenzhen 300, Celestica Celestica securities 500 days and Hong Yongli bond fund 3 product combination, assuming buying point reference 20 days ago is one point, as long as the CSI 300 rose to the main funds to buy the Shanghai and Shenzhen 300 in 500, high buy card in 500, if the 2 equity products are down, just to hold the bond funds in the small cap and large cap stocks, stock and bond between the realization of the "28 wheeled". "Essentially, this strategy.

基金掀起智能定投热 时间选择和效率更显优势-基金频道   投资心理学家有言:在做任何投资前,需要规避“乐队车效应”和“败犬效应”。前者是指投资者在进入市场时,总是跟着乐队、承载着演奏任务的“头车”,这种趋势在牛市时表现得较明显,直到风险来临,投资者草率出场;后者指散户在投资失意时,往往如“斗败的猎犬”,将自己视为弱势者,把矛头指向投资工具的生产者和销售者,不再放心购买金融产品。   这两种效应也折射出基金投资的难点和痛点:何时买?买什么?何时卖?“聪明的基金定投策略,能帮助投资者弱化买点,能摊薄成本,将卖点选择权掌握在自己手中。”天相投资研究中心经理贾志说。   据济安金信基金评价中心主任王群航(博客,微博)介绍,国内证券投资基金定投兴起于2008年之后,目的在于为投资者“削峰填谷”“熨平成本”。随着时间推移,定投策略日益丰富,分为双定、单定、双不定等多种策略。双定即传统的定期定额;单定,即不定期、定额,或定期、不定额;双不定,即不定期、不定额。   目前,定投面临几大误区:一是必须等额投资。其实,当大盘下跌超过2%时,等额投资很可能错失加仓机遇。若大盘的跌幅与上一日相比无明显变化,则应保持定投金额不变。若大盘一直横盘不动,则应缓慢减少定投金额。二是定投必须长期坚持,只要与销售机构签订了定投协议,就不用再关心市场涨跌。其实,定投周期最好不要超过一个牛熊周期,否则很可能亏损被套。三是定投适合教育和养老金,仅仅是散户的专利。其实,机构也可通过定投分享波段红利,除了教育和养老,短线资金同样也能参与定投。   天弘基金产品部总经理李骏认为,在此背景下,传统基金定投模式需要一种跨周期和逆周期营销,才能摆脱3个月内某一领域必涨的短期牛市“尴尬”。通俗地说,不要让投资者绞尽脑汁思考“何时买”和“买什么”。采用“白盒明示策略”的智能定投模式也就应运而生。   所谓白盒明示策略,就是明明白白地告诉投资者采用何种组合基金投资策略,并实行约定交易。以天弘“斗牛二八轮动”策略为例,该策略由天弘沪深300、天弘中证500以及天弘永利债券基金3只产品组合而成,假设买入点的参考标准是20天前的某一点位,只要沪深300上涨就以主要资金买沪深300,中证500高就买中证500,如果这2只权益类产品都下跌,就转而持有债券型基金,在大盘股和小盘股之间、股债之间实现“二八”轮动。   “本质上,这一策略是短期择时策略,通过择时让投资者相信"骑牛躲熊"的操作方法和投资理念,而不是3个月内某个领域必涨。实际上帮助投资者省去了买点选择、定投基金产品选择的烦恼。”李骏说。   理解分散投资的真谛   除了选择好的基金组合之外,应用合适的策略科学投资也是智能定投成败的关键。“以往基金圈主打的口号是专家理财,但基金的最大价值并非如此,而是分散投资。”贾志介绍说,定投最大的好处是摊薄投资成本,避免择时风险,帮助投资者穿越牛熊。智能定投应该特别关注两点:期限和策略。   定投的期限分为买点和卖点两个层面,即便通过长期定额投资淡化了买点,若未选对卖点,定投也将失败。定投的好处是弱化买点之后,无限地放大了卖点的重要性。业内人士认为,智能定投若想成功,必须立足于一个完整的牛熊周期,悉心预先设定好买点和卖点。智能定投最佳的介入点是市场的左侧,而不是传统定投模式下的任何时间。   “这个左侧点,应该是市场前一个高位形成并且进入下降通道的点位。当基民做定投时,会非常欢迎市场下跌,因为每次下跌时,就多了一次逢低加仓的好时机。在分批买入后,基民一般会得到一个相对低廉的持仓成本,直到市场右侧上升趋势形成时,智能定投模型一般会在这一时间点提示把剩余的"弹药"打光,然后耐心地等待卖点出现。”贾志说。   在资金投放的效率上,一般智能定投模型会视具体市场情况提示基民实行不同额度的加仓,而非一成不变,设定分批认、申购基金。   具体来看,投资者该如何操作智能定投?传统基金定投的部分经验依然适用:在品种选择上,左侧交易时机出现时,指数基金一般比较适合入门级投资者。在定投策略上,可定投一个基金组合,而非单只基金。此外,可短周期定投,博取波段性反弹收益。   需要特别注意的是,智能定投重在选择策略。目前市场上有两种智能定投方式:一是选用“斗牛二八轮动”策略这样的“懒人”定投策略,类似的策略在部分第三方基金销售平台上较为常见,其特点是通过计算机模型和大数据技术实行智能化的基金组合投资,一般具备大类资产配置理念和风险分散的投资方法,几乎不需要投资者参与。   第二种方式需要更多的基金专业投资知识,包括目前市场上加入止盈设计、智能推荐定基金、大数据采样定金额等功能的定投产品。比如,可持续连投的止盈定投产品��富国基金“目标盈”,投资者需提前设置定投目标收益率,达到收益目标时,这一产品会自动发起赎回,并重新开启新一轮定投。再如,华夏定投通是根据基金定投排名和投资者的投资习惯智能推荐定投基金,并参考基金投资大数据,向投资者推荐每期定投金额,最终择时、择基的主意还得投资者自己拿。相关的主题文章: