Fund Investment Strategy in 2021
【Investment fund guide】2021 Mooer buying fund strategy
Table of Contents:
1. Why funds are suitable for ordinary investors' allocation
Second, how to select funds
Third, Mooers' 2021 Fund Allocation Strategy
2020 can be called the "golden age" of funds. While individual investors have different gains and losses, the vast majority of funds have achieved substantial returns in this year. At the same time, more and more people are beginning to pay attention to and invest in funds. This phenomenon indicates that As ordinary investors develop investment and financial management awareness, they are gradually learning to choose a more suitable approach for themselves.
Today, Elephant Elephant will share three perspectives combining high-quality views from mooers:Why funds are suitable for allocating to ordinary investors、How to choose fundsandMooers' fund allocation strategy for 2021。
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1. Why are funds suitable for ordinary investors to allocate?
Why are funds suitable for ordinary (especially entry-level) investors to allocate? Let's take a look at the conclusion:
1. There are professional fund managers to take care of the investments, saving individuals time and effort;
Related content recommendation:@Stansberry贝瑞研究"80% of fund investors outperform the market: the flash-rich fund investors and the swollen stock investors"
"From the beginning of the year to February 5th, when more than 70% of individual stocks in the A-share market fell, only 3% of open-ended funds experienced losses. This means that as long as your luck is not too bad and you don't "blindly speculate", 97% of fund investors are making money, with an 80% probability of beating the market."
2. Low investment threshold.
Taking Futu Wealth as an example, the minimum investment for stocks and bonds is only 100 Hong Kong dollars/US dollars, and there are currently no purchase or redemption fees; compared to stocks where 1 lot can easily be in the thousands or tens of thousands.Investing in funds allows for lower entry thresholds to participate in the market.。
3. An asset allocation tool that can spread risk and improve personal asset structure.
Funds include money market funds, bond funds, and stock funds, and they have clearly defined levels based on investors' different risk-return preferences, which can better meet the configuration needs of individual investors.
"In terms of personal wealth management, in addition to individual stock investment, this year will focus on increasing investment in stock funds and dividend bond funds, trying to increase dividend income and diversify investment risks."
Second, how to select funds
After understanding the advantages of fund allocation, we shouldHow to select a reliable fundWhat about it?
Here is the "Futu Elephant Wealth Team's"6P Selection Method", for your reference: 6P refers to Performance (Performance), Philosophy (Investment Philosophy), Parent (Fund Company), People (Management Team), Process (Investment process), Portfolio (investment portfolio), the Futu Elephant Wealth team has selected nearly 100 high-quality fund products from 39 top fund companies worldwide through this rigorous selection logic.
Of course, there are other methods for selecting funds. If you have unique fund selection experiences, please@象象contribute.
Recent mooer@基股传声are actively working on it. 'Clearly Buy Fund' Column, it is the use of personal fund selection methods, through analysis and disassembly of the underlying assets of the fund, to make the risks and sources of income behind the fund more clear and transparent, and to make the purchase of fund clear and clear.
Related content recommendation:@基股传声 'In-depth analysis! E Fund (Hong Kong) China Stock Dividend Fund - Clearly Buy Fund'
Third, Mooers' 2021 Fund Allocation Strategy
In 2021, how do Mooers plan to allocate their funds? Let's take a look at Mooers' fund-buying strategy together.
Investing itself is a very boring thing, so now many bull market gods, including myself, will pursue excitement, buy premium stocks with Chi Ma, and listen to news tips on YouTube.
“The ultimate goal of investment is to increase capital, even achieve financial freedom, so we should not forget our original intention and simplify things.”
I watched a video and found out that Warren Buffett's average annual return is 21%. Can anyone achieve this record of continuous returns for 30 years? Lastly, I advise everyone to buy low and sell high, although it is possible, I really hope that everyone can do it. I would like to suggest that you allocate some funds to monthly payment funds for a balanced portfolio, and I hope you can achieve it.$BlackRock World Technology Fund (LU0056508442.MF)$$BNP Paribas Funds Clean Energy Solutions (LU0823414478.MF)$
Started over a year agorspBecause a friend started investing in the ChiNext Index Fund through RSP in June 2015, everyone knows what the index has been through, and by the second half of 2018, there was no loss, and now it has already made significant profits.Based on continuous regular investment this year, I am determined to strengthen my fund investments!
In the A-share market, 60% of the funds are invested in mutual funds, and the fund managers performed well in 2020. I believe they will outperform me in 2021 at least! (This is absolute!). I have also allocated some money to the Hong Kong stock market.I still plan to invest 60-70% of my funds in mutual funds.I have already started positioning! I mainly bought BlackRock and Franklin. After all, since I just started buying, I don't really care about short-term gains and losses.
I entrust most of my money to professionals to manage, and a small portion of it is invested in individual stocks for my own enjoyment. This should make 2021 not too bad, right?$BGF Next Generation Technology Fund (LU1861215975.MF)$$BGF Next Generation Technology Fund (LU1861215975.MF)$$Franklin Biotechnology Discovery Fund (LU0109394709.MF)$
I believe that in 2021, the COVID-19 pandemic should be under control, and China should have the fastest economic recovery. Technology development remains an important driver of economic growth. With low interest rates and economic recovery, the stock market is still on the rise, but it comes with higher risks. Therefore, my asset allocation will be 40% stocks, 30% funds, and 30% cash. Within the 30% fund allocation, 10% is$CUAM China-Hong Kong Strategy Fund (HK0000130705.MF)$10% is$Franklin Technology Fund (LU0889565833.MF)$10% is$Janus Henderson Global Life Sciences Fund (IE00B4R5TH58.MF)$
In the #PK Ace Fund activity, most mooers are unable to beat the fund managers.I have reason to believe that because the stock market has a larger fluctuation range and there are more uncertainties, the proportion of mooers who choose to invest in funds will increase relative to the previous year. Therefore, the allocation ratio of funds will be higher than that in 2020.
Because I believe that China's future GDP growth will exceed expectations, and CPI growth will be more obvious, the potential is truly incalculable.So I suggest everyone try buying funds from today, and you will understand later that funds are a tool for making money.
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The highlights from mooers end here, for more exciting content, check out"2021 Buying Fund Strategy". If you have any insights about fund investment that you would like to share, please submit your post.@象象oh~
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This document should not and cannot be regarded as a basis for invitation, solicitation, invitation, or recommendation to buy or sell any investment product or make any investment decision, nor should it be interpreted as professional advice. People who read this document or make any investment decisions should fully understand the risks and the characteristics and consequences of relevant laws, taxes, and accounting, and decide whether the investment is in line with their individual financial situation and investment objectives, and whether they can bear the risks involved. If necessary, seek appropriate professional advice.Risk Warning: Investment involves risks. Investors should carefully read the fund information and related documents (including its risk factors). Please note that the price of fund products can rise or fall, and may fluctuate significantly in a short period of time. Investors may not be able to withdraw the amount they invested in the fund, and past performance of the fund does not predict future performance. If there are any forward-looking statements in this article, such content or statements should not be regarded as a guarantee of future performance, and attention should be paid to the possibility of significant discrepancies between actual situations or developments and such statements.
Risk Disclaimer: The above content only represents the author's view. It does not represent any position or investment advice of Futu. Futu makes no representation or warranty.Read more
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