It is believed that the higher the net worth, the greater the dividend ratio. The premium and shrinkage of asset varieties allocated in the fund's net value are not the only indicators to prove that the fund has dividend-paying ability and does not have dividend-paying ability. At a certain stage or at a certain point, the fund's net value has been greatly improved, which proves that the market value of the fund's assets has been improved, but for the fund's income, it only stays on the book and does not form a substantial increase in the fund's net value. Therefore, the higher the net value does not necessarily mean that the fund's dividend paying ability is higher.
Investment funds are bound to get dividends. There are not a few funds whose net value falls below the face value due to unsatisfactory operating performance. Although the net value of the fund is not a sufficient and necessary condition for the fund to pay dividends, it is also an important basis for dividends. If the net value of the fund falls below the par value, it will directly affect the normal dividend of the fund. Therefore, investment funds are also facing the risk of not being able to pay dividends because of the unsatisfactory performance of the fund.
The more dividends, the better. In fact, paying more dividends is not necessarily the best strategy of the fund. For funds with long-term investment value, paying more dividends will make investors get more realistic income, but it will also make investors lose long-term investment opportunities. Judging from the general dividend situation, dividends are often accompanied by a wave of fund redemption. Investors who get dividends from the fund will choose to leave their bags for safety, which makes the growth fund have to passively adjust the asset allocation varieties of the fund, so as to sell better stock varieties and deal with fund redemption.
There is no choice in the way of dividends. There are two ways of fund dividend: cash dividend and dividend reinvestment. Among them, cash dividends will reduce the assets and net value of the fund, which is conducive to the entry of new investors; Choosing dividend reinvestment can make investors get lower subscription cost and share the fund income continuously, which has the effect of "compound interest" investment.
Generally speaking, the fixed investment of the fund is to sign an agreement with the bank to invest a fixed amount of fixed funds on a fixed day every month (postponed on holidays). What are the risks and benefits of regular fixed investment funds? The risk of fixed investment is smaller than that of subjective investment, because it disperses the risk well and has great benefits. For example, Bo Shi Yufu, which I invested in, is an index fund. In 2005 1 month, I started to invest regularly 1400, with the lowest drop to 980, but I also earned 20% in May this year.
The characteristics of the fund's fixed investment:
1, average cost, risk diversification
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. The fixed investment mode of the fund means that the funds are invested on schedule and the input cost is relatively average.
2. Suitable for long-term investment
Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
3. It is more suitable for investing in emerging markets and small equity funds.
For emerging markets or small equity funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining better investment returns when the stock market rebounds.
4, automatic deduction, simple procedures
Which fund is better at present? If you are optimistic about the China stock market, then choose partial stocks or index funds. In the long run, stock funds fluctuate greatly, and their returns are also large, so it is more appropriate to make regular fixed investment. As the fund is an investment, as long as it is an investment, there are risks, so please think carefully before choosing which fund to invest in.
What funds does ICBC have for fixed investment?
The funds that ICBC can invest regularly are 12, with the minimum investment starting from 200 yuan. It can be set for 3 or 5 years and can be cancelled at any time. ：
20200 1 Southern Steady Growth Fund, 040002 Huaan China A-share, 16 1604 Rongtong Shenzhen Stock Exchange100,255010 Guolian Desheng Steady,
27000 1 Guangfa Jufu, 3 10308 Shenwan Paris Li Sheng Select, 48 100 1 ICBC Credit Suisse Bank Core Value, 270002 Guangfa Steady Growth,
16 1605 Rongtong Blue Chip Growth, 32000 1 Nuoan Balanced Fund, 050004 Bosera Select Fund, 20210/Southern Baoyuan Bond Fund.
Fund profile
Newcomers who invest in funds for the first time often have a fear of difficulties in the purchase procedures of the first fund. In fact, as long as you know the steps of fund purchase, buying a fund is almost as simple as saving money in a bank. Take the open-end fund as an example, and the reporter will explain it for you here.
First, select the fund to be invested, and then apply for opening an account at the bank outlet or the business department of the securities company where the fund is sold on a commission basis and fill in the application form. Of course, investors, especially those who invest in funds for the first time, generally can't understand the "heavenly book" fund prospectus and can't grasp the main points. Therefore, investors can go to institutions for consultation.
When investors decide to buy, they only need to decide the investment amount, regardless of how many fund units they can buy. Because the domestic subscription of open-end funds adopts the unknown price method, that is, the transaction price of the fund unit depends on the net asset value of the unit fund on the subscription day, and this data can only be calculated after the market closes on the same day and announced on the next trading day (that is, if you buy a fund today, you can't find the price you bought in the "net asset value" column in the fixed column of the open-end fund table of the Morning Post until tomorrow).
Among them, subscription share = (subscription amount-subscription fee) ÷ net value of the fund unit on the subscription day, and subscription fee = subscription amount × subscription rate (about 1.5% or less). It's a bit complicated, and investors don't have to pay attention to it at all.
When filling out the application form, there are still a series of options to be determined, several of which are crucial. For example, whether to choose cash dividend or dividend reinvestment. If you choose to reinvest in dividends, your fund share will increase after each dividend. It is worth noting that the calculation data of the total return of the fund is currently based on the assumption that investors choose cash dividends.
Generally speaking, the subscription application is valid only after filling in the application form and paying the subscription fee. Investors should remember to get the confirmation certificate and keep it intact. Most fund management companies send statements to investors quarterly or monthly. Another thing to note is the minimum amount required for the initial subscription of the fund. At present, different funds have different requirements for the minimum initial subscription amount of each account, and generally 1000 yuan can be invested. And if the "regular" investment plan is adopted and paid monthly, the minimum amount is even as long as 100 yuan.