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新发基金买不买?晨星选基攻略助你5步轻松选基
Morningstar晨星· 2025-07-23 09:59
Group 1 - The core viewpoint of the article highlights the rapid growth of China's public fund industry, with the scale increasing from 8.4 trillion yuan at the end of 2015 to 32.83 trillion yuan by the end of 2024, driven by policy support and industry innovation [1] - The article emphasizes the importance of evaluating new funds based on their competitive advantages, investment strategies, fund manager experience, portfolio construction logic, and cost structure [2][4][10] Group 2 - Investors should assess whether new funds offer unique advantages compared to existing funds, especially in categories with many existing products, and look for innovations in strategy or risk control [4][8] - The article warns against blindly chasing hot investment themes and encourages investors to focus on long-term goals rather than short-term trends [10][11] - It is noted that many thematic funds have underperformed broad market indices, with over 60% of them being liquidated in the past 15 years [11][12] Group 3 - Evaluating the experience of fund managers is crucial, as investors should focus on relevant experience rather than just the length of their careers [18][19] - Investors can gain insights into fund managers' investment styles by reviewing their past management records and performance [20] Group 4 - Understanding the portfolio construction logic is essential, as it helps investors determine whether a fund's strategy aligns with their risk tolerance and investment goals [22][23] - The article emphasizes that a fund's fee structure significantly impacts investor returns, with lower fees generally correlating with better performance [25][26] Group 5 - The article concludes that while new funds may seem attractive, investors should conduct thorough due diligence using publicly available information to make informed decisions [30]
每日钉一下(关注这几项费用,买基金更省钱)
银行螺丝钉· 2025-04-14 13:53
近几年,大家对「养老」的重视度日渐提高,也是很多朋友比较关注的话题。 文 | 银行螺丝钉 (转载请注明出处) 申购费,一般由基金销售机构收取。 以股票基金为例,大多会在1%-1.5%。 不过,目前很多基金销售机构都会打折, 通常是打一折。 (2) 赎回费 · 养老,到底需要多少钱? · 储备养老金,真的有必要很早就开始规划吗? · 如 果要为养老做补充,有哪些品种值得考虑呢? 有5种。 (1) 申购费 ◆◆◆ 长按识别下方二维码,添加@课程小助手,回复「 个人养老 」即可领取~ 比如: 为了帮助大家掌握【 养老规划的方法 】,这里为大家准备了一门限时免费的课程,详细介绍了个人养老规划的相关问题。 这个贯用个需要我们身细父,而是从晏金 净值里直接扣除。 也就是说,我们每个交易日看到的基金净 值,是已经扣除了管理费之后的。 赎回费,通常在赎回基金时收取,很多时 候会归入到基金净值。 赎回费与持有的时间长度有关。 以股票基金为例,通常来说, ·如果持有不到7天就赎回,会有惩罚性赎 回费1.5%,所以要避免刚买入就赎回。 ·如果持有时间超过7天,但在1-2年内, 大多数基金会有0.5%的赎回费。 ·如果持有1-2年以 ...