大盘全线绿,基金公司也跟着遭殃

作者: 发布时间:2017-12-09 17:19:31  来源: [手机访问]
导读: 昨天真的是绿了,全绿;一片绿;绿得很彻底…2333333…(数据来源:wind资讯)基金背后投资的标的大多为A股股票,尤其是偏股型的权益类基金。所以A股各大指数的下

大盘全线绿,基金公司也跟着遭殃

昨天真的是绿了,全绿;一片绿;绿得很彻底…2333333…

大盘全线绿,基金公司也跟着遭殃

(数据来源:wind资讯)

基金背后投资的标的大多为A股股票,尤其是偏股型的权益类基金。所以A股各大指数的下跌,不可谓不跟我们相关,与大多数投资者的心情一样,我们也很焦虑。

这几日,小欧在后台收到类似“XX基金跌了”“什么时候涨回来”等等消息。

表示很慌张!不知道如何安抚这些小可爱们…

大盘全线绿,基金公司也跟着遭殃

遥想去年,曹总(中欧基金价值策略组负责人曹名长)在访谈活动时说过的一段话,此时很应景!

XX问 曹总 :如果你买入的股票不断下跌,你会怎么办?

曹名长 答 :下跌本身是一个过程。任何标的如果不停地跌,那就可能存在问题。所以,关键在于找到是什么因素使它跌的。

第一种情况,如果是市场的因素,可能就不用理会,因为市场的系统性风险对好公司来说可能是绝佳的买入机会;

第二种情况,如果下跌是出于行业的因素,那就要考虑这个因素对公司基本面是否有真正的影响。如果对基本面有影响,那对估值也会有影响。这是要根据具体原因具体分析的;

第三种情况,如果导致下跌的是公司自身因素。那就要认真思考,这是公司陷入短期的困境,还是公司本身出现了问题,这可能就需要对整个估值体系进行重估。

虽然过去一年,但分析行情下的方法还是可以取取经的。供各位投资者参谋!

讲真,曹总管理的“中欧价值发现A”最近也在跌

大盘全线绿,基金公司也跟着遭殃

大盘全线绿,基金公司也跟着遭殃

wind数据显示,截止2017年12月6日,近一周涨幅-0.89%;近一月涨幅-2.17%。但如果是每月定期定投“中欧价值发现A”1000元,你就会发现近6个月你可以赚417.02元(注)

如果你了解曹名长可能就不用过多担心,因为曹总管理的基金长期坚守“价值投资”;如果你是定投,其实也不用太过担心,因为定投本身就一种分散投资的方式,摊薄了风险。

说到投资,提得最多的就是“不要把鸡蛋放在一个篮子里”。但要如何真正理解这句话,如何做到分散投资?

小欧给大家梳理了3个理解角度。刚刚提到的【定投】其实也属于一种形式的分散投资:

1、分散时间

分散投资还可以包括:

2、分散资产:做资产配置

“全球资产配置之父”加里·布林森就说过,从长远看,大约90%的投资收益都是来自于成功的资产配置。

资产配置到底有多重要?单看基金持有情况就知道了。

根据银河证券一级分类,统计2008年-2016年过往9年的基金持有收益情况。如果持有单一类型基金,平均收益如下:

大盘全线绿,基金公司也跟着遭殃

如果在期初,将初始资金对半分,等权重地投资两种类型基金,无论哪种组合期末平均收益都为正,平均收益率38.75%,同样高于持有单一类型基金的平均收益率。

大盘全线绿,基金公司也跟着遭殃

进行资产配置优点也有很多:

资产组合选择多样化,能够在一定程度上降低投资的总体风险。

让投资者的心态变得更好,从容面对市场变化。

让投资者进可攻,退可守,下跌时可以考虑调整配置。

3、分散市场:东边不亮西边亮

当A股市场低迷时,你或许可以向海的那边看看。

把投资事业放眼全球:11月份上证综指下跌2.24%,同期香港恒生指数和美股标普500指数却分别上涨3.3%和2.81%。(数据来源wind,统计时间2017.11.1-11.30)

纵观过去十年,从指数上看,每年最好的收益也都发生在不同的市场。经统计,除了2008年爆发的全球范围金融危机,大部分指数均下行外,每年总能在不同市场找到优质的机会。

大盘全线绿,基金公司也跟着遭殃

不在单一的时间投资 + 不投资单一资产 + 不投资单一市场 ≈ 分散投资

(或许分散投资还有很多妙招,欢迎小伙伴们评论区讨论!)

注:定投区间:2017.6.1-2017.11.30,月定投,每月11日定投1000元。以上测算仅作示例。不作为收益保证或者投资建议。所选用指数在持定期间的收益率不代表我司旗下相关基金收益率表现。定投收益率计算公式为:

定投收益率=[(sum(每期定投金额/每期净值)*期末净值)/(sum(每期定投金额*投资期数))]-1

投资者应充分了解基金定期定额投资和零存整取等储蓄方式的区别。定期定额投资是引导投资者进行长期投资、平均投资成本的一种简单易行的投资方式。但是定期定额投资并不能规避基金投资所固有的风险,不能保证投资者获取收益,也不是替代储蓄的等效理财方式。

以上材料不作为任何法律文件。基金管理人不保证基金一定盈利,也不保证最低收益。投资人应认真阅读相关的基金合同和招募说明书等法律文件。过往业绩并不预示其未来表现。

基金组合服务为基金销售机构,接受投资者客户的委托和授权,根据一定的产品筛选逻辑和投资目标为投资者提供的销售附加服务,实质为投资者通过基金销售机构买卖特定基金组合所包含的成分基金。基金销售机构目前对组合服务暂不收取其他手续费用。

基金组合服务本身并非任何形式的基金、集合投资计划或产品。投资者应基于自身情况独立作出是否接受该服务的决定,并自行承担全部的投资风险。基金销售机构不保证基金组合一定盈利,也不保证最低收益。基金销售机构不对投资者资金进行投资管理,不保证基金组合及基金组合内成分基金的投资业绩,也不承担基金组合及基金组合成分基金的各项投资风险。基金有风险,投资需谨慎。模拟的历史业绩并不预示基金组合的未来表现。

请投资者务必于申请使用基金组合服务之前,仔细阅读相关协议及业务规则,充分了解基金组合服务的业务内容、免责情形等内容。

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}, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6496984705148125709/', abstract: '昨天真的是绿了,全绿;一片绿;绿得很彻底…2333333…(数据来源:wind资讯)基金背后投资的标的大多为A股股票,尤其是偏股型的权益类基金。所以A股各大指数的下跌,不可谓不跟我们相关,与大多数投资者的心情一样,我们也很焦虑。
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