How Can We Get High Returns From Fixed Investment?

What should we buy for fixed investment? Let's take an example.

In January 1, 2012, the Shanghai Stock Exchange index was about 2200.

A and B two people all judged that the future big market probability can return to 4000 points, so they decided to start the fixed investment.

A fixed investment in Shanghai and Shenzhen 300 index, b set the CSI 500 index.

The market reached 4000 points in April 10, 2015. Let's take a look at the two gains of the two countries.

From January 1, 2012 to April 10, 2015, the market rose from 2200 to 4000, up 82%.

The Shanghai and Shenzhen 300 index rose by 85%, and the investment in the Shanghai and Shenzhen 300 index earned 78%.

By contrast, the CSI 500 index rose by 149%, while the 500 index of the Ding Zhong made 108%.

After reading this example, the conclusion is also drawn: if the long-term income of an investment target is higher, the investment of the investment target will be higher.

Therefore, you should choose a fund with long term income to invest.

This conclusion should be very intuitive, and I will not explain much.

So, what kind of investment target has a long-term income? There are two sources of high yield:

One is to take a bigger risk.

This is what we have said before. Risk is proportional to earnings. The greater the risk, the greater the profit.

The other is to rely on excellent investment skills.

For example, the enhanced index of the CSI 500 index is similar to that of the CSI 500 index fund, but in the long run, the former continues to outperform the latter.

The excess return comes from the ability of fund managers.

For these two points, let's give an example.

First of all, let's look at it.

That is the example of high volatility for high returns.

[Shanghai and Shenzhen 300vs certificate 500]

This picture shows the comparison of the Shanghai and Shenzhen 300 index and the CSI 500 index from June 25, 2007 to June 23, 2017.

From the diagram, we can easily see two conclusions:

First, in the long run, the total return of CSI 500 is higher than that of Shanghai and Shenzhen 300.

From June 25, 2007 to June 23, 2017, the total return of the CSI 500 index was 56%, and the total income of the Shanghai and Shenzhen 300 index was 6.6%.

Even if the dividends were counted, CSI 500 also won a big win in Shanghai and Shenzhen 300..

Second, the volatility of CSI 500 is larger than that of Shanghai and Shenzhen 300.

The volatility of CSI 500 is 2.1%, while that of Shanghai and Shenzhen 300 is 1.8%.

Therefore, the CSI 500 index has a higher risk in return for higher returns.

Next, let's look at the excellent ones.

Examples of skills for high returns.

Jianxin certificate 500 enhanced vs certificate 500.

This picture is from May 5, 2014 to June 24, 2017, the comparison chart of Jianxin 500 index enhanced Fund (Code: 000478) and CSI 500 index (Jianxin certificate 500 enhanced fund was established in January 27, 2014).

From the chart, we can see that these two investment targets have risen or fallen in most of the time.

However, the CSI 500 index enhanced the fund's quantitative algorithm to win the CSI 500 index a little every month.

Thus accumulated in 2 years, Jianxin CSI 500 index enhanced fund won a total of 71 percentage points of the CSI 500 index.

In terms of volatility, the volatility of both the CSI 500 index and the CCB 500 index increased by 2%, indicating that the CSI 500 index increased the excess return of the fund instead of a higher volatility.

Some friends may ask, some stocks have gone up more fiercely than the fund.

For example, GREE electric appliance has doubled 8 times from 2012 to 2017. Is it better to place such a stock than a fixed investment fund? Yes, if you can find such a stock, you will certainly be better than the fixed investment fund.

But this brings back to a basic question: whether non professional investors have the ability to find big bull stocks like GREE electric.

It is suggested that you invest in the public fund because the public fund has professional fund managers and research teams in management. Their daily job is to find big bull stocks like GREE electric.

They put stocks that have potential to become big bull stocks in the fund, so that ordinary investors can invest.

Therefore, the public funds raised by the government are equivalent to a group of stocks that may become big bull stocks.

From another perspective, although fixed investment can reduce risks and increase the probability of making money, fixed investment is not without risk at all.

If the price of the underlying investment presents a downward trend, then there will be nothing to do with the fixed investment.

Let me give you a few examples.

[PetroChina chart]

This chart is a chart of PetroChina's listing since then.

PetroChina's listing price is 46 yuan, less than 8 yuan now.

If you start to invest in PetroChina when listed, it is almost impossible to make money.

You must not think that PetroChina is an example.

There are many such examples.

For example, Huayi Brothers, one of the representatives of the new economy, reached the highest price in June 12, 2015 by 32 yuan.

After that, the drop did not stop and fell to 8 yuan all the way.

Even if so much, many researchers believe that the market value of Huayi Brothers is still high and may fall in the future.

The risk of setting such a target is certainly not small. The key is that there is no bottom in mind.

Want to avoid

The risk must be chosen in the long run, and the more it will never fall, the higher the investment target will be.

For example, stock index like CSI 300 and CSI 500 represent the whole economy.

As the overall economic growth is generally very high, the stock index is higher and higher.

Therefore, the fixed investment index fund and the index enhanced fund are all very safe.

Other types of stock and mixed public funds are also performance benchmarks based on stock index, and most of the fund managers' capabilities are excellent. Therefore, the approximate rate of fixed investment funds is relatively safe.

By contrast, whether or not a stock will go higher or higher is uncertain.

although

Growth is maintained, but competition in all walks of life is fierce. It is hard for a company to keep growing.

Changes in the industry, peer competition, management infighting, technological innovation and other factors can lead to a company's failure.

If the company meets such a company, the risk will be great.

OK, about what we should buy for fixed investment, we will chat here.

First, if you want to get a higher return on the fixed investment, you must choose a long-term investment target.

Second, if we want to get a higher long-term income, we can start from two aspects, on the one hand, assume greater risks, that is, greater volatility.

On the other hand, looking for more investment fund managers.

For example, some index enhanced funds can continue to outperform the index.

Third, fixed investment is not without risk. If we encounter a falling investment target, fixed investment will not make money.

For non professional investors, finding a tender in a public fund is much more reliable than finding a fixed bid in a stock market.

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