Investment has a trick | young people, invest in the fund to invest in the entire work!

Why always stare at young people?

As soon as I woke up, the "young people" post -90s "young people" went on a hot search, and the format was quite uniform: "Why are young people XXX", there is a lot of retrieval, from eating, drinking and traveling, to traditional rituals and modern pursuits, This question of "to be or not to be" seems to be full of "incompatibility" that people are difficult to understand in young people.

Harmful! It's actually difficult to understand!

The younger generation, especially the "Gen Z" during the period of 1990 to 2010. When they were born, they were seamlessly connected with the era of network information. Whether it was lifestyle or observing the world, they were very different from the past. Their values ​​and traditional workers and peasants' social structures have a huge gap, and they are naturally disappeared to eliminate traditional labels and create self -style ~ Not to mention "why not hold traditional weddings", even their future funerals will play flowers. of.

The "label" that looks "rebellious" is attached to all aspects of the younger generation of life, and it is also no exception in the field of investment and financial management.

01 keen to buy the base, but ...

Recently, the latest observation of the central media news, the latest observation of the financial management behavior, the result may be different from you. Do you think they will choose a fund according to the mathematical model? Do you think they are rich and they will comprehensively collect information and judge?

Nothing! Various data show that compared to the "research" of traditional generations, "rectification" is the label for the foundation of young people to buy the foundation!

First of all, the emphasis on wealth management in generations is actually very high.

According to the CFGS (China Family Financial Survey) "China Family Wealth Index Investigation Report (2022Q1)", compared with other ages, groups lower than 30 years old have long -term willingness to invest in other age groups; another The report shows that among the young people who contact financial management in first-tier cities, more than 40%of the respondents expressed their willingness to pay 10-30%of their income for investment and financial management. In terms of financial investment, more than 6%of the respondents expressed their willingness to pay 70%of their income investment stocks and funds.

The proportion of funds invested by young people in investment and financial management may far exceed our imagination. Unlike the careful calculation of her mother, young people look at things, even if they eat soil at the end of the moon!

But at the same time, the logic of young people buying foundations is a bit strange.

At the end of June this year, the "Zhibao 95 Wealth Report" released by Ant Wealth showed that the 95s had 2.72 people in the post -95s, including many funds "Neptune", one of which held 3115 funds at the same time. Essence You know, the number of domestic public funds at the end of May this year was only 9,761, which means that this one bought more than 30 % of the products in the market at once, which can be called "more baskets than eggs." However, according to the media interviews afterwards, the friend configured 10 yuan for each product ... "I really love you, but not so deep", "Neptune Benhai" belongs to yes.

Young people in 2002: "What age, are you still buying traditional industries?"

In addition, compared with the traditional research reports, conferences and other information channels, the information obtained in the investment field of generations is more scattered and more scattered. The information makes generations always have its own new ideas for investment. For example, compared to traditional historical income and allocation industry indicators, generations Z more concerned about "IP" and "eye edge". Fund names and managers' face value and thin hair can be the reason for their one -click buy. (PS: This is not a good investment habit!)

"New Tide" also makes the fund types of the Fund Following the Zer of Z. Compared with the traditional "stable" liquor consumption, financial real estate, closer to its own technology growth track is the preference for young people. T-ASK's research platform under the Tencent Research Institute T-ASK shows that in the first three areas that young people are most concerned about financial management of the wealth management behavior of the post-90s and 00s, they are new energy (53.2%) and pharmaceutical creatures (38.3%). With the Internet (36.3%), in addition, semiconductors, cloud computing and modern defense are also quite popular, but instead do not have a cold for traditional manufacturing and resource industries.

Because these investment concepts are based on young people based on their usual living habits, they are more willing to accept and understand new things, and naturally they will also prefer the "scientific and technological style" growth industry. As the "otaku" said: "I have five times more time to contact digital devices than to contact my girlfriend every day, so why don't I believe in the Internet industry?"

On the one hand, young people have a short time in the field of investment, and the personality of "subverting tradition" is actually difficult to cover up some unscientific investment behaviors, such as less considering buying bases, incomplete asset allocation, no risk preferences that adapt to themselves, etc. Essence

But on the other hand, due to more closely and in -depth exposure to new things, especially in the growth areas of the Internet, technology, electronics, and new consumption, young people in generations may have a keen vision and understanding than fund managers. The direction of collective selection may indeed be the direction of the times. After all, investment is not an air tower, and the development path of the future industry must be determined according to the needs of reality. Just as ten years ago, it took a good wallet to go out shopping, but to this day, we need a good -looking mobile phone case. Speaking of growth, in recent years, the "spicy powder" of the People's Bank of China has remained abundant interest rates, and the continued floor of the relevant policies seems to have begun to turn to growth. 12.61%(data source: Wind, time as of 2022.8.16, the index operating time is short, which cannot reflect all stages of market development. Past performance does not indicate the future.). From September 1st -September 9th, China Merchants Balanced Growth Mixed Securities Investment Fund (016524) was released. The fund intends to be the fund manager of the fund, the deputy director of the China Merchants Research Department, and the investment strategy adopted is to strictly select a listed company from the bottom to the top. "Growing money" can be said to be "deep growth".

If you are a "mobile phone buying" faction like generations, then you may have seen the name Zhang Xilin. In terms of style, Zhang Xilin is more inclined to a balanced layout. "Balanced victory" is characterized by the industry's relatively decentralized and the shareholding cycle is relatively moderate. The excess returns come from industry allocation and individual stock options by relying on their personal capabilities.

Taking Zhang Xilin's representative work, China Merchants Anbo flexible configuration as an example. Since the fund transitions on May 26, 2018, the medium and long -term performance performance is bright. The investment in the investment in the investment in Abo has a return rate of 79.27%in the past three years. It was 16.95%, and the excess yield was 62.32%. At the same time, in the eyes of traditional rating agencies, the same is true. As of the end of the second quarter of 2022, China Merchants Anbo flexibly configured C by Galaxy Securities as a three -year five -star fund.

So you see, although the young people born in the Internet era are "unique", in addition to showing their self -style, in addition to showing the power of the base, it is also possible to use the power of professionals, such as those with high rating, long -term performance, long -term performance A good fund manager, at first glance, like the super "learning god" in the previous class of the previous class, it is better to throw the "homework" directly to these fund managers to write for me. Energy in other fields!

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