How to get out of the strange circle of "Genmins Not Makes Money"?"Ant Finance Gold Selection" semi -annual report: reasonable allocation and long -term holding can improve the income experience

All signs show that the investment habits of Kimin are changing. Learning the reasonable configuration and long -term support of the people, which is relatively easier to improve the income experience.

Author: Chen Shan

Figure: Tuwa Creative

In recent years, the scale of the fund market has increased sharply, but Kimin has still been trapped in a strange circle of "fund making money and not making money."

Data show that as of the end of June, the total number of public funds exceeded 10,000. The number of funds in the market is relatively large. For ordinary investors, on the one hand, "selection of the base" becomes not easy, and on the other hand, what kind of foundation and concepts can increase the winning rate, which is also the same. Problems worth exploring in -depth.

On July 20, Ant Fund issued a report on the operation of the "Ant Financial Finance" in the first half of the year. Related data show that the average holding time of users has increased to 401 days, and 33%of the "golden" trading users choose to decentralize investment within a year. Among them, the "gold selection" users with debt allocation have a profitable user ratio of 27%higher than those who have not been configured; and users who hold the "Gold Selection" partial stock fund for more than 3 years are more The profit ratio is 53%higher.

All signs show that the investment habits of Kimin are changing. Learning the reasonable configuration and long -term support of the people, which is relatively easier to improve the income experience.

"Kimin does not make money" strange circle

Looking back at more than 20 years after the public fund has gone through, the phenomenon of "funding for money and not making money" is still prominent.

According to statistics from the China Galaxy Securities Fund Research Center, as of March 31, 2021 (2006.01.04-2021.03.31), in the past fifteen years, the active stock direction fund performance index has increased by 910.68%, with an annualized yield of 16.67% Essence The corresponding time node, the average yield of all individual customers in history is only 8.85%. This means that investors' gains are not as good as the fund performance they buy, that is, the fund to make money, and the foundation does not make much money.

In addition, the China Fund Industry Association's "2019 National Public Fund Investor Statistical Survey Report" shows that nearly 60%of the Kimin has not made much money since the investment fund.

Why "the good benefits of the fund 金 the good income of the foundation"? The reason is that many of the people who are difficult for the people to overcome the human weaknesses of "chasing the rise and fall" and "frequently trading", so they cannot go out of the strange circle of "fund making money and not making money".

However, the foundation of Kimin is subtle changes -decentralized investment and long -term holding. Such changes are alleviating the long -term problem of "Kenmins do not make money".

According to the "Golden Selection" semi -annual report, more and more "golden selection" users are raising the habit of investing in the investment. In the past one year, 33%of the investors will configure partial stock funds and partial debt funds at the same time. Since May, 42%of trading users have reached a debt allocation.

In the process of transparently presented fund changes such as gold selection tracking surveys, many users are more willing to invest in long -term. According to the semi -annual report data, the average user holds the "Gold Selection" fund for 401 days, 67%higher than a year ago. Among them, 38%of the "golden selection" users held in a fixed -time manner.

More data from the semi -annual report shows that the "gold selection" users with debt allocation have a profitable user ratio of 27%higher than those who have not configured. And users who hold the "Gold Selection" partial stock fund for more than 3 years are 53%higher than the user profit ratio of users within 3 years.

"Tower spire problem"

What kind of behavior can let the people consider the distribution and long -term holding of the stock bond funds?

Regarding this issue, Lin Sisi, general manager of Ant Fund, told reporters as an example of the "Gold Selection" fund. "After upgrading in May this year, the" Golden Selection "area first classified the partial stock and partial debt. There is also a core and satellite classification in the fund. This is a selection of specific items selection from the configuration framework perspective. "

According to reports, "Golden Selection" covers 150 partial stock funds and 35 bond funds. Among the partial stock funds, 70 % of the diversified layout funds such as balance and growth are far exceeding the number of funds that only focus on single industries.

It is true that the premise of the fund profit is to hold one fund. So, how does ordinary citizens choose a good fund that suits them?

Lin Guohuai, the fund manager of Xingzhi Global Fund, believes that this is a "tower spire problem" -the relevant statistics show that more than 60%of the number of foundations holding funds holds more than 5, which is equivalent to a FOF. Among tens of thousands of funds, how to choose 5 or 10 funds to build a combination?

Lin Guohuai said, "The standard of our" ourselves "has a lot of coincidence with 'Gold Selection'. First, the fund manager has a continuous and stable performance in the long run; second, the fund manager's style is relatively stable, the style is not drifting, the style is not drifting ;

Lin Guohuai believes that ordinary investors can have two ways to solve the problem of choosing the base: "In the first way, Ant Financial Management has been selected for many preliminary analysis, including data analysis and continuous follow -up investigations of fund managers, and made a round of screening for everyone ; The second way is to choose FOF Fund. FOF Fund is a combination of funds selected by professional investors. "

Data show that as of the end of the second quarter, since the launch service in January 2019, the average yield of the "Golden" partial stock fund is 21.19%higher than the average yield of partial stock funds in the market, which is 76.81%higher than the CSI 300 index higher than the Shanghai and Shenzhen 300 indexes.EssenceIn the past three years, the average yield of the "Golden Selection" partial stock fund has also exceeded 9.57%of the market partial stock funds.How does the S -fund that has been entrusted by the head PE, foreign investment, state -owned enterprises, and financial institutions has been admitted one after another, and the euro struggling with the ideal L9 trapped shaft storm struggle on the eve of the mass production delivery is changing the life of 340 million people?

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