investment security 广维吧

Is it better to buy capital preservation fund after breaking the face value? Rose: WeChat public number "flat spot fund market rose today, the Shanghai index has more than 2800 points, it is a long a feeling of exaltation upon fulfillment a" Hi ", how it is? In this market, flat sister was to recommend the preservation fund, seems not harmonious, but the investment is the party I pick up what others discard. odds. What’s more, but you remember, but this year the year of the monkey, in any case, a product configuration must be anti risk. The latest news, the Commission also approved 9 new shares listed, so be careful to drive ten thousand years boat. How to choose the new guaranteed product? The reason to write about the capital preservation fund, mainly for two reasons, one is the Spring Festival, ushered in a wave of fund tide, which guaranteed funds become the main varieties. Statistics show that in February 15th, within a week, there are 15 newly issued fund, the capital preservation fund fund accounted for 5, QDII accounted for 4, the remaining 6 only partial shares mixed fund. On the other hand, in the early stage of the market crash case, a lot of the capital preservation fund below the nominal value of 1 yuan, the market for such fund if there is a better investment opportunities there are differences, so Ping sister will help us analyze the specific situation. With the increase in market volatility since last year, both fund companies and investors have been fully aware of the low risk products cute. Therefore, the guaranteed product once again ushered in the outbreak of the market. Last year, just one week after the Spring Festival in 2015, only one guaranteed capital fund was issued, and there were no similar products issued in the same period in 2014. This year it’s up to 5! From the stock point of view, as of February 5th, there are currently 97 preservation fund, the fund size of 206 billion 284 million yuan; only 47 over the same period last year, the scale of 46 billion 960 million yuan, the market size increased more than 4 times! A lot of this product benefit from playing the new income, outstanding performance in the CBBC dramatic conversion of the stock market, investors Fang Xinda, only a few guaranteed funds last year has sold over the limit, finally to implement the proportion of subscription subscription day. For the new preservation fund, investors should pay attention to the selection of several elements: a stock investment overall better performance of the company; the two is the product warranty period is relatively short; the three is the transaction costs, including fees relatively low products; four is the history of this product, the relative performance of leading products. At present, the major issue of guaranteed product is investment fund and SDIC ubs. Among them, the investment system has 6 guaranteed capital funds – Investment anda, investment security, investment security, investment security, investment security, investment environment far. UBS SDIC’s first 6 Preservation Fund — UBS SDIC Ruixiang capital preservation fund will be issued at the end of this month. As of the end of 1 this year, the capital preservation fund size of the company a total of 143 billion yuan, in the whole market preservation fund accounted for nearly 7%. And the South China Fund’s performance is better. Below the nominal value of the capital preservation fund can leak? Due to the stock market crash this year, the net value of many guaranteed products fell below 1 yuan. Therefore, some market analysts believe that a good opportunity for the bottom of the capital preservation fund is coming

保本基金跌破面值后再买是否更合算?   微涨来源:微信公众号“平点基金”   今日市场大涨,上证指数一举超过2800点,多头那是一个扬眉吐气,怎一个“喜”字了得?在这个行情下,平姐姐却想起来推荐保本基金,似乎不太和谐,不过投资就是人弃我取方有胜算。更何况,各位看官可是记清楚了,今年可是猴年,无论如何,配置一点防风险的产品还是必须的。最新的消息证监会又批了9只新股上市,所以小心驶得万年船。   新发保本产品如何挑选?   之所以要写一下保本基金的情况,主要是两个原因,一个是春节过后,迎来一波基金发行潮,其中保本基金成为主力品种。统计显示,2月15日起的一周内,有15只新发行基金,其中保本基金占5家,QDII基金占4家,其余6只为偏股混合基金。另一方面,在前期市场大跌的情况下,不少保本基金跌破面值1元,市场有关这类基金是否存在较好的投资机会存在着分歧,所以平姐姐就帮大家分析一下其中的具体情况。   随着去年以来市场波动的加大,不论是基金公司还是投资者,都充分认识到了低风险产品的可爱。因此保本产品再次迎来了市场爆发期。去年,即2015年春节后一周,仅发行一只保本基金,2014年同期则没有同类产品发行。今年却大增到5只!   从存量上看,截至2月5日,目前共有97只保本基金,基金规模为2062.84亿元;去年同期仅47只,规模为469.60亿元,市场规模大增4倍以上!不少保本产品受益于打新收益,在牛熊剧烈转换的行情中表现突出,令投资者芳心大动,去年底的几只保本基金都卖过了上限,最后认购日不得不实行比例认购。   对于新的保本基金,投资者要注意选择的几个要素是:一个是股票投资整体业绩较好的公司;二是保本期相对较短的产品;三是交易费用、包括各种杂费相对较低的产品;四是历史上保本产品业绩相对领先的产品。目前来看,发行保本产品的大户是招商基金与国投瑞银。其中招商系旗下已有6只保本基金――招商安达、招商安弘、招商安润、招商安益、招商安盈、招商境远。国投瑞银旗下第6只保本基金――国投瑞银瑞祥保本基金也将在本月底发行。截至今年1月底,该公司保本基金规模合计143亿元,在全市场保本基金中占比近7%。而南方基金的保本产品的业绩则较为出色。   跌破面值的保本基金是否可以捡漏?   由于今年以来股市大跌,令不少保本产品的净值跌破了1元。因此,有一些市场分析人士认为抄保本基金的大底的好机会来临了。但是另一派的观点则是,中途买入保本基金并不保本,所以从安全性考虑,还不如买纯债基金更合适。那么究竟哪一方的说法更值得参考呢?   今日不知何故,同花顺上所有基金的数据均为零,也无法提取,平姐姐只好利用和讯网的数据做一个说明,相关数据仅供参考。   来自和讯网的数据显示,截止2月15日,总共有17只保本产品跌破了一元面值。其中跌幅最大的是国泰金鹿保本,其净值为0.896元;另外交银的荣祥与荣和的净值也在0.971元以下。可以设想,如果国泰金鹿在基金到期时最终净值能够回到1元,那么此时介入就可以获得无风险的11%的收益。这对于风险厌恶型的投资者当然是天大的好事,更何况,如果在到期前因为股市大涨,基金净值提前达到1元,更是美事一桩。   但是反对的一方认为,保本产品最终净值回归到一元,仅仅是对认购者提供的一种特别承诺,对于这种半途加入的“抄底者”,基金公司是不承诺保底的,所以现在买入这种老保本产品,由于它所收取的费用相对较高,而股市又不见好转的情况下,同样也需要依靠持有的债券类产品的收益来挣钱,那还不如直接买入纯债类的产品安全性更好一些。   假如历史能够重演,买!   平姐姐的观点是,虽然保本基金对中途加入者不承诺保本,但是,从历史上看,保本基金保本期结束时,收益为正的情况几乎是百分之一百!也就是说到期后其净值几乎全部超过1元,如果历史能够重演的话,买入此类保本产品的胜算是非常大的,好过普通的债券基金,因为普通的债券基金历史上也出现过亏损的情况,但保本基金到期时没有出现过亏损。这跟其投资时使用的安全垫策略有关。即假设买入债券3年到期可以获得100万元的收益,那么在股票亏损达到100万元时,基金公司就会清仓,以确保到期收益大于等于0。   所以,对于目前净值跌破0.97元的、到期日不足一年的产品,投资者可以果断买入。但是如果到期日很长,目前净值离1元较近,则投资者也确实没必要去投这个机,毕竟收益空间不大,就是说人家回到一元的确定性虽然很高,但是要更高的收益却完全不确定。   需要提醒投资者的是,保本基金通常都有规模限制,所以老的保本基金不是你随时想买就有的。还要看人家是不是放开申购哈! 进入【新浪财经股吧】讨论相关的主题文章:

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