Data disclosure: fund money base people do not make money? These misunderstandings need to be vigilant

category:Finance
 Data disclosure: fund money base people do not make money? These misunderstandings need to be vigilant


The reporter of daily economic news selected some important contents to share with you.

The market is dominated by small and medium-sized investors

What kind of group are the individual investors participating in fund investment? What are the investment habits and risk preferences?

The results of questionnaire survey show that, similar to 2017, in 2018, fund individual investors are still mainly small and medium-sized investors (85.2%) who are under 45 years old (78.4%), with bachelor degree or above (59.4%), and whose annual income after tax is less than 150000 yuan, with no significant difference in gender structure. However, it is worth noting that in terms of financial education, 39.7% of individual fund investors said that they had received financial related education in school, and 31.9% of individual fund investors said that they obtained financial knowledge through self-study of financial textbooks and books, which were only 35.8% and 25.2% in 2017.

In terms of financial investment experience, more than 60% of investors have more than 3 years of investment experience. Among them, the proportion of investors with investment time of 3-5 years and more than 5 years reached 26.9% and 35.1% respectively. At the same time, in terms of investment volume, most of the fund individual investors whose financial assets are in the range of 100000-500000 yuan, while 80.0% of the investors financial assets are less than 500000 yuan. According to the survey, more than 60% of the investors investment accounts for less than 30% of the familys annual income.

As a whole, 57.0% of the investors have invested in 2-3 (inclusive) financial products and 32.6% of the investors have invested in more than 3 (exclusive) financial products in the selection of specific financial products such as deposits, bank financial products, public funds, stocks, special account or collective financial products, insurance products and trust products. Among many financial products, the most concerned product is bank deposit, with 31.2% of individual fund investors investing the largest proportion of financial assets in bank deposit; the second is bank financial product, with 22.3% of individual fund investors investing the largest proportion in bank property; the second is money market fund, with 19.7% of fund investors mainly investing in money market fund. Compared with 2017, the overall attention of these three types of products has declined, while the attention of non monetary public funds, stocks and other high-risk products has increased.

Two main points in product selection

After so many years of fund investment, I believe many people are also curious as journalists: what factors do investors value most when they buy funds? How did you decide to buy this fund?

The reporter found that when choosing investment products, the yield and risk preference are still the core points that investors pay attention to.

According to the survey, the proportion of investors who value yield and investment risk has increased in 2018, while the value of trading convenience has declined significantly. In addition, in terms of rates, 93.7% of individual fund investors said that they would pay attention to investment related costs when allocating assets. Among them, 59.3% of individual fund investors think that the current fund rate is on the high side, and 57.2% of investors prefer floating rate.

Specifically, 34.8% of individual investors will buy funds when the market falls. Meanwhile, fund performance, company reputation and company size are the top three most concerned parts.

According to the data, when buying funds, the most important is still the fund performance, but compared with 77.1% in 2017, the proportion of investors who pay most attention to the fund performance in 2018 has dropped 17.5% to 59.6%. Secondly, the popularity of the fund company, the size of the company, and the background of whether the fund company has foreign shareholders are also factors of high concern, which are higher than that in 2017. At the same time, the reputation of fund management companies is also very important, 64.8% of investors said they would avoid fund companies with negative news in the near future.

So, how do individual investors make investment decisions?

According to the data, most investors (61.0%) choose to analyze and decide by themselves, 17.2% of them are recommended by investment experts based on the Internet and media, and 13.5% of them are recommended by friends or invested with friends. In addition, compared with 2017, the proportion of receiving professional investment adviser guidance has increased from 5.1% to 6.3%.

The reporter also noted that the survey also asked whether the funds personal investment needs investment advisers to provide necessary asset allocation services. According to the data, 21.7% of the individual investors said they need investment advisers, while 58.8% of the individual investors said they only need investment advice. .

70% of investors failed to stop loss effectively

There are fluctuations in the market, and naturally there are rises and falls. According to the report, in 2018, 78.7% of investors had the lowest loss rate of anxiety lower than 50%, slightly lower than 81.1% in 2017. Among them, 36.5% of individual fund investors have obvious anxiety when the loss ratio reaches 10% - 30%, while 32.8% of individual fund investors have obvious anxiety when the loss ratio reaches 30% - 50%.

If we encounter losses, can we stop them in time and effectively? Data shows that 70.3% of individual fund investors failed to stop their losses effectively. Among them, 40.5% of individual fund investors did not set up stop loss, 29.8% of individual fund investors set up stop loss, but did not strictly implement it. Only 29.7% of individual fund investors not only set up stop loss standards, but also strictly follow the stop loss standards. Compared with 2017, the proportion of investors who failed to stop losses in time and effectively increased. The report also shows that fund investors who prefer high risk and high return pay more attention to the establishment and implementation of stop loss.

In fact, the failure of effective stop loss is related to whether the stop loss line is set and whether it is strictly implemented, but it may also be related to the attitude after buying the fund. According to the report, after buying the fund, the proportion of investors who occasionally query the account profit and loss or generally do not view the account profit and loss is as high as 84.2%, compared with 82.3% in 2017 and 76.4% in 2016, the frequency of investors viewing after buying the fund is significantly reduced.

He who can buy is an apprentice and he who can sell is a master. A fund insider in Beijing said that after buying a fund, it cant be ignored. Even for professional investors, its actually better to make suggestions for buying and harder to make suggestions for selling. Combined with macro and some strategies, investors can choose some good fund targets. But if you dont have enough expertise and energy to manage, you will often miss the opportunity to sell. In this case, products like fof will be a good choice. In addition, the average length of time investors hold a single fund has also attracted the attention of journalists. According to the data, 16% of the investors hold a single fund for less than half a year on average. The proportion of investors holding a single fund for half a year to one year is 31.9%, the highest proportion of investors holding a single fund for one to three years is 32.5%, and the proportion of investors holding a single fund for more than three years is 19.6%. Although the overall holding period has increased from 2017, the proportion of investors who hold a single fund for less than one year on average still accounts for nearly half. Source: editor in charge of daily economic news: Yang bin_nf4368

He who can buy is an apprentice and he who can sell is a master. A fund insider in Beijing said that after buying a fund, it cant be ignored. Even for professional investors, its actually better to make suggestions for buying and harder to make suggestions for selling. Combined with macro and some strategies, investors can choose some good fund targets. But if you dont have enough expertise and energy to manage, you will often miss the opportunity to sell. In this case, products like fof will be a good choice.

In addition, the average length of time investors hold a single fund has also attracted the attention of journalists. According to the data, 16% of the investors hold a single fund for less than half a year on average. The proportion of investors holding a single fund for half a year to one year is 31.9%, the highest proportion of investors holding a single fund for one to three years is 32.5%, and the proportion of investors holding a single fund for more than three years is 19.6%. Although the overall holding period has increased from 2017, the proportion of investors who hold a single fund for less than one year on average still accounts for nearly half.