In a turbulent city,fund companyCombined with major platformsFixed votewhich aims to cultivate the people’s long-term investment concept, enhance the basic people’s sense of gain, and explore the road of high-quality development of the industry.
The top company hit hard, and other companies flocked to it. On the Ant Fortune platform alone, more than 10 million investors have entered the market in the form of fixed investment since the beginning of this year.fundThe number of new regular investment users of the company also increased rapidly.
Fancy plus code fixed vote
Recently, the public fixed investment of some fund managers has created a new trend in the industry.
for example,CCB FundThe fund manager Tao Can started a 3-month “Arc Plan” from the end of April, and plans to invest in funds managed by himself.new energyproduct;China Asset ManagementThe fund manager Zhou Keping launched the “10,000 yuan weekly fixed investment plan” on April 14, which will last until the end of 2023.Also in the process of public voting, there areHarvest FundFund manager Tian Guangyuan et al.
“The fund manager’s public fixed investment is an innovation in the fixed investment promotion and companionship model. Our company is also actively studying the feasibility of related behaviors, and the fund manager may be invited to ‘enter’ in the future.” A person from the marketing department of a medium-sized fund company in Shanghai Said that recently many fund companies are discussing the issue of fund managers’ fixed investment.
The reporter found that China Asset Management has recently been working on Ant Fortune and WeChat.financial managementMany platforms such as Tongtong have launched the “fixed investment group” service, which comes from technology,new energyMore than ten fund managers in various fields, such as growth, carbon neutrality, etc., serve as “heads”, leading investors to carry outFund fixed investmentGroup buy.
Users after “grouping” can track the latest market views, trading opportunities and investment experiences of fund managers in real time. The long-standing investment method of fixed investment has become no longer a lonely fight.
Since the beginning of this year, many fund companies have used graphics, comics, short videos and other forms to build a diversified fixed investment service position such as live broadcast and community. at the same time,E Fund Fund“Easy Investment”,Facility FundThe number of users of fixed investment tools such as “Rongtong Dingtoubao” is also increasing.
“Since this year, we have carried out more than 130 live broadcasts, many of which are themed content of fixed investment. In addition, 55 articles and 10 videos related to fixed investment have also been released. Since the beginning of this year, the number of new fixed investment users on the company’s Internet platform has exceeded 150,000 people.” Caitong Asset Management said.
Everbright Prudential FundXue Ren, director of the e-commerce department, said that since the beginning of this year, the market has fluctuated greatly. After previous shock adjustments, the current valuation of A-shares is at a historically low level, and the price-performance ratio of stocks and bonds is relatively high.From the perspective of medium and long-term investment, it is a good time for fixed investment at present, and it is also a way to promote fixed investment and attract long-term funds.Hershey’swaiting.
According to data disclosed by Ant Fortune in March, since the beginning of this year, more than 10 million investors have invested in the market with fixed investment in Ant Fortune, and the per capita fixed investment amount is nearly 3,000 yuan.
Three misunderstandings of fixed investment to be solved
Qinqin is an ordinary salaryman.In July last year, she bought it on the recommendation of a friendnew energyfund. At first, Qinqin made a lot of money, but who knows that this year the wind has changed abruptly,Fund NAVThe continuous decline not only swallowed up last year’s income, but also lost 30,000 yuan at one point.
“At the beginning of the year,bankThe financial manager suggested that I should invest in whatever I lose, so as to dilute the cost. Maybe it was too easy to make money before. I always feel that this new energy fund will rebound sooner or later, so I will invest 1,000 yuan per month from February. However, it has been falling since the set, which is making me more and more uneasy. ” Qin Qin said.
The sharp drop in April became the “last straw” that broke Qinqin, and in early April she decided to stop voting. What is more dramatic is that after bottoming out again, there was a rebound in the new energy fund in May. Counting the time, she has only had more than 2 months to actually make a fixed investment.
While fund companies are in full swing to promote fixed investment, some investment misunderstandings of Christian Democrats have become “stumbling blocks” that affect fixed investment returns.
Li Yimei, general manager of China AMC, believes that fixed investment carries investors’ expectations for a better future and a smile, but it is not easy to achieve a smile in the end.
HSBC Jintrust FundHe believes that fund fixed investment is to spread the investment cost of the fund evenly through long-term diversification. Therefore, insisting on fixed investment when the market is relatively low can help Christian Citizen reduce the overall cost of the investment portfolio and enhance the future profit potential of the investment portfolio.
In fact, the fact that some Christians have affected their fixed investment returns due to wrong timing is just the tip of the iceberg. China Asset Management recently released the “Investment Insight Report on Public Fund Investors” (hereinafter referred to as the “Report”). According to the report, there are three major immature behaviors of investors when making investment decisions.
First, some users like to chase the price when they make a fixed investment.The data shows that the enthusiasm of users to open the fixed investment is related to theThe Shanghai Composite IndexThere is an obvious correlation between the points, and the proportion of fixed investment in the Shanghai Stock Exchange Index above 3300 points is as high as 68%.
Second, some users are not good at choosing the timing of take profit. 48% of scheduled votes are inCSI 300In the past five years, if the index has been terminated below 50% of the valuation quantile, the average return of this part of the fixed investment is less than 2%, which shows that many users are not used to choosing the time of profit based on the valuation judgment.
Third, some users’ fixed investment time is too short, and the average user fixed investment time is only 153 days. If the fixed investment time is less than half a year, the profit experience is highly correlated with the short-term market trend, and the rate of return can only be left to luck. The shorter the fixed investment time, the lower the proportion of reaching the target rate of return.
The “Report” also shows that there are still many people who have not made a fixed vote at all. Among them, nearly 60% said they had never heard of fixed investment, or did not know how to operate fixed investment. All these mean that there is still much to be done in the publicity and promotion of fixed investment by fund companies.
Explore the road to high-quality development of the fund industry
In the past two years, while the fund industry has ushered in a golden period of development, there have also been many impetuous phenomena, such as the star of fund managers, the entertainment of product marketing, and the fans of Christian Democrats. However, the market adjustment after the carnival made Christian Democrats quite hurt. In this context, the regulatory authorities have made policy guidelines for the future of the fund industry.
In April this year, the China Securities Regulatory Commission issued the “Opinions on Accelerating the High-quality Development of the Public Fund Industry”. The “Opinions” stated that efforts should be made to improve investors’ sense of gain.Guide fund managers andFund salesThe institution firmly established the marketing concept centered on the interests of investors, strengthened investor suitability management, practiced “reverse sales”, actively expanded continuous marketing, innovated investor companionship methods, and strengthened investor protection.
As an investment method that can create relatively more considerable returns for users, fund fixed investment has naturally won the high attention of fund companies in the volatile market.
The “Report” shows that in the past 15 years, among the profitable regular investment users, 49.3% of the users have a return rate of more than 10%, while only 38% of the profitable non-fixed investment users have a return rate of more than 10%. Fixed investment can help users regulate investment discipline and dilute timing disturbance through invisible hands.
Fund companies are also striving to find solutions to the investment misunderstandings in the current CMC fixed investment, so as to provide investors with a better fixed investment experience.
Xue Ren believes that in the specific operation, fund companies mainly start from two aspects: first, through multi-form and multi-dimensional investorseducateso that users deeply agree with the long-term investment concept, and fully understand the relative advantages of fixed investment;Big DataAnd precision marketing system, when users are faced with a dilemma in making investment decisions, they can instantly match users, give them more companionship, and help them build confidence.
HSBC Jintrust Fund suggested that fund companies can also launch some targeted services to guide customers to make long-term fixed investment. For example, the company once launched the “strong fixed investment” service, which gives higher rate discounts to customers who have fixed investment for 36 months.
China Asset Management believes that under the current market environment, it is particularly important for the fund industry to effectively guide investors to carry out fund investment more rationally and professionally while doing a good job in investment management, so as to truly contribute to investors’ trust and return. Although it is difficult to achieve immediate results, only by not abandoning the slightest and not giving up an inch of work can we hope to gather the trickle and make the source of the fund industry more abundant.
(Article source: Shanghaisecuritiesnewspaper)
(Original title: Only by not giving up an inch of effort can the accumulation of current become a sea of shocking city fund companies to presume to invest)
(Editor in charge: 436)