Our reporter Wang Siwen

  "Can funds make money in the end?" - This topic has been the confusion of almost all Christian Democrats recently.

Since the beginning of this year, the A-share market has fluctuated and corrected, and the net value of funds has dropped significantly. The yield of funds held by Christian Democrats has decreased by 10% to 20%, especially for individual star fund products. This also puts many star fund managers in the The "cusp" of public opinion.

  According to the data of Oriental Fortune Choice, the fund types with more obvious withdrawals in the whole market this year are the single-industry themed funds, including pharmaceutical-themed funds, military-themed funds, TMT-themed funds, and photovoltaic-themed funds. above 15%.

In particular, the industry-themed funds that have fallen more this year generally have higher yields last year. For example, funds that heavily invested in new energy and other popular sectors last year have retreated significantly since the beginning of this year.

  Specifically, since the beginning of this year, the income of the pharmaceutical-themed fund has been accompanied by the continuous correction of the pharmaceutical sector at the beginning of the year, and the retracement has been very serious.

According to data from Oriental Fortune Choice, as of February 16, there were 168 pharmaceutical-themed funds in the market (A/C shares are calculated separately), with an average decline of 16.06% since the beginning of this year; followed by military-themed funds, the data shows that there are 40 in the whole market. Military-themed funds (A/C shares are calculated separately), as of February 16, the average decline this year has been as high as 16.85%.

  The decline of TMT theme funds is also very obvious. At present, there are 56 TMT theme funds in the whole market (A/C shares are calculated separately). As of February 16, the average decline this year has reached 12.33%. Among them, Haifutong Electronic Information Media Industry stocks , China Merchants Mobile Internet Industry Stock Fund and other 48 TMT themed funds fell more than 10% this year.

  In addition, photovoltaic-themed funds, consumer-themed funds, and new energy-themed funds have also declined relatively sharply this year, with many related themed funds falling by more than 10%.

  Overall, over 500 funds have withdrawn over 16% during the year, of which 202 are industry-themed funds, accounting for over 40%.

  A public fund manager in Beijing said in an interview with the "Securities Daily" reporter, "Individual investors should fully realize that the volatility and periodicity of industry-themed funds are higher before choosing an industry-themed fund. The advantages and disadvantages are that such fund products may have high gains in the short term, or they may retreat quickly with the short-term market correction.”

  "So I recommend that ordinary Christians pay more attention to balanced allocation funds. If investors have in-depth research on a certain industry, they can choose to allocate industry-themed funds." The above-mentioned fund manager further stated.

  Chen Jiande, general manager of Tianlang Asset Management, recently expressed his opinion that it is not easy for ordinary Christians to choose industry-themed funds. There are four main factors: first, most people do not have very professional industry analysis and judgment ability; second The reason is that most people's risk tolerance is not strong; the third is that most people buy funds to chase the wind, chase the ups and downs; the fourth is that most people buy funds with a short cycle.

Therefore, it is very important for Christian Democrats to seek professional investment advisors.

In other words, you don’t have to choose an industry-themed fund, you can choose an index fund with a wider standard for allocation.

  Many Christian Democrats also bluntly said that investing in 2022 is too difficult, what should I do if I lose 300 days of income in half a month?

  A FOF fund manager of a public fund in Beijing said in an analysis by a reporter from Securities Daily: "The first is to make a plan before investing and use spare money to invest. The second is to do a good job in asset allocation. The third is to avoid paying too much attention to market fluctuations. , to extend the breadth of the verification cycle. The fourth is to reasonably adhere to the fixed investment to further smooth the risk.”

  Zheng Yuan, FOF investment director of Nord Fund, also said that for public investors, fund investment should be a way of long-term asset allocation, which belongs to the category of financial management. It should not only have reasonable income expectations, but also focus on avoiding major risks.

  "Everyone should avoid describing fund investment as a means to get rich. When publicizing fund investment to public investors, it should not only simply publicize historical returns and relative rankings, but also include historical volatility levels and returns. A clear description of the withdrawal level, so that public investors can fully understand the favorable and unfavorable factors of the investment products." Zheng Yuan said.

(Securities Daily)