15个基金常识，理财小白入门必看
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<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">源自</span>：</span><span style="color: black;"><span style="color: black;">龙行天下虎</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">1.<span style="color: black;">倘若</span>看待<span style="color: black;">信息</span>面上的<span style="color: black;">好处</span>利空，对股市的影响？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">理性看待，不要平时一看见一个利空，就马上想着割肉，看见<span style="color: black;">好处</span>就<span style="color: black;">懊悔</span>自己没加仓<span style="color: black;">或</span>很兴奋，利空不<span style="color: black;">必定</span>跌，<span style="color: black;">好处</span>不<span style="color: black;">必定</span>涨，</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">在<span style="color: black;">便是</span>不管是<span style="color: black;">好处</span>还是利空，对A股的影响<span style="color: black;">亦</span>是有限的，最后都会涨回来假如持仓正好碰到利空会<span style="color: black;">怎么样</span>？有两种可能，一种是当天低开高走，在<span style="color: black;">或</span>是跌一两天<span style="color: black;">而后</span>在涨起来，不管<span style="color: black;">怎样</span>其实只是会让你的基金跌一下，<span style="color: black;">而后</span>还是会涨起来，基金<span style="color: black;">不必</span>频繁买卖，长线持有才可盈利。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">2.基金持有几只比较合适？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">这个要看你的资金量是有多大，<span style="color: black;">倘若</span>资金仓位比较多的话，<span style="color: black;">能够</span>适当的多买几只，分散投资，分散<span style="color: black;">危害</span>，<span style="color: black;">每一个</span>热门版块都<span style="color: black;">平衡</span>配置一点，10-15只<span style="color: black;">上下</span>就<span style="color: black;">能够</span>，但<span style="color: black;">倘若</span>你的资金仓位不多，<span style="color: black;">意见</span>专攻几只基金，不要买太多基，5-7只就够了</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">3.手上<span style="color: black;">日前</span>基金亏损怎么办，要出吗？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">只要方向上是继续看好，这个基金就没问题，行情<span style="color: black;">便是</span>来来回回周而复始的，不会说<span style="color: black;">始终</span>涨<span style="color: black;">始终</span>跌，但<span style="color: black;">此刻</span>亏着跑是真的<span style="color: black;">不必</span>，等你跑了，到时涨起来你又<span style="color: black;">懊悔</span>，基金在<span style="color: black;">无</span>出之前都只是一串数字，不会说跌到<span style="color: black;">无</span>，要是你<span style="color: black;">此刻</span>出<span style="color: black;">便是</span>真亏了，今年主流板块<span style="color: black;">亦</span>就科技这几个，拿好就行啦。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">4.<span style="color: black;">为何</span>说基金<span style="color: black;">不可</span>满仓重仓干？<span style="color: black;">这般</span>不是赚的<span style="color: black;">更加多</span>吗</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">买的越多赚的越多，基金重仓在牛市的时候肯定是<span style="color: black;">能够</span>赚<span style="color: black;">更加多</span>钱，但要是碰上个熊市和<span style="color: black;">忽然</span>下跌的行情，那你哭的<span style="color: black;">地区</span>都<span style="color: black;">无</span>，这就好比一句话，留得青山在不愁没柴烧，投资不是赌，不<span style="color: black;">意见</span>一把梭哈，要给自己留出足够的仓位，<span style="color: black;">这般</span><span style="color: black;">才可</span>进可攻，退可守，别老想着<span style="color: black;">一晚上</span>暴富，安全的基金仓位是在5-7层，永远不<span style="color: black;">意见</span>满仓重仓，<span style="color: black;">否则</span>危险来的时候，你<span style="color: black;">亦</span>值能干看着</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">虽然不<span style="color: black;">晓得</span>我提醒有<span style="color: black;">无</span>人听的进去，但还是要经常提醒，这非常重要</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">5.基金A和C怎么<span style="color: black;">选取</span>？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">玩长线买A类基金好，玩短线的话C类好手续福划算<span style="color: black;">有些</span>，其他<span style="color: black;">无</span>差别了哦。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">6.基金赚了什么时候跑？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">这个其实<span style="color: black;">无</span>标普答案<span style="color: black;">能够</span>抄，有的人<span style="color: black;">爱好</span>赚2个点就出，有的人<span style="color: black;">爱好</span>赚几十个点出，都<span style="color: black;">无</span>准确的，但只要赚了出<span style="color: black;">便是</span>对，钱是赚不完的，<span style="color: black;">不外</span>这个其实<span style="color: black;">亦</span>比较难，<span style="color: black;">由于</span>跑早了少赚，跑晚了倒贴，<span style="color: black;">心理</span>很重要，<span style="color: black;">倘若</span>你是持有<span style="color: black;">长时间</span>，短期涨跌不<span style="color: black;">留意</span>收益肯定会高，但<span style="color: black;">倘若</span>你是玩短期很<span style="color: black;">留意</span><span style="color: black;">每日</span>的波动，那还是赚了就跑的好，<span style="color: black;">倘若</span>你担心跑早少赚，就分批止盈。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">7.债基有必要持有吗？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">倘若</span>你有闲钱的话，适当配置一点债基<span style="color: black;">亦</span>没问题，<span style="color: black;">无</span>闲钱最好不买，债基<span style="color: black;">必定</span>要选好，持有1-2个就好，不要太多。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">8.基金转换是<span style="color: black;">怎样</span>转换的，转换是怎么计算时间的？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">在你基金的卖出界面，会有转换的选项，但并不是<span style="color: black;">每一个</span>基金都<span style="color: black;">能够</span>转，<span style="color: black;">详细</span>以你页面<span style="color: black;">表示</span>为主，基金转换其实就是帮你省了个中间卖出和买入等待的时间，并不会帮你省手续费高，其他都是不变的，</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">举个简单的例子，你周一下午15：00前，把医药基金转到券商，那<span style="color: black;">次日</span>券商的涨跌就跟你<span style="color: black;">相关</span>，还有<span style="color: black;">便是</span>，转出的基<span style="color: black;">亦</span>要满七天，<span style="color: black;">否则</span>还是会有1.5%的手续费。</span></span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/69e894eecc4440679f8384672a7ecda8~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1727405383&x-signature=kmQ%2B%2FQexFdhpE4k%2BweCjdaOu4Xw%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">9.有的基金估值<span style="color: black;">为何</span>不准?</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">不管你是在哪里看的，基金的估值都<span style="color: black;">是由于</span>所持仓的十大股票估算出来的，但重点是，基金的十大重仓股票持仓的每一季度更新一次，并且<span style="color: black;">此刻</span>基金<span style="color: black;">颁布</span>都是上一季度的股票持仓，<span style="color: black;">亦</span><span style="color: black;">便是</span>说都是老黄历了，<span style="color: black;">因此</span>说<span style="color: black;">按照</span>旧的基金持仓来计算估值，中间基金经理会<span style="color: black;">按照</span>行情来调仓换股，不会说一成不变的，<span style="color: black;">因此</span>说估值<span style="color: black;">亦</span>经常会<span style="color: black;">显现</span>忽高忽低不准的<span style="color: black;">状况</span>。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">可能会有人问，那怎么<span style="color: black;">才可</span>查到一个基金最新的持仓呢？这个是查不到的，<span style="color: black;">每一个</span>基金的持仓股票都是基金经理的小<span style="color: black;">奥密</span>，<span style="color: black;">按照</span>规定是不<span style="color: black;">能够</span><span style="color: black;">泄密</span>的，只能一个季度更新一次，看到<span style="color: black;">这儿</span><span style="color: black;">大众</span>基本是就明白了<span style="color: black;">每一个</span>基金都会有不准的时候，不管什么基金都是<span style="color: black;">同样</span>的，其实人<span style="color: black;">亦</span>挺奇怪的，基金更新比估值少的时候，<span style="color: black;">大众</span>都觉得是偷吃了，基金更新比估值多的时候，又觉得是理所当然，并<span style="color: black;">无</span>什么内幕，用正确的思路看待才好。</span></span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/e42143b50d194a0798a233715fa95493~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1727405383&x-signature=UwD%2F3nQw7kOvGTEwlc0mkRP7i08%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">10.怎么区分基金是哪个版块的？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">最快最直接的办法，你打开基金，点基金档案、持仓，看一下十大重仓的股票，<span style="color: black;">而后</span>去查一下这个股票是什么喊行业基本就<span style="color: black;">晓得</span>了。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">11.学会技术指标真的<span style="color: black;">能够</span>在股市<span style="color: black;">挣钱</span>吗？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">这个问题的答案是不<span style="color: black;">必定</span>的，<span style="color: black;">首要</span>你要<span style="color: black;">晓得</span>，技术指标是反应股市过去走势的一个指标，并不能预测<span style="color: black;">将来</span>，有时候你看着技术指标死叉（下跌），<span style="color: black;">而后</span>他就涨了，有时候你看着金叉（上涨），<span style="color: black;">而后</span>他就跌了。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">股市更<span style="color: black;">大都是</span>受到<span style="color: black;">信息</span>面影响，<span style="color: black;">信息</span>面好了就涨，<span style="color: black;">信息</span>面利空就跌，当然技术指标<span style="color: black;">亦</span>不是完全<span style="color: black;">无</span>，<span style="color: black;">能够</span>当买入卖出的参考，但<span style="color: black;">不可</span>完全依赖哦，技术指标就好比彩票里面的走势图<span style="color: black;">同样</span>，一个道理，仅供参考。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">12. 买基金总是担心<span style="color: black;">次日</span>涨跌怎么办？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">相信有<span style="color: black;">非常多</span>新手<span style="color: black;">伴侣</span>，在刚买基金的时候，<span style="color: black;">心理</span>上会有一点变化，<span style="color: black;">例如</span>今天买了明天涨了，你就很开心，但明天跌了，你就很生气不开心，这种<span style="color: black;">心理</span>是不对的。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">咱们要明白一个道理，基金不是比股票，股票看的是<span style="color: black;">每日</span>的涨跌，基金是看长线的涨跌，最好的<span style="color: black;">办法</span><span style="color: black;">便是</span>， <span style="color: black;">选取</span>一个你看好的基金，买入后长线持有，跌了加涨了卖，盈利自然是简单。<span style="color: black;">大众</span><span style="color: black;">亦</span><span style="color: black;">必定</span>经常听我说，不要<span style="color: black;">留意</span>一天的涨跌，我<span style="color: black;">能够</span>给你举个简单的例子，</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">你今天买入一个基金，明天跌了，你不开心，后天了你开心，在<span style="color: black;">或</span>是今天买入，明天涨了，你觉得自己买对了很开心，后天跌了，你又觉得买错了，这种事经常有的。买基金重要的是方向，像<span style="color: black;">咱们</span>之前买的新能源等等，中间<span style="color: black;">或</span>最开始可能会<span style="color: black;">显现</span>短暂的下跌，<span style="color: black;">倘若</span>你在下跌的时候就直接出了，那不就倒在黎明前了，拿到<span style="color: black;">此刻</span><span style="color: black;">亦</span>盈利10%-45%了，<span style="color: black;">期盼</span><span style="color: black;">大众</span><span style="color: black;">针对</span>行情，冷静面对，认真分析。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">13.买基中低估值和高估值的基哪个更好？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">买基金的时候你当然<span style="color: black;">亦</span>会看这个基金是在高位还是低位，<span style="color: black;">不外</span>高低只是决定<span style="color: black;">是不是</span>买入的其中一个标准，方向才是最重要的，方向看涨，好比新能源，<span style="color: black;">始终</span>是高点<span style="color: black;">始终</span>涨，方向不看好，<span style="color: black;">例如</span>银行，<span style="color: black;">始终</span>都在低位<span style="color: black;">始终</span>都不涨，还<span style="color: black;">始终</span>跌，方向看涨，一切OK，方向不看好，什么都<span style="color: black;">欠好</span>。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">14. 基金规模到底是大了好还是小了好？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">相信<span style="color: black;">大众</span>在买一个基金的时候，都会先<span style="color: black;">瞧瞧</span>这个基金的规模是大还是小，要认真说的话，基金规模大和小分别都有<span style="color: black;">区别</span>的好处坏处，说完你就明白。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模小的好处：</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模小，方便基金经理进行调仓，其操作比较灵活，<span style="color: black;">所说</span>船小好调头</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模小的坏处：</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模小的话，会有基金清盘的<span style="color: black;">危害</span>，</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金清盘，<span style="color: black;">亦</span>不是说什么都没了，而是会<span style="color: black;">根据</span>基金某一天的净值进行赎回，把资金还给投资者。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模大的好处：</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模大肯定被清盘的概率就很小，并且规模大的基金手续费<span style="color: black;">都数</span><span style="color: black;">亦</span>相对低一点</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模大的坏处：</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">基金规模大，运作操作起来就会比较困难，需要配置<span style="color: black;">更加多</span>的股票，可能会<span style="color: black;">引起</span>基金经理难以集中精力跟踪每只股票，<span style="color: black;">有害</span>于基金经理调仓，影响操作灵活性，对你的收益会有<span style="color: black;">欠好</span>的影响。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">不管基金<span style="color: black;">怎样</span>，能<span style="color: black;">挣钱</span>的基金才是好基金，规模在大，<span style="color: black;">不可</span><span style="color: black;">挣钱</span><span style="color: black;">亦</span>没用，规模在小，能<span style="color: black;">挣钱</span><span style="color: black;">亦</span>OK，我个人是不会买那种会清盘的基金，我<span style="color: black;">能够</span>很自信的说，买基金这么<span style="color: black;">数年</span><span style="color: black;">败兴</span>，我还没买到一只清盘的基金，每一只基金我都会认真筛选，就好比<span style="color: black;">日前</span>持有的国寿安保、华商万众，永赢智能、中海环保等等，规模不<span style="color: black;">亦</span>而是很小，最后<span style="color: black;">亦</span>是盈利16%-50%。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">15.<span style="color: black;">怎样</span>判断大盘是高开还是低开？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">能够</span>参考富时中国A50指数，这个指数开盘早于A股，<span style="color: black;">因此</span>对A股有<span style="color: black;">必定</span>预见性，<span style="color: black;">通常</span><span style="color: black;">来讲</span>，A50指数收涨或高开，大盘就大概率高开，A50指数收跌或低开，大盘就大概率低开，<span style="color: black;">重视</span>这个只<span style="color: black;">能够</span>参考，并不是说百分百的几率，并且只能预测开盘，开盘后就没参考<span style="color: black;">道理</span>了，开盘后就看主力外资动向。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">另一</span>有一点，美股的涨跌对A股的开盘<span style="color: black;">亦</span>有<span style="color: black;">必定</span>影响，举个例子，<span style="color: black;">倘若</span>富时中国A50指数收涨，但美股大跌，那A股<span style="color: black;">同样</span>会低开，<span style="color: black;">或</span>是富时中国A50指数收跌，美股大涨，A股<span style="color: black;">亦</span>大概率会高开。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">本文观点仅<span style="color: black;">表率</span>原作者，仅供参考，不<span style="color: black;">做为</span>投资<span style="color: black;">意见</span>。投资有<span style="color: black;">危害</span>，请审慎<span style="color: black;">选取</span>。</span></span></p>
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