What are the skills to buy graded funds?

Investors who invest in graded funds need to master three skills:

1. Can the investment grade A share reach the agreed rate of return?

In fact, most products guarantee the income of Class A share through Class B share, which can basically guarantee the agreed rate of return. However, there are also some products whose agreed income is not guaranteed by 100%. For example, if there is a graded fund, the agreed income of A is 0.5% higher than the 3-year fixed deposit rate. However, at the end of the closing period, if the net value of the parent fund is less than 1 yuan, A and B will share the losses in proportion. Therefore, investors should pay attention to these terms, and it is best to choose a variety with a high probability of obtaining the agreed rate of return.

2. Discount insurance rate

At present, most of the Class A shares of graded funds cannot be purchased and redeemed separately, so the discount rate of market price relative to the net value of on-site transactions has become a key factor of concern. Usually, the discount premium level of graded funds with matching conversion mechanism is low, which generally fluctuates in the range of-1% to 3%. However, the graded funds without matching conversion mechanism still show overall discount, and the discount premium rate is basically between-3.5% and-6.5%. Relatively speaking, the index grading fund is more volatile, more suitable for investors to operate in the band, and can focus on observing varieties with high discount rate.

3. The trading activity of Class A shares of graded funds in the secondary market.

Many capital transactions are not active, which will affect the transaction and affect the cost. Investors should focus on some funds with active transactions and good liquidity. According to the data of Wind Information, Yin Hua Zhenshi, Yin Hua Jinli, Shenwan Revenue and Double Jubilee A transactions are relatively active.