|
|
发表于 2021-7-4 13:30:20
|
显示全部楼层
Typical fund has a ROI of 10% per annum is quite good. When you say the fund can do 30% return... there is a word of caution here....
Chances are the 30% return has already happened, otherwise, you wouldn't be quoting that number. As well, you have to understand the dynamics of a mutual fund -- what it really is.
It is a collective of individual stock, diversified into various companies/industries. So if these stocks have risen by 30% YoY between 2019 and 2020 then the mutual fund will go up by the same or similar amount. There is no market sense where the mutual fund can raise more than the individual stock -- in fact -- its always less.
To be frank, you have to be careful of the 30% increase figure... chances are, the mutual fund agent is showing you the fund's performance YoY -- meaning 2019 vs. 2020 (I am guessing).. If you are in the market in 2019, you can see there was a big sell off in March, 2019 and then shortly after in Jun/July 2019, there was a bull market up until now -- so a 30% increase is not anything special -- its just something that the overall market had performed. If you look at the overall S&P or DJ indices, you can get a sense of how the overall market had performed.
So BUYER BEWARE! When someone market you an investment saying there is a 30% return, you really need to understand the dynamics of that investment and under what market conditions was the 30% achieved under. Do some more fundamental analysis and reviews of what the mutual fund holds before making a decision.
As always, invest using the money you don't need. Don't bet your house into anything as "past market performance, does not guarantee future success." |
|
楼主: 兰陵笑笑生
楼主