一、喜新厌旧买新的基金还是老的基金?按照中国人的传统思维,新的总比旧的好,很多投资者宁愿买新基金不愿买老基金,这恰恰是个误区。新发的基金就比老的基金更值得买吗?答案是否定的。这里先解释一下所谓的“基金净值”。净值就是基金持有的所有资产的标价。新基金在募集期,所持的都是现金,所以起初净值标价为1元。而老基金已经建仓,所持有的投资组合(包括股票、债券、现金等)运作了一段时间,这些资产的价格会发生波动。绝大多数老基金,净值远远大于1,是因为这些基金所持有的资产已经上涨。 First, the hi new tired of buying a new fund or the old fund? According to Chinese traditional thinking, the new better than the old, many investors would rather buy a new fund reluctant to buy the old fund, which is precisely a misunderstanding. The new fund is more worth buying than the old fund? The answer is no. Here to explain the so-called “net fund.” Net worth is the price of all assets held by the fund. The new fund in the recruitment period, all held in cash, so the initial net price of 1 yuan. The old fund has been opened, the holdings of the portfolio (including stocks, bonds, cash, etc.) for some time, the price of these assets will fluctuate. Most of the old funds, the net is much larger than 1, because the assets held by these funds have risen.