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2021-04-09

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How to choose investment funds—what to do, and what to avoid<blockquote>如何选择投资基金——做什么，避免什么</blockquote>

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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":348719147,"tweetId":"348719147","gmtCreate":1617962355989,"gmtModify":1634295505258,"author":{"id":3566625666991378,"idStr":"3566625666991378","authorId":3566625666991378,"authorIdStr":"3566625666991378","name":"jastsm","avatar":"https://static.tigerbbs.com/788c247e8da6b8b77693cdcfee1b68eb","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":6,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body>Cool</body></html>","htmlText":"<html><head></head><body>Cool</body></html>","text":"Cool","highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":4,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/348719147","repostId":1109126195,"repostType":4,"repost":{"id":"1109126195","kind":"news","pubTimestamp":1617959595,"share":"https://www.laohu8.com/m/news/1109126195?lang=zh_CN&edition=full","pubTime":"2021-04-09 17:13","market":"us","language":"en","title":"How to choose investment funds—what to do, and what to avoid<blockquote>如何选择投资基金——做什么，避免什么</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1109126195","media":"MarketWatch","summary":"Three factors to look at\nMore than half of Americans (53%) say they’re currently invested in exchang","content":"Three factors to look at<blockquote>需要关注的三个因素</blockquote> More than half of Americans (53%) say they’re currently invested in exchange-traded funds, mutual funds or index funds, according to a&nbsp;new NerdWallet survey. This same group of respondents shared what factors they consider when choosing investments, and while some are important considerations, others probably shouldn’t be a primary concern.<blockquote>根据NerdWallet的一项新调查，超过一半的美国人(53%)表示他们目前投资于交易所交易基金、共同基金或指数基金。同一组受访者分享了他们在选择投资时考虑的因素，虽然有些因素是重要的考虑因素，但其他因素可能不应该是首要考虑因素。</blockquote> Here’s a look at some practices you may want to adopt in your own investment research, as well as what you might avoid.<blockquote>以下是您在自己的投资研究中可能想要采用的一些做法，以及您可能要避免的做法。</blockquote> Future, past growth top ways investors choose funds<blockquote>未来、过去的增长投资者选择基金的主要方式</blockquote> Of Americans who say they're invested in ETFs, index funds or mutual funds, here's what they base their fund choices on.<blockquote>在那些表示自己投资于ETF、指数基金或共同基金的美国人中，以下是他们选择基金的依据。</blockquote> <img src=\"https://static.tigerbbs.com/83b2b12a81ca106c620aed234a9e3d6c\" tg-width=\"928\" tg-height=\"748\">Source: NerdWallet survey conducted online Feb. 9-11, 2021, by The Harris Poll. Respondents include 997 Americans who are invested in ETFs, index funds or mutual funds; they were able to choose more than one response.<blockquote>资料来源：哈里斯民意调查公司于2021年2月9日至11日在线进行的NerdWallet调查。受访者包括997名投资于ETF、指数基金或共同基金的美国人；他们可以选择不止一个答案。</blockquote> What to consider when choosing funds<blockquote>选择基金时要考虑什么</blockquote> 1. Keep growth in mind, but don’t try to predict the future<blockquote>1.牢记增长，但不要试图预测未来</blockquote> According to NerdWallet’s survey, 44% of Americans who are invested in&nbsp;ETFs,index funds&nbsp;or&nbsp;mutual fundssay they choose funds based on future growth potential and 32% choose them based on historical growth. You might compare funds’ past trajectories, but it’s important to understand that past performance isn’t a guarantee of future growth. And rather than try to identify which narrow sector will thrive in the future and invest there, you may want to choose a broad index fund that mirrors the performance of a market index — like the S&amp;P 500&nbsp;— shown to produce returns over a longer time horizon.<blockquote>根据NerdWallet调查，44%投资ETF、指数基金或共同基金的美国人表示，他们根据未来的增长潜力选择基金，32%的人根据历史的成长性选择基金。您可以比较基金过去的轨迹，但是要理解过去的业绩并不能保证未来的增长。您可能希望选择一只反映市场指数（例如标普500）表现的广泛指数基金，该指数显示出在较长时间内产生回报，而不是试图确定哪个狭窄的行业将在未来蓬勃发展并在那里进行投资。</blockquote> Passively-managed index funds and ETFs tend to be low-cost options for those who want a hands-off way to diversify their portfolios.<blockquote>对于那些想要以不干涉的方式实现投资组合多元化的人来说，被动管理的指数基金和ETF往往是低成本的选择。</blockquote> 2. Minimize costs so they don’t eat up returns<blockquote>2.最小化成本，这样它们就不会吃掉回报</blockquote> The survey shows that close to 3 in 10 Americans who are invested in ETFs, index funds or mutual funds (28%) say they choose funds based on which ones have low fees. Again, passively managed funds tend to carry lower costs, while actively managed mutual funds might be more expensive since a human advisor is choosing the investments.<blockquote>调查显示，近十分之三投资ETF、指数基金或共同基金的美国人（28%）表示，他们选择基金的依据是费用低。同样，被动管理的基金往往成本较低，而主动管理的共同基金可能更昂贵，因为投资是由人类顾问选择的。</blockquote> When evaluating costs, a major factor to consider is the fund’s&nbsp;expense ratio. This is an annual fee expressed as a percentage of your investment. You should compare the expense ratio of the fund you’re considering to that of other similar funds to make sure you’re evaluating it in context. While 1% might seem like a low fee, it could cost tens or even hundreds of thousands of dollars more over time than a fund with an expense ratio of 0.25%.<blockquote>在评估成本时，要考虑的一个主要因素是基金的费用率。这是以您投资的百分比表示的年费。您应该将您正在考虑的基金的费用比率与其他类似基金的费用比率进行比较，以确保您在上下文中评估它。虽然1%的费用似乎很低，但随着时间的推移，它可能会比费用率为0.25%的基金多花费数万甚至数十万美元。</blockquote> 3. Consider social impact if that’s a priority for you<blockquote>3.考虑社会影响，如果这是你的首要任务</blockquote> About a quarter of Americans who are invested in ETFs, index funds or mutual funds (24%) say they choose funds comprising companies or industries that align with their beliefs, according to the survey.&nbsp;Socially responsible investing, or SRI, is gaining in popularity and allows investors to choose funds composed of companies doing good in the world, such as promoting racial equality or having sustainable practices.<blockquote>调查显示，大约四分之一投资ETF、指数基金或共同基金的美国人（24%）表示，他们选择由符合他们信念的公司或行业组成的基金。社会责任投资（SRI）越来越受欢迎，允许投资者选择由在世界上做好事的公司组成的基金，如促进种族平等或具有可持续实践。</blockquote> “Doing good” means different things to different people, but you can start by screening for funds based on factors that matter to you. Remember to check out expense ratios for any SRI funds you’re interested in, as you may find that some have higher fees than traditional funds.<blockquote>“做好事”对不同的人有不同的含义，但您可以从根据对您重要的因素筛选资金开始。请记住检查您感兴趣的任何SRI基金的费用比率，因为您可能会发现有些基金的费用比传统基金更高。</blockquote> What not to consider when choosing funds<blockquote>选择基金时不要考虑什么</blockquote> Word of mouth<blockquote>口口相传</blockquote> According to the survey, among Americans who are invested in ETFs, index funds or mutual funds, 19% say they choose funds recommended by loved ones and 13% say they choose funds discussed in the media. Even if your loved one is a financial professional or otherwise financially savvy, it may not be a great idea to get investing information from friends and family.<blockquote>调查显示，在投资ETF、指数基金或共同基金的美国人中，19%的人说他们选择亲人推荐的基金，13%的人说他们选择媒体讨论的基金。即使您所爱的人是金融专业人士或精通金融，从朋友和家人那里获取投资信息也可能不是一个好主意。</blockquote> Instead, do your own research. Likewise, investments discussed in the media might not be the best suited to your needs. And consider your personal financial goals, risk tolerance and the amount of time you have to invest when&nbsp;choosing your investments.<blockquote>相反，做你自己的研究。同样，媒体上讨论的投资可能不是最适合你的需求。在选择投资时，请考虑您的个人财务目标、风险承受能力以及您必须投资的时间。</blockquote>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>How to choose investment funds—what to do, and what to avoid<blockquote>如何选择投资基金——做什么，避免什么</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHow to choose investment funds—what to do, and what to avoid<blockquote>如何选择投资基金——做什么，避免什么</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMarketWatch2021-04-09 17:13\n\n</h4>\n</header>\n<article>\nThree factors to look at<blockquote>需要关注的三个因素</blockquote> More than half of Americans (53%) say they’re currently invested in exchange-traded funds, mutual funds or index funds, according to a&nbsp;new NerdWallet survey. This same group of respondents shared what factors they consider when choosing investments, and while some are important considerations, others probably shouldn’t be a primary concern.<blockquote>根据NerdWallet的一项新调查，超过一半的美国人(53%)表示他们目前投资于交易所交易基金、共同基金或指数基金。同一组受访者分享了他们在选择投资时考虑的因素，虽然有些因素是重要的考虑因素，但其他因素可能不应该是首要考虑因素。</blockquote> Here’s a look at some practices you may want to adopt in your own investment research, as well as what you might avoid.<blockquote>以下是您在自己的投资研究中可能想要采用的一些做法，以及您可能要避免的做法。</blockquote> Future, past growth top ways investors choose funds<blockquote>未来、过去的增长投资者选择基金的主要方式</blockquote> Of Americans who say they're invested in ETFs, index funds or mutual funds, here's what they base their fund choices on.<blockquote>在那些表示自己投资于ETF、指数基金或共同基金的美国人中，以下是他们选择基金的依据。</blockquote> <img src=\"https://static.tigerbbs.com/83b2b12a81ca106c620aed234a9e3d6c\" tg-width=\"928\" tg-height=\"748\">Source: NerdWallet survey conducted online Feb. 9-11, 2021, by The Harris Poll. Respondents include 997 Americans who are invested in ETFs, index funds or mutual funds; they were able to choose more than one response.<blockquote>资料来源：哈里斯民意调查公司于2021年2月9日至11日在线进行的NerdWallet调查。受访者包括997名投资于ETF、指数基金或共同基金的美国人；他们可以选择不止一个答案。</blockquote> What to consider when choosing funds<blockquote>选择基金时要考虑什么</blockquote> 1. Keep growth in mind, but don’t try to predict the future<blockquote>1.牢记增长，但不要试图预测未来</blockquote> According to NerdWallet’s survey, 44% of Americans who are invested in&nbsp;ETFs,index funds&nbsp;or&nbsp;mutual fundssay they choose funds based on future growth potential and 32% choose them based on historical growth. You might compare funds’ past trajectories, but it’s important to understand that past performance isn’t a guarantee of future growth. And rather than try to identify which narrow sector will thrive in the future and invest there, you may want to choose a broad index fund that mirrors the performance of a market index — like the S&amp;P 500&nbsp;— shown to produce returns over a longer time horizon.<blockquote>根据NerdWallet调查，44%投资ETF、指数基金或共同基金的美国人表示，他们根据未来的增长潜力选择基金，32%的人根据历史的成长性选择基金。您可以比较基金过去的轨迹，但是要理解过去的业绩并不能保证未来的增长。您可能希望选择一只反映市场指数（例如标普500）表现的广泛指数基金，该指数显示出在较长时间内产生回报，而不是试图确定哪个狭窄的行业将在未来蓬勃发展并在那里进行投资。</blockquote> Passively-managed index funds and ETFs tend to be low-cost options for those who want a hands-off way to diversify their portfolios.<blockquote>对于那些想要以不干涉的方式实现投资组合多元化的人来说，被动管理的指数基金和ETF往往是低成本的选择。</blockquote> 2. Minimize costs so they don’t eat up returns<blockquote>2.最小化成本，这样它们就不会吃掉回报</blockquote> The survey shows that close to 3 in 10 Americans who are invested in ETFs, index funds or mutual funds (28%) say they choose funds based on which ones have low fees. Again, passively managed funds tend to carry lower costs, while actively managed mutual funds might be more expensive since a human advisor is choosing the investments.<blockquote>调查显示，近十分之三投资ETF、指数基金或共同基金的美国人（28%）表示，他们选择基金的依据是费用低。同样，被动管理的基金往往成本较低，而主动管理的共同基金可能更昂贵，因为投资是由人类顾问选择的。</blockquote> When evaluating costs, a major factor to consider is the fund’s&nbsp;expense ratio. This is an annual fee expressed as a percentage of your investment. You should compare the expense ratio of the fund you’re considering to that of other similar funds to make sure you’re evaluating it in context. While 1% might seem like a low fee, it could cost tens or even hundreds of thousands of dollars more over time than a fund with an expense ratio of 0.25%.<blockquote>在评估成本时，要考虑的一个主要因素是基金的费用率。这是以您投资的百分比表示的年费。您应该将您正在考虑的基金的费用比率与其他类似基金的费用比率进行比较，以确保您在上下文中评估它。虽然1%的费用似乎很低，但随着时间的推移，它可能会比费用率为0.25%的基金多花费数万甚至数十万美元。</blockquote> 3. Consider social impact if that’s a priority for you<blockquote>3.考虑社会影响，如果这是你的首要任务</blockquote> About a quarter of Americans who are invested in ETFs, index funds or mutual funds (24%) say they choose funds comprising companies or industries that align with their beliefs, according to the survey.&nbsp;Socially responsible investing, or SRI, is gaining in popularity and allows investors to choose funds composed of companies doing good in the world, such as promoting racial equality or having sustainable practices.<blockquote>调查显示，大约四分之一投资ETF、指数基金或共同基金的美国人（24%）表示，他们选择由符合他们信念的公司或行业组成的基金。社会责任投资（SRI）越来越受欢迎，允许投资者选择由在世界上做好事的公司组成的基金，如促进种族平等或具有可持续实践。</blockquote> “Doing good” means different things to different people, but you can start by screening for funds based on factors that matter to you. Remember to check out expense ratios for any SRI funds you’re interested in, as you may find that some have higher fees than traditional funds.<blockquote>“做好事”对不同的人有不同的含义，但您可以从根据对您重要的因素筛选资金开始。请记住检查您感兴趣的任何SRI基金的费用比率，因为您可能会发现有些基金的费用比传统基金更高。</blockquote> What not to consider when choosing funds<blockquote>选择基金时不要考虑什么</blockquote> Word of mouth<blockquote>口口相传</blockquote> According to the survey, among Americans who are invested in ETFs, index funds or mutual funds, 19% say they choose funds recommended by loved ones and 13% say they choose funds discussed in the media. Even if your loved one is a financial professional or otherwise financially savvy, it may not be a great idea to get investing information from friends and family.<blockquote>调查显示，在投资ETF、指数基金或共同基金的美国人中，19%的人说他们选择亲人推荐的基金，13%的人说他们选择媒体讨论的基金。即使您所爱的人是金融专业人士或精通金融，从朋友和家人那里获取投资信息也可能不是一个好主意。</blockquote> Instead, do your own research. Likewise, investments discussed in the media might not be the best suited to your needs. And consider your personal financial goals, risk tolerance and the amount of time you have to invest when&nbsp;choosing your investments.<blockquote>相反，做你自己的研究。同样，媒体上讨论的投资可能不是最适合你的需求。在选择投资时，请考虑您的个人财务目标、风险承受能力以及您必须投资的时间。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.marketwatch.com/story/how-to-choose-investment-fundswhat-to-do-and-what-to-avoid-11617385399?mod=mw_latestnews\">MarketWatch</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯"},"source_url":"https://www.marketwatch.com/story/how-to-choose-investment-fundswhat-to-do-and-what-to-avoid-11617385399?mod=mw_latestnews","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1109126195","content_text":"Three factors to look at\nMore than half of Americans (53%) say they’re currently invested in exchange-traded funds, mutual funds or index funds, according to a new NerdWallet survey. This same group of respondents shared what factors they consider when choosing investments, and while some are important considerations, others probably shouldn’t be a primary concern.\nHere’s a look at some practices you may want to adopt in your own investment research, as well as what you might avoid.\nFuture, past growth top ways investors choose funds\nOf Americans who say they're invested in ETFs, index funds or mutual funds, here's what they base their fund choices on.\nSource: NerdWallet survey conducted online Feb. 9-11, 2021, by The Harris Poll. Respondents include 997 Americans who are invested in ETFs, index funds or mutual funds; they were able to choose more than one response.\nWhat to consider when choosing funds\n1. Keep growth in mind, but don’t try to predict the future\nAccording to NerdWallet’s survey, 44% of Americans who are invested in ETFs,index funds or mutual fundssay they choose funds based on future growth potential and 32% choose them based on historical growth. You might compare funds’ past trajectories, but it’s important to understand that past performance isn’t a guarantee of future growth. And rather than try to identify which narrow sector will thrive in the future and invest there, you may want to choose a broad index fund that mirrors the performance of a market index — like the S&P 500 — shown to produce returns over a longer time horizon.\nPassively-managed index funds and ETFs tend to be low-cost options for those who want a hands-off way to diversify their portfolios.\n2. Minimize costs so they don’t eat up returns\nThe survey shows that close to 3 in 10 Americans who are invested in ETFs, index funds or mutual funds (28%) say they choose funds based on which ones have low fees. Again, passively managed funds tend to carry lower costs, while actively managed mutual funds might be more expensive since a human advisor is choosing the investments.\nWhen evaluating costs, a major factor to consider is the fund’s expense ratio. This is an annual fee expressed as a percentage of your investment. You should compare the expense ratio of the fund you’re considering to that of other similar funds to make sure you’re evaluating it in context. While 1% might seem like a low fee, it could cost tens or even hundreds of thousands of dollars more over time than a fund with an expense ratio of 0.25%.\n3. Consider social impact if that’s a priority for you\nAbout a quarter of Americans who are invested in ETFs, index funds or mutual funds (24%) say they choose funds comprising companies or industries that align with their beliefs, according to the survey. Socially responsible investing, or SRI, is gaining in popularity and allows investors to choose funds composed of companies doing good in the world, such as promoting racial equality or having sustainable practices.\n“Doing good” means different things to different people, but you can start by screening for funds based on factors that matter to you. Remember to check out expense ratios for any SRI funds you’re interested in, as you may find that some have higher fees than traditional funds.\nWhat not to consider when choosing funds\nWord of mouth\nAccording to the survey, among Americans who are invested in ETFs, index funds or mutual funds, 19% say they choose funds recommended by loved ones and 13% say they choose funds discussed in the media. Even if your loved one is a financial professional or otherwise financially savvy, it may not be a great idea to get investing information from friends and family.\nInstead, do your own research. Likewise, investments discussed in the media might not be the best suited to your needs. And consider your personal financial goals, risk tolerance and the amount of time you have to invest when choosing your investments.","news_type":1,"symbols_score_info":{".IXIC":0.9,".SPX":0.9,".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":470,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":4,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/348719147"}