有人懂什么是fund的performance indicator吗？怎么算的？（图）

花心石

我一直认为performance indicator是指fund的收益率，可是最近读的一支fund的factsheet却让我弄不懂，内容如下，部分内容被我屏蔽了。

 

问1：这支fund（蓝线）的发行价是1.00元，之后却基本没有上过0.90元（02年之后一直在0.60元以下），当初发行时买这支fund的人都该赔本才对，为什么bid-to-bid since  inception还有6.73%呢？

问2：Benchmark（红线）的业绩明显优于蓝线，为什么since  inception却只有2.02%呢？

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专业外行

括号是负数的意思，(6.73%)就是-6.73%

husonghu

专业外行朋友说对了.  业绩表里的括号表示负数.

husonghu

要选前期performance较好的那个，有时选前期performance较差的那个可能收益会更好，因它的potential可能比前者大。关键要看fundamentals。 www.ddhw.com

idiot94

另外啊，花MM,要是不愿意担不必要的风险，偶得建议是最好就选个好点的定期存款或者money market account. 如果非要投资的话，作为长期的可以投能源（这个短期收益未必好），和中国二类大城市的房地产（但是钱未必容易拿出来，而且操作最复杂）。其他的都没准，要盯着才行。 www.ddhw.com

花心石

husonghu，什么是mutual fund？ idiot94，什么是money market account？是外汇方面的吗？做外汇不是很高风险吗？ 我是完全外行   关于选fund，这个其实是US equity fund 同意idiot94，我选的是能源fund，只是看不懂这支fund的performance indicator，好奇而已。现在知道了   www.ddhw.com   www.ddhw.org---

idiot94

花心石MM: husonghu，什么是mutual fund? I think the picture you are showing us is a performance chart of a mutual fund. A mutual fund is simply an investment vehicle that is available to general public with relatively strong regulations to prevent excessive risks. You can get a lot more info on it by google or wekki on it. www.ddhw.com idiot94，什么是money market account？是外汇方面的吗？做外汇不是很高风险吗？我是完全外行 No. It has nothing to do with foreign exchange. :) For example, your certified deposit (CD) is one type of it. To learn more about it, please see:https://www.investopedia.com/university/moneymarket/moneymarket1.asp     关于选fund，这个其实是US equity fund 同意idiot94，我选的是能源fund，只是看不懂这支fund的performance indicator，好奇而已。现在知道了www.ddhw.com MM: I do not quite understand what you are saying here. :) Are you saying this is a (mutual) fund holding US equities on energy sector? But I do not understand that index then, from 1999 to 2006, energy sector has been very smoothly rising (if the fund focus on energy sector, it won't compare itself to other indices.). If you can give me the name of the fund and the fund manager, I may be able to figure out a bit more for you :) Anyway, if it is an energy fund, then its performance is weird. :P www.ddhw.com

husonghu

什么是mutual fund？通俗而又简单地讲, 一个mutual fund(中文好象叫互助基金)就是几十个甚至几百个securities(有价证券)的集合----包括股票,债券,等等, 由投资公司专人经管, 顾客象买股票一样买mutual fund的份数. 所以一个mutual fund的performance就是其所包含的所有securities的performance的平均. 故一般来说,mutual fund的performance与整个股市的相关度较大, 不象个股那样难以预测,风险也小得多. 美国许多人(包括许多即便不玩个股的人)的退休基金是投在mutual fund上. 按风险大小, mutual fund可分成aggressive growth, growth, growth-income, money market, 等等各类. 比如,aggressive growth多包括高风险高潜在回报的股票, money market是最保险但回报最低的一种,与银行的定期存差不多.  我的讲法挂一漏万, 详请自查网. 这里有一页: https://www.google.com/search?hl=en&defl=en&q=define:Mutual+Funds&sa=X&oi=glossary_definition&ct=title  www.ddhw.com 另, mutual funds在股市的交易与个股类似, 但交易价格要到当日交易结束后才能知(因要取许多个股的平均嘛),不象你交易个股时当场就能知. 所以, 你要买mutual funds时,最好选一个股市大跌日; 卖mutual funds时,最好选一个股市大升日,总不会错.   最后, 在美国股市, mutual funds和个股从symbol可区别:所有的mutual funds的symbol都以x结尾, 请看:www.ddhw.com https://www.schwab.com/public/schwab/research_strategies/mutual_funds/onesource_select_list/overview.html?cmsid=P-1016970&lvl1=research_strategies&lvl2=mutual_funds&refid=P-1583091&refpid=P-1319928&selectlistOption=SM www.ddhw.com

花心石

>> MM: I do not quite understand what you are saying here. :) Are you saying this is a (mutual) fund holding US equities on energy sector?   I mean: This is a mutual fund holding US equites. I asked it because I'm curious on its performance chart, not becuase that I'm going to buy it.   What I bought is another mutual fund which is invest on global energy.   idiot94, you are soooooooo familiar on the financial market !!!!   www.ddhw.com   www.ddhw.org---

花心石

  hu兄的解释真是深入浅出，言简意赅 谢了。我会仔细去读二位给出的连接

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