[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020072710310361045":3,"related-JP2020072710310361045":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":7,"vipExclusive":19,"allowComment":7,"style":25,"canCopy":19,"likeCount":19,"duration":19,"playStyle":7,"seoKeywords":26,"articleModuleVoList":27,"extendContentList":28,"noteCount":19,"categoryList":29,"dailyKeywordList":30},10,2541,"1",1,"JP2020072710310361045","1041018",3,"","买新基金是不是比老基金好？该如何选？","https:\u002F\u002Fimage.jane7.com\u002F464c9418-333b-4742-9a6a-ddaa35f24c11.png","https:\u002F\u002Fimage.jane7.com\u002F7cda1fdb-227f-4b70-bd35-f9341e8d7ee1.png","今天来和大家科普一下买新基金可能会踩的3个坑","\u003Csection>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">最近，我看到有很多朋友在抢购新基金。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">特意查了一下数据，2019年一整年新发的偏股型基金只有400来只；而今年刚刚过半，这个数据就已经超过到了1000只。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">所以，今天来和大家科普一下\u003Cstrong class=\"ql-author-1650050\" style=\"color: rgb(214, 168, 65);color: #d6a841;\">买新基金可能会踩的3个坑，供你参考：\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">首先，\u003Cspan class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">我们先缩小一下讨论范围，今天主要\u003C\u002Fspan>\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">讨论的是偏股型的主动基金\u003C\u002Fstrong>\u003Cspan class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">，包含主动型混合基金、股票基金等，今年卖爆的基金，主要就是这一类。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"color: rgb(214, 168, 65); font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">好了，先说第一个“坑”，就是购买效率可能不高。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">越是火爆的新基金，越容易超额认购。比如创纪录卖出1300亿元的新基金，最终只会确认300亿元的份额，预估只有23%左右的“成功率”——换句话说，如果你昨天买了100元这个新基金，估计只能买成功23元，剩余的钱都会退回来。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">而且，不少热门基金都有这样尴尬的问题。不知道你遇到过没有？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"color: rgb(214, 168, 65); font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">第二个“坑”，是新基金认购手续费大多不打折。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">如果你有投资基金，那建议你通过支付宝（蚂蚁财富）、理财通、天天基金等互联网基金代销渠道买基金。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">除了方便，这些渠道买已发行基金的申购费不少能打1折，相当划算。而很多新基金却没有这个折扣。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"color: rgb(214, 168, 65); font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">第三个“坑”，是新基金有建仓期，并不能满足你“马上入市”的需求。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">建仓期，说的是一个新基金，在募集成功后，需要经历一个把钱投入到目标产品中的过程。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">因为募集到的总资金量大，所以基金经理人一般不会在收到钱的当天，就全部投入市场。而是\u003C\u002Fspan>\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">分批分时间投入，这一过程基本不超过3个月，节奏由经理人自己把握。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">这里就存在一个问题，你的钱实际投入市场的时间，和你买入新基金的时间相比，会有延迟。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">比如，你7月初认购了一笔新基金共1万元，但根据基金经理的安排，可能到9月末，你的1万元才全部投入市场。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">这期间如果上涨，是无法完全参与，这也就是建仓期的不确定性。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">甚至某种程度来说，募集比较大规模的基金，投资个股的资金也会相对多一些，不可避免地会把自己的平均买入价提高，不太“灵活”。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">理解了这些坑，其实\u003C\u002Fspan>\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">大多数情况下，买已经发行的老基金会更香。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">老基金除了可以比较好地避开上面的坑，它还有透明的历史业绩，各种信息更好分析评估。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">另外，你可能会说，有些基金经理确实不错，就是想跟上他的车，该怎么办呢？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">一个思路，就是\u003C\u002Fspan>\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"color: rgb(214, 168, 65); font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">等到新基金过了建仓的封闭期，开放申购后，再直接买。\u003C\u002Fstrong>\u003Cspan class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">一般等待期大概3个月左右。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">简单来说，就是等这只基金自己成熟了，再用更低的费用去买，买的时候还能看到它更多信息，是不是更好呢？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">如果你等不及了，现在就想投资怎么办呢？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">那你可以\u003C\u002Fspan>\u003Cstrong class=\"ql-author-1650050 ql-font-microsoftyahei\" style=\"color: rgb(214, 168, 65); font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">去看看这个基金经理目前管理的其他基金。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">一般来说，一个优秀的基金经理，投资风格是比较成熟的，而且往往会深钻一两个领域。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">最后，希望今天的内容对你有价值。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;line-height: 1.7; margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73);\">\u003Cspan style=\"font-size: 16px; caret-color: red; font-family: "Microsoft YaHei", 微软雅黑, sans-serif;\">如果你还有其他理财问题，欢迎在简七APP社区留言，我们看到都会回复。\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fsection>","2020-07-27 10:31:08",100,0,"zhanglizi@jane7.com","2020-07-27 10:31:03",72,false,7391,"1038002","基金",[],[],[],[],[32,44,54,62],{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":35,"locationType":36,"sortNumber":37,"articleTitle":38,"introduction":39,"coverImage":40,"likeCount":19,"realSearch":23,"createTime":41,"seoUrl":42,"seoKeywords":43},93,"基金定投","JP2020070816502237459",2,20200708,"什么是指数基金？有哪些特点和优势","打个比方：如果说，把单个股票，看作一首首单曲的话，指数就是我们现在，经常能在音乐软件里找到的各类「歌单」。","https:\u002F\u002Fimage.jane7.com\u002Fd73aeced-bb44-4b08-9611-f1aeeff6b675.png","2020-07-08 16:50:22","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020070816502237459-93.html","财商,指数基金,基金",{"pageSize":4,"articleWikiId":45,"wikiName":46,"articleCode":47,"locationType":36,"sortNumber":48,"articleTitle":49,"introduction":49,"coverImage":50,"likeCount":19,"realSearch":23,"createTime":51,"seoUrl":52,"seoKeywords":53},94,"财商入门","JP2020071617511630435",20200716,"一天卖1300亿的爆款新基金，要买吗？","https:\u002F\u002Fimage.jane7.com\u002F4612e914-4f4b-4a0a-8671-e7a6b1d81434.png","2020-07-16 17:51:16","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020071617511630435-94.html","新基金,理财",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":55,"locationType":36,"sortNumber":56,"articleTitle":57,"introduction":58,"coverImage":59,"likeCount":19,"realSearch":23,"createTime":60,"seoUrl":61,"seoKeywords":26},"JP2020092909502246675",20200929,"简单2招，买基金更省钱","基于基金的买入和卖出规则，今天就来聊一下怎么买基金才能更省钱。","https:\u002F\u002Fimage.jane7.com\u002F0a3508fd-afa0-4a7f-a64d-62e57eab2b98.png","2020-09-29 09:50:22","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020092909502246675-93.html",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":63,"locationType":36,"sortNumber":64,"articleTitle":65,"introduction":66,"coverImage":67,"likeCount":7,"realSearch":23,"createTime":68,"seoUrl":69,"seoKeywords":70},"JP2020102611153671461",20201026,"这样买基金，就像白捡了2万块","教你三步开启基金投资","https:\u002F\u002Fimage.jane7.com\u002F667b2d18-4842-48d5-88ec-313383f36c50.png","2020-10-26 11:15:36","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020102611153671461-93.html","基金,定投"]