Knowledge List
确定投资目标

为什么投资?投资要达到什么目标?需要多少资金?回答这些问题是投资过程的第一步,也是最艰难的一环。首先,个人的投资目标和风险承受能力可能不一致。例如,你需要借助激进的投资方式比如买进小盘成长型基金获取高收益以实现投资目标,却无法承受在一个季度内亏损20%的风险。这时,你必须接受这个风险水平或调整投资目标。其次,时间因素也有重要影响。如果投资目标是30年后退休养老,你就可承受较大的收益波动,因为可分散风险的期间较长,即使投资出现亏损,还有时间可以等待基金净值的回升。如果离投资目标为期不远,那么应注重保有已获得的收益,而不要为了赚取更多收益去冒险;应该多投资于债券基金、货币市场基金,少投资于股票基金。

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