近日,某网站一份调查显示,2010年30.4%的基民亏损,43.5%的基民盈利在10%以下。如果剔除债券型基金,那么基民的盈利情况更不乐观。经过笔者调查和分析,认为有三大原因,让基民错失好基金。原因一:选错品种通常投资者购买基金,必然要选择品种。这个环节,决定了投资者年底是笑还是哭。品种选择的意义,体现在不同基金巨大的收益差距上。以2010年为例,业绩最佳的股票型基金华商盛世基金取得了37.77%的收益率,而业绩最差的宝盈泛沿海增长基金收益率为-24.04%,两者差距超过61个百分点,可谓是天壤之别。类似情况,也出现在激进配置型基金和标准混合型基金上。前者收益率最大差异为43.78个百分点,后者为33.47个百 Recently, a website survey shows that in 2010 30.4% of the base loss, 43.5% of base-person profits below 10%. If excluding bond funds, then the base of the profitability of the more optimistic. After the author’s investigation and analysis, I think there are three major reasons, so that Ji-ming missed a good fund. One reason: the wrong type of investor usually buy funds, inevitably have to choose varieties. This link determines the end of the year investors are laughing or crying. The significance of variety selection, reflected in the huge income gap between different funds. Taking 2010 as an example, the best-performing equity fund Chinese Business Spirit Fund has achieved a 37.77% yield. The worst-performing Po On Pan-Coastal Growth Fund has a yield of -24.04%, a gap of more than 61% Can be described as a world of difference. A similar situation, also appeared in aggressive allocation of funds and standard hybrid funds. The former maximum yield difference of 43.78 percentage points, which is 33.47 hundred