知行编程网知行编程网  2022-06-08 06:00 知行编程网 隐藏边栏 |   抢沙发  11 
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基金定投这个名词大家都不陌生,喜欢理财的朋友可能都尝试过,今天我想给大家分享是,用python模拟基金定投和普通投的过程,并进行简单比较,探索基金定投的奥秘。

1.分析单支基金定投收益情况

基金数据已经给大家准备好了,首先用pandas读取:

Python分析10万条基金数据,探索基金定投的奥秘

总共92390条

以‘161724’基金为例,起投100,从2020年1月2日到2020年12月18日,工作日每日定投100,计算收益并可视化展示。

首先选出该基金在上述时间段内的数据,代码如下:

Python分析10万条基金数据,探索基金定投的奥秘

就算定投和普通投收益并可视化展示(计算方式参考注释):

可视化展示:

通过上图可以看出,本年23400固定的情况下,2020年一年的时间,定投比普投多收入1千元,差别不是很大。

2.设置随机时间段

有的朋友会说,仅靠一个时间段,局限性和偶然性太大,下面我们随机设置30个时间段,并用折线图来比较最终结果:

首先,我们将30个时间段的收益结果存入列表中,代码如下:

对结果进行可视化:

根据上图,30个时间段内,普投的最终平均值为10990元,定投为8935.5,普投的总体情况较好。

3.设置随机基金

为做进一步探索,继续扩大数据范围,随机选择20支基金,计算在30个随机时间段内的平均收益情况:

首先各时间段内的总收益,存入字典中:

将结果可视化:

从上图可以看出,普投的收益情况要高于定投。

说明:本文模型比较简单,仅作为学习pyhton数据分析的素材,不作为投资依据,感兴趣的朋友可以继续深入探索。另外,若对本文有疑问,请在留言区评论。

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Python分析10万条基金数据,探索基金定投的奥秘


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