If you buy a fund at one time and hold it for less than 3 years, I suggest you buy a bond fund.

By comprehensively comparing the rate of return of fixed-income varieties with the overall income of online/offline subscription of new shares (including detachable bonds), and considering the liquidity factor, maintaining the pure bond funds (including appropriate participation in new share investment products) (the stock position of pure bond funds further decreased from 2.25% at the end of the first quarter to 1.50% at the end of the second quarter) has a comparative advantage over regular savings, and bond funds are suitable for low risk.

In terms of specific varieties, it is suggested to pay attention to pure bond fund products such as Huaxia Bond Fund, Bosera Stable Value Bond Fund and Bank of Communications Schroeder Profit-increasing Bond Fund. , relatively focusing on the allocation of credit bonds, appropriate participation in new share investment, and pure bond fund products such as Putian Income Bond Fund and Dacheng Bond Fund, which focus on liquidity control and operate steadily.

Focus on recommending the position structure of bond funds at the end of the second quarter (the proportion in the table is the proportion of net assets)

Fund name, stocks and bonds

Total bonds national bonds financial bonds central bank bills corporate bonds convertible bonds

Bank of Communications Schroeder increased profit by 0.03%105.64% 0.00% 0.98% 94.75% 9.91%0.00%.

Boss stability value is 0.01%81.33% 8.98% 35.67% 22.19%14.44% 0.04%.

Penghua Putian Bond1.53% 90.66% 3.75% 78.55% 8.13% 0.23%

Huaxia Bond 0.27% 91.40%12.49% 23.01%36.07%17.04% 2.80%

Dacheng Bond 0.00% 87.38% 2.54% 37.89% 42.19% 4.75% 0.00%

If you intend to hold it for a long time, it is recommended to use the fixed investment method.

The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.

Index fund is the first choice for long-term investment, because it is less interfered by human factors and only passively tracks the index. In the case of long-term economic growth in China, long-term fixed investment is bound to get better returns. Active funds are greatly influenced by fund managers. At present, the performance of active funds in China is not ideal in terms of sustainability. Often the champion of the previous year is poor in the second year, and changing fund managers may also cause performance fluctuations. Therefore, if you hold it for a long time, it is better to choose an index fund. If there is a rebound, index funds should be the first choice.

Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. According to American market statistics, since 1978, the average performance of index funds has exceeded 70% of active funds.

I recommend a bumper harvest of 300.

Jiashi 300: Based on the principle of fitting and tracking the Shanghai and Shenzhen 300 Index, the Fund conducts passive indexation investment, strives to obtain the average rate of return of the China stock market represented by the index, and provides investors with an effective investment tool for investing in the Shanghai and Shenzhen 300 Index. The Fund believes that China's economy will maintain sustained, stable and rapid development, laying a solid macroeconomic foundation for the long-term development of China's securities market. The Shanghai and Shenzhen 300 Index can fully represent the China stock market. The fund invests in the stocks of the Shanghai and Shenzhen 300 Index through indexation investment, which provides an effective investment tool for investors to share the fruits of China's economic growth.

Among the index funds, Harvest CSI 300 Fund invests in financial instruments with good liquidity, and the fund makes passive index investment, thus effectively tracking the CSI 300 Index and seeking to share the fruits of China's economic development through the securities market. It can be said that the fund invests in the Shanghai and Shenzhen 300 index stocks through indexation investment, which is equivalent to putting the China stock market in one basket, and provides an effective investment tool for investors to share the fruits of China's economic growth.

In addition, in the face of the current stock market, I personally give you some suggestions:

1, in terms of fund portfolio, you can choose some balanced funds, accounting for about 20% of positions, and allocate some hybrid funds in light warehouses to diversify investment risks. When I answered other people's questions before, I said that any fund can be held for more than three years. However, it is better to pay attention to the products of some big companies, such as Nanfang, Bosera, Huaxia and Jiashi. These companies are strong, large-scale, long-term and relatively more secure.

In this regard, my recommendation is: Huaxia returns.

Huaxia Return is an allocation fund with large-cap stocks as its main investment. The style of the Fund is very stable, especially since the current round of market adjustment, Huaxia Return has been relatively cautious in controlling positions and has greatly reduced its positions, effectively reducing market risks; From the perspective of industry allocation, the Fund focuses on the allocation of mainstream industries, such as finance and metals. However, it still shows strong flexibility in quarterly industry adjustment and configuration adjustment. Judging from the characteristics of shareholding, Huaxia's return shareholding is relatively stable, and the turnover rate is relatively lower than the same type. However, when the market trend changes, the adjustment of the fund remains firm, which is conducive to the fund's grasp of investment opportunities.

Affected by the sharp decline in the basic market, Huaxia's foresight and cautious operation method of income are worth learning from many funds. Since the third quarter of 2007, the fund has been cautiously reducing its positions by as much as 20%. At the same time, the allocation of bonds and cash assets has kept the fund's performance relatively stable for a long time. This also makes the fund highly sought after, and the scale of the fund has also expanded rapidly. At this point, Huaxia's return is consistent with Huaxia Fund's large-scale cautious operation, which is also the reason why Huaxia Fund has a relatively small decline in this round of adjustment.

Judging from the market performance in the past two weeks, Huaxia's return has remained basically stable. Therefore, on the whole, China's return has high investment value.

2. I still think that we should seriously study their respective products, find out what suits us, rationally lay out when it is not crazy, and pay more attention to the fund's portfolio, whether it includes large companies. Now the semi-annual report has come out to see if their portfolio has changed little compared with before, and whether it is consistent with their company's investment philosophy.

3. Be sure to use spare money to buy equity funds. As I said before, if it really doesn't work, then invest in money funds or bond funds with less risk. You should use your head to think about your investment strategy instead of blindly following the trend. The worst death in the stock market is chasing up and killing down.

The bond fund itself recommends: Changsheng Bond.

Changsheng CITIC Total Bond Fund is a bond enhanced index fund, which tracks CITIC Total Bond Index. But in fact, the investment characteristics are similar to those of partial debt mixed funds, and its stock investment ratio does not exceed 15%. The fund's shareholding style changes with the market situation. In 2006 and 2007, he held large-cap stocks and accumulated certain income. Holding large-cap stocks in 2008, timely avoiding the risks brought by the adjustment of large-cap stocks. As the only bond fund that tracks the total debt index, we are optimistic about the late performance of Changsheng Bond.