1. Fund: Annual rate of return: -50% to 100% is possible, depending on the type of fund, mainly affected by the market and fund managers
Main varieties:
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Monetary funds, most people have heard of Yu’e Bao, a product available in almost every fund company, and the rate of return is probably slightly higher than that of a one-year fixed term. In fact, the annualized rate of return of each company is also different. Not too much. There is no need to waste time on the 7-day return rate. The liquidity is already very good driven by Yu’e Bao. The main cash management tool is Yu’e Bao with the best functionality. It is recommended to add it. Use a currency fund from another fund company to hedge it.
Bond funds are a tasteless variety in my opinion, because most bond funds have increased leverage, which increases volatility, but the fluctuations reflected in the net value are very uncomfortable. If the volatility is still It is better to buy stocks. If you want to be stable, it is better to buy some high-rated corporate bonds.
Stock funds, the main varieties on the market, are of various types, mainly divided into active and passive funds. The difference between active funds is very big. It depends on the fund manager and has different rates of return in the same year. It can vary greatly. Changsheng generals are very rare. Personally, I feel that to be in the top ten of the year, they must be very outstanding and very extreme in style. They just adapt to the market style of that year, so the yield is leading, but the market style changes. It's hard to predict the speed, and it's hard to change your personal style. This year's Mancang Takong is the script. It's just like it's hard to ask a right-handed person to suddenly write with his left hand and write equally beautifully. My personal suggestion is to choose a writer who can write all year round. It is stable in the top 1/3 and has a small performance retracement. This general style is relatively stable and suitable for long-term holding. In the long run, there are big ups and downs and steady progress. Personally, I still like to move forward steadily, hold it firmly and sleep comfortably. Passive funds are generally various index funds that track various major indexes. The one you hear most is probably the CSI 300. In the long run, this is the average return of the market, and it is also the battle of wits among fund managers of various active funds. If you are brave, if you believe that the Chinese stock market is optimistic in the long term, it is a good choice to invest in the CSI 300 and cash out the profits in a timely manner. Of course, there are many categories. Again, read more and understand the varieties you want to invest.
2. Stocks
Annual rate of return: -100% to 1000% is possible, depending on shareholding concentration and investment ability, there are too many factors that affect it. ..
Generally, I don’t recommend others to play with stocks, because there is PetroChina left to great-grandchildren, there are reductions to release liquidity, there is the chairman who bought his own Rolls-Royce, There is also a night to return to Zhangzi Island before liberation. There is so much fun here that ordinary people can't bear it. Moreover, this market also has its own unique effectiveness. Novices have to pay tuition to enter. Here are some experiences after three years: 1) Don’t concentrate on holding shares, even if you think it is better than Apple + Google... There is no absolute in investment. Even if the judgment is correct, there will be black swans, and the time to cash out the profits is also uncertain. I will die the most. The worst thing is to do it in the dark night before dawn, because it will be too concentrated and there will be a lack of money; 2) Don't increase leverage. The leverage of stocks is that if the market goes down, you can just close the position and you won't get back a penny. Consumer leverage, For example, as long as you can repay the mortgage loan, the house is still yours. Don't borrow money, use your spare money. That way you have a better mentality, and it won't affect your daily life if you are on the street. I have seen a lot of news like this recently. Yes, increasing leverage is like thinking about heaven or hell, and you may wake up with nothing; 3) Think independently, know the reason, why you bought it, under what circumstances you should leave, what is the expected return, not because of what your colleagues say Insider information, there will be no pie in the sky. Find your own style and you will be famous all over the world. There is endless money to be made, so don’t think about wanting it all.
First give in. Concentrating stock holdings and increasing leverage to increase returns will greatly amplify returns, but they will also greatly amplify losses. I have played it in all the exciting ways, the kind of heart-pounding The feeling is unbearable, stability is the way to go.
3. Bonds
Annual yield: -100% ~ 10%
There are many types of government bonds and corporate bonds. I won’t go into details without having an in-depth understanding of them. I guess There will be more and more debt defaults on corporate bonds in the future. It is okay in the short term. One thing to remind you is that the interest tax is 20%. When looking at the income, it is valuable to look at the after-tax income. Let me talk about my favorite type of convertible bonds. Domestic The terms of the convertible bonds are still very generous, such as sell-back, stock price jump, etc., which are very beneficial to investors. However, the coupon interest is generally not high, and the prices and terms of each issuing company vary greatly, so you need to understand it in detail. , the price trend of convertible bonds basically replicates the price trend of the underlying stock, with bonds at the bottom and stocks at the top. It can be understood as a lottery with a guaranteed bottom. The disadvantage is that it is tepid, moves slowly, and the interest rate is not high. In the lottery Only then will there be a surprise. When choosing this product, you must have reasonable expectations and seek stability and joy. The general selection criteria are to look at the after-tax annualized return for large-cap and low PB products, and for small-cap and high PB products, look at the absolute price below 110. When it comes to returns, After considering the purchase price, I recommend a website: Jisilu Jisilu - Low-risk Investment, which has good bond information.
4. P2P
Annual rate of return: -100% ~ 20%
This is a typical investment method where risks and returns do not match. In the name of Internet finance, it is euphemistically called innovation. The so-called decentralization is either a capital pool. In fact, if you think about it carefully, financial operations are actually credit. In this model of information asymmetry, lending is extremely important. It is high risk. Secondly, the income is based on the borrower's earning power. No business can withstand the destruction of high interest rates. In essence, I am not optimistic about the so-called P2P. To say the least, even if it is The model is scientific, but there will definitely be the possibility of bad debts. Think of yourself as a bank. The principal must be divided into more than 20 parts and lent out dispersedly to alleviate the impact of bad debts. Without diversification, all bad debts will be in vain. Now banks A slight increase in the bad debt rate is an insult. This kind of risk control is not something you can do if you want to. To put it another step back, if the bank fails, the country will still cover up the bottom line. If you fail, you will really fail. Not to mention the bankruptcy risk of P2P platforms. This is the business of taking care of the emperor's heart, making money from selling cabbage, and doing something out of the fire...
5. Others
Annual rate of return:...
When you open a webpage, you often see various types of foreign exchange, gold, Hang Seng Index futures, art share trading, etc., or recommended by legendary masters. In fact, they are all electronic trading, and this type is Don’t touch the real big pitfalls, even those disclosed by CCTV. Think about the Cultural Property Exchange in Tianjin. At the beginning, it really claimed to drive an Alto in and drive out in an Audi. However, others later changed it. There are trading rules, and the 1% fluctuation in a day is still somewhat forgotten. There are also all kinds of weird regulations. The result is endless falling limits. Later, the Audi was never driven out, so anything that has no origin but is very profitable , just don’t worry about it.