There are many types of funds, such as money funds, bond funds, hybrid funds, stock funds, index funds, QDII funds and so on. Generally speaking, hybrid funds, stock funds, index funds and QDII funds are all risky. Each fund type is different, and the risks and benefits are different.
Suppose: an investor invests in 300 yuan every month, and the annual return rate of the fund is 10%. How much money will he make in three years? Then the total return on investment in the first year is 3600 * (1+ 10%) 3. The second year is similar. After deducting fees and taxes, the total is about 13000.
Of course, this is only a hypothetical expected income, which does not represent the actual income, because the fund does not guarantee the principal and interest, and it is basically impossible to accurately judge whether the fund is up or down.
So be careful when buying funds. After the fund invests in 300 yuan for three years every month, it may not necessarily make money, but it may also lose money, mainly depending on the ups and downs of the purchased funds. However, when buying a fund, you can always pay attention. If there is a loss, you can also choose a timely stop loss method to reduce the loss.