Among convertible bond funds, the top five funds in recent five years are: Xingquan convertible bond mixed with Penghua convertible bond A Huitianfu convertible bond A Changxin convertible bond A BOC convertible bond enhanced bond A, with the mixed annualized return of 8.8 1% and the maximum withdrawal of-13.02%.
Among the active bond funds, the top three funds in the past five years are: Nuoan Li Shuang Bond initiated Nuoan Optimized Income Bond, and West Lide Steady Li Shuang Bond A ranked first, with annualized income of 1 1.99% and maximum withdrawal of -7.69%.
Among ordinary bond funds, the top three funds in recent five years are: China Everbright Prudential Credit Premium Bond A, which ranks first from the bond prudential enhanced income bond (LOF), with an annualized income of 8.79% and a maximum withdrawal of -9.89%.
Among the pure debt funds, the top three funds in recent five years are: China Europe Li Xing Bond Bosera Yutai Pure Debt Bond Yuanxin Yongfeng Rongxing Bond. The annualized yield of CEIBS Li Xing bonds is 4.83%, and the maximum withdrawal is-1.47%. From the data of long-term average annualized yield of bonds, we can also see that convertible bond funds have the highest risk coefficient, and their yield does not completely match the maximum withdrawal data, so they bear greater risks under the condition of obtaining the same income level.
Steps and methods of purchasing funds
First, to open an account, you must use your bank card and ID card to open a securities card in the bank. There are also banks called fund cards and wealth management cards, which are actually your own fund accounts in the bank. Some banks don't need to apply for another securities card, such as the debit card with financial management function issued by Agricultural Bank of China, the first five digits of which are 62284, that is, the fund account can be opened directly in the bank card as a sub-account, and the fund account can be opened directly at the counter.
2. Subscription/subscription of funds refers to the purchase of funds in the issuance period, and the subscribed funds cannot be sold during the issuance period; Fund subscription refers to the purchase of funds whose issuance period has ended, and the subscribed funds can be sold at any time; After opening a fund account, investors can freely choose to subscribe or purchase the fund. Generally, the operation process at the bank counter is to fill in the subscription/subscription business form first, and the fund share can only be inquired 2-3 working days after the bank accepts it. The net value of the subscribed fund shall be subject to the net value after the closing of the day. The subscription fee is generally about 1.5%, the subscription fee is generally about 2%, and the minimum subscription/subscription amount is generally 1, 000-5,000 yuan. At present, many customers have purchased and redeemed funds through online banking. The general fund business is handled online, and the handling fee will be preferential, but we must pay attention to network security.
3. Regular fixed investment funds regularly invest in a fund financing business similar to the bank's zero deposit and lump-sum savings business. It invests in an open-end fund regularly every month, and the bank deducts money from the customer's account on schedule every month according to the investment amount and investment period applied by the customer. The minimum amount of regular fixed investment is generally 100-500 yuan per month. The biggest advantages of regular investment are: buy in batches, invest regularly, and every little makes a mickle; It can also average the investment cost and avoid the opportunity risk. Let's give an example. Suppose we invest in 500 yuan every month, and the annual income is 12%. If we invest for 20 years, it will be ≈ 480,000, 25 years ≈ 890,000 and 26 years ≈10/10,000.