What are the benefits of funds for ordinary investors? The fund has three advantages: low threshold, peace of mind and safety.
First of all, the threshold for investment funds is very low, and you can buy them at 100 yuan, which is simple to operate. You can always buy it on your mobile phone, and everyone can participate. Funds don't need that much expertise. They don't have to read financial statements, K-charts and learn various technical analysis like stocks.
Secondly, the fund is very worry-free, all fund operations are transparent, and all positions of conventional varieties are publicized. You don't have to stare at the stock market every day, just take a little time to pay attention to it, which is worry-free and labor-saving, and it is not difficult to learn.
Finally, security. The security of funds purchased through formal channels is guaranteed. It won't break out suddenly like P2P, and it won't go away in the end. It won't be like stock trading. Maybe the company you bought suddenly went bankrupt or something, and you can still invest with confidence.
Through the classification of funds, we can find that funds can meet all your financial needs!
General funds can be divided into three categories: money funds, bond funds and stock funds.
1. Speaking of money funds, in fact, many people know it. It can be said that many people have been exposed to it, but you may not know it yourself. The popularity and familiarity of the money fund was in 20 13-20 14, that is, Yu' ebao, which detonated the money fund. I used to go to the bank to do business, which was very troublesome and few people bought it. You can buy it on your mobile phone now and take it out whenever you want. Good income, flexibility, convenience and rapid popularization. Although the income is not as high as it was then, it can be used to replace the bank demand. Now many people are still using money funds, and I believe you are also involved in the transaction.
In recent ten years, the average rate of return of the money fund is about 2.5%, and the money fund is basically risk-free, that is, it will not fall, so the money fund is the lowest risk. Another feature of money fund is its strong liquidity, which is very suitable to replace bank demand deposits and short-term investments.
Second, bond funds.
Bond funds are mainly funds that invest in bonds, and bonds are relatively stable investment tools. Here we mainly talk about pure debt funds. The income of bond funds is higher than that of money funds, but the corresponding risks will be higher than that of money funds.
Bond funds are divided into short-term debt funds and long-term debt funds. The average income of short-term debt funds is 3%-4%, with low risk and risk fluctuation 1%. The average income of long-term debt funds is 4%-6%, and the risk fluctuates around 5%. This income can basically exceed the bank's wealth management products, and the increase of income also means the increase of risk, so we can't just look at the income and ignore the risk.
Investment bond funds are suitable for medium and long-term investment, and it is more suitable for about six months to two years. If you only buy it for a few months, you may not see the benefits or even lose money. However, if you invest for more than six months, you will see the benefits. If you invest for more than two years, you are basically profitable. Therefore, it is recommended to invest in bond funds for at least six months and hold them for two years, so bond funds are most suitable to replace bank time deposits and wealth management products.
Three. Stock fund
Equity funds are divided into hybrid funds and equity funds. The average rate of return of all equity funds in China is about 14%, and the risk fluctuation of similar equity funds is 15% or more, so the risk is directly proportional to the income. You may have to take the risks you want. You may earn 65,438+05% or lose 65,438+05% every year. Investing in stock funds requires long-term investment. The data shows that the longer the investment time, the greater the probability of positive returns. Stick to it for five years, the profit probability is 70%, and stick to it for eight years, the profit probability is 100%. Therefore, investing in stock funds is suitable for long-term investment and also for funds that have not been used for more than three years and five years.
The most difficult of the above is equity funds, which are divided into active funds and passive funds. The active fund mainly depends on the ability of the fund manager. The fund manager completely controls the proportion of setting positions and holding stocks, and completely depends on the professional ability of the fund manager. The other is passive fund, that is, index fund, which tracks the index of the overall development of a market, an industry and a sector and does not depend on the fund manager. Among them, index funds are most suitable for ordinary investors, and one of the most suitable investment methods for working class is fixed investment.