Index funds: Rongtong Shenzhen Stock Exchange 100, Dacheng CSI 300.
Equity funds: SDIC innovation and Bo Shi franchise.
Hybrid funds: Guo Futian Rui and Bank of Communications performed steadily.
Bond funds: SDIC Ronghua and Guo Fu Tian Li.
All the above funds are back-end funds, and the minimum amount is 100 yuan. While studying, you can invest at least 100 yuan every day, which is suitable for cultivating your investment interest. For example, you can follow the trend of the stock market every day. If it falls that day, you can invest in these fund varieties at a minimum of 100 yuan. Your thousands of dollars are enough. Don't worry about making money now. It is better to familiarize yourself with the market environment and your risk tolerance first, that is, are you afraid when the market plummets? Sometimes you will ignore the risk when the market rises.
Please see the following for questions about why the back-end fee fund is needed and how to allocate it:
Thomas gage: Recommended Fund Anshun and Fund Xinghua.
Reason: Morningstar website ranks in the forefront; The income and risk indicators are also good; The manager is responsible for stability, especially Anshun. Shang Zhimin, the manager, has been here from the beginning, and another Hua 'an Manulife he is in charge of is also excellent and worth having. The companies where the two funds are located, Huaan and Huaxia, have strong investment scale and research strength, and are among the top ten in the industry; The two foundations expire in 20 14 years, and now they start a small cycle of 5 years, both of which have a certain discount rate, making more money than losing money.
Fixed investment: It is enough to recommend five, namely Dacheng CSI 300, Rongtong SZSE 100, Huaan Manulife and SDIC UBS Innovation Power. If you must choose five smart people, then choose one from Golden Eagle SMEs and Xingye Social Responsibility.
Reason:
1, the choice of fixed investment is definitely for long-term investment, so the fund with back-end fees is definitely the first choice, and the first four are all.
2. Why do you want to achieve the Shanghai and Shenzhen 300 and Rongtong Shenzhen Stock Exchange 100? In the long-term fixed investment fund, index fund is essential, because the active fund is replaced by N managers in a short time, and the management ability of each manager is very different, which makes the performance of the fund not guaranteed. And in the long run, most active funds can't outrun passive index funds. At present, China's economy is in the primary stage of being poached by big countries. Rongtong Shenzhen Stock Exchange 100 is more flexible than Shanghai and Shenzhen Stock Exchange 300, and the two companies can vote in turn. The proportion of the total fixed investment of the two companies should not be less than 50% of the total fixed investment, which is a guarantee for the future, and the other 50% should be put in active funds to obtain possible excess returns.
3. Huaan Manulife and SDIC innovation are also good varieties for fixed investment. Manulife back-end fees are free for 5 years, and SDIC innovation is free for 3 years, which is shorter than other terms. The market generally believes that 3-5 years is an investment cycle, which is suitable for making certain adjustments to assets after reaching the free period, such as redemption. In addition, the two funds themselves performed well.
3. If you still want short-term speculative arbitrage, add Golden Eagle's small and medium-sized stocks and Societe Generale, with good performance, or buy ETF and LOF directly. Anyway, I insist on the long-term fixed investment fund with back-end fees. There are too many long-term uncertainties in the actively managed fund. It is better to save more money to convert shares, and I don't agree to put all the funds on the active fund, unless you have found that a current fund manager is the future Buffett, so as to ensure that he will not give up halfway before you and will not be a flash in the pan.
4, Morningstar website to see the ranking.
In the world, it is my understanding of fund investment. I wish you a rich source of investment and financial management.
Answer your supplementary question: There are many channels to buy funds, such as consignment banks, securities company accounts and fund company websites. For the majority of fund investors, the direct sales of consignment banks and fund websites are the main battlefields. There are many discounts on subscription rates of general fund websites, but they are mainly front-end charges. If you choose the back-end charge, it is the same to buy it on the website of a bank or fund company. As far as convenience is concerned, it is more convenient to buy it in the bank. It is suggested to open online banking and operate it on the computer, which is quite convenient and fast. There are many products of fund companies sold by banks, but the direct sales of fund companies' websites are only aimed at the company's own funds, and the direct sales bank cards supported are limited. Sometimes the bank card you use just doesn't support it. Judging from your capital, you are a small retail investor, so it is better to choose a bank with a lower starting point for fixed investment. For example, the starting point of some banks' fixed investment is 100 yuan. After you set a monthly fixed investment plan according to your risk and income preference, you can also use your usual savings and use the daily stock market trend to recover your purchase. For example, before closing at 3 pm on the trading day, I saw that the market was falling that day, and the lowest price could be 65,438 yuan. This method is the most convenient in online banking, and it can be done in a few seconds. If you make a fixed investment on the fund company's website, it is not suitable to make a fixed investment according to the current market, because most of the direct sales on the fund website can't be deducted on the same day, at least one day later than the fixed investment deduction day, and I feel very uncomfortable. Of course, there are also fund companies that can deduct money on the day of direct sales, such as Huaan and China Merchants. That's incoherent. I hope you can understand.