I. Monetary Fund

The most famous money fund is Yu 'ebao. Of course, there are other excellent money funds, but in terms of scale and fame, Yu 'ebao is the representative of the money fund.

According to the 7-day annualized rate of return of Yu 'ebao of 3.8%, the annual income of buying 654.38 million yuan is: 654.38+000000 * 3.8% = 3800 yuan. Because Yu 'ebao is a compound interest product, the Xi Cai Jun here is the estimated result, that is, 654.38+ 10,000 yuan to buy a money fund can earn about 3,800 yuan a year.

Second, securities funds.

The investment direction of securities funds is mainly stocks, so it is a high-risk investment method. Because the stock price fluctuates in real time, the income of securities funds will also be affected by banks. If the stocks invested by securities funds are on the rise, they can get the expected annualized income, but if the stock price falls, securities funds will also be affected or even lose money.

Therefore, the expected return of securities funds is similar to that of the stock market. Assuming that the expected return of the stock market is 15%, then the annual return of purchasing 654.38+million yuan is:100000 * 15% =150000 yuan, that is,100000 yuan can be obtained in one year by purchasing securities funds.

Three. bond funds

Bond funds are well understood, and the main investment direction is bonds, which belong to medium and low risk products in terms of risk classification. If a bond fund does not encounter a credit crisis, it can generally obtain an expected return of about 8%. If you buy 65438+ ten thousand yuan, the annual income is: 100000*8%=8000 yuan, that is to say, if you buy 65438+ ten thousand yuan, you can earn about 8000 yuan a year.

We can see that high risk means high income, and the above three funds are listed as securities funds according to income and risk. Bond fund > money fund. For conservative investors, Xi Cai Jun suggested choosing money funds or bond funds, while active and radical investors can buy securities funds if they can bear high risks or even long-term price losses.

Precautions:

1. Before buying a fund, look at the recent income chart of the fund. It is best to choose a fund with a rebound trend, and to understand the trend in the past three months and the trend in the past year.

2. Since you want to make money by buying and selling funds, you should take time to read more articles about making money through funds, learn more and summarize more, and understand the essence of funds.

3. When buying a fund, choose more funds. Don't put all your money in one fund. Diversification of investment funds can reduce unnecessary losses.

4. When diversifying investment, we should carefully observe the trend of funds and choose potential funds, so that we can be more sure of making money.