This is a real estate theme fund. Compared with the funds that started to make great progress last year, the return rate of the real estate fund is very low, and its average return rate is about 9.21%, while the return rate of the Shanghai and Shenzhen 3 Index is about 27%. Last year, the explosive funds mainly concentrated on new energy and consumption, and the returns of these two blocks were as high as 94% and 68%, which can be said to be real estate.

Reasons for the downturn of real estate funds

Industry insiders analyzed that although the overall sales situation of real estate is very good, its financial situation is actually not ideal. From the financial statements of leading enterprises, we can see that the financial leverage of enterprises is very high. Another reason is that the government regulatory authorities have tightened the financing policy, which leads to the market is not optimistic about the future profits of real estate in the case of high leverage ratio.

Even so, it doesn't mean that all real estate funds are not worth investing. It can be seen that the housing financing cost of some large enterprises is relatively low, about 3%~5%. The financing cost of some small and medium-sized enterprises is higher, up to about 1%.

Therefore, it is worthy of attention to invest heavily in the real estate funds of high-quality leading enterprises. When the valuation is relatively low, you can enter the market at any time.

The Year of the Ox of the Fund

Last year should be regarded as the Year of the Ox of the Fund. The Shanghai Composite Index has been rising all the time. Some investors found that the stocks they invested did not make any money, but the fund's rate of return was much higher than their stock rate of return. Last year, the rate of return of equity funds reached 5%, which made the number of citizens this year extremely high, especially the young citizens who entered the market by running. According to the survey, the number of citizens under the age of 2 reached nearly 2%.

at the beginning of the new year, several explosive funds have appeared, and the subscription amount exceeds 1 billion, all of which were sold out on the same day, such as E Fund's competitive advantage, rich country value creation, Bosera Huixing's return for one year and so on. These funds have a good history of return on investment, so they are particularly welcomed by new and old citizens.

Although the rate of return of funds in the past two years is really high, it does not mean that there is no risk. Young citizens still need to know more about risk control knowledge and choose their own suitable funds. There are still many types of funds, and different types of risks are different. For example, money funds and bond funds have relatively few risks, but their yields are also low, so they can be appropriately allocated; Then allocate some stock funds with high risk and high return on investment, and it is best to choose the money that will not be used for investment in three to five years, so that when the fund withdraws, it will not be cut off because of stop loss.