First of all, it must be clear that for ordinary workers, this money is hard money, and it is really not easy to earn some money by physical strength. For such people, what they really pursue is investment stability, not blind pursuit of high returns. Blind pursuit of high-yield investment will cause huge losses.
As long as I understand this truth, I will analyze it in depth. Is it better for ordinary migrant workers to choose stocks or buy funds? The definition of stock trading is high risk and high return, so it is certain that the return of stocks is also very high. The key is whether you have the ability to invest.
For example, after the A-share pilot registration system, the fluctuation range of the Science and Technology Innovation Board and the Growth Enterprise Market has been relaxed to 20%, which means that if you are lucky, you only need four daily limit boards to buy a 20% stock, which means that you can achieve more than double the income in four trading days. This is the attraction of the stock market.
In real life, if you want to double the income of investment funds in four short-term trading days, it is only possible except for wealth management products or people who participate in gambling. If you invest in industry, it is absolutely impossible to double your income in the short term; The annual rate of return on industrial investment of over 20% is very high, and it is impossible to double it in a few days.
As long as you are lucky or have strong stock trading ability, the return on choosing to invest in stocks is really good, and stock trading can also be leveraged. If stock trading is leveraged investment, the return will be higher. On the contrary, the risk and return of stock trading are directly proportional.
As for funds, there are many kinds. Different funds have different returns and different risks at the same time. Among them, the biggest gain is the index leveraged fund, which is completely buying the rise and fall of the index. For example, the index funds such as SSE 50 and CSI 300 fluctuated greatly, resulting in large intraday profit and loss.
Of course, if you really blindly pursue the high return of the fund and participate in the index leveraged fund, that is, multiply your investment principal; For example, your investment fund is only 654.38 million yuan. If the leverage is enlarged by 10 times, it is equivalent to 165438+ ten thousand yuan to buy a fund. As long as the fund fluctuates by 9%, it is equivalent to the tragedy of losing all your money.
On the other hand, investment funds can't afford high-risk investors, so the best choice is to buy money funds with low risks and low returns. The annualized rate of return is between 1%-4%, and the rate of return is particularly low. It is better to deposit money in the bank to earn interest, and the principal is safe and secure. The risk of bank deposits is very low, as long as the deposits within 500 thousand are zero risk.
Based on the above analysis of stocks and funds, the answer is very clear. It is suggested that ordinary migrant workers choose to invest in low-risk funds instead of stock trading. Because it is not easy for ordinary workers to make money, it is better to choose low-risk investment instead of blindly pursuing high-risk investment.
But then again, the real pursuit of high returns, stock trading and index leveraged funds will have very high returns. In fact, index leveraged funds have higher returns than stock trading, but the greater the risk they take, I hope investors should know.
Investment is risky, so be careful when entering the market!