In addition to the money fund, funds are at risk of fluctuation. Unlike fixed-income products, you don't make money if you buy them, and you don't make money if you invest for three to five months. Sometimes, it is a long, long book loss. If you insist on fixed investment, you will make a lot of money in a few years.
Sometimes you can't make a long-term investment unless you can bear the loss. Therefore, with regard to fund management, urgently needed money should be put in the safest place, such as the money fund. Money that has not been used for a period of time can be put on a large-scale relatively safe online lending platform, and an index or stock fund that has not been used for three to five years can be selected for fixed investment to obtain excess returns.
If you don't have a basic understanding of funds, then don't listen to anyone who says that funds are good and buy them. Now the quality of funds on the market is uneven.
Bian Xiao dares to buy funds, either index funds, such as SSE 50; Either it is a strategic automatic position adjustment fund, such as the 28-round strategy. ; I won't touch the actively managed fund unless I am particularly optimistic about the fund manager. Active management of funds depends largely on who manages them.
There are several things to understand before investing: first, short-term profit or long-term value preservation? Second, is there a big demand for liquidity?
The advantage of the fund is that the investment threshold is relatively low, but there are still many uncertainties in obtaining income through the fund. Judging from the investment scope of the fund, it can invest in currency, bonds, stocks, gold and so on. Except for the money fund, everything else is likely to lose money.
If you are not sure when to use this money and want to get a stable income, you can invest in fixed-income products such as money funds and some asset management. If you don't need money in the short term, you can consider the fund's fixed investment.
Judging from the future development trend, index funds and stock funds have achieved good returns. However, if you want to get considerable returns, you need to know which industries and stocks the foundation invests in. Choosing a fund that can get out of the smile curve makes sense.
Fixed investment is not blind investment, and it will also increase costs in the rising market. At the same time, we should learn to take profits and avoid taking profits.
Judging from the handling fee, the handling fee of trading funds is lower than that of redemption funds. It is more advantageous to buy funds with stock accounts, and it is easier to buy the lows of the day. Trading funds are based on shares, which need manual operation and can only be fixed.
Redemption funds are usually purchased at a fixed amount, and the system automatically deducts money. Each has its own advantages. At present, the income level of funds in the market is uneven, and the expected performance is uncertain. Considering your actual situation, you can consider fixed income products.