How much can you earn a month by buying a fund of 10 thousand?
According to the different investment targets, funds are generally divided into money funds, bond funds, index funds, stock funds, mixed funds and other categories. The expected return of fund investment is directly related to the investment target, so under the same investment principal and term, the expected return of different types of funds is quite different. I use money funds, bond funds and equity funds to illustrate:
1, Monetary Fund
Monetary funds generally invest in fixed-income products such as treasury bonds, local government bonds and bank deposits within one year, and the fund subscription and redemption are free of handling fees. Therefore, the money fund is very prominent in terms of security and liquidity, and the expected return will naturally not be very high.
According to the money fund products sold by an Internet financial platform, the expected return of 1 10,000 money funds is mostly between 0.6 and 0.8, that is to say, the expected return of 1 10,000 money funds is about 0.6 yuan -0.8 yuan in one day and 18 yuan -24 yuan in one month.
2. Bond funds
Bond funds can be divided into many types according to the different investment ratios of bonds and stocks. Funds that specialize in investing in bonds are called pure debt funds. Generally, the average annual expected income of pure debt funds is around 5%, which means that the expected income of 10,000 pure debt funds in one month is around 40 yuan.
3. Equity funds
Most of the assets of equity funds are invested in stocks, so the expected return of funds fluctuates greatly and is not stable enough. It should be noted that equity funds, hybrid funds and other equity funds have high risks, and the probability of principal loss is high, so the investment may not always be profitable. Therefore, the return of equity funds is uncertain.
Beginners just start to manage money, and generally don't choose high-risk funds. They can first allocate some money funds or bond funds to obtain stable income, and then allocate stock funds when their risk tolerance is improved. They can spread risks through fixed investment, but funds need to adhere to long-term investment, and only long-term investment can see returns.