The first angle: fund type.
Different types of index funds have different returns. At present, the mainstream index funds in the market are stock-type, bond-type, mixed-type and commodity-type. Each type of fund pays attention to different indexes and investment strategies, so the rate of return is also different. Take the Shanghai and Shenzhen 300 Index as an example. As of April 202 1, 2 1, the Shanghai and Shenzhen 300 Index was 5854.96. In the same period, the annual returns of Shanghai and Shenzhen 300 index funds were 55.09%, 54. 15% and 53.86 respectively. It can be seen that even different funds with the same index have different returns.
The second angle: market environment
The income of fund investment is not only related to the fund itself, but also closely related to the market environment. Investors should pay attention to the overall situation of the market and industry trends when choosing funds. If the whole market performs well, the stock market rises and the bond market rises, then the income of index funds will naturally be higher; On the contrary, it may be affected by market fluctuations, and the yield will drop.
The third angle: the time of establishment
The establishment time of different index funds also affects their annual income. Generally speaking, early-established funds have relatively high returns because of long time, large scale and stable performance. Funds that have been established for a short time can improve the rate of return by selecting listed stocks and optimizing their allocation, but they are also relatively more risky. At the same time, the long-term establishment can better reflect the investment experience and ability of the fund.
To sum up, the annual rate of return of index funds is not fixed, which is closely related to the fund type, market environment, fund establishment time and other factors. In view of this situation, when investors choose index funds, they need to consider in many aspects and carry out appropriate risk control. Investors can make more accurate investment decisions by understanding information such as market conditions, fund characteristics and on-site conditions.