What is a fixed investment fund? Fixed investment fund is a fixed subscription fund in a specific period of time. This investment method is not affected by market fluctuations, but uses the advantages of time and diversified investment to gradually establish a stable investment portfolio. Fixed investment fund is also a long-term investment strategy, suitable for investors who don't want to spend too much time and energy studying the market.
How to choose a good fixed investment fund is very important. The following are some tips for choosing a good fixed investment fund:
1. Choose large fund companies: Large fund companies usually have more research resources and better management teams, so they are more likely to provide better investment performance.
2. Choose a fund with a low rate: the rate is an important part of the fund's investment return, so it is a wise choice to choose a fund with a low rate.
3. Choose a fund with excellent long-term performance: the long-term performance of the fund is one of the most concerned issues for investors. Choosing a fund with excellent long-term performance can help you get better long-term returns.
How to evaluate the performance of the fund needs to consider many factors. The following are some indicators to evaluate the performance of the fund:
1. annualized rate of return of funds: annualized rate of return of funds is one of the performance indicators of funds. This figure reflects the average performance of the fund.
2. Risk-return ratio of the fund: The risk-return ratio is the balance between the risk and return of the fund. This figure can help you evaluate the relative size of the fund's risk and return.
3. Fund rate: the rate is one of the components of the fund's investment return. Lower interest rates mean higher returns.
How to diversify investment Diversification refers to diversifying investment into different asset classes to reduce risks. Here are some suggestions for diversifying investment:
1. Invest in different asset classes: Investing in different asset classes can help you reduce your risk. For example, stocks and bonds can be considered as two different asset classes.
2. Invest in different industries: Investing in different industries can help you reduce the risk of specific industries. For example, investing in technology, medical care, finance and other industries can help you reduce industry-specific risks.
Advantages of fixed investment funds The advantages of fixed investment funds include:
1. Automated investment: Fixed investment fund is an automated investment method, which does not require investors to spend too much time researching the market.
2. Diversification: Fixed investment funds can help investors diversify their investments and reduce risks.
3. Long-term investment: Fixed investment fund is a long-term investment strategy, suitable for investors who don't want to spend too much time and energy studying the market.