Which groups are suitable for the fund to vote?
The fixed investment of the fund is suitable for most people, but certainly not for everyone.
Fixed investment in a fund is to buy a fund or wealth management product at a fixed time on a regular basis. Such a fixed investment method can effectively avoid the risk of price fluctuation of funds or wealth management products.
The people who are suitable for the fixed investment of the fund are mainly middle-aged people with certain wealth accumulation. Their families are stable and they have more savings to invest. They hope that the products they invest in can have higher returns and at the same time bear certain risks. From the time efficiency and cost of investment, it is true that the younger the investment, the better. However, most young people have low incomes, but they spend a lot. Young people in China, in particular, should consider buying a house when they get married. In fact, there are not many savings that can be invested, and some people are even "moonlight families".
The rational allocation of family wealth must be considered in the fixed investment of the fund. The source of funds for fixed investment is generally part of our salary income, and of course, we can also invest some of our existing wealth every month. However, investing in high-yield and high-risk wealth management products is generally not recommended to exceed 30% of the total household assets. If you have a house, a car and 6.5438+0 million cash at home, it is suggested that the investment ratio of stock investment products should not exceed 500,000 yuan.
Generally speaking, unsuitable people are: people who are too greedy and buy and sell frequently; People who don't have much determination and are easily nervous when they encounter losses; Family wealth is unstable, and fixed investment funds will be used at any time.
Fixed investment funds or stocks generally set investment goals, and only when they reach the investment goals can they leave the market profitably. At present, the interest rate of bank deposits is generally between 3% and 4%, which is the interest rate of investment products with guaranteed capital and interest. High-risk investment products should have higher returns, so we can set the investment target at 10%~ 15%, and gradually withdraw when the income target is reached. In this way, the return on all our capital can reach 6%~8%.
If our investment funds are unstable, we may face losses. For example, the elderly need to refund money when they are sick, and the stock market may be in a bear market period, and forced refund may lead to losses. If we put our money in the bank and choose a three-year fixed interest rate, the interest rate can reach 4%. If the cash is withdrawn in advance, the principal can be guaranteed, and at least there is current interest.