Now our A-share market is a bit like what Buffett said when others were afraid, because everyone is worried about the market, and the negative factors of the market affect the whole market. The current market value has returned a lot from last year's 10, and the cost of entering the market is nearly 30% lower than last year's 10. It is a good opportunity to enter the market.
2) In terms of fixed investment, index funds are preferred among stock funds for two reasons: 1) passive tracking index, which fluctuates greatly and is least affected by human factors. 2) Only funds with large fluctuations can make fixed investment play a role in stabilizing risks. I dare not recommend it to you casually. In the spirit of being responsible for you, I can only say two three-star index funds evaluated by Morningstar. (Because it is from the perspective of fixed investment) Huaan China A shares and Great Wall Jiutai 300 show that index funds are selected first, followed by funds with relatively large company scale and Morningstar rating of at least three stars within three years. The assets held by the company are between1.5-850 million. There is a relatively stable income. Last year, it was not a five-star fund, but this year it was a three-star fund. Furthermore, Huaan China A-shares and Great Wall Jiutai both meet the above requirements, and their two funds also have the lower investment limit of 300 yuan.
Finally, I want to say that the fixed investment is not only to avoid the effect of currency depreciation caused by inflation. It should be a tool for long-term investment, because its compound interest effect is recognized abroad. The formula is: A*( 1+8%)N, to explain a little, where a represents the amount of money you invest each month, and n is the number of periods in the investment cycle, that is, if it is 10 year, it should be10 *12 =10. So this is a relatively conservative yield expectation.
So, if you have the idea of long-term investment, I suggest you make a fixed investment. Otherwise, for investments of less than three years, I suggest choosing some bond funds with relatively low yield but guaranteed capital. Fixed investment said above, bond fund: financing bonds or Guotai Jinlong bonds. The above recommendations are two choices, not for you to buy them all. When the stock market rebounds, index funds are often the best performing stock funds. To sum up, as long as it is a large fund company familiar to investors, companies with assets below 654.38+000 billion are rare.
Several points for attention in choosing a fund are as follows:
1, select a company
The scale of assets managed by the company; The stability of the historical performance of the company's funds; Whether the company's product line is perfect; Whether the company's customer service is of high quality; The integrity of the company.
2. Choose a fund manager
The first is a single manager, that is, the investment decision of the fund is decided by the fund manager alone within the scope of authorization;
The second is management group, that is, two or more investment managers form a group to choose the stocks or bonds they invest in;
The third is multiple managers, that is, each manager is responsible for managing a part of the fund assets.
3. If the asset size is between1.50-850 million, if the fund size is too large, it will also have a certain impact on the fund's opening, which is unfavorable from the perspective of portfolio management.