1, Monetary Fund: Monetary Fund's income is relatively stable, with an annualized rate of return of about 2.5% in seven days. If you buy 65438+ 10,000 yuan, the expected annual income can reach:100000 * 2.5% = 2,500 yuan.

2. Bond funds: Bond funds mainly invest in the bond market, with an expected annualized return of around 8%. The expected income of buying 65438+ 10,000 yuan a year is: 100000*8%=8000 yuan.

3. Equity funds: Among all fund types, equity funds have the highest expected annualized income. If the market is good, it can reach more than 20%, but there is also the possibility of loss. If the expected annualized income is 15%, then the expected income of buying 654.38+10,000 yuan a year is:10,000 *15% =10.5 million yuan.

If you buy a fund, you can't invest all the principal. If the market goes up, we can enjoy a certain return. But if the market falls, we can invest about 70% of the principal in batches, which can reduce our investment cost. If all the principal is invested, it is too radical and too risky.

Knowledge expansion;

Precautions for purchasing funds:

1. Liquidity: Liquidity refers to the money you have in the fund and can be redeemed at any time when needed, that is, the liquidity of the fund. Many people think that buying funds means buying a large number of funds held or purchased by institutions. They think that you can get into a sedan chair of a big institution and enjoy the treatment of sitting in a sedan chair, which is unacceptable.

Because the fund institutions put most of the funds into the capital market, only a part of the funds are left to deal with the withdrawal of basic personnel. Because large institutions are very sensitive to market trends and national policies, they will be redeemed at the slightest sign.

At this time, the fund loses its liquidity, and the retail investors can't pay it. The fund can only sell assets at a discount, and the income drops. More depositors withdraw cash and continue to sell, which is a vicious circle and may fall into crisis.

2. Security: Security means that after considering the structure of fund investors, you can look at their investment objectives. Theoretically, the higher the return of fund investment target, the greater the risk. In particular, funds investing in the New Third Board should be extra careful.

Mainly consider the risk, return and liquidity of the investment target. Of course, according to the fund's previous investment income and payment records, we can also see whether it is safe.

3. Rate of return: If the fund invests in stocks, it mainly depends on the general environment of the stock market at that time. In a bull market, the returns are often higher than the investors themselves. If it is a money fund, consider the size of the fund. The average fund size is about 30 billion, which is the best. This quota can have enough voice, get better interest from banks and respond flexibly to market changes.

Fund purchase cost:

Investor-related expenses related to fund operation mainly include the following categories:

1 operating expenses

Fund operating expenses refer to the expenses incurred during the fund operation, mainly including management fees, custody fees and other expenses, which are directly deducted from the fund assets.

2 management fee

The fund management fee is the remuneration paid to the fund manager. Generally, it is calculated according to a certain proportion (annual rate) of the net asset value of the fund, extracted from the fund assets and paid regularly. Fund management fee is the main source of income for fund managers. The fund manager's own expenses cannot be spread into the fund or fund company, nor can they be charged to investors. Daily management fee = calculated daily fund net asset value × management rate ÷ days of the year.

3 Custody fee

Fund custody fee refers to the fee charged by the fund custodian to the fund or fund company for providing custody services for the fund. Custody fees are usually drawn according to a certain proportion of the fund's net asset value, calculated and accumulated daily, and paid to the custodian regularly. Custody fee accrued daily = net asset value of the fund on the calculation day × custody rate ÷ days of the year.

4 Other expenses

Other expenses include registration fee, seat rental fee, securities trading commission, lawyer's fee, accountant's fee, information disclosure fee, holder's meeting fee, etc.

5 Operating expenses

Operating expenses are an important cost in capital operation. The operating expenses of funds with different investment strategies vary greatly. The above operating expenses and charging methods shall be announced in the fund prospectus.

6 Taxes payable

Generally speaking, fund investors will be involved in three kinds of taxes:

(1) Income tax is levied on dividends and capital gains of investors.

(2) Transaction tax, that is, the tax that the fund needs to pay when trading.

(3) Stamp duty, the tax payable on the relevant documents in the transaction.

China has not levied income tax on individual investors' fund dividends and capital gains, and the investment income obtained by institutional investors should be incorporated into the taxable income of enterprises and levied enterprise income tax. The investment object of this fund is the securities market. The fund manager has paid various tax rates stipulated by the stock exchange when investing, and investors do not need to pay transaction tax when purchasing and redeeming open-end funds. For investors to buy and sell funds, stamp duty is temporarily exempted.