2. Capital preservation fund: refers to a fund that provides a certain proportion of capital preservation protection for the invested principal within an agreed time, such as 3-5 years. Funds use fruits or a very small proportion of assets to engage in high-risk investment, and most assets are engaged in fixed-income investment, so that the market invested by funds will never fall below the capital preservation, and the so-called capital preservation can be realized. The principal can be absolutely guaranteed, and the due principal is absolutely guaranteed by works with high credit. At present, the stock market is at a relatively low point. At present, if you have the opportunity to buy a capital preservation fund, the principal can be guaranteed for a period of 3 to 5 years, even in the most extreme case; If the stock market rises in 3-5 years, the expected return is very considerable, and many annualized returns with only three-year capital preservation have reached 15-20%. However, it is worth noting that if the redemption fails to fulfill the promise of capital preservation, the product is still more suitable for investors with medium investment period.
3. In fact, many people ignore national debt and time deposit in pursuit of maintaining and increasing value. If the liquidity requirement is not high, you can consider investing, because the current interest rate is at a high level. The annual interest rate of 5-year bonds issued this year is as high as 6. 15%, and the annual interest rate of 5-year deposits is 5.5%. Although the rate of return is not very high, the security is absolutely guaranteed. Banks' wealth management products can also be considered. Since the beginning of this year, the annual yield of many wealth management products has been lower than 6%. In addition, the A share of graded funds is also a relatively stable investment strategy, and the maturity income is generally between 5% and 7%, which guarantees the income.
4. If your investment assets are above 6.5438+0 million, you can consider trusts and hedge funds. Trust products are only suitable for middle and high-end investment groups because the minimum starting point is 6.5438+0 million. At present, the annual income of domestic trust products is around 7%- 15%, the income of real estate trust is higher, generally above 10%, while the income of some bonds and equity trusts is lower, mostly 8- 10%. In recent years, domestic general managers have issued thousands of trust wealth management products, all of which repay the principal and interest on time with high security. However, we should also pay attention to the risks in the real estate market. As the state's macro-control of real estate shows no signs of relaxation, the real economy has been hit by real estate, and the focus of the Twelfth Five-Year Plan is economic transformation, so the real estate market may breed greater risks. Conservative investors should avoid doing some high-quality projects with government guarantees and sufficient collateral in order to seek higher returns.
At present, domestic hedge funds mostly adopt market-neutral strategy to hedge market risks through stock index futures, so that investors can share the benefits of the capital market even in a bear market. At present, some Public Offering of Fund and private equity funds are testing the water, and have achieved good results recently, so we can continue to pay attention.
Of course, the specific investment should be based on your family's assets and liabilities, income and expenditure, financial management goals, investment period and so on. In order to formulate a reasonable asset allocation method. These are just a few low-risk investment methods suitable for conservative people, hoping to provide some help for your investment.
The spot trading of gold and silver with leverage recommended by other friends is about 5- 13 times that of domestic leverage. First of all, there are risks. Secondly, it needs good professional skills and is not suitable for ordinary investors. If you have character, you can consider the paper gold of the bank. Without leverage, the risk is small. Some foreign platforms are purely fake, with 50-400 times leverage and high risk, which is illegal. It is recommended not to participate.