Is the schedule of ant wealth safe? Is there any risk? Does Ant Wealth Buy Funds to Make Money? 1How much does 0 yuan earn?
Is it a loss to buy the Ant Wealth Foundation?
Funds are venture capital products. According to different types of funds, they are divided into different risk levels, which are suitable for investors with different anti-risk abilities, and the expected annualized expected returns are also very different.
Money fund: it mainly invests in short-term money market instruments, such as treasury bonds, bank time deposit certificates and other short-term securities, and the probability of losing money is extremely small and almost negligible. But the expected annualized expected return is less. It is expected that the annualized expected return will drop again this year, generally only 2%~3% of the expected annualized expected return. If investors put100000 yuan into the money fund, the expected annualized expected return after one year is about 3000 yuan.
Equity funds: 80% of the assets of equity funds are invested in the stock market. The rise and fall of the stock market largely determines whether such funds can make money. That is to say, if the stock invested by a fund goes up, the fund can get the expected annualized expected return, and if the stock goes down, the fund may lose money. The risk of stock funds is second only to that of stocks. Once the market goes up, its expected annualized expected return is similar to that of the stock market.
Some investors firmly held equity funds during the bull market in the first half of the year, and their investment funds doubled. However, in the plunge in the second half of the year, not only the annualized expected income is expected to be recovered, but also the principal is lost to only about 60%, which is extremely risky.
Bond funds: More than 80% of the assets of such funds are invested in bonds. The risk belongs to the middle-low type, and the expected annualized return of long-term investment can reach 10%~20%. On the premise that there is no major crisis in the bond market, if a woman invests in a bond fund of 100000 yuan for one year, it is conservatively estimated that she can get 5%~ 10%, that is, the expected annualized expected return is 5000 ~ 10000 yuan.
To sum up, the funds purchased by Ant Wealth cannot guarantee positive returns, and the expected annualized expected returns of all funds are closely related to the market conditions and the choice ability of fund managers. As an investor, you can't invest with a completely positive return mentality, and you need to look at it in the long run.
Taboo of financial management small white investment fund;
Article 1: Don't use price to measure the risk of open-end funds.
The subscription price of open-end funds is not affected by supply, only by net value, and there is no fundamental factor, so its high price means high net value, which means that the fund manager's investment ability and performance are high, not high risk; The low price may also be caused by investment mistakes, which does not mean that the risk is reduced.
Article 2: Don't blindly invest in newly issued funds.
First of all, the new fund will not generate income in the issuance period, closed period and open period, which makes the capital cost of investing in the new fund higher. Secondly, because the old fund has been running for a long time, the investment ability and performance of fund managers have passed the market test, while the new fund is unknown, so the risk may be greater.
Article 3: Don't invest too much in funds.
Investment funds are originally a way to spread risks. In the stock portfolio, investing in more than 8 stocks can basically eliminate non-systematic risks, so there should be no more than 5 investment funds, usually 3 to 4, which is convenient for management and dispersion of funds.
Article 4: Don't sell the fund immediately after dividends.
It is unwise for many investors to sell their funds as soon as they finish paying dividends. Because funds with good investment performance will not fall because of dividends, but may continue to rise. Although the net value of the fund is low after dividends, the accumulated net value has not decreased. The measure of investment performance should be cumulative net worth.
Article 5: Don't buy and sell open-end funds for a short time.
Under normal circumstances, there will be no short-term profiteering when investing in open-end funds. At the same time, investment in open-end funds should bear operating expenses such as fund management fees, as well as subscription fees and redemption fees. The speculative cost is greater than that of A-shares and closed-end funds.
Frequent purchase and redemption will inevitably shrink the expected annualized expected income, or even lose money. The stocks invested by open-end funds are mostly potential stocks and blue-chip stocks with investment value. Only after a long time will the investment value be reflected. In addition, for the long-term investment of open-end funds, the redemption rate of some funds will decrease with the increase of holding years until it is zero.