The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.
In the long run, monthly diversification can reduce costs and risks, and make the investment cost close to the average cost invested by most investors. In this case, the long-term compound interest effect of time will be highlighted, which not only ensures the safety of funds, but also makes small money that you usually don't care about become "big money" after long-term accumulation.
For example, investors only invest in the fixed investment business of funds in 300 yuan every month. If the future average rate of return of the invested fund is 5%, after five years of investment, the total amount of funds available to investors will reach 20,427 yuan. Even if the cost reduction factor of deferred investment is not considered, its actual investment return rate will still reach 13%. In addition, the procedures for the fixed investment of the fund are also very convenient. At present, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Minsheng Bank have all started the fixed investment business of funds, and the entry threshold is low. For example, ICBC's fixed investment business requires a minimum monthly investment in 200 yuan.
If you want to buy a fund, I suggest you buy a fund company product with good brand, strong investment and research ability and good historical performance of its funds;
Historically, Huaxia and Shanghai Investment Corporation's funds are all good. If I had to recommend it, I would recommend Huaxia Return and Upcast Alpha.
Huaxia huifu
Recommended reason: 1. The fund is flexible in operation and can actively adjust its position according to the stock market situation. As can be seen from the recent quarterly report, its stock position has been continuously lowered from 77% last year to 34% at present, which shows that it pays attention to pursuing defensive strategies in weak markets. This also makes it more flexible in a weak market. In the past year, the stock market has shrunk by more than 60%, but it has only fallen by 20%, which is not only far better than stock funds, but also among the best in the same type of funds. 2. The fund is supported by the strong investment and research strength of Huaxia Fund Management Company. Huaxia fund company's strong investment and research strength has made many investors yearn for it. Its asset scale exceeds 2 10 billion yuan, and its historical accumulated dividend exceeds 37.2 billion yuan. It is the largest fund management company in China. The company manages 2 closed-end funds, 65,438+05 open-end funds, 65,438+0 innovative closed-end funds, 65,438+0 Asian Bond Fund China Sub-fund and several national social security fund portfolios, and has been recognized as investment managers by more than 70 annuity customers. In April, 2008, it became the only company that won the "Best Fund Company of the Year in China" in the "2008 Investment Achievement Award" held by Asian authoritative asset management magazine AsianInvestor. In view of the above situation, we believe that the fund is more suitable for the current market situation and suggest that investors actively subscribe.
In the last year, the overall scale of Morgan Alpha was the same as that of similar funds; The performance of dividend style is not a preference. In terms of risk-return ratio, the investment income of the fund is very high and the investment risk is very small.
In the net asset value of the fund, the proportion of investment in stock assets is general. The comprehensive management ability of Morgan Alpha Fund Manager is very strong, and its stability is average. In the choice of fund investment objects, it is more inclined to invest in large-cap stocks with high growth. In the concentration of fund heavyweight stocks, the concentration of the industries to which the stocks belong is relatively scattered.
Judging from the overall management level of the fund company to which the fund belongs, the overall income of the fund under the fund management company is equal to the average overall income of other fund companies, the income difference is equal to the average level, and the overall risk level is slightly higher than the average level.
Therefore, it is recommended that you buy and hold the fund for a long time.
Finally, I wish you a smooth investment ~ ~