1. Fund is an indirect investment method. Through the fund manager's investment in stocks, bonds and other products, the risk and expected return of the fund are lower than those of direct investment in stocks, but higher than those of fixed-income products such as bank deposits.
2. Average expected rate of return on funds
If you buy a fund of 10,000 yuan, you can earn 1000 a month, that is, you can earn 12000 a year, which means that the expected annual rate of return of the fund has reached 120%. Although the expected return of the fund in the future is unpredictable, the expected return of the fund in the past can be used as a reference.
In 20 19, the average expected return of funds is 22.67%, including 39.69% for equity funds, 32.26% for hybrid funds and 33.47% for index funds.
Judging from the average expected rate of return, it is almost impossible to buy 10,000 funds and earn 1000 yuan a month, that is, the annualized expected rate of return reaches 1.20%.
3. The expected rate of return of a single fund
Among the active equity funds in 20 19, the top three expected returns are 12 1.69%, 1 10.37% and/kloc diversified emerging stocks. Therefore, judging from the expected return performance of a single fund, it is also possible to buy 10,000 funds and earn 1,000 yuan a month.
However, the past performance of the fund does not represent the future performance of the fund. The overall performance of the fund in 20 19 is better than that in 20 18, but this does not mean that this market will continue in 2020.
Moreover, for individual investors, investing in active stock funds is risky, and there are also higher requirements for the selection and purchase time of fund products. Generally speaking, it is unrealistic to buy 10 thousand funds and expect to earn 1000 a month.