First of all, we need to know the types of funds. Different funds have different investment scopes and types. Money funds have the smallest risk, followed by pure debt funds, and mixed funds, index funds and stock funds have the greatest risk. Generally, the risk is high, the fund fluctuates greatly, and the income will also fluctuate greatly.
Suppose you want to earn more than 10,000 yuan a month by buying money funds or bond funds. Basically, it is very unlikely. Unless you have millions of principal, the average person rarely has that much principal.
For example, if it is a money fund, assume that the annualized rate of return of the money fund is 2%, and if there is 1 10,000, then the annual income is:/kloc-0 10000000 * 2% = 20000 yuan, and then 365 days a year, that is, 20,000/365 = 54 yuan, assuming 30 days a month.
100000 yuan is not a small sum. You can only earn 54 yuan in one day and 620 yuan in one month/kloc-0. Assuming 2 million yuan, the monthly income is only a few thousand yuan, which is far from 10000 yuan. As can be seen from the example, the required principal is not a small amount, but it is still very difficult.
Secondly, there are hybrid funds or equity funds, which are risky. In short, there are risks and benefits. For example, if an investor's principal is1000000, and the monthly increase of the fund is 10%, the income is 100000 * 10% =
However, we should know that it is impossible for a fund to increase by more than 10% every month, and it may also lose 10%, that is, lose 10000 yuan. Therefore, investors must be cautious when buying funds, and the benefits and risks are the same. So they must consider their ability to take risks when buying.
If the hybrid fund or equity fund has a good income, assuming that the income reaches 65,438+00% and you have a principal of 65,438+0,000,000 yuan, it is still possible to earn more than 10,000 yuan a month, but it is impossible for us to earn more than 10,000 yuan a month. Capital fluctuates, so it is impossible to always say positive returns. It has been rising, and sometimes it may fall, and we will lose money.
Looking at it from another angle, there are more than 6.5438+0 million people, and their daily consumption is definitely relatively large. It is less likely that they will spend 1 10,000 yuan per month to make ends meet. Therefore, financial management just lets us form a good habit. It is impossible for a fund to get rich overnight, but it is possible to buy a fund with a monthly income of over 10,000, but it is a bit difficult. In addition to having enough principal, we should learn more about the relevant funds and make a rational analysis.
In addition, the risk of fund financing is also great. There are as many risks as there are gains. Revenue and risk are generally proportional. When investing, you can't just see the benefits and ignore the high risks. I hope the above content can help you!