How to play a fund of 10 thousand yuan
1, fund type
The investment threshold of the fund is very low, 10 yuan can buy most of the funds, so there is no restriction on the choice of fund products with a principal of 10,000 yuan.
The most important thing to choose fund products is to consider their own risk tolerance. According to the different investment targets, funds can be divided into monetary, bond, mixed, stock and index funds.
Among them, the expected returns and risks of money funds and bond funds are relatively stable, which are suitable for investors with low risk appetite. Equity funds and hybrid funds fluctuate greatly, so it is not recommended for novice investors to buy them at one time, and they can invest in them. Index funds are also more suitable for fixed investment.
2. Fund purchase channels
Fund purchase channels are nothing more than fund companies, banks, brokers and third-party financial platforms. The process of purchasing funds on different platforms is similar, and they can all be purchased directly online.
The main difference between each channel lies in the amount of funds and transaction rates. Generally, third-party financial platforms are dominant in both quantity and rate. Fund companies have low rates, but the number of funds is limited. The amount of bank consignment is large, but the rate is high.
3. Net fund value
The expected return of the fund is calculated according to the net value. Some investors think that the lower the net worth, the more cost-effective. For example, the same investment is 6.5438+0 million yuan, and 654.38+0 fund shares are bought. If the net value is 2, then only buy 5000 fund shares.
But in fact, the net value of the fund does not represent the expected return. High fund net worth is often related to the high management and operation level of fund managers, while low fund net worth may be caused by poor operation of fund managers.
In addition, the longer the fund is established, the higher its net worth may be. Therefore, the net value only represents the past performance of the fund, which can be used as a reference for selecting the fund, but it cannot be used to simply judge whether the fund is worth buying.
The above contents about how to make good use of 1 10,000 yuan fund, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.