For any investor, making money is of course a very important goal, but you know that you can't make all the money. People's wealth is limited, the market is changeable, and it is a great thing to earn as much as you can. So what can I do to buy a fund without losing money? The following is what Bian Xiao collected for everyone about how to buy a fund without losing money. 202 1_ How do you invest your spare money? I hope I can help you.
What can I do to buy a fund without losing money?
1 Allocate funds in the form of portfolio. Everyone knows not to put eggs in the same basket. If the basket falls, all the eggs will be broken. If you put your eggs in different baskets, even if this basket is dropped, the eggs in the other baskets are still intact and will not be completely lost. Don't put all your eggs in the same basket, it is a means to spread risks and invest steadily.
Buy in batches and avoid buying at the top of the mountain. It is difficult to predict the short-term trend of the market. As an ordinary investor, the common operations are: seeing the stock market rise, hurry to chase it, fearing to miss the big bull market; Seeing that the stock market has fallen, I am afraid that the market will continue to fall and dare not buy it. It is easy to buy high and sell low. Moreover, if you buy it at one time, it is very risky. If you go up, you will be happy. If the market falls, you will have no funds to cover your position. Buying funds in bulk can spread costs and risks through multiple bulk purchases.
If you don't manage your money, money will ignore you. Sticking to financial management can not only make money, but also form a good habit of saving money. Funds are particularly good at managing money. Learning to buy and sell funds can make your annual income reach at least 10%.
How to make a steady profit from idle money investment?
1 You can deposit spare money in Yu 'ebao, not only can you transfer it out at any time, but even if you need to pay anything, you can also pay with the money in Yu 'ebao. The annualized rate of return of Yu 'ebao is 3.6%, which is not low. If it is the bank's live interest rate, it is much lower than this.
If you don't use it urgently, this part of the money can be used to buy maturities, funds and cash deposits, such as funds. Personally, don't buy too much, the capital risk is not small.
Three people think that they can buy regular financial management, and the risk is not high. Although it doesn't earn much, it is very suitable for people who are more stable and conservative.
How to preserve the value of money
1 is the best fixed-income wealth management product at present. For example, the popular fixed-income wealth management products have an investment period of 1-24 months, an initial investment of 1 1,000 yuan and an annualized rate of return of 5%- 12%, that is, the principal and interest income will exceed 1 654,38+0,000 after one thousand years of investment. Fixed-income financial management itself has low threshold and low risk, which is more suitable for most people to invest. Especially P2P financial products, it can be said that P2P financial management is very popular with investors now, which is characterized by low investment threshold, flexible term and good returns.
Stocks, foreign exchange and precious metals have the highest returns. Stock trading is the most popular investment tool, which needs no special introduction. It's just that stock trading is not only how to choose stocks, but also how to allocate funds scientifically. In addition, be careful not to make mistakes in the general direction. For example, if you choose the "sunset" industry, even if you have a good eye for stock selection and the industry as a whole is in a downward trend, you will not make any money. Foreign exchange and gold are relatively old investment tools. However, investors need to be reminded that these two investment products have certain short-selling mechanisms, so there is great uncertainty.
3 Bond wealth management products are the most stable at present. Investment bonds are relatively safe investments. Such as national debt, the income is stable, but the disadvantage is low income. For example, a three-year national debt issued on 20 14 has an annual interest rate of 5%, while the three-year bank fixed interest rate is 4.25% in the same period. Only slightly higher than bank time deposits in the same period. How to buy, in fact, through online e-banking can generally subscribe.
At present, bank wealth management products are the safest. At present, the income of short-term wealth management products of banks is around 2%-7%. In fact, there are many investment opportunities in overseas markets, if not limited to China. For example, overseas funds and overseas insurance have more products, and the scope and risks of floating income are greater. In addition, as a global financial product, it is linked to the global economic situation and is not affected by sensitive factors in the domestic market.