On the one hand, index funds have great income, and long-term fixed investment can avoid high-risk defects;
Secondly, the index fund will not suspend subscription, which can avoid destroying the established investment plan because a stock fund suspends subscription;
In addition, index funds are not troubled by stock selection, and the change of fund managers has little effect on the performance of index funds; It can avoid the fund manager's resignation leading to large fluctuations in fund performance, which directly affects the income and has to stop the fixed investment.
Which is more suitable for one-time purchase? There is no absolute difference between this and this.
What about these two funds in general? -Everything's fine. I made a brief analysis. Look:
5 1900 1 Yin Hua Value Optimization-Stock Type
"The Fund strives to achieve long-term stable appreciation of the fund's assets by actively selecting companies with the ability to create profits and competitive valuation levels, while optimizing the risk-return ratio and obtaining excess returns. The floating range of stock investment ratio: 60%-95%; The proportion of investment in assets other than stock assets ranges from 5% to 40%. Of the funds invested by the Fund in stock assets, no less than 80% of the assets will be invested in companies with profitability and competitive valuation. The net asset value (as of 09/09/30) is 16438+0 billion yuan. " -The quarterly report in March 2009 showed that stock investment accounted for 85.59%. It can be seen from the general situation of the fund that this fund is large in scale and suitable for investors with strong risk tolerance, and the corresponding fund income will also be worth looking forward to.
Fund manager-is a very good fund manager. From 2008/ 10/23, although it was only one year, it can be seen from the performance of the fund that the manager has a tough style and high investment ability.
Fee-subscription fee 1.5% (direct discount on the website of the fund company), fund management fee 1.50%, and fund custody fee of 0.25%. Generally speaking, the investment cost is moderate.
Performance-rate of return (108.48%) since this year (as of 09/118) > The return rate of similar funds (72.58%). It shows that the yield of most equity funds this year is around 72.58%, and the funds are much higher than the average level; There are ***220 equity funds, ranking fourth and among the best. One-year income ranks fifth among 2 15 equity funds, 20th among 178 equity funds in two years and 18 among 122 funds in three years.
Generally speaking, the Fund, as a stock fund, can maintain stable performance for a long time in bull market, bear market or stock market shock, and has been in the first echelon of stock funds, with accurate prediction of the economic situation and unique industry configuration, and is worthy of being an old-fashioned excellent fund. As a rare excellent stock fund, it is worth investing.
16 1604 Rongtong Shenzhen Stock Exchange 100
"By controlling the tracking error between the stock portfolio and the Shenzhen Stock Exchange 100 index, we will strive to achieve effective tracking of the Shenzhen Stock Exchange 100 index. Invest more than 90% of the non-bond assets of the Fund in the stocks of Shenzhen Stock Exchange 100 Index. The stock indexed investment part is not less than 50% of the fund assets, and the daily tracking error relative to the Shenzhen Stock Exchange 100 index is not more than 0.5%. " -This investment model makes this fund aggressive not only in the financing department, but also in all fund types. But I want to remind you that you have to take high risks while enjoying high returns, so you'd better know whether you have high risk tolerance before making a choice.
Performance benchmark: Shenzhen Stock Exchange 100 index yield ×95%+ interbank deposit rate ×5%.
Fee-subscription fee: 1.5% (no online discount for the time being); Management fee:1.0%; Custody fee: 0.2%. Redemption fee: 1 year 0.3%, 1-3 years 0.15%; Free for more than 3 years. Generally speaking, the investment cost is high.
Performance-rate of return (104.55%) since this year (as of 09/118) > The return rate of similar funds (72.58%). It shows that the yield of most of these funds this year is around 72.58%, which is much higher than the average level. There are 220 similar funds, ranking eighth and first. One-year returns rank seventh among 2 15 similar funds, 8 1 among 178 similar funds in two years, 33 122 equity funds in three years and 19 among 35 similar funds in five years.
It should be noted that because the fund is an index fund, it is the stock fund that is most affected by the stock market. In the process of stock market recovery since 2009, compared with other stock funds, the index has such performance. However, in the stock market decline from the end of 2007 to the beginning of 2009, it was naturally greatly affected, resulting in the poor performance of "two-year return ranked 8 1 among 178 similar funds". Therefore, Rongtong Shenzhen Stock Exchange 100 should also be compared with other index funds.
Generally speaking, Rongtong SZSE 100 is among the best among all index funds, mainly because the current trend of SZSE 100 index stocks is better than other index stocks, so the performance of Rongtong SZSE 100 index in index funds is very outstanding.