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About financial management of funds

There are two types of funds: open-end and closed-end. Open-end funds can be purchased directly on the fund company website (need to open online banking) or through various banks.

Closed-end funds must open a stock account and buy stocks like stocks.

There are several types of open-end funds: currency, bond, capital guaranteed and stock.

Currency funds have no subscription and redemption fees, and the income is equivalent to half-year to one-year deposits. They can be redeemed at any time without losing money.

The subscription and redemption fees of bond funds are relatively low, and the returns are generally greater than those of currency funds, but there is also the risk of losses, and the losses will not be large.

Stock funds have the highest subscription and redemption fees. The fund assets are stocks. When the stock market falls, the fund has the risk of losing money, but if the stock market rises, it will make a profit.

Through long-term investment, the average annual return rate of stock funds is about 18% to 20%, and the average annual return rate of bond funds is 7% to 10%.

Funds are experts who help you manage your finances.

The minimum starting capital for a fund is 1,000 yuan per transaction, and you can invest a minimum of 200 yuan to buy a fund at a bank or fund company.

Banks can act as agents for the business of many fund companies. For specific account opening, go to the bank's financial management counter.

Nowadays, some securities companies also provide agency funds for trading.

After the bank opens online banking, there will be discounts on general charges for online purchases.

First, you need to understand yourself whether you want high risk and high return or prudent capital preservation and return.

The former one buys stock funds, and the latter one buys bond or currency funds.

After the fund type is determined, the fund selection can be based on fund performance, fund manager, fund size, fund investment direction preference, fund charging standards, etc.

Fund performance is ranked online.

For more stable stock funds, you can choose index or ETF. For fixed investment, it is best to choose back-end payment. For index funds with the same target, choose one with low management fees and custody fees.

I won’t make specific recommendations. Only your feet can tell whether a shoe is good or not.

Generally speaking, there are two investment methods for open-end funds, single investment and regular fixed amount.

The so-called "fixed additional investment" of funds means that investors invest a fixed amount (such as 1,000 yuan) into a designated open-end fund at a fixed time every month (such as the 10th of each month), similar to a bank's small deposit withdrawal.

Way.

Because the fund's "fixed investment" has a low starting point and a simple method, it is also called a "small investment plan" or "lazy man's financial management."

The fund's regular fixed-amount investment has characteristics similar to long-term savings. It can accumulate small amounts into large amounts, evenly spread investment costs and reduce overall risks.

It has the function of automatically increasing the amount on dips and reducing the amount on highs. No matter how the market price changes, it can always obtain a relatively low average cost. Therefore, regular fixed-amount investment can smooth out the peaks and troughs of the fund's net value and eliminate market volatility.

As long as the selected fund has overall growth, investors will receive a relatively average return and no longer have to worry about the timing of entering the market.

It is always an opportunity to invest in stock funds and make fixed investments, but only by having the determination to stick to it can you see results.