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You can go to the website or software of fund sales, such as Tian Tian Fund and Alipay, and you can buy and sell funds. There will be statistics on the popularity of major funds, such as weekly buying rate, number of people concerned, yield and so on. Through these indicators, you can check the popularity of the fund.
1. 1. We often say that investment funds should first see risks and then consider returns. Only by combining your cognitive ability and risk resistance can you invest and allocate funds better, and remember not to exceed your ability.
2. When choosing a fund and fund manager, we should not only look at the existing performance of a fund, but also look at the historical position and performance of the fund at various stages, and also look at its overall style and performance in combination with other funds of the fund manager.
Second, no matter what platform you manage your money on, before investing in any product, the system will pop up a small window to remind you to do a risk tolerance test. This is a must, and it is recommended to take it seriously, because it can let you know your risk tolerance more effectively and objectively. It also has an automatic reminder function. In the future investment, when you try to buy a product that is beyond your risk tolerance, you will be prompted that this product is not suitable for you. This is irresponsible for your own investment. If you encounter a big loss, it will be too late to regret it. Everyone's risk tolerance is not immutable. Perhaps because of the increase in income, you can try products with higher risks; Maybe you need to configure more low-risk products, because you have a family and a career. I suggest you do another test every year to know your risk tolerance in real time. The choice of fund varieties varies from person to person.
Third, according to the different products invested, funds can be divided into different varieties. Let me introduce you to the four most common ones:
1. Monetary fund: invest in short-term monetary instruments, such as treasury bonds, central bank bills, bank time deposits, short-term treasury bonds, etc. For example, our commonly used balance treasure belongs to this kind of fund. Although the rate of return is not very high (usually stable at around 2-3%), it is better than low risk (in extreme cases, there will be losses). Moreover, the trading is more flexible, which is very suitable for putting the usual change and reserve fund.
2. Bond funds: More than 80% of fund assets are invested in bonds, and the rest can be invested in stocks. From the beginning, the risk of single-day loss of such funds is more obvious. But as the saying goes, the greater the expected rate of return, the greater the risk of loss, and the volatility has always been up and down.
3. Equity funds: More than 80% of fund assets are invested in stocks, and the rest can be invested in bonds and currencies. We often say that index funds are equity funds. Under higher risks, there are also higher expected returns. Usually, we can spread the buying time and extend the investment time (such as fixed investment) to stabilize the risk.
4. Hybrid funds: funds that invest in stocks, bonds, money markets and other instruments at the same time, the investment scope is not so strict. Therefore, the risk of such funds will fluctuate, sometimes lower than that of equity funds and sometimes higher. When we choose, we can pursue higher returns and spread risks by investing in various funds.