What are the best banks for capital preservation and wealth management in 217? List of expected annualized expected returns of capital preservation funds

What is a capital preservation fund?

a capital preservation fund is a fund that guarantees that the principal will not lose money within a certain period of time. A very small proportion of assets are invested in products with higher risks, while most assets are allocated with bonds with lower risks, so as to obtain stable expected annualized expected returns.

characteristics of capital preservation fund:

1. principal guarantee

the core feature of capital preservation fund is that this kind of fund has a guarantee period, and there will be no loss in the principal during the guarantee period.

2. Semi-closed

The capital preservation fund supports redemption at any time. Redemption during the capital preservation period will lose the privilege of capital preservation and the high redemption fee. After the fund is raised, the half-closed subscription is not accepted in the current period.

3. Value-added potential

While guaranteeing the principal, we can obtain the expected annualized expected income through low-risk wealth management products.

investment risk of capital preservation fund:

1. The market drops sharply in a short period of time, resulting in the loss of liquidity of funds, so that the exposed part of risks can not be realized in time, and it will break through the net capital preservation line.

2. The investment market fluctuates frequently and violently, which leads to a huge amount of redemption. The fund has to adjust its asset allocation, and its capital preservation will be affected.

3. The fund management is not strict, and the relevant strategies are not strictly implemented, which leads to the failure of the fund to realize the capital preservation during the capital preservation period.

Investment strategy of capital preservation fund:

1. Consider the probation period of personal funds

principal guaranteed fund can only purchase during the fundraising period, and the withdrawal is not guaranteed by the principal. The investment period is suitable for medium and long-term investors, and the liquidity of personal funds should be considered before subscription.

2. Don't be alarmed by the fluctuation of expected annualized expected return

The market is constantly changing. Although the capital preservation fund promises to guarantee the principal during the insurance period, it does not guarantee the stability of the expected annualized expected return every day. It is normal for the expected annualized expected return to fluctuate.

3. Comprehensive analysis

When choosing a capital preservation fund, it is necessary to carefully look at the operational capabilities of management institutions and fund managers and select a fund with a lower comprehensive rate.

In the fourth quarter of p>216, the volatility of the stock market and the bond market caused risk events to gather, which led to market panic. More than 3% of the capital preservation funds mainly invested in bonds were broken, and more capital preservation funds will face liquidation or transformation in the future. When investing in any kind of funds, it is necessary to know the current market conditions in detail to reduce investment risks.