Regarding fund management, post-90s prefer OTC funds. What is OTC funds? This is actually very simple to understand, that is, you can only see the change of the net value of a subscription and redemption. Like stocks, it changes in real time, and you can't see other information. However, the shareholding structure he adjusted is basically announced once every three months, and there is no real-time change at all.

OTC funds are relatively simple and more in line with the investment needs of young people. Young people don't want to see so much investment, just look at the net value of the fund. They bought it for a dollar. Now it's 1.2+ 1.5, so they make their own money. It's that simple. You have to tell him how high the withdrawal rate of the fund is, how the shareholding in the fund is, and what the fund manager has done. He doesn't care about any performance, he only cares about how the net value of the fund he bought changes, so how much commission do you have to sell it? How much is the handling fee for buying it back? Whether you can make money in the end, these basic questions.

Because OTC funds can see the change of this net value in real time, this is also a great advantage. It's a bit like a simple stock. When buying stocks, you can look at the trend chart, that is, it was bought in 20 yuan, and it became 25 yuan three months later. Congratulations, you won 2.5 percentage points. This 2.5 percentage point is your income for two months, not one year. If you calculate by annual income,

Under normal circumstances, the investment method with a profit rate of about 5% is a good choice, because in this case, the risk can still be controlled, but when its profit rate exceeds 10%, it belongs to venture capital, that is, you may earn 10%, and you may lose 20%. If you want to make more money, you have to bear more money. This is why if you are optimistic about the fund, 1000 yuan may become 12000 yuan after you buy it for one year, 13000 yuan or even 15000 yuan, but if you are unlucky, it may become 8000 yuan after you buy it for less than two months, with a loss of 20000 yuan.

There has always been a saying that when the profit return rate of an investment method exceeds 5%, you should be prepared to lose all the principal. Although many people think it is a bit exaggerated, it is not wrong from a conservative point of view. The normal return point of your money in the bank should be around 3 percentage points, and some local banks can give you 4 percentage points, which is quite good. You want to earn 65,438+00 points.