Combined with your situation, I suggest you make a fixed investment in the fund. The minimum monthly fee is only 100 yuan.
The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.
The benefits of regular fixed fund investment for young people can be summarized as follows:
1, you need to set aside a fixed amount for fixed investment every month, which is similar to compulsory savings to prevent young people from over-consuming and becoming moonlight clan.
2. Fixed investment is similar to lump-sum deposit, which accumulates over time, allowing young people to experience the fruits of financial management and enhance their interest and fun in financial management.
3, fixed investment does not need to invest too much energy from time to time, suitable for young people's fast-paced life and work.
Young people should plan well when they decide to invest, so that they will not be shy when they use money in the future, such as getting married and having children.
Personally, if you want to choose a fixed investment, equity funds are a better choice. Because: the biggest advantage of fixed investment is stability. This method is often used to invest in aggressive or active funds, such as stock funds and active allocation funds, and can often achieve good returns.
I recommend you to make a fixed investment in fund portfolio: you can make 40% index fund +30% allocation fund +30% bond fund.
The proposed funds are as follows:
Dacheng CSI 300
Recommended reason: An important starting point of choosing a fund for fixed investment is to spread risks and reduce the average cost, so it is advisable to choose stock funds with large fluctuations, especially index funds. Although the stock index is unpredictable in the short term, in the long term, the stock index always rises, and it is difficult to accurately grasp the market hotspots by actively investing in stock funds. Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. Based on the principle of fitting and tracking the Shanghai and Shenzhen 300 Index, the Fund conducts passive indexed long-term investment, and strives to obtain the average yield of the China stock market represented by the index. Since the establishment of China Capital, the compound annual growth rate of the Shanghai Composite Index has exceeded 20%, and the constituent stocks of the Shanghai and Shenzhen 300 Index are the top 300 heavyweights in the two cities, covering about 60% of the market value of the Shanghai and Shenzhen markets, with good market representation. The fund's past performance is outstanding among similar funds, and it is suggested that it can be used as one of the first choice funds for fixed investment. The manager of the fund is Dacheng Fund Management Company, which was established in 1999. It is one of the first ten fund management companies approved to be established in China. As of September 2007, the fund assets under management reached about 1 1000 billion yuan, making it one of the largest fund management companies in China.
China is growing steadily.
In 2007, Huaxia Steady Growth Fund ranked first among balanced funds with a net growth rate of 160.05438+0%. The fund is actively allocated and its investment scope is very flexible, with the investment ratio of stocks and bonds ranging from 0 to 95%. The fund's extremely flexible asset allocation strategy enables the fund to adapt to market changes, and the broad allocation ratio provides the greatest flexibility for investment. When the market rises, we can take more radical strategies to seize the opportunity to the greatest extent and get higher returns. When the market risk is large or the trend is uncertain, you can reduce the stock position to avoid the risk. There will always be uncertainty in the stock market, and the flexible asset allocation of the fund will show its advantages this year. The fund achieved ideal investment returns in its operation last year. In 2007, the net growth rate ranked first among similar funds, with a yield of 154.45%, and won the Golden Bull Award in 2007. The manager of the fund is Huaxia Fund Company, which was established in 1998. As the earliest fund company rooted in the local market, Huaxia Fund has ten years of valuable investment management experience and sustained and steady investment performance. By the end of June 5438+February, 2007, the company had managed assets of over 260 billion yuan, customers of over100000, and accumulated dividends of over 25.5 billion yuan, making it one of the largest fund companies in China with the largest number of customers and the richest dividends.
Galaxy revenue:
Galaxy income fund is a low-risk variety, which mainly focuses on bond investment and gives consideration to stock investment. Its stock investment ratio is controlled within 20%. The allocation of shareholding industries is relatively scattered, and it is adjusted in a timely manner with changes in market conditions. In different stages of the market, fund managers show strong stock selection ability. In 2006 and 2007, although the overall performance of the bond market was not as good as that of the stock market, the fund still achieved an annual income of more than 30%. Under the market shock in 2008, the Fund further adopted the operation strategy of lightening positions, effectively controlled the risk of net value decline, and showed strong resilience compared with partial stock funds.