Equity funds: among all fund types, equity funds have the highest expected annualized income. If the market is good, it can reach more than 20%, but there is also the possibility of loss. If the expected annualized income is 15%, then the expected income of buying 654.38+10,000 yuan a year is:10,000 *15% =10.5 million yuan.
What should I pay attention to when buying a fund?
Liquidity: Liquidity refers to the money you have in the fund, which can be redeemed at any time when needed. This is the liquidity of the fund. Many people think that buying funds means buying a large number of funds held or purchased by institutions, so they can get into the sedan chair of large institutions and enjoy the treatment of sitting in the sedan chair, but it is not.
Because the fund has invested most of the funds in the capital market, only a part of the funds are left to deal with the withdrawal of basic personnel. However, because large institutions are very sensitive to market trends and national policies, they will be redeemed at the slightest sign.
At this time, the fund loses its liquidity, and the retail investors can't pay it. The fund can only sell assets at a discount, and the income drops. More depositors withdraw cash and continue to sell, which is a vicious circle and may fall into crisis.
Security: security means that after considering the structure of fund investors, you can look at their investment objectives. Theoretically, the higher the return of fund investment target, the greater the risk. In particular, funds investing in the New Third Board should be extra careful.
Mainly consider the risk, return and liquidity of the investment target. Of course, according to the fund's previous investment income and payment records, we can also see whether it is safe.
Rate of return: if the fund invests in stocks, it mainly depends on the general environment of the stock market at that time. In a bull market, the returns are often higher than the investors themselves. If it is a money fund, consider the size of the fund. The average fund size is about 30 billion, which is the best. This quota can have enough voice, get better interest from banks and respond flexibly to market changes.
At present, there are three main channels to buy open-end funds:
Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.
Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.
Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation, South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, six etf funds.