What funds are worth buying recently? Many white people who are new to the concept of fund must be curious, right? After all, stable and profitable funds are the main reason for them to contact funds. Therefore, what kind of fund Bian Xiao specially brought to you is more valuable, and I hope you like it.
What types of funds are relatively hedged?
In terms of hedging, bond funds and money market funds are relatively hedged because they invest in relatively stable and low-risk bonds and money market instruments.
Bond funds mainly invest in various bonds, such as government bonds and corporate bonds. Because the risk of bonds is lower than that of stocks, the value fluctuation of bond funds is usually small and the value preservation is strong.
Money market funds mainly invest in short-term financial instruments, such as deposits, short-term bonds and government bonds. Because these financial instruments have high liquidity, low risk and relatively stable returns, money market funds generally have strong hedging ability.
However, it is worth noting that although bond funds and money market funds are relatively safe, they still have certain risks compared with risk-free investments such as deposits. Investors should understand the risk level and historical performance of the fund and make choices according to their risk tolerance and investment objectives.
How many types of funds are there?
The types of funds can basically be divided into the following categories:
Equity funds: mainly invest in the stock market, with the goal of pursuing long-term capital appreciation.
Bond fund: mainly invests in various bonds, aiming at obtaining stable fixed income.
Hybrid fund: investing in stocks, bonds and other asset classes at the same time, with the goal of diversifying risks and increasing value for a long time.
Money market funds: mainly invest in short-term, low-risk financial instruments, with the purpose of maintaining liquidity and maintaining and increasing value.
Index fund: invest according to a specific index and track market performance.
In addition to the above main types, there are some special types of funds, such as real estate funds, industrial funds and overseas funds. , invest in a specific asset class or field.
The most worthwhile fund to buy
First, the guaranteed fund (goalkeeper)
This kind of fund pursues steady income, and accordingly, it only needs to bear the lowest risk!
Such funds include extremely risk-free money funds, low-risk interbank deposit certificates funds, pure debt funds, fixed income plus funds and so on.
Conservative: Choose interbank deposit receipt fund or pure debt fund.
Aggressive: Because Angkor's judgment is that the overall market will be better in 2023 than in 2022, such funds can be relatively radical when choosing, and choose appropriate fixed income+funds.
B, defensive fund (defender)
This kind of fund takes safety as the primary consideration, such as paying attention to the withdrawal of the fund, and the investment direction of the fund belongs to the direction of low valuation and high growth.
The ability to control retreat has always been Angkor's primary goal in choosing a stable happiness fund, so a stable happiness fund will also be a good choice for this kind of fund.
Low valuation index funds will also be an important choice of this kind!
Stable happiness is a fund that balances positions, not a fund that focuses on one or several industries, so it will not be greatly affected by large fluctuations in a single industry.
Choosing broad-based index as the index fund channel can also avoid the fluctuation of a single industry to a great extent.
Conservative: Choose pure debt funds or broad-based index funds (CSI 300, CSI 500, etc.). Dow).
Aggressive: Choose a stable happiness fund or a relatively radical index fund (Kechuang 50, Shuangchuang 50, NASDAQ 100).
One-time purchase and fixed investment of funds
One-time purchase generally means that investors invest a large sum of money to buy funds at one time. The investment threshold is relatively high, but the characteristics of high income and high risk are also prominent. The advantage of one-time buying is that you can invest a certain amount of money at one time, concentrate on investment, reduce investment costs and transaction costs, and get investment income quickly. But the disadvantage is that if the buying time is not good, you may miss the best investment opportunity, resulting in low returns. At the same time, due to the large purchase volume, the fluctuation of some fund products may also lead investors to face relatively high risks.
Fixed investment of the fund refers to the way of fixed investment of the fund on a regular basis. Investors don't need to invest a large sum of money at one time, and both the amount of money and the threshold are more suitable for ordinary investors, with lower risk. In the process of fixed investment, investors can choose stock funds or new funds according to their actual situation, and at the same time, they can achieve the effect of average buying, and can also digest market fluctuations and risks in a timely and effective manner. At the same time, in the process of fixed investment, with the continuous investment of funds, we can realize equal regular investment, enhance the value of accumulated assets and earn higher returns.
What is the difference between a fixed investment fund and a one-time investment fund?
Fixed investment means: select the fund to be purchased, set the amount, date and debit account to be invested in each period, and at the specified time, the system will initiate the purchase operation without doing it yourself every time. You just need to leave the funds in the debit account.
For one-time purchase, there is no need to set the time and amount, that is, all the money you want to buy the fund is invested.