How much money you can earn by buying a fund depends on the rate of return of the fund, which is about 3% for money funds, 4%-5% for bond funds and 10% or even 100% for partial stock funds. Take the annualized rate of return of 4% in the current fund market as an example. 11The fund income that can be earned in one thousand years is about:1ten thousand * 4% = 400 yuan. There are many types of funds, such as money funds, stock funds and hybrid funds. Different funds have different rates of return and investment risks. When choosing to buy a fund, you should clearly know the rate of return and risk level. The higher the general rate of return, the greater the risk.

Extended data:

1. Fund is an indirect investment method. Through the fund manager's investment in stocks, bonds and other products, the risk and expected return of the fund are lower than those of direct investment in stocks, but higher than those of fixed-income products such as bank deposits.

2. Average expected rate of return on funds

If you buy a fund of 10,000 yuan, you can earn 1000 a month, that is, you can earn 12000 a year, which means that the expected annual rate of return of the fund has reached 120%. Although the expected return of the fund in the future is unpredictable, the expected return of the fund in the past can be used as a reference.

In 20 19, the average expected return of funds is 22.67%, including 39.69% for equity funds, 32.26% for hybrid funds and 33.47% for index funds.

Judging from the average expected rate of return, it is almost impossible to buy 10,000 funds and earn 1000 yuan a month, that is, the annualized expected rate of return reaches 1.20%.

3. The expected rate of return of a single fund

Among the active equity funds in 20 19, the top three expected returns are 12 1.69%, 1 10.37% and/kloc diversified emerging stocks. Therefore, judging from the expected return performance of a single fund, it is also possible to buy 10,000 funds and earn 1,000 yuan a month.

However, the past performance of the fund does not represent the future performance of the fund. The overall performance of the fund in 20 19 is better than that in 20 18, but this does not mean that this market will continue in 2020.

Operation skills:

1, see the market outlook before operation.

The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. Then decide whether to redeem or not, and make a choice on the timing. If it is a bull market, it can be held for a period of time to maximize the benefits. If it is a bear market, redeem it in advance and put it in the bag.

2. Switch to other products

Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as converting stock funds into money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest. Therefore, conversion is also an idea of redemption.

3. Regular fixed redemption

Like regular investment, regular fixed redemption can do daily cash management and stabilize market fluctuations. Fixed-term redemption is a redemption method of fixed-term investment.