Question 1: The freight-based returns are floating, and most of the freight-based returns are not as good as 1 year time deposits. The benchmark comparison object of cargo base is the 7-day notice deposit interest rate, not the 1 year fixed deposit interest rate. The significance of buying goods base lies in: good liquidity+higher than deposit interest rate.

Question 2: It is not suitable to make stock-based fixed investment now, because it is still in a bear market. Funds with stable long-term returns are not recommended for the time being, until the bear market transitions to the bull market.

Question 3: The debt base will lose money, but the probability is very small. The main position of the debt base is bonds, and the part that buys bonds will not lose money; However, the debt base can buy a small number of stocks, and the part that buys stocks may lose money. But even if the loss is small, the debt base will definitely be profitable in the long run. I think Harvest bond is better, 070005.

Question 4: The fund subscription price is the net value announced by the fund company every night. For example, if you purchase before 3 pm on September 15, then your purchase date is September 15, and you will trade according to the net value announced on the evening of September 15; If you buy it after 3 pm on September 15, then your buying date is September 16, and trade according to the net value announced on the evening of September 16.

Welcome questions!

Good luck with your financial management! Congratulations on getting rich!