In addition, there are management fees and custody fees of investment funds, which are converted into daily withdrawals from fund assets by fund companies according to the annual rates of 1.5% and 0.25% (stock funds, index funds are better). The net value of the fund announced by the fund company every day is the net value after deducting these two expenses, and the fund company mainly makes money by these two expenses.
Fund redemption is very convenient, just through online banking, usually within 5 trading days. The redemption rate is 0.5%, but most fund companies stipulate that the redemption fee for holding for 2 or 3 years is 0.
There are Morningstar Fund Network and Tian Tian Fund Network in the fund inquiry websites.
How to choose the fixed investment of the fund;
If the planned fixed investment period is short, choose hybrid and bond funds; If the fixed investment period is long, such as 10 year, 20 years, 30 years, etc. , you can choose stock funds and index funds.
First of all, fund investment focuses on the long-term, relying on the principle of compound interest and value-added to expand your income. Secondly, according to your situation, in order to strengthen the study and mastery of the fund, it is not recommended to put all the RMB in at one time. In case the market suddenly goes bad, it will also affect your mood of losing money. So your choice is correct. Fixed investment can better spread risks. Finally, the question of what fund to buy. If you want to invest for more than 10 years, and look to the future, you might as well increase the investment proportion of equity funds (provided that you have confidence in China's economic future, of course). The major banks support many funds. I mainly provide you with a few for reference from the perspective of back-end charging.
Index funds: Rongtong Shenzhen Stock Exchange 100, Dacheng CSI 300.
Equity funds: SDIC innovation and Bo Shi franchise.
Hybrid funds: Guo Futian Rui and Bank of Communications performed steadily.
Bond funds: SDIC Ronghua and Guo Fu Tian Li.
All the above funds are back-end funds, and the minimum amount is 100 yuan. While studying, you can invest at least 100 yuan every day, which is suitable for cultivating your investment interest. For example, you can follow the trend of the stock market every day. If it falls that day, you can invest in these fund varieties at a minimum of 100 yuan. Your thousands of dollars are enough. Don't worry about making money now. It is better to familiarize yourself with the market environment and your risk tolerance first, that is, are you afraid when the market plummets? Sometimes you will ignore the risk when the market rises.
Please see the following for questions about why the back-end fee fund is needed and how to allocate it:
Thomas gage: Recommended Fund Anshun and Fund Xinghua.
Reason: Morningstar website ranks in the forefront; The income and risk indicators are also good; The manager is responsible for stability, especially Anshun. Shang Zhimin, the manager, has been here from the beginning, and another Hua 'an Manulife he is in charge of is also excellent and worth having. The companies where the two funds are located, Huaan and Huaxia, have strong investment scale and research strength, and are among the top ten in the industry; The two foundations expire in 20 14 years, and now they start a small cycle of 5 years, both of which have a certain discount rate, making more money than losing money.
Fixed investment: It is enough to recommend five, namely Dacheng CSI 300, Rongtong SZSE 100, Huaan Manulife and SDIC UBS Innovation Power. If you must choose five smart people, then choose one from Golden Eagle SMEs and Xingye Social Responsibility.
Reason:
1, the choice of fixed investment is definitely for long-term investment, so the fund with back-end fees is definitely the first choice, and the first four are all.
2. Why do you want to achieve the Shanghai and Shenzhen 300 and Rongtong Shenzhen Stock Exchange 100? In the long-term fixed investment fund, index fund is essential, because the active fund is replaced by N managers in a short time, and the management ability of each manager is very different, which makes the performance of the fund not guaranteed. And in the long run, most active funds can't outrun passive index funds. At present, China's economy is in the primary stage of being poached by big countries. Rongtong Shenzhen Stock Exchange 100 is more flexible than Shanghai and Shenzhen Stock Exchange 300, and the two companies can vote in turn. The proportion of the total fixed investment of the two companies should not be less than 50% of the total fixed investment, which is a guarantee for the future, and the other 50% should be put in active funds to obtain possible excess returns.
3. Huaan Manulife and SDIC innovation are also good varieties for fixed investment. Manulife back-end fees are free for 5 years, and SDIC innovation is free for 3 years, which is shorter than other terms. The market generally believes that 3-5 years is an investment cycle, which is suitable for making certain adjustments to assets after reaching the free period, such as redemption. In addition, the two funds themselves performed well.
3. If you still want short-term speculative arbitrage, add Golden Eagle's small and medium-sized stocks and Societe Generale, with good performance, or buy ETF and LOF directly. Anyway, I insist on the long-term fixed investment fund with back-end fees. There are too many long-term uncertainties in the actively managed fund. It is better to save more money to convert shares, and I don't agree to put all the funds on the active fund, unless you have found that a current fund manager is the future Buffett, so as to ensure that he will not give up halfway before you and will not be a flash in the pan.
4, Morningstar website to see the ranking.
In the world, it is my understanding of fund investment. I wish you a rich source of investment and financial management.