Money funds generally have no subscription and redemption fees, and the income is equivalent to deposits from six months to one year, which can be redeemed at any time. The risk is minimal, which is more suitable for conservative investors. Suppose there is 100000 yuan, with an annualized income of 2%, and the money earned by buying money funds is also considerable. The calculated result is: 100000 * 2% = 20000.
However, hybrid funds, index funds, stock funds and other types have greater risks and higher returns, and there are redemption fees for subscription. The redemption fee is generally related to the holding time. The longer you hold it, the cheaper the redemption fee will be. Some of them do not need redemption fees for more than two years, which is more suitable for radical investors.
Suppose investors invest in a good stock fund and buy 100000 yuan, which has increased by 100% in the past year, then the income doubles, and finally there is 200,000 yuan, which is equivalent to earning 100000 yuan. But if you choose a good fund and hold it for a long time, it will generally increase by 65438 yuan.
However, if it is a loss, it may be around 30%~40%, so suppose that investors invest in a stock fund with poor returns and buy 100000 yuan, which has dropped by 30% in the past year, then the income is 30000 yuan.
Therefore, investors should know their tolerance range when buying funds. If they can't take great risks and care about liquidity, then they can consider money funds or pure debt funds, because the underlying risk of money fund investment is extremely low. For example, Yu 'ebao and Bitong are both a kind of money funds, and the money funds they dock have not lost money so far.
And pure bond funds, basically the risk is very small. If 100% invests in bonds, the income is relatively stable, and the income and risk are a little higher than that of the money fund. Although both of them are not guaranteed capital and interest, there are certain risks, but the risks are minimal.
If you are a conservative investor, you can also allocate funds in a decentralized manner. For example, you can buy 50,000 money funds and 50,000 pure debt funds, so the income will be slightly higher than all money funds. It is also good to combine income and risk and allocate two types of funds.
However, if we want to pursue income orientation, we can actually allocate funds reasonably and maximize income. For example, you can leave a working capital of 20,000 yuan to buy a money fund, and the remaining 80,000 yuan is divided into two parts, one is 40,000 yuan to buy a hybrid fund, and the other is to buy a stock fund. There is a trick when buying, that is, don't buy it at once.
After you are optimistic about the fund, you can choose to buy it in batches when the fund falls. For example, you can buy it once if you drop five points, and you can buy it again if you drop five points. You can also adopt the method of fixed investment in the fund, which can effectively spread the risk of the fund, because you don't know when it is high or low when you buy the fund, so you can buy it like this to spread the risk.