We ordinary people can't predict the stock market, so we choose the right fund and give it to the fund company for operation. I am firmly optimistic about the China stock market, and I should buy stock funds to maximize my income.
Of course, it also depends on your risk tolerance. If you are under 30 years old, it is the best choice to buy stock funds on dips and hold them for a long time.
If there is enough time, citizens with investment ideas can choose to hoard goods, but for office workers who have no time to pay close attention to market trends, it is more appropriate to buy funds for financial management. In this year's stock market turmoil, the average increase of the fund reached 50%, which should be said that the income is still considerable.
The handling fee for buying stocks is 0.3%, with a minimum of 0.6% and a maximum of 1.5%. Zhang said that the handling fee for buying funds is higher than that for buying stocks, and frequent trading will cost more. Therefore, she suggested holding the funds for a long time after buying them, and choosing a long-term fixed investment when the stock market fluctuates, so as to reduce the investment cost and accumulate compound interest income.
How to choose large and small fund companies and various funds when buying? Zhang suggested observing the stock market first. When the stock market continues to rise, we can buy index funds and old funds and enjoy more benefits. In the case of stock market fluctuation, it is recommended to buy active funds and new funds. The position of the new fund is not full, and the decline is small, which can avoid some risks. Closed-end funds are only sold in the stock market, which is suitable for investors to buy, while open-end funds are sold in banks, which ordinary citizens can buy. In addition, the performance of bond funds this year is not very good, the development is very slow, the income is not very good, and fewer people buy it.