If you want to have a big return, you must have high risks. Just invest 70% of your money in stock funds, 20% in bond funds and 65,438+00% in money funds or short-term bond funds. The risk is from high to low.
We are paying attention to banks. In fact, no matter which bank's fund has the same code name, it is the same. We can compare it with other banks. I suggest you go to Industrial Bank. Most of their funds have preferential subscription policies. The general subscription fee of 1.5% is 0.6%.
Equity funds have high risks and high returns, followed by hybrid funds, bond funds and monetary funds. You can choose several types of funds according to your own situation. Most of the money you don't use for a few years will be held in stock funds for a long time, and a small part will be held in bond funds for a long time. 1 or 2 months will be used to buy monetary funds (equivalent to using a current account to get regular income without paying taxes).
Recommended stock funds: Huaxia Market Select (0000 1 1), Upper Investment Advantage (3750 10), Guangfa Small-cap Growth (162703), Great Wall Jiutai (200002) (I will definitely invest in this backend 20/). If you want to hold it for a long time, I suggest you buy a back-end fund, so that you can avoid the subscription and redemption costs in a few years. I suggest buying a fund instead of selling it at a high price and buying it at a low price like a stock. Long-term holding costs more than short-term holding. Since I bought my first fund (except the money fund), I haven't redeemed it once.
Recommended bond funds: Changsheng Bond Back-end (5 1 1080) and Yinhe UnionPay Income Front (151002); After the earnings of Galaxy UnionPay (15 1 102), Harvest Bond (07000)
Monetary Fund: South Cash Increase (20230 1) has no subscription and redemption fee.
It is suggested to invest 300~ 1000 yuan of stock-based back-end funds every month and hold them for a long time.
Or come to my space and have a look:
/bj_wen/