It is recommended to make a fixed investment for at least three years, otherwise it is more likely to lose money. If the time is short, it is more appropriate to choose a fund with less risk, or to match a bond fund.
If the fixed investment takes a long time, or has strong anti-risk ability, and can bear a temporary loss of about 30%, Guo Fu Tianhui is good, and it is a stock fund with relatively large performance fluctuation. Similar outstanding stock funds include Guangfa Jurui, Harvest Service and Xingye Global Vision for reference.
At the same time, we recommend some established hybrid funds with excellent long-term performance, such as Bank of China China Select, Harvest Growth, Nuoan Flexible Allocation and TEDA Dividend Growth, which can be distributed. These funds have low risk and good long-term performance sustainability. If their ability to resist risks is poor (the loss is within 15%), they can be considered.
If you want to be conservative, for example, the loss is less than 5%, it is recommended to match with excellent bond funds, such as Guangfa Enhanced Bond, Yifangda Enhanced Bond and Southern Dolly. To balance risks, and the specific matching depends on your risk tolerance.
If you are not in a hurry to spend money, it is recommended to increase the fixed investment time, preferably more than 5 years. In addition, the timing of redemption is very important. It is wise to redeem some on rallies if the expected returns are achieved halfway.
Now the stock market is around 2 100, and the risk has been digested. This is a good time to vote.