Funds are also divided into risk levels. Because of its relatively low volatility and stable price, low-risk funds are very suitable for risk-averse investors who pursue the safety of principal, so the probability of principal loss is also very small. Among all kinds of funds, money funds and bond funds belong to low-risk category.
Generally speaking, the investment targets of such funds are high-credit products such as monetary instruments, bank deposits and interbank deposit certificates. , will not fluctuate with market fluctuations. At the same time, the probability of default is very small, so you can achieve a basically stable fixed income. Its expected rate of return is higher than that of bank deposits, basically in the range of 3%-5%.
2. Choose a fixed investment fund that is not good at research and management.
Fixed investment fund is the so-called lazy fund. It is more suitable for investors who are not good at studying and judging the timing of purchase and redemption in their spare time without fund management. This kind of fund is called "fixed investment" because it is purchased within a fixed period and amount. Moreover, this process is also completed automatically, that is, funds are automatically transferred out of the investor's associated account. Therefore, investors do not need to judge the timing of buying. In addition, because it is a segmented investment, it can also spread risks to a certain extent, and the investment cost is relatively small.
3. There may be short-term capital demand in the short term.
In fact, funds have various closed cycles. For those investors who want more flexible funds, they should choose funds with free subscription and redemption or short closed cycle. Monetary fund is a flexible fund for subscription and redemption, but its expected rate of return is not too high. Therefore, if you want a higher rate of return, you can choose short-term funds. For example, some insurance funds are closed for 28 days to 90 days, and the expected rate of return can be about 1%-2% higher than that of ordinary money funds. After each investment expires, it can be renewed. Therefore, it is more flexible and can get more benefits.
4. Those who pursue high returns can choose hybrid funds.
Hybrid funds generally invest in stocks and bonds, and the proportion of stocks is generally large. Because the stock market will fluctuate greatly, the fund will also fluctuate greatly, so its risk value is also high. But its expected rate of return can also be very high, possibly reaching 10% or even exceeding 10%. Therefore, if investors are willing to take certain risks and the most important goal is high returns, then they can try to choose this kind of hybrid fund.
Generally speaking, there is 10000 principal in hand. When choosing a fund for investment and financial management, it mainly depends on investors' own financial preferences and the demand for capital flexibility.