First of all, let's understand what a fund is. Fund is a securities investment tool jointly funded by several investors and managed by professional institutions. You can make diversified investments in stocks, bonds and futures to spread risks and reduce investment risks. The rate of return in the fund is the income that investors get after buying the fund for a period of time. So, what is the normal rate of return on buying a fund?
Generally speaking, the fund's rate of return is not fixed and fluctuates greatly. Long-term investment, generally speaking, the rate of return is greater than the bank's deposit interest rate, in order to achieve the effect of "wealth appreciation." For stock funds, the "normal value" of the rate of return should be relatively high, because its investment target is stocks, and the rate of return will change accordingly with the fluctuation of market conditions. For bond funds, the yield is generally stable, because the investment target is bonds, and the yield mainly comes from the interest of bonds, not price fluctuations.
In addition, we also need to judge whether the rate of return is normal according to the risk tolerance of investors. The higher the risk tolerance, the greater the risk that can be taken, the higher the investment ratio of stock funds, and the higher the return rate may naturally be. People with low risk tolerance will pay more attention to the preservation of assets, the proportion of bond funds will be higher, and the yield will be correspondingly lower.
In addition to the above two aspects, we also need to pay attention to the timing of the fund. If the time to buy a fund happens to hit the market trough, the return rate of the fund will be correspondingly low, otherwise it may get a higher return rate. In addition, we also need to pay attention to the fund's rate and risk level. Fund management fee and sales service fee will directly affect investors' income, and the risk level is related to the fluctuation risk they can bear, so it needs to be considered comprehensively when choosing funds.
To sum up, the yield of buying funds is normal. If it is a long-term investment, you can take the bank interest rate as the bottom line. If it is a stock fund, the expected rate of return should be higher than the average level of the stock market in the same period. If it is a bond fund, the yield is relatively stable. In addition, investors' risk tolerance, fund purchase opportunity, rate and risk level need to be considered.