There are many types of funds, and there are different categories according to different classification methods. According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds. So I wonder which funds have achieved steady growth? The following is a collection of 202 1 funds that can achieve stable growth _ who is suitable for the fund to vote? I hope I can help you.
202 1 Funds with steady growth
1 Investment funds only invest in money funds with medium and low risk levels, that is, government bonds, bond funds and money funds. This kind of risk is relatively low, and there is generally no principal risk. Although the annualized rate of return is low, it is still acceptable.
On the basis of investing in low-risk funds, some medium-risk bond funds can be added, such as funds with annualized returns and high fluctuations. Although there are risks, the risk coefficient is relatively low for finding funds with relatively stable years.
3 Comprehensive allocation of funds, comprehensive matching of low-risk, medium-risk, medium-risk and high-risk funds to achieve relatively stable growth as much as possible. That is, on the basis of the second method, increase equity funds. Equity funds can be divided into growth funds, value funds and balanced funds. The risk in growth funds is relatively high, while the risk coefficient of value funds is low. We can rationally allocate some equity funds with lower risks among the funds with higher risks. Although the risk coefficient has increased to a certain extent, the corresponding potential profitability has also increased a lot.
If investors expect the steady growth of investment funds, they should put down their extravagant hopes for excessive returns, adjust their income expectations and set their investment goals reasonably according to their own reality. Moreover, no matter how stable the fund is, there will be risks, so we must be cautious.
Who is suitable for the fund to vote?
1 savings office workers. Most contemporary office workers have low incomes. Apart from the basic living expenses, there is not much money left every month. And can skillfully use these small funds to invest, and the fund's fixed investment is the most appropriate way. Every little makes a mickle, so you don't need to prepare a large sum of money at the beginning. For office workers who don't like saving, fixed investment can be compulsory. While investing, I also saved money.
People who don't like adventure. The function of the fund's fixed investment itself is to reduce the risk, average the investment cost, avoid losing too much when the market plummets, and obtain long-term stable income. For investors who don't like taking risks and are afraid of big losses, fixed investment is a very good investment method.
3 people with weak investment knowledge and ability. The threshold of fixed investment of the fund is very low, which requires not only the fund, but also the knowledge and ability of investors. A person who has never been exposed to investment and financial management can get started quickly. There is no need to analyze news, market fluctuations and so on in the process of buying and selling.
Five skills to reduce blind redemption of fund investment
1 installment redemption method. Batch redemption mainly depends on the degree of investors' demand for funds. In the process of holding funds, investors may need to adjust their fund shares because of changes in their own economic situation, changes in their work and changes in their spending power to cope with such changes in living conditions. However, because it will affect the value-added ability of holding funds, investors can try to redeem them in batches to avoid missing the opportunity of fund growth.
2. Separation of principal and interest. Separation of principal and interest is a common way of fund operation, that is, the profits earned by investors' funds are distributed to investors in the form of dividends, or reinvested in the form of cash or dividends. This method is very beneficial for investors to obtain stable investment income.
Stop loss and take profit method. Investors should combine their own risk tolerance, financial objectives and other factors to set profit points and stop loss points. At the same time, in the face of ups and downs in the market, we must control our emotions and strengthen the ability of "patience and patience" in order to successfully achieve our financial goals.
4 fixed-point method. Fixed-point settlement is aimed at different fund products. For example, money funds can be redeemed at any time, while stock funds need to be combined with the securities market environment. When they reach a certain point, they can avoid risks by redeeming fund shares or converting fund shares, so as to avoid investment risks caused by excessive market rise and risk accumulation.
5. Specific exchange method. Different fund products have completely different investment operation styles and bring different investment risks. Especially in the face of frequent changes in fund managers, accelerated fund turnover, changes in fund dividend status and changes in fund investment strategy and operation nature, investors should pay more attention to these sensitive factors that affect the changes in fund net value and adjust fund shares.
Although fund investment should not be as short-term as stocks, it is also necessary to properly convert or adjust the portfolio. Because some risks are inevitable, such as cyclical risks, even star funds with excellent performance have to bear the risks of ups and downs with the industry boom and industry cycle. So investment still needs to be cautious.