How do novices choose fixed investment products from funds?
What is a fund?
Fund is a tool suitable for public investment. Investment funds don't need deep knowledge and rich operating experience, and they will be a good choice for those who are not very good at investing.
The more customers a fund company has, the greater the amount of money it can manage on behalf of customers, and the greater the income, the better the economic benefits. When the fund is profitable and enjoys the expected annualized expected income, the company and customers have the best of both worlds and are happy. In the case of fund losses, it is necessary to bear risks.
How much can I buy a fund?
The entry barrier for fund investment is low, and the initial investment amount ranges from 10 yuan to 1000 yuan depending on the funds sold by different institutions. In addition, private equity institutions have a higher threshold for investors, and the initial investment amount needs 1 ten thousand yuan. Investors can choose funds according to their own risk-taking ability, and novices can choose money funds or bond funds with better expected annualized expected returns to test the water and make a fixed investment.
Fund risk classification:
There are seven types of high-risk funds: standard stock funds, common stock funds, standard index funds, enhanced index funds, partial stock funds, flexible allocation funds and stock-debt balance funds.
Funds classified as medium risk include: partial debt funds and ordinary bond funds (Grade II) ***2.
Funds classified into low-risk categories are: long-term standard bond funds, short-term standard bond funds, ordinary bond funds (Grade I), principal guaranteed fund, money market funds (Grade A) and money market funds (Grade B) ***6.