What funds are worth buying recently? Many white people who are new to the concept of fund must be curious, right? After all, stable and profitable funds are the main reason for them to contact funds. Therefore, the fund brought by Bian Xiao for everyone is relatively safe. I hope you like it.
What funds are relatively safe?
Bond funds: Bond funds mainly invest in various bonds, including government bonds, corporate bonds and convertible bonds. Because the income of bonds is generally stable, the risk of bond funds is relatively low.
Money market funds: Money market funds invest in short-term bills, bank deposits and other money market instruments, usually with low risk and high liquidity. The main goal of the fund is to maintain the security and liquidity of the principal.
What misunderstandings should be avoided in operating funds?
Excessive pursuit of high returns: excessive pursuit of high returns may mean taking higher risks. Investors should rationally choose funds according to their own risk tolerance and investment objectives, and avoid blindly chasing high returns.
Short-term speculation and day trading: funds are long-term investment tools, and day trading may increase transaction costs and may prevent investors from fully enjoying the opportunities of long-term capital appreciation. Investors should make long-term investment plans according to their own conditions and avoid short-term speculation and intraday trading.
Ignore risk management: fund investment involves risks and risk management is very important. Fund managers should actively manage the risks of funds and take appropriate risk control measures to protect the interests of investors according to their investment strategies and risk tolerance.
Do not understand fund products and expenses: investors should carefully understand the investment strategy, expense structure and risk warning of fund products. A full understanding of fund products can help investors make more informed investment decisions.
Blindly follow the trend or listen to market rumors: investors should think independently and not blindly follow the trend or listen to market rumors. Fund investment should be based on in-depth research and understanding of the market and funds, and avoid blindly following others' operations.
The most worthwhile fund to buy
First, the guaranteed fund (goalkeeper)
This kind of fund pursues steady income, and accordingly, it only needs to bear the lowest risk!
Such funds include extremely risk-free money funds, low-risk interbank deposit certificates funds, pure debt funds, fixed income plus funds and so on.
Conservative: Choose interbank deposit receipt fund or pure debt fund.
Aggressive: Because Angkor's judgment is that the overall market will be better in 2023 than in 2022, such funds can be relatively radical when choosing, and choose appropriate fixed income+funds.
B, defensive fund (defender)
This kind of fund takes safety as the primary consideration, such as paying attention to the withdrawal of the fund, and the investment direction of the fund belongs to the direction of low valuation and high growth.
The ability to control retreat has always been Angkor's primary goal in choosing a stable happiness fund, so a stable happiness fund will also be a good choice for this kind of fund.
Low valuation index funds will also be an important choice of this kind!
Stable happiness is a fund that balances positions, not a fund that focuses on one or several industries, so it will not be greatly affected by large fluctuations in a single industry.
Choosing broad-based index as the index fund channel can also avoid the fluctuation of a single industry to a great extent.
Conservative: Choose pure debt funds or broad-based index funds (CSI 300, CSI 500, etc.). Dow).
Aggressive: Choose a stable happiness fund or a relatively radical index fund (Kechuang 50, Shuangchuang 50, NASDAQ 100).
One-time purchase and fixed investment of funds
One-time purchase generally means that investors invest a large sum of money to buy funds at one time. The investment threshold is relatively high, but the characteristics of high income and high risk are also prominent. The advantage of one-time buying is that you can invest a certain amount of money at one time, concentrate on investment, reduce investment costs and transaction costs, and get investment income quickly. But the disadvantage is that if the buying time is not good, you may miss the best investment opportunity, resulting in low returns. At the same time, due to the large purchase volume, the fluctuation of some fund products may also lead investors to face relatively high risks.
Fixed investment of the fund refers to the way of fixed investment of the fund on a regular basis. Investors don't need to invest a large sum of money at one time, and both the amount of money and the threshold are more suitable for ordinary investors, with lower risk. In the process of fixed investment, investors can choose stock funds or new funds according to their actual situation, and at the same time, they can achieve the effect of average buying, and can also digest market fluctuations and risks in a timely and effective manner. At the same time, in the process of fixed investment, with the continuous investment of funds, we can realize equal regular investment, enhance the value of accumulated assets and earn higher returns.
What is the difference between a fixed investment fund and a one-time investment fund?
Fixed investment means: select the fund to be purchased, set the amount, date and debit account to be invested in each period, and at the specified time, the system will initiate the purchase operation without doing it yourself every time. You just need to leave the funds in the debit account.
For one-time purchase, there is no need to set the time and amount, that is, all the money you want to buy the fund is invested.