If you don't need a fixed investment, you can click to hold the fund to enter, and then click to terminate. The fixed investment of the fund is actually a lazy financial management method with a fixed time and quota, because investors can't accurately judge whether the fund belongs to a high point or a low point when purchasing the fund. Using the fixed investment of the fund can distribute the share evenly and reduce the risk.
However, we should pay attention to choosing a good fund to hold for a long time when the fund is scheduled to vote. If the selected fund is not good, the fund will always fall like a bottomless pit, and how much will be earned, then it is not recommended to invest in the fund, and the fund may lose more and more, so the fund will also look at the fund situation.
There are many types of funds on Alipay, including low-risk monetary funds and wealth management funds, as well as high-risk stock funds and hybrid funds. For beginners, the most important thing is to choose according to their risk tolerance. Here are three situations for your reference:
First, I have spare money, I can afford it, and I want to earn more.
If you don't plan to spend money in the short term and have certain risk tolerance, you can choose stock funds or hybrid funds to pursue higher expected returns.
However, starting with these funds, it is best not to start with heavy positions, at least to judge the hot and cold market first, and then enter the market when the market is low. If you want to make money through stock funds, the key is to be able to bear large losses for a long time and not to cut meat and sell it easily. By means of fixed investment, the cost of holding positions will be reduced until the bull market comes.
Second, you have savings in your hand, earn some expected income, and don't lose too much.
Have a certain amount of savings in hand, which may be used for marriage, car purchase, house purchase and travel. Then, the money can be invested in bond funds. Although bond funds may also lose money, the loss range is not large and the fluctuation is very small. On the whole, the market interest rate continued to decrease and the bond price rose. 20 19 bond market is expected to be good, and investing in bond funds can earn some stable expected returns.
Third, pursue the preservation of assets and earn stable expected returns.
If the risk tolerance is not high, you can choose a low-risk financial fund or money fund, and the expected rate of return is between 3% and 4%. Secondly, short-term debt funds are also better. Its expected return and risk are slightly higher than that of the money fund, and its performance is relatively good. The annualized expected return is around 5% to 8%.