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, so Bian Xiao specially brought you some funds worth buying. I hope you like them.

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.

Advantages and disadvantages of fixed investment and one-time purchase

1, fixed investment

Fund fixed investment is called lazy investment mode. Its advantage is that regular fixed investment will be carried out automatically according to the setting. When the market is in a downward trend, buying with the same amount at this time can gain more shares, reduce costs and spread risks.

The disadvantage is that the fixed investment can save the time of manual operation, but when the fixed investment is not available, the system will help you buy it as long as it reaches the time set by the system, no matter whether the trend of the day is up or down. For example, sometimes it will be fixed at a high level of rising and then fall the next day. In this way, due to the increase of the principal invested, the loss will also increase.

2. One-time purchase

The advantage of one-time purchase is that if the amount invested is large, you can earn more money when the fund rises. On the contrary, when the fund is in a sharp decline, if you can't lighten your position in time before the plunge, you will suffer heavy losses.

Selection of risk coefficient of fixed investment and one-time purchase

If it is a batch of fixed investment, objectively speaking, the risk coefficient of the fixed investment fund is relatively low, because there is a part of the funds in hand, and if it is urgent, it can be used.

On the contrary, if all the money on hand is invested at one time, the risk coefficient is relatively slightly higher. If it's only part of it and there's money in hand, that's fine. If you don't reserve an emergency fund and suddenly need money, you have to redeem the fund. If there is a positive return, then there is nothing. If the fund is in a state of floating loss when you need money badly, then redemption becomes a real loss when you need money badly.