So, what you should do now: 1, make clear your risk tolerance and expected investment time; 2. After selecting the fund type, select the fund in detail.
I analyzed two of them to see if they fit your investment style.
5 19690 Bank of Communications is stable
"The Fund will adhere to and continuously deepen the basic concept of value investment, flexibly allocate assets from top to bottom, select securities from bottom to top, effectively spread risks and seek to achieve long-term stable growth of fund assets. Stock assets account for 35%-95% of the fund's net asset value; Bonds account for 0%-60%. The third quarterly report in 2009 showed that stock investment accounted for 87.04% and bond investment accounted for 5.83%. " -The investment ratio shows that the Fund is still a high-risk fund, which is suitable for investors with strong risk tolerance. At the same time, "seeking to realize the long-term stable growth of fund property" shows that it is concerned about the long-term capital appreciation of the fund and mainly invests in stocks with good growth.
Fund managers-two fund managers were just replaced in August 2009, and their investment ability needs further investigation.
Fees-front-end subscription fee is 65,438+0.5%, fund management fee is 65,438+0.50%, and fund custody fee is 0.25% (there is a discount for direct sales of fund companies' websites). Generally speaking, the investment cost is moderate.
Performance-Since this year (as of 09/ 1 1/05), the yield is (78.24%)& gt；; The return rate of similar funds (65.47%). It shows that the returns of most of these funds this year are around 65.47%, and the average level of this fund is relatively high, with 220 stock funds, ranking 47th and first. The one-year return ranks 58th among 2 14 equity funds, and the two-year return ranks 1 1 among 176 similar funds.
Generally speaking, the performance has been relatively stable, belonging to the first echelon of equity funds and worth investing.
16 1604 Rongtong Shenzhen Stock Exchange 100
"Rongtong Shenzhen Stock Exchange 100 Index Fund adopts the index investment method, and strives to achieve effective tracking of Shenzhen Stock Exchange 100 Index by controlling the tracking error between the stock portfolio and Shenzhen Stock Exchange 100 Index. The Fund conducts stock indexation investment on the constituent stocks of Shenzhen Stock Exchange 100 index with more than 90% of the non-bond assets of the Fund. The stock indexed investment part is not less than 50% of the fund assets, and the daily tracking error relative to the Shenzhen Stock Exchange 100 index is not more than 0.5%. " -This investment model makes this fund aggressive not only in the financing department, but also in all fund types. But I want to remind you that you have to take high risks while enjoying high returns, so you'd better know whether you have high risk tolerance before making a choice.
Performance benchmark: Shenzhen Stock Exchange 100 index yield ×95%+ interbank deposit rate ×5%.
Fee-subscription fee: 1.5% (no online discount for the time being); Management fee:1.0%; Custody fee: 0.2%. Redemption fee: 1 year 0.3%, 1-3 years 0.15%; Free for more than 3 years. Generally speaking, the investment cost is high.
Performance-Since this year (as of 09/1/06), the yield is (95.71%) > The return rate of similar funds (66.00%). It shows that the yield of most of these funds this year is around 66.00%, which is much higher than the average level. There are 220 similar funds, ranking seventh and first. One-year income ranked fifth among 2 14 similar funds, 102 among 176 similar funds in two years, and 35th among 1 12 equity funds in three years.
It should be noted that because the fund is an index fund, it is the stock fund that is most affected by the stock market. In the process of stock market recovery since 2009, compared with other stock funds, the index has such performance. However, in the stock market decline from the end of 2007 to the beginning of 2009, it was naturally greatly affected, resulting in the poor performance of "two-year return ranked in 102 among 76 similar funds". Therefore, Rongtong Shenzhen Stock Exchange 100 should also be compared with other index funds.
Generally speaking, Rongtong SZSE 100 is among the best among all index funds, mainly because the current trend of SZSE 100 index stocks is better than other index stocks, so the performance of Rongtong SZSE 100 index in index funds is very outstanding.