Another example is the money fund, which mainly invests in the money market, such as deposits, certificates of deposit, short-term bonds and central bank bills. And the fund income is determined by these goals.
1. Investment and wealth management products refer to bonds, bank time deposits, credit cards, stock investments, insurance wealth management, etc. Which products are most suitable for monetary, bond and equity funds?
Second, the investment portfolio:
1. Monetary fund+bank credit card.
This kind of financial management allows consumers to get an interest-free period for a certain period of time when they overdraw their credit cards, usually 20 -60 days. Since there is no annual fee for credit cards at present, or the annual fee can be waived only by swiping the card several times a year, consumers can use these overdraft limits for free during the interest-free period.
2. Monetary fund+stock investment.
This financial portfolio is a classic combination of capital preservation assets and risk assets. By the end of June, 2005, the size of the Monetary Fund had reached180.3 billion yuan, accounting for about half of the total fund. The subscription of two low-risk short-term debt funds is very hot, which are 4.58 billion and 65.438+0. 1.4 1 100 million respectively. Low-risk money funds or short-term debt funds have become the first choice for investors to invest in capital preservation assets.
Financial experts believe that in conservative asset allocation, the well-known "28 principle" in the financial market can be applied to stock investment and money fund portfolio management, with 20% of assets invested in stocks and 80% invested in money funds or short-term bonds. In case of stock investment loss, it can also be made up by the stable income of low-risk funds.
3. Equity funds+book-entry treasury bonds.
This kind of wealth management portfolio is an ordinary stock fund portfolio with a slightly higher risk tolerance. Careful selection of excellent stock funds and book-entry treasury bonds investment can not only avoid the risks brought by some stock funds investment, but also be more flexible in liquidity.
Financial experts suggest that due to the different investment strategies of stock funds, the investment returns and risks between funds are also very different, and investors should focus on fund companies and specific funds.