However, it should be noted that when new funds generally have closed-end stocks to open positions, only the money fund is special, and the money fund stocks have a short time to open positions, usually within one week, so closed-end stocks cannot be sold when they open positions. In other words, there will be a one-week closure period, but the length of the closure period will be somewhat different due to the different situation of each monetary fund. Therefore, when you buy a money fund, you should carefully look at the rules of the money fund and see how it is stipulated. The stock fund standard shall prevail.
What are the effective investment methods for more than 60,000 yuan? There are many ways to invest more than 60 thousand yuan in financial management, and most of them are on the market at present, except for large deposits in banks. Because large deposits in banks actually require a minimum deposit of 200,000 yuan, different types of banks have different starting points, some need 300,000 yuan to start deposits, but at least they are all 200,000 yuan.
The scientific and reasonable investment method of 60,000 yuan is as follows: 1, fixed deposit period of the bank.
It is a conservative way to deposit 60,000 yuan in the bank on time, because the bank's time deposit is to protect the principal and interest, and the risk is not great. If you deposit 60,000 yuan in the bank on time, you can choose some banks with relatively high regular interest rates. Different banks have different regular interest rates. Generally speaking, small commercial service banks have higher regular interest rates. But some people are afraid that small commercial service banks are not safe. I don't think there is any need to worry about this. As long as it is your regular bank, the deposit term is protected by law. Even if the bank goes bankrupt, it will be compensated within 500 thousand. But if it exceeds 500,000, then the risk factor needs to be considered.
2. Financial management fund
The threshold of financial management funds is low, and many equity funds can subscribe for a dollar on Alipay. But we must understand that there are many kinds of stock funds, and the risks of different types of stock funds are different. For example, equity funds are very risky. Because the investment base of hybrid funds is a basket of stocks, the share of individual stocks is above 80%.
The risk of bond funds or money funds will be relatively small, because the basic investment prices of bond funds and money funds are mostly central bank bills and government bonds, commercial service bank documents, corporate bonds and so on. And the risk of such products is very small, so the risk of money funds and bond funds is relatively small. Risks and benefits are corresponding. If the risk is small, the expected return will be relatively small, and if the risk is large, the expected return will be relatively high.
3. Individual stocks
60,000 yuan can be invested in individual stocks, but it must be clear that the risk of individual stocks is very large. If you buy a stock with 60,000 yuan, once you lose money, your capital is likely to suffer a very big loss. If we diversify our investments and buy multiple stocks to hedge the trading risk, but the cost is rising and the funds are relatively small, it is difficult to rationally allocate 60,000 shares.
4. Investment in wealth management products
Generally speaking, investment and wealth management products mainly include bank investment and wealth management, brokerage wealth management and wealth management insurance. This kind of wealth management products have low risk and are stable. 60,000 yuan can also be used to buy wealth management. The general annualized rate is between 3% and 5%, mainly depending on the time period of purchase. The time period of securities companies and financial insurance is relatively short, and the time period of bank financing is relatively long.
There are bonds, such as China bonds and convertible bonds. There are also gold, real estate and so on, and you can choose to invest. It's just that different types of investment and financial management have different characteristics.
Which kind of investment has higher return? What kind of investment has the largest expected return? If we only look at the expected return without looking at the risk, the expected return of natural stocks will be much higher than other types of investment. But we should not only look at the expected return, but also fully consider the risk factors. The risk tolerance of 60 thousand yuan is relatively low, so we must invest without losing money. Relativity is more appropriate.
60,000 yuan can also be partitioned. 30,000 yuan can be deposited in the bank on time, 1 10,000 yuan can be used to buy funds, 1 10,000 yuan can be used to buy wealth management products, and 1 10,000 yuan can be used to buy stocks. This not only enhances the liquidity of funds, but also disperses the risk of investment. At the same time, the profit is also guaranteed, and half of it is saved on time.