There is absolutely no need to vote. Save it directly or buy a money fund, and get or annualized income of 3-4% is enough.
Contrary to your original intention, the monthly fund investment is around 100~200 yuan, and it is more important to invest in high-risk hybrid and equity funds. It's only one or two thousand yuan a year, and you can even consider a more radical strategy instead of spending one or two thousand yuan a month, so you should consider many factors. However, your fixed investment time is short, only 1-2 years, and you may not win or even lose money.
It is best to invest for 3-5 years, or a complete bull-bear cycle in the stock market, so that it is possible to achieve an average annual return of 8- 10%.
Because fixed investment itself is a way to spread risks, securities certainly have risks, but we must also correctly understand the risks.
Buying the same fund, the income and risk of fixed investment are less than one-time purchase in the same period.
This is the law of investment, and the expected return and risk should match.
Considering the rationality, it is best not to invest in bond funds, especially pure debt funds, because pure debt funds do not invest in the stock market.
The annualized income is generally 5-7%. After the fixed investment is leveled, it will be good to have 5%.
Poor performance is 3-4%, which is similar to saving money.
Moreover, it should be noted that the current bond market is in a bear market due to various factors, and 90% of bond funds have suffered losses in recent months. It is estimated that it will last until the fourth quarter. Especially now, the management is more determined to deleverage the bond market, which will suppress the income of bond funds in the medium and long term, that is, it will be difficult to see the annual income of bond funds of 8- 10% in recent years. If it were me, I would never invest in a bond fund.
At present, there are more than 80 companies in the fund, and Huaxia Fund is no longer the Huaxia Fund of the Wang Yawei era. After the equity dispute and personnel upheaval, the overall performance of Huaxia Fund has been reduced to second-rate, relying only on old capital, and the total size of the fund ranks first. Although China's return is not bad at home, there are still many funds that are stronger than him.
The code word is not easy, you can ask questions, and please adopt it if it is helpful.
Baidu knows that the fund ranks third in total, csdx7504.