Risk and return are directly proportional

If you want high returns, you can buy stocks or funds.

It is recommended to buy some personal insurance and save some money for emergencies. The remaining funds are fixed investment by selling and buying funds. Funds are experts who help you manage your finances. The minimum starting capital of a fund is 1,000 yuan, and a fixed investment starts from 200 yuan

You can buy a fund from a bank or a fund company. Banks can act as agents for the business of many fund companies. For specific account opening, go to the bank's financial management counter. Nowadays, some securities companies also provide agency funds for trading.

First understand yourself, whether you want high risk and high return or prudent capital preservation and return. The former one buys stock funds, and the latter one buys bond or currency funds. After the fund type is determined, the fund selection can be based on fund performance, fund manager, fund size, fund investment direction preference, fund charging standards, etc. Fund performance is ranked online. It is best to choose back-end payment for fixed investment.

Generally speaking, there are two investment methods for open-end funds, single investment and regular fixed amount. The so-called "fixed additional investment" of funds means that investors invest a fixed amount (such as 1,000 yuan) into a designated open-end fund at a fixed time every month (such as the 10th of each month), similar to a bank's small deposit withdrawal. Way. Because the fund's "fixed investment" has a low starting point and a simple method, it is also called a "small investment plan" or "lazy man's financial management."

The fund's regular fixed-amount investment has characteristics similar to long-term savings. It can accumulate a small amount into a large amount, spread the investment cost equally, and reduce the overall risk. It has the function of automatically increasing the amount on dips and reducing the amount on highs. No matter how the market price changes, it can always obtain a relatively low average cost. Therefore, regular fixed-amount investment can smooth out the peaks and troughs of the fund's net value and eliminate market volatility. As long as the selected fund has overall growth, investors will receive a relatively average return and no longer have to worry about the timing of entering the market.

Banks all implement the interest rates uniformly set by the People's Bank of China. The interest rates are the same regardless of which bank you deposit. The longer the term, the higher the interest, and early termination reduces the interest. If it is possible to use part of the funds in advance and you want high interest, you may wish to deposit in batches: for example, deposit a sum of money every month for a year, and you will have money to withdraw every month after one year, and the interest is regular for a year. It is higher than rounding off the odd deposit. So on and so forth.