When buying funds, people will pay more attention to relatively stable funds. The fund fluctuates greatly, and the risks and returns are relatively large. So what funds are relatively stable? The following small series brings stable fund income, I hope you like it.
What fund to buy has a relatively stable income?
Generally speaking, the income of money funds and pure debt funds is relatively stable.
The main investment directions of the money fund are cash, bank deposits with a maturity of less than 1 year (including 1 year), bond repurchase, central bank bills, interbank deposit certificates, bonds with a remaining maturity of less than 397 days (including 397 days), debt financing instruments of non-financial enterprises, asset-backed securities, etc. Therefore, from the investment direction, there is basically no investment risk, which is relatively high.
Therefore, the fluctuation of the money fund is relatively small and the income is relatively stable. When choosing a money fund, you can check the past income. Most cases are positive returns, but the returns will not be very high.
Pure debt funds invest 100% in bonds, and the investment direction of bonds is less risky, so the income is relatively stable, but compared with money funds, the fluctuation is slightly larger, but overall it is relatively stable. Money funds and pure debt funds have never invested in the stock market, so the risk is relatively small and the income is relatively stable.
What kind of investors are suitable for funds with relatively stable returns?
Funds with relatively stable returns are suitable for conservative investors and have relatively low risk tolerance. They just want to keep the principal. If they have relatively stable investment income, they can consider holding the fund for a long time, because the fund with relatively stable income will not fluctuate greatly, which means that the income will not be very high, but if they hold it for a long time and accumulate it slowly, they will earn more and more.
However, it should be noted that funds with relatively stable returns are also risky, that is, there is the possibility of losses. After purchase, you need to pay attention to the dynamics of the fund occasionally, basically once a day. If the fund market is not good, we should also take out the fund stop loss in time.
Then, if investors can't take any risks and don't want to lose a penny, they can only consider time deposits. At present, only time deposits can protect the principal and interest, and there will be no loss.
What are the skills for stocks to do band?
First, grasp the rhythm and intervene on dips. Only the stocks whose main trends are upward and in the upward channel are selected for band operation, and the stocks whose important trends are obviously in the downward channel are ignored to take risks. The best choice to buy stocks is to intervene as soon as the main trend is good and the inflection point of the middle upward trend just appears, and sell as soon as the main trend is blocked.
Second, pay attention to rotation and select stocks. Investors only buy and hold stocks that have just started at the bottom and just left the bottom area. Stocks whose share price doubles in a short period of time should not participate in principle. The main force of the stock will only start to rise sharply after it is fully pulled up and washed, so investors should never participate in uncertain stocks that have just begun to adjust.
Third, enough is enough and sell on rallies. The so-called stock band is the difference between the high price and low price of a stock in a certain period of time. Whether it is a bull market or a bear market, the stock market has such opportunities. But market opportunities are always provided to investors who are quick-witted and correct in judgment. These people are good at grasping bands. When the stock market has not released the upward stocks continuously, it is a rational choice to sell against the top.