So, what you should do now: 1, make clear your risk tolerance and expected investment time; 2. After selecting the fund type, select the fund in detail.
How about this combination? I made a brief analysis to see if it is in line with your investment style.
0020 1 1 Huaxia bonus hybrid fund
"The Fund is a hybrid fund with higher risk than bond funds and money market funds and lower risk than equity funds. The fund mainly invests in dividend-paying stocks, with a net asset value (as of 09-09-30) of 24.257 billion yuan. The allocation ratio of stock assets is 20%-95%, which is a medium-risk securities investment fund. " -Although it is a hybrid fund, since the establishment of Huaxia Bonus Fund, the average positions of stocks and bonds have been 68.9% and 1 1.7% respectively. At the same time, the quarterly report of the second quarter of 2009 showed that the stock investment was 89.34% and the bond investment was only 5.23%. The quarterly report of the third quarter of 2009 shows that the stock investment is 76.73% and the bond investment is only 6.08%. Therefore, this fund is a mixed fund with partial stocks, which is large in scale and suitable for investors with certain risk tolerance.
Fund managers-Two fund managers were added in 2009/0/01year. The fund performance after their appointment shows that the investment ability of the managers is acceptable.
Fees-front-end subscription fee 1.5% (there is a discount for direct sales of fund companies' websites), fund management fee 1.50%, and fund custody fee of 0.25%. Generally speaking, the investment cost is moderate.
Performance-since this year (as of 09/113), the rate of return (74.23%) is higher than that of similar funds (68.35%). It shows that the yield of most of these funds this year is around 68.35%, slightly higher than the average level; There are 220 similar funds, ranking 76th and the top three. One-year income ranks 60th among similar funds of 2 15, 4th among similar funds of 178 in two years and 2nd among similar funds of 1 15 in three years.
Generally speaking, Huaxia dividend has a good resilience in the stock market crash in 2008, so its performance is outstanding. In the process of the gradual recovery of the stock market in 2009, the ability to actively adjust stock positions and maintain the performance of the upper-middle level is also favored by investors with moderate risk tolerance.
160706 Jiashi CSI 300 Index (LOF)
"Passive indexed investment, through strict investment discipline and quantitative risk management means, strives to control the daily average tracking error between the fund's net growth rate and the performance measurement benchmark within 0.3% to achieve effective tracking of the Shanghai and Shenzhen 300 Index." -In the second quarter of 2009, the portfolio showed that stock investment accounted for 93.96% and bonds accounted for 2.15%; In the third quarter of 2009, the investment portfolio showed that stock investment accounted for 93.8 1% and bonds accounted for 3.46%. This investment goal makes the fund more radical among all fund types. But I want to remind you that you have to take high risks while enjoying high returns, so you'd better know whether you have high risk tolerance before making a choice.
Performance benchmark-"95.0% × Shanghai and Shenzhen 300 Index +5.0 %× interbank deposit rate". Most Shanghai and Shenzhen 300 index funds have formulated such performance comparison benchmarks.
Fee-subscription fee 1.5% (direct sales discount on the website of the fund company); Management fee: 0.5%; Custody fee: 0. 1%. Redemption fee: 0.5% within 1 year, 0.25% within 1 year and 2 years; Free for more than 2 years. Generally speaking, the investment cost is moderate.
Performance-since this year (as of 09/113), the yield is (89.22%)& gt；; The return rate of similar funds (68.35%). It shows that the yield of most such funds this year is around 68.35%, and the funds are much higher than the average level; There are ***220 equity funds, ranking 18. One-year return ranks 4 1 among 2 15 equity funds, 2-year return ranks 154 among 178 equity funds, and 3-year return ranks 88th among1/5 equity funds.
It should be noted that because the fund is an index fund, it is the stock fund that is most affected by the stock market. In the process of stock market recovery since 2009, compared with other stock funds, Harvest 300 deserves such performance. However, in the stock market decline from the end of 2007 to the beginning of 2009, it was naturally greatly affected, resulting in the poor performance of 154, which ranked 178 among similar funds. Therefore, Harvest CSI 300 should also be compared with other CSI 300 index funds. Generally speaking, Harvest CSI 300 is the best among all CSI 300 index funds.