If we compare our assets to a pool, "inflation" is a hole in the pool.
Without financial management, our assets are lost every day because of inflation. Working to make money is like injecting water into it, which is inefficient and painful.
And if we manage money, it is like connecting a water inlet pipe to the hole, which not only solves the water leakage problem, but also accelerates the increase of water in the pool.
With the maturity of China's financial market, there are more and more types of wealth management products, but as we all know, there are still deposits, bonds, funds and stocks.
In addition to deposits, funds are also an investment channel suitable for our financial beginners, which has three advantages:
Trained people-fund managers-help us invest.
In order to avoid the black swan event of a single product, funds generally have a wealth management product portfolio, which has a strong ability to spread risks.
Relatively time-saving and labor-saving, you can liberate yourself
Of course, with the growth of our financial knowledge, we can also buy stocks and bonds ourselves to pursue higher returns on the premise of mastering more investment skills.
Today, I sorted out three tips for novice funds and shared them with friends who want to start buying funds.
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Risk tolerance test that cannot be underestimated
No matter what platform you manage your money on, before investing in any product, a small window will pop up to remind you to do a risk tolerance test.
(Source: Alipay)
This is a must, and it is recommended to take it seriously, because it can let you know your risk tolerance more effectively and objectively.
It also has an automatic reminder function. In the future investment, when you try to buy a product that is beyond your risk tolerance, you will be prompted that this product is not suitable for you.
Here, I want to remind you not to complete the test truthfully in order to buy high-risk products. This is irresponsible for your own investment. If you encounter a big loss, it will be too late to regret it.
Everyone's risk tolerance is not immutable.
Perhaps because of the increase in income, you can try products with higher risks; Maybe you need to configure more low-risk products, because you have a family and a career.
I suggest you do another test every year to know your risk tolerance in real time.
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The choice of fund varieties varies from person to person.
According to the different products invested, funds can be divided into different varieties. Let me introduce the four most common types:
Monetary fund: investing in short-term monetary instruments, such as government bonds, central bank bills, bank time deposits and short-term government bonds.
For example, our commonly used balance treasure belongs to this kind of fund. Although the rate of return is not very high (usually stable at around 2-3%), it is better than low risk (in extreme cases, there will be losses).
Moreover, the trading is more flexible, which is very suitable for putting the usual change and reserve fund.
Bond fund: More than 80% of the fund assets are invested in bonds, and the rest can be invested in stocks.
From the beginning, the risk of single-day loss of such funds is more obvious.
But as the saying goes, the greater the expected rate of return, the greater the risk of loss, and the volatility has always been up and down.
Equity fund: More than 80% of the fund assets are invested in stocks, and the rest can be invested in bonds and currencies.
We often say that index funds are equity funds.
Under higher risks, there are also higher expected returns. Usually, we can spread the buying time and extend the investment time (such as fixed investment) to stabilize the risk.
Hybrid fund: a tool that invests in stocks, bonds and money markets at the same time, and the investment scope is not so strict.
Therefore, the risk of such funds will fluctuate, sometimes lower than that of equity funds and sometimes higher.
When we choose, we can pursue higher returns and spread risks by investing in various funds.
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Multi-choice fund purchase channels
There are generally three channels for fund purchase. I have sorted out the advantages and disadvantages for your reference.
Official website: official website, a fund company, usually can only buy one fund product, and the handling fee for self-production and self-marketing is low. However, if you want to invest in the funds of several fund companies, you have to open an account for each fund company, which is more troublesome to manage.
Banks: Among the major bank apps with fund sales licenses, there are many products of fund companies for investors to buy, but the transaction rates are generally not discounted and the handling fees are relatively high.
Third party: In addition to the variety of funds, the turnover rate of third-party fund sales platforms is often 1%. The only drawback is that the general bank card payment has a limit, which is not convenient for large capital operation.
With the above three fund tips, try boldly and gain more experience in the market. After all, investing in this matter requires not only knowledge reserves, but also execution. Just stay on paper and see no benefits.