What's the matter with 65438+ ten thousand buying funds for three months?
May have encountered a fund liquidation. "During the period after the entry into force of the open-end fund contract, if the net asset value of the fund is less than 50 million yuan for 60 consecutive days, or the fund share holder is not less than 200 yuan for 60 consecutive days, the fund manager has the right to announce the termination of the fund after the approval of the China Securities Regulatory Commission.
1. It can be seen that the fund liquidation is mainly due to two reasons: if the fund size is less than 50 million and the number of fund holders is less than 2 million, then the preferred fund size is larger. Specifically, the scale of active funds is not less than 2 billion, and the scale of passive funds (index funds) is not less than 200 million; The optimal establishment period is not less than 3 years: only funds that have passed the market test are funds recognized by investors; The risks of the Fund refer to the risks that may occur during the operation of the Fund.
2. Divided into market risk (external risk) and corporate risk (non-market risk). Market risk is the investment risk caused by market fluctuation, such as political, economic, policy or legal changes.
How much can 65438+ 10,000 buy funds earn a year?
There are many fund products, the mainstream of which are money funds, bond funds and hybrid funds. If the monetary fund is 6,543,800 yuan, the annual income is about 654.38+ 0.500 yuan. If it is a bond fund, the income is about four or five thousand yuan. If it is a hybrid fund, then the annual income is unstable. It is not a big problem to earn 654.38+ million in a good year, and it may lose two or three thousand in a bad year.
It should be noted that although there are many high-yield wealth management products in the market, the investment risks cannot be ignored. Before investing, you should consider whether you can afford it, such as stock funds. Once the market is bad, the daily decline may reach about 4% to 5%. If you pursue stable income, you can consider regular financial management.
100000 people will choose funds or stock funds.
Assuming that this 654.38 million yuan is idle money, if it can be used for a long time, I will definitely buy a fund, and I will choose one or two funds from Mr. Liu, who have been in the industry for more than 10 years and the annualized rate is above 10%. After buying it, I will hold it for five to ten years. Don't short-term, I will definitely hold it. You will get a surprise.
I have always opposed buying stocks. Personal information, risk control, comprehensive processing ability and so on are all difficult to accurately grasp the complex and changeable stock market.
It is better to give money to professionals and let them do professional things instead of working hard, which may not necessarily lead to good results.
But just remember one thing. In the long run, funds are not stocks. You can understand it as the annual savings of the bank. Only if you persevere can you see the effect.