Secondly, hybrid funds are relatively conservative, and the income is not so great. Then I think it is more suitable for people with less risk tolerance to buy, and it is more cost-effective to hold it for a long time. Because the hybrid fund is basically stable and rising, take your time, it should not be short-term, but should pay dividends.
PS。 Speaking of short-term, in fact, the fund's long-term holding income is higher. However, some investors have just started to invest in funds, and they can choose stock funds to do short-term work, and withdraw their funds when the income is 20% to 30%. According to this year, it will take about half a year.
Finally, the money fund should be used as an auxiliary tool instead of the main tool for your investment and financial management. Its net worth is always one yuan, and then it is divided into several points for every ten thousand yuan every day. It is more suitable than demand deposit, but not as good as time deposit. Usually, we can use this money to buy money funds in our lifetime, and it will arrive within three days after redemption, which is more flexible and convenient.
Investment method: Subscribe to the fund from 1000 yuan, and the rate is 1.2%. Those who hold it for more than two years are exempt from redemption fees. You can subscribe in banks, securities companies or online. So I think it is safer for banks, although banks may not provide preferential interest rates for the latter two.
About risk: the stock type is bigger than the hybrid type, but if you can hold it for a long time (that is, you are not in a hurry to ask for money), the risk is still very small. At the worst time in 2004, 1 yuan could drop to 70 or 80 cents. The risk of funds is much less than that of stocks, but the income is higher than that of foreign exchange transactions. As for the money fund, there is no risk.
Cash-out ability: Therefore, we still advocate going to the bank to buy, and the fund companies that cooperate with the bank should be formal (I still have some trust in the bank). Regular fund companies are supervised by China's financial management departments and must pay dividends once a year. Therefore, you should not worry about the ability to cash out, because you can get the money back as long as you redeem it. Unlike stocks, you can't sell them until someone buys them.
Finally, if you feel uneasy, you can choose some good fund companies with good income and reputation. It is recognized that the better Sino-foreign joint venture fund companies are Morgan Stanley, Bank of Communications Schroeder and China Merchants. It is recognized that the better established fund companies are Bo Shi, Huaxia and Yin Hua.