Some equity funds have a good increase, which may increase by 100% a year, but the same is true when paying attention to losses. Although basically they won't lose 100%, many funds still lose 30%.
Only by buying money funds or pure debt funds, you can earn less money, which may be between 2% and 5% a year. Because the investment direction of such funds is less risky, the income is relatively stable and the possibility of loss is relatively small.
Extended data:
Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.
From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.
According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.
(4) According to different investors, it can be divided into bond funds, stock funds, money funds and hybrid funds.
How to buy
After completing the preparation for opening an account, citizens can choose their own time to buy funds. Individual investors can bring the debit card and fund trading card of the correspondent bank to the counter of the agency outlet to fill in the Application Form for Fund Trading (institutional investors need to affix the reserved seal), and must submit the application before the day of subscription 15: 00, and the counter will accept and receive the receipt of fund business. Two days after handling the fund business, investors can print the business confirmation at the counter.
First, no matter how the market fluctuates after the fixed investment, we will buy fixed investment funds with different net values every month, and automatically form an investment method of lightening positions on rallies and adding positions on dips, so that the average cost is at the middle level of the market.
The fluctuation range of the whole year will be greater, and the risk of direct one-time investment will be greater. However, if you choose to invest regularly and stick to it, it will smooth the investment cost in the long run.
Second, the general starting point of fixed investment business is 100 ~ 300 yuan, which greatly lowers the investment threshold and provides convenience for small investors, so regular fixed investment is more suitable for wage earners.
Third, the fixed investment can be suspended, terminated or resumed at any time, and no penalty interest will be levied when the contract is terminated. You can advance and retreat calmly in the market risk, which ensures that you can adjust your investment in time according to your own judgment on the market. In the turbulent market environment, flexible investment methods may increase the security of your investment.