Fixed investment fund is a very popular way. Fixed investment fund is favored by investors because of its low threshold and long-term stable expected annualized income. So is the graded fund suitable for fixed investment?

1. Is the graded fund suitable for fixed investment?

a graded fund, also known as a "structured fund", refers to a fund variety with two-level (or multi-level) risk expectation and a certain differentiated fund share by decomposing the expected annualized expected return or net assets of the fund under a portfolio.

whether graded funds are suitable for fixed investment depends on three aspects: parent fund, stable A fund and radical B fund.

1. The parent fund, similar to ordinary open-end funds, can make fixed investment just like other funds;

2. Fund A, similar to bond funds, has basically stable interest and can be bought as a deposit (higher interest and higher risk than deposit);

3. The expected annualized expected return of Fund B actually depends on the parent fund, but the risk and the expected annualized expected return are magnified by n times, and the interest must be paid to Fund A regardless of the loss or win, which is too risky! If there is a long bear market, fund B will eventually make investors lose all their money! Therefore, the B fund is a sharp weapon for profit when the stock market rebounds, and it is a tool for short-term operation. It must not be fixed for a long time!