Different types of funds have different returns and risks. Among all kinds of fund products, money funds and bond funds belong to low-risk and low-return types, with relatively stable returns and little fluctuation, and the fixed investment is of little significance. 50 yuan's fixed investment every month is basically difficult to make money, and the income is particularly small.
In contrast, equity funds and hybrid funds are more suitable for fixed investment, because equity funds and hybrid funds are high-risk and high-yield products, and fixed investment can spread risks. Moreover, if you invest in 50 yuan every month, the principal is not particularly large, and it will basically not cause great losses. If you choose a good fund, the annualized income can reach 8%, which is much higher than the regular income of the deposit bank.
Suppose you invest in 50 yuan to buy funds every month, then you need to invest in 600 yuan for one year, and the principal for five years is 3,000 yuan. Assuming that the annualized income is 8%, excluding compound interest, the expected principal plus expected income is 3,500 yuan after five years, and it is estimated that the fixed investment can get back 9,000 yuan in 10.
Although the fixed investment in 50 yuan is very small every month, it will not cause great pressure on your life, but it is also a big expense to stick to it and enjoy the benefits for a long time!
Generally, how much money to invest every month can be invested according to your salary level. It is generally recommended not to invest too much, but to invest with the remaining spare money. You can choose to invest about 10% of your salary, which can not only exercise your financial management ability, but also get some income. Why not?