If you have the same question, it means that you are not suitable for investment at present.
Why do you say that? Because of such doubts, there is no correct understanding of income.
Ten thousand yuan to buy a fund, one thousand yuan a month, that is to say, the monthly income 10%.
Calculated by monthly compound interest 10%, the first year's income plus principal is 3 10000, and the second year's income is 98000. By the tenth year, it will reach an astonishing 900 million!
According to this calculation, the annualized income is even more terrible, 2 13%!
How old is Warren Buffett, about 20%, 50 years! With this income, Buffett achieved financial freedom, with total assets exceeding $654.38+000 billion. However, there is only one miracle worker in the world with a population of 7 billion at present.
If someone can achieve 2 13% and Buffett's 10 times, it will go down in history forever and become the first person to create a myth!
Therefore, investment should have the basic knowledge of income. Otherwise, we can easily fall into a strange fantasy trap.
So if this is not clear, don't touch the investment, or you won't even know how to drop your underwear.
If you buy 10,000 yuan at a time, you want to earn 1,000 yuan a month. No one can guarantee this. However, if you buy the right fund and stick to it for a long time, er, stop it, it's not impossible.
Suppose that in 2005, you were lucky enough to insist on buying Guo Fu Tianhui, and have been holding it ever since. Look at his cumulative rate of return:
In 16 years, the cumulative yield of Guo Fu Tianhui was 1702.78%, which was exactly 17 times. Suppose you buy 10000, then 16 is 170000, and the average annual income 10000 is 887 yuan per month. Isn't that close to 1000 yuan? If you add some warehouses in the middle of the trough, you can earn 1000 yuan on average a month. No problem!
It's just that earning 1000 this month is not the form of compound interest mentioned at the beginning ~
See some friends may say: buy Guo Fu Tianhui for a period of time is enough. If you don't buy a junk fund like Guo Fu Tianhui, you won't have this income?
Yeah! That's the truth!
Why do people think so? Because Guo Fu Tianhui has only one fund, which is seven times as much as 16 17, and there is only one fund! There is only one fund manager, Zhu Shaoxing. Among the 654.38 billion people, there are only 3,095 fund managers (the latest data this year), and there is only one Zhu Shaoxing among these 3,095 people.
The average annualized income of Zhu Shaoxing is 18.82%. Buffett, the stock god mentioned at the beginning, has an average annualized income of about 20%.
It doesn't sound like much, does it? Let's show you:
Suppose you invest 1 10,000 every year for 20 years, with an average annualized rate of return of 20%.
The final principal and interest is 2.24 million!
Many families can save 10,000 a year, but if you just save, it will be 200,000 in 20 years. If there is an average annualized rate of return of 20% for so many years, 200,000 will become 2.24 million, 10 times.
Ordinary people don't say that there are 2.24 million, which is 1 10,000. Work alone for a lifetime.
20%, seemingly small, can get such amazing benefits, don't rush to say 30% annualized. If you say so, you will be laughed at.
We should be good at accepting our mediocrity and accepting our shortcomings frankly. It is not shameful to fail to reach the annualized rate of 20% or 15%, but you can't feel that you have gone to heaven just by looking at your investment performance for one or two years.
If you can achieve the annualized rate of return of 10% on your own for a long time (more than10 years), it will be extremely remarkable.
Because there are few investment tools for retail investors to choose from, for most retail investors, they just play with funds and stocks. The risk of stocks is too high and they may not have the talent for stock trading. It's been 15 years since it rushed in, and many things haven't come out yet.
For us ordinary investors, the fund is a safer and easier choice. We don't need to mark the market, and we don't need to know what the K line is. We just need to give the money to the headmaster, and they will help us make a good investment.
As for futures and options, don't think too much. If the fund doesn't understand and still plays, it's really dead.
It is an essential quality for every investor to be able to realize his own ability with an open mind and treat the investment of fund managers correctly.
We may always hear some stories about Buffett, such as buying a stock at a low price and then doubling it several times. These are only a small part of his road to success. What really makes him achieve an average annualized rate of 20% is his persistence, which is the result of his mastering a lot of investment knowledge, not the money that fell out of thin air because he knew nothing and was unwilling to learn.
I want to buy a fund of 10,000 yuan and earn 1000 a month. We have to see if you can buy another copy of Zhu Shaoxing first. 16 can you persist?
I think even if I have to trust him for so many years, I can't pick such a fund manager from thousands of people.
Is the fund not worth buying? No, of course, if the stock-based debt base is reasonably allocated, the investment experience will be much more comfortable, you will feel happy and you will have more pocket money. It will be easier to persist for decades, and it is not difficult to beat inflation ~
Related Q&A: Can you earn 1,000 a month by buying 10,000 funds? I can't.
Funds are non-guaranteed floating expected return products, that is to say, the fund company will not promise to protect the capital and will not guarantee the minimum expected return. So if they buy 10,000 funds, it is uncertain whether they can earn 1000 yuan a month. The actual expected return of the fund is related to market conditions, fund types, fund managers and other factors.
Extended data:
Matters needing attention in fund trading:
Pay attention to buying funds and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.
Be careful not to like the new and hate the old, and don't blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.
Be careful not to buy bonus funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to dividend reinvestment.
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