When investors buy funds, they must find out what they are buying. Fund products are just a general term. In fact, there are different types of risk preference products in fund products, such as low risk, medium risk and high risk. Only by figuring out what they are buying can investors not be at a loss in the subsequent investment. There are many people investing in funds now, and funds can be said to be very hot, so why are foundations so hot? The following is Bian Xiao's collection about 202 1 Why are foundations so popular? What are the methods for investing in funds? I hope I can help you.
Why is the foundation so hot?
1 Affected by the epidemic, global central banks released water. In 2020, the amount of RMB loans in China will increase by nearly 20 trillion. At the same time, on the one hand, we insist on housing and not speculating, on the other hand, banks break the rigid redemption, so that the money investment in the hands of ordinary people gradually flows from the property market and banks to the capital market.
Obviously, funds make money, just like people in China. When they heard that any industry was making money, they immediately flocked to it. According to Bao Dequan's statistics, the average net growth rate of active partial stock funds in the five years since 20 16 is 78.44%. What does this mean? Even though the fund he bought was ordinary, he helped himself achieve a 78% increase in five years. Some people don't buy it because they don't understand or are stupid.
Most investors can't do professional knowledge, so they can only leave professional things to professional people. Unlike stocks, funds don't have to stare at the market every day. Isn't it sweet to have professional fund managers to help them make money?
Before buying a fund, investors must evaluate their risk preference, so as to know what kind of risk they belong to, and then choose the corresponding wealth management products. Don't put the cart before the horse, which will make them invest in an unreasonable risk environment and eventually lose money.
What are the investment methods of the fund?
1 One-time investment. You can invest a certain amount at one time, and then you can add investment money at will. However, both the initial investment and the subsequent investment have a minimum amount. This restriction is mostly due to cost considerations, but sometimes it will discourage some investors.
2 savings plan. A savings plan allows you to invest a certain amount in the fund regularly every month, quarter or year, just like buying life insurance. The difference between the two is that the fund will not ask you to sign a series of contracts that are difficult to terminate. Another biggest advantage is that you can stop paying at any time without any loss.
3 live by "golden eggs". But what if you want to live by savings, or have to live by savings? Then, you can decide in advance that you can withdraw some investment assets every month or every year. People call it an exit plan. If you want to implement this plan, you usually need to have enough assets.
4 basic provident fund _ _. In addition, you can also invest in fund products in the capital reserve fund. This kind of investment requires you to stay for six years in a row and hold fund shares for one year. For this reason, you must abide by this statutory time limit in order to get the full reward from the state. After reaching a certain income limit, you can get the savings subsidy issued by the state (there is a set maximum subsidy amount every year).
5. Financing in the form of investment funds. What I want to show you in the future is how to shorten the financing time to the maximum, and it is under the same investment. At this time, investing funds and choosing the right bank played a decisive role.
Funds are almost always superior to single investments. A fund is a huge asset composed of many individual portfolios, and this asset will be invested and operated by a professional team in this field. In the long run, the investment of these expert teams is always much higher than that of individual amateur investors.
Which industry funds have investment value?
1 big consumer fund. Internal circulation makes great efforts, consumption upgrades welcome investment opportunities, and consumption is still a good industry for lasting value investment! Consumption includes medical care and medicine, as well as new energy vehicles. Automobile is a consumer industry, and of course it also covers the development of health and new energy industries.
2. Main financial funds. The development of finance and modernization definitely needs the help of finance, which is also a good industry for long-term investment. Securities is an important part of the financial industry.
3. Major science and technology funds. Science and technology, various technologies, new materials, high-end manufacturing, integrated circuits, chips, domestic substitution, information development, aerospace, quantum communication, cloud computing, blockchain, etc. They are all emerging industries that focus on development!
4 Other funds. New energy industry chain, environmental protection industry chain, culture and education, sports health industry chain and agricultural development are all industries with great opportunities! Consumer circle+big finance+pan-technology fund is the main line in the main line, and the key points among the key points will definitely be the top priority in the next 5- 15!
Generally speaking, we are more optimistic about the performance of consumption and technology, but investment and investment should also have a long-term holding mentality. This year, the whole market will be more turbulent. Therefore, as long as it is not a bond fund, as long as it is a stock fund, it is your best choice to participate through fixed investment.