1. What is the return for fund investors?

------Long-term (more than 5 years), the income is good.

2. How much money is needed to get it?

------Minimum 200 yuan per month.

3. Is the risk high------There are various types of risks in the fund, and you can choose according to your own risk tolerance.

What is the approximate income after 3 years?

------Someone asked me a similar question. You can take a look: What is the return from fixed investment in stock funds in three years?

This mainly depends on the stock market conditions and personal operations in the three years of fixed investment. There is no universally applicable rule.

For example, from 2006 to 2009, this period happened to experience a bull market and a once-in-a-century financial crisis at the same time: from 2006 to the end of 2007, it was a bull market, from 2008 to the end of 2009, it was a bear market, from 2009 to today, the stock market gradually recovered, but

There are still shocks.

If the fixed investment in the fund that started in 2006 continues to the present (there is no redemption), then after these three years of rising and falling (the fund income also rises and falls like taking an elevator), there can be 20%

The income is pretty good.

If the fund's fixed investment started in 2006 and continues to the present, and there is redemption behavior during the bull market, then the return will be more than 100%, because the fund return in 2006 and 2007 both exceeded 100%; and in 2008, the return will be more than 100%.

Fund returns are negative, meaning there is no profit, and they generally suffer losses.

Therefore, there is no conclusion as to how much money you can get from a three-year fund investment and how much risk there is, depending on the changing stock market conditions.

4. If you want to buy fixed investment funds, what are the specific steps?

-------This is a question I have answered to many novices. It is relatively common. You can read it first before talking about it.

1. What is a fund?

I want to ask you first: Do you know what stock trading is?

If you know, it would be easy to explain. A fund (stock type) means that we give money to the fund company to buy stocks.

So why should we leave it to the fund company and don’t we buy it ourselves?

Because the professionals of fund companies have a higher level of stock trading than us ordinary investors (this is the most commonly used temptation word when fund companies persuade people to buy funds).

Therefore, investing in stock funds means investing in stocks indirectly, and the fund will bear the risks of stocks to a greater or lesser extent.

Many investors don't actually know that funds invest in stocks indirectly, so they think that funds are guaranteed to make money without losing money. This is a big mistake.

Precisely because we give money to fund companies to buy stocks, we always have to pay others some labor fees, so there are subscription fees and redemption fees.

Of course, as a fund company, because it has professional personnel (with rich professional knowledge in stock trading) and huge funds (can buy many stocks), it objectively has a much greater chance of profit than retail investors.

That is to say, many people think that funds are still the first choice for investment and are unwilling to touch stocks.

In addition, there are also bond-type funds. Buying a bond-type fund is equivalent to us giving money to the fund company to buy bonds.

You may ask again: Why not buy it yourself?

Because the fund company has a lot of money and is an institution, it can buy many corporate bonds that are not open to ordinary investors, and the profit is much higher than the treasury bonds we can buy.

Put it this way, I wonder if you can understand.

Just understand it this way: a fund is when many people give a lot of money to a fund company to buy stocks or bonds.

2. The difference between funds and stocks. If you want to know the difference between funds and stocks, it is best to first know that funds include stock types, bond types, etc.

In layman's terms: stock funds - you give money to others, and others buy stocks for you.

There is no essential difference between it and stocks. Because the fund company not only uses your money to buy stocks, but many people give money to the fund company to buy stocks, so the stocks that the fund company can buy are smaller than what you can buy with your own money.

That little money can buy a larger number of stocks, so the money you give to a fund company to buy stocks is naturally less risky than the money you use to buy stocks directly.

Therefore, stock funds are less risky than stocks, but they are the riskiest among fund types and have the highest returns.

Bond funds - you give your money to others and they buy bonds for you.

The difference with stocks is clear at a glance.

3. Fund investment fees: Currency funds - no-fee bond funds - subscription fee is about 0.8%; redemption fee is 0.1%-0.3% (within one year), and the redemption fee varies with the time of holding the fund.

Redemption upon extension, generally no redemption fee will be charged for more than three years.

Stock funds - the subscription fee is about 1.5%, and the redemption fee is 0.5% (within one year). The redemption fee decreases with the length of holding the fund. Generally, the redemption fee is waived for more than three years.

This is just a rough standard. The fee rates for buying funds at bank counters, bank online banking, and fund company websites are all different. Among them, fund company websites are the most favorable.

So, you have to figure it out when you buy.

Whether it is subscription or redemption, the handling fee is calculated based on the amount.