How to buy a fund with less principal?
For investors with less principal, there are generally three problems. First, they don't understand fund products. Second, their risk tolerance is lower. Third, it is difficult to cope with various risks because of the lack of investment experience. So in view of these problems, I personally suggest that you choose a fund with less risk fluctuation. For example, the following types of funds are more suitable for you.
1 money fund: the money fund has high security and more flexible funds, and can also make profits on Saturday and Sunday. Although the income is relatively small, it is relatively stable. Because the overall risk of the money fund is extremely small, we mainly look at the 7-day annualized rate of return and the 10,000-share income when choosing the money fund. The higher the better, there is no need to consider the investment style concept, fund manager's ability, maximum extraction and other indicators like other funds.
And the overall rate of return is similar, so we don't need to spend too much energy to study and choose. If it is convenient for us, we can use Yu 'ebao and Bitong directly, because we can use them at any time. However, such wealth management products will also be launched in many banks' mobile apps, and the yield will be higher.
2 bond funds: bonds have the characteristics of relatively stable returns and relatively low risks, so bond funds are usually regarded as low-risk products. According to the regulations, more than 80% of the fund assets are invested in bonds as bond funds. The main factor affecting bond funds is interest rate risk, that is, the sensitivity of the bonds invested to the rise and fall of interest rates, followed by credit default risk. The overall situation is relatively stable.
Generally speaking, the above-mentioned funds have low requirements for capital scale and knowledge reserve of investors, and will not consume our time and energy excessively. If it is a hybrid fund or a stock fund, you need to have a general understanding of the stock, and the risk will be greater. If the principal is small, you can invest if you can bear the risk of loss.