Investment cycles of different funds
1. Monetary Fund: cash substitute.
2. Bond funds: substitutes for time deposits, which are suitable for holding for six months to more than one year.
3. principal guaranteed fund: According to the fund contract, it depends on how long the investment will take.
4. Equity funds, hybrid funds and index funds: suitable for holding for more than three years.
Because the investment target of each fund is different and the risk-return ratio is different, stock funds have the greatest risk and the highest return in the long run. The goods base is to ensure liquidity, the debt base is to obtain certain income under the condition of little risk, and the index base is to obtain the average income brought by the market rise, and at the same time improve the overall rate of return of assets.
How's it going? See here, do you understand the general situation of each fund? According to your own situation, what kind of fund are you going to start with?
So here, let's talk about the screening method of hybrid funds with an average income of about 13%. After all, this income can still kill many investment products, and the risk coefficient is not bad.
Mixed fund selection indicators:
The screening of hybrid funds needs to consider seven indicators.
They are: the size of the fund; Time of establishment; Rate of return; Handling fee; The profitability of the fund company; Frequency of fund manager turnover; The ability of fund managers to choose stocks and timing.
Item 1: Rate of return. Of course, the stronger the rate of return, the better.
Item 2: Time of establishment. It will be more stable to choose more than three years.
Third, the size of the fund. The scale of hybrid funds should not be too small, but it should not be too large. The recommended scale is between 200 million and 1 10.
Item 4: the handling fee of the fund. Of course, the lower the better.
Item 5: Frequency of fund managers' replacement. This indicator was mentioned when screening bond funds, and the lower the manager turnover frequency, the better.
Item 6: the profitability of the fund company to which the fund belongs. Generally speaking, there are two aspects: ① Look at its ranking among similar fund companies. ② See if his profit outperforms the Shanghai and Shenzhen 300 Index.
Item 7: the ability of fund managers to choose stocks and timing. Mainly refer to four indicators: ① the employment situation, depending on the length of the fund manager's tenure, it is recommended to be no less than three years; (2) score, higher than 50 points is more secure; 3 stars, the higher the better; ④ Revenue ranking of management funds: those that have not outperformed the average level of the same kind can be excluded.