Funds held for 10 years are long-term investments, which will bring good dividend income to investors to a certain extent. At the same time, its net value may be higher than the cost when investors hold it, which will bring good price difference income to investors.

Of course, how much income a fund can bring depends on its investment field and the management ability of the fund manager.

For some funds with strong managers' management ability, or funds in high-growth industries, investors may hold 10 years, and the income obtained may be higher than that of some funds with low managers' management ability, or even double.

Therefore, investors should first consider the management ability of the fund manager and the growth of the investment field when investing in a fund for a long time.

In addition, in the purchase process, it can be purchased in the form of fixed investment, which can spread the investment cost and risk of investors.

Guide to fund trading

Preparation process

Before purchasing a fund, investors need to carefully read the prospectus, fund contract, account opening procedures, trading rules and other fund-related documents, and all fund sales outlets should have the above documents for investors to consult at any time.

Individual investors are required to carry the debit card of the correspondent bank and valid identity documents (ID card, military officer's card or armed police card), and institutional investors are required to carry the original business license, organization code certificate or registration certificate, as well as a copy of the above documents stamped with the official seal, power of attorney, ID card of the agent and a copy.

With the preparation materials, the customer goes to the bank counter to fill in the application form for fund business, and then receives the business receipt. Individual investors also receive fund trading cards, and they can go to the counter to receive business confirmation two days after handling fund business. Units or individuals can engage in fund subscription and redemption after receiving business confirmation.

How to buy

After completing the preparation for opening an account, citizens can choose their own time to buy funds. Individual investors can bring the debit card and fund trading card of the correspondent bank to the counter of the agency outlet to fill in the Application Form for Fund Trading (institutional investors need to affix the reserved seal), and must submit the application before the day of subscription 15: 00, and the counter will accept and receive the receipt of fund business. Two days after handling the fund business, investors can print the business confirmation at the counter.

First, no matter how the market fluctuates after the fixed investment, we will buy fixed investment funds with different net values every month, and automatically form an investment method of lightening positions on rallies and adding positions on dips, so that the average cost is at the middle level of the market. The fluctuation range of the whole year will be greater, and the risk of direct one-time investment will be greater. However, if you choose to invest regularly and stick to it, it will smooth the investment cost in the long run.

Second, the general starting point of fixed investment business is 100 ~ 300 yuan, which greatly lowers the investment threshold and provides convenience for small investors, so regular fixed investment is more suitable for wage earners.

Third, the fixed investment can be suspended, terminated or resumed at any time, and no penalty interest will be levied when the contract is terminated. You can advance and retreat calmly in the market risk, which ensures that you can adjust your investment in time according to your own judgment on the market. In the turbulent market environment, flexible investment methods may increase the security of your investment.

How to redeem

When investors intend to redeem their funds, they can bring the debit card and fund trading card of the opening bank, and also fill in and submit the transaction application form before 3: 00 pm. After being accepted at the counter, investors can inquire and redeem the fund after five days.

How to quit

If trading investors need to cancel trading, they can bring their fund trading card and bank debit card to the counter before the trading day 15, fill in the trading application form and indicate the cancellation of trading. If it is after 15, some banks can make an appointment for trading according to the quotation of the day and trade the next working day. Almost all banks and fund management companies support online trading funds.

Fund dividend

According to the provisions of the Fund Law, the requirements of fund management companies for dividends of closed-end funds are that more than 90% of the net income of funds must be distributed in cash and at least once a year.