According to the long-term accumulated experience abroad, index funds have higher long-term returns, so index funds are recommended.
It is suggested that the Southern Shanghai-Shenzhen 300 Fund with back-end payment and the blue-chip stocks in the market are suitable for long-term fixed investment.
If you want to grow up well and be radical, choose the small and medium-sized board fund.
Second, 10 steps to understand the fund
Because of the low risk and high yield, the market is bullish recently, and many people are paying attention to it recently. Let me explain the fund (an investment method) to you. Interested friends can come and have a look.
1. What is a fund? Simply put, a fund means that you invest some money in a fund company, and the traders of the fund company use the money to invest, usually in the form of stocks. It can also be summarized as paying professionals to help you stock. So it is very important to choose a good fund company!
2. How to calculate the profit and loss: if you earn it, you will be given the corresponding dividend according to the number of stocks you bought and the difference between the unit net value of the day and the redemption date. If you lose money, you should also share the loss with the difference between the number of shares subscribed and the net value.
3. Other expenses: a certain handling fee will be charged at the time of subscription, generally 0.0 12 per share, and 0.005 at the time of redemption. For example, on the day of purchase, the unit net value is 1 yuan, and you need a * * * to buy 10000 shares (one * * is 10,000 yuan). If you use online banking, there will be a corresponding discount, and the handling fee is about 1 10 (the regulations of each bank are different, for reference only).
4. Fund period: generally divided into three stages: subscription period, operation period (closed period) and subscription period. At first, it was a subscription period, usually about half a month. In this half month, you can only buy and cannot redeem (sell), and the buying price is generally 1 yuan. Then enter the operation period (closed period), during which the fund company takes your money to open a position, which can also be said to be the preparation period, which generally does not exceed three months. After opening, most of the foundation will increase, and some will fall back to 0.9* or lower. Don't think you have lost money at this time, because the investment has just begun. Then enter the subscription period, at which time you can buy and sell freely.
5. Risk: There will definitely be risks, because if you earn, you will lose, mainly depending on the strength and operating conditions of the company you choose. But objectively speaking, fund investment is a long-term investment, unlike stock trading, which is easy to make money and easy to lose money. Because the stock market has been bullish for half a year, and there is a virtuous circle, basically no fund is a long-term loss, provided that it has been invested for at least half a year.
6. Specific example: Take the Great Wall of Jing Shun as an example. On February 7th, 65438, the buying price was 1. 1 17, and from February 8th, 17, it kept falling, because the whole stock market was also bearish. From 65438+February 1 1 to 65438+February 15, that is 1. 186, that is, if you arrive at1/kloc on February 7, 65438. From 65438+February 1 1 to 13, the unit net value can be increased to 1. 134, and from 1. 134 to134. It may fall after 65438+February 15, and the profit will gradually shrink or even be lower. Reasonable, this is the rise and fall of the fund. The rise and fall of the fund is generally related to the rise and fall of the stock market, which is directly proportional to the accident. As the market continues to rise in a volatile state, the fund is also slowly rising (in the past six months).
7. How to buy: Generally speaking, it is a bank agent, and different bank agents have different types of funds; Or buy directly at the designated place of the fund company. When buying in the bank, I hold my ID card and a debit card with the purchase amount written on it at the window. The time is from 9: 30 a.m. to 3: 00 p.m. 1 1 and from 9: 30 p.m. 1 to 3: 00 p.m.
8. Other issues: fund reinvestment: refers to funds that have paid dividends and then dropped back. The reverse price of this fund is generally similar to that of the newly issued fund. The advantage is freedom of buying and selling, because it saves two or three months of preparation. The disadvantage is that buyers are often slightly higher than the newly issued 1 yuan, but not much higher.
9. Dividend issue: When the price falls, the profit has been returned to you according to the difference between the number of stocks bought and the unit net value, so don't worry about the redemption period before dividends. For example, if you spend 1 yuan to buy 10000 shares (ten thousand yuan), after half a year, the unit net value will be 1.7 17, and then the dividend will be reduced to 1, then the handling fee of 0.0 17 will be removed, and the 0.7 yuan will be earned per share. This part of the income, if you intend to continue to invest, will become your fund share, and redemption will be realized.
10, summary: funds are a good way to manage money, but you must choose the issuing company very carefully and don't worry. It is safer to invest for at least half a year. Generally speaking, compared with stocks, the risk is smaller and the long-term holding rate of return is higher. The fund is not a stock, the net value and the price of the stock are completely different, and the purchase of the fund cannot be determined by the net value.