1. Monetary Fund
The underlying assets of the money fund are mostly bank lending bills and reverse repurchase of government bonds, so the volatility is small, the security is high and there is basically no loss. The problem is that their income is surprisingly low. At present, it is generally maintained at about 2%-3% per year, that is, after five years, it is only about 10%- 15%, which can't keep up with inflation.
2. Debt funds or quantitative hedge funds
The underlying object of debt-based funds is bonds. Under normal circumstances, the debt base may have a large retreat in the short term, but in the long run, there are few losses. The general income range of debt funds is around 4%-7% annualized income. After five years, the cumulative income can be between 20% and 35%.
Quantitative hedge funds have introduced derivatives such as futures options, with hedging mechanism and programmed operation! Compared with debt funds, its volatility is smaller, and its income remains between 5% and 6% annually for a long time. However, they are unlikely to have explosive income. Customers who have poor risk appetite and don't like the low income from bank wealth management can consider this kind of fund.
3. Equity funds
The subject matter of stock funds is a basket of stocks. They belong to actively managed funds, and their operating efficiency is closely related to the management level of fund managers and whether the fund investment conforms to market preferences.
Stock funds are highly volatile, but they also give investors a high imagination. I really don't know the effect of investing for five years.
Between stock funds and bond funds, there are hybrid funds, and their situation is similar to that of stock funds, so I won't go into details here.
4. Index funds
Compared with stock funds, index funds are passively managed funds, which generally track some market indexes, such as SSE 50, CSI 300 and Hang Seng 500. Generally, investing in such funds takes the form of long-term fixed investment. In order to accumulate a large number of chips at a lower cost, when there is a bull market, sell arbitrage at a high level and then decide to start building positions again.
As for a fund with a one-time investment of 30,000 yuan, waiting for five years, the income really depends on the market environment at that time, full of uncertainty! Such a one-time investment and long-term holding investment method is not recommended to use index funds as investment targets.
Personally, if you have the time and energy, you can take out 20,000 yuan to invest in some LOF funds with large trading volume and good past performance, and keep the working capital of 1 10,000 yuan, and then hold it for a long time. On the one hand, you can earn the benefits brought by the long-term appreciation of the fund, on the other hand, you can earn the arbitrage brought by the short-term discount premium through the unique trading rules of LOF funds, on-site subscription and redemption.
This article was originally written by Wu Peng. The above contents are only for learning and communication, and do not constitute any investment advice. I hereby announce! If you think the content is reasonable, please like and pay attention. Bian Xiao thanked you first!