1, how to invest less money?
College students invest less in purchasing funds. Not suitable for fund types with high investment threshold. Generally speaking, the investment threshold of traditional funds is above 1 1,000 yuan. If you only want to invest in 500 yuan every month, then don't choose to buy funds at one time. But the fund's fixed investment is very suitable for college students. (What is the threshold for fund subscription? )
2. If your risk-taking ability is small.
According to the different investment scope, funds can be divided into stock funds, bond funds, money funds, hybrid funds and index funds. How many investment funds have little risk-taking ability, or the use period of funds is fixed, so it is suggested to avoid stock funds and choose monetary funds. Index funds are suitable for long-term investors, and short-term users are not recommended to invest.
3. If we only look at the high expected annualized expected return,
Among the above-mentioned funds, the one with the greatest risk but the highest expected annualized return is the equity fund. The investment direction of equity funds is the stock market, that is to say, the money you buy equity funds is used by the fund manager to invest in the stock market, which is equivalent to someone indirectly helping you to stock, so the risk you take and the expected annualized expected return are doubled.