1 First of all, we should know the types of fixed investment funds, including stock funds, money funds, index funds and bond funds. Different types of funds have different risk returns, so we should choose the appropriate fund type according to our own economic situation and risk tolerance;
2. According to the specific information of the fund, it is better to choose fund products with long establishment time, few changes in fund managers, high yield and high dividends, and it is better to choose stock funds and hybrid funds with high volatility, which can effectively reduce investment risks and improve investment returns.
Do you know the lazy investment law? What do lazy people pursue? Lazy people should pursue convenient and fast service! It's best to stay at home and make money. So how do lazy people manage their money and invest well? I can tell you-fixed investment.
Fixed investment is really a good thing! When you don't have to choose every time you buy, you don't have to pay attention to the bank's automatic transfer, and you don't have to stare nervously at the change of net worth all day after the fixed investment. However, if you want to make more money, you still have to work! That is to choose a good fund in the early stage. Here I can share some simple experiences with you.
The first trick: find the right product.
That is, choose a fund suitable for fixed investment. As can be seen from the advantages of fixed investment mentioned above, the greater the fluctuation, the lower the cost shared in the process of falling, and the greater the income realized in the process of rising. Therefore, when choosing fund products, you can choose active stock funds or index funds with large fluctuations in net value but outstanding long-term performance. However, bond funds and money market funds are not very volatile and are not suitable for investment in the form of fixed investment.
The second measure: pay attention to continuous performance
Only long-term investment can reflect the value of fixed investment, so the fund that chooses fixed investment should also pay special attention to its continuous performance. To see whether a fund's continuous performance is good or not, it is best that the fund has experienced a bull and bear market cycle and has a good performance in both bull and bear markets, which can help investors resist the systemic risks of the market to the greatest extent, and the income is more secure!
The third measure: choose the back-end charge.
When applying for funds, did you notice an option, that is, choose front-end charging or back-end charging? Many people may have overlooked this option, but its impact is very great!
There are two ways for open-end funds to collect subscription fees, one is front-end fees, and the other is back-end fees. Front-end charge means that when you subscribe and subscribe for this fund, you need to pay the subscription fee or subscription fee at the same time. It's like buying a ticket as soon as you get on the bus. Back-end charge means that you don't need to pay the subscription fee immediately when you buy an open-end fund, but wait until you sell the fund. It means that when you want to get off, you can take the bus first and then buy a ticket.
And unlike taking the bus, if you take the bus for a long time, as long as you don't beat around the bush or get stuck in the subway for three hours, your fare will usually be proportional to the time. But if you hold the fund for a long time, people will appreciate your trust in it, the management fee will be collected, and the subscription fee will be gradually reduced or even exempted.
However, it should be reminded that back-end charges and redemption fees are not the same thing! Back-end charges, like front-end charges, are subscription fees, but they are not paid when buying funds, but when selling funds. Therefore, if you buy a fund with back-end fees, you must pay back-end fees in addition to redemption fees when you sell the fund.
Subscription fee!
The fourth measure: pay attention to the convenience of handling.
Fixed investment is a "lazy investment law", and lazy people should pursue convenient and fast services! It is best to manage your money and invest it well without leaving home. At present, the fixed investment business of most fund companies is handled by the banks on a commission basis. Therefore, if you want to enter a bank casually and you can handle the fixed investment business, you must choose a fund company with many agency outlets! This can not only facilitate business, but also give yourself more choices.