If the market is good, the income will be around 20 thousand yuan. It is impossible to predict how much money you will get after 20 years of fixed investment, because buying a fund is not like raising interest rates in a bank, but also an investment. As long as it is an investment, there will be risks. In other words, your income may double in 20 years, or you may lose everything in 20 years. Only relatively speaking, the investment risk of funds is smaller than that of stocks. The fund is risky and needs to be cautious in investment.

There are several types of open-end funds: currency, bond, capital preservation and stock. The money fund has no subscription and redemption fee, and the income is equivalent to six months to one year's deposit, and it can be redeemed at any time without loss. The subscription and redemption costs of bond funds are relatively low, and the income is generally greater than that of money funds, but there is also a risk of loss, and the loss will not be great. Stock funds have the highest subscription and redemption costs, and the fund assets are stocks. When the stock market falls, the fund will have the risk of losing money, but when the stock market rises, there will be gains. The long-term investment returns of funds vary according to the types of funds. The average annual return of stock funds is about 18%~20%, and that of bond funds is 7%~ 10%. The greater the return on investment, the greater the risk, so if you want to have a higher risk return, you should also be prepared for losses.

For example, the three funds with the biggest losses are:

1, Haifutong style advantage mix -26.89%

2, Jin Yuan Shun 'an value growth mixed -26.09%

3. ICBC's steady growth mix A-24.6438+0%

In other words, if you started investing in these three funds five years ago, you would not only lose money, but also lose some money.

The fund's fixed investment wants to get good results, relying on the market to get out of the smile curve. When the market continues to fall, it is an opportunity to pick up cheap chips. If we stop at this time, the whole fixed investment will be in vain. If you buy at a high point and sell at a low point, you will naturally lose money. If you want to buy low and sell high, you have to overcome your fear, stick to a fixed investment when the market falls, and wait patiently for the market to pick up. When your fixed investment starts to make a profit, we should also stop making a profit in time. There are many ways to take profit, such as target take profit method, step-by-step selling method and so on. In the long run, the average annualized rate of return of domestic stock market is about 10%, and individuals can set up a fund to make a fixed investment of 15%, so they began to consider taking profits.