Which is better, the fixed investment of the fund or the expected annualized expected return of Yu 'ebao?
yu ebao
Yu 'ebao is a fund payment and information display service provided by Alipay for users. Transferring funds to Yu 'ebao means buying corresponding financial products from fund companies and other institutions. Yu 'ebao supports the "Yu 'ebao" monetary fund of Tian Hong Fund in the first phase. Monetary funds are mainly used to invest in bonds, bank deposits and other securities with high security and stable expected annualized income.
Money fund is a classification of funds and a special tool for investing in money market, with little or no risk. It has the characteristics of high security, high liquidity, stable expected annualized expected return and "quasi-savings". This is an excellent substitute for saving.
The expected annualized expected return of such funds is shown as "10,000 expected annualized expected returns". As the name implies, what is the expected annualized expected return of every 10,000 funds? For example, on a certain day, the expected annualized income of 10000 copies announced by Yu 'ebao is 1.5000 yuan, which means that if you have 10000 copies of Yu 'ebao, the expected annualized expected income is 1.5 yuan. Then compare how many "ten thousand copies" you have and calculate your expected annualized expected income for that day.
Automatic investment plan
The fund's fixed investment is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step into the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.
Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
"Compared with fixed investment, the expected annualized expected return of one-time investment may be higher, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get a relatively average expected annualized expected return without worrying about the timing of entering the market.
There are many fixed investment fund products. If you want to know whose expected annualized expected income is higher, you can only compare it by buying fixed investment products.