I don't know which funds are better-it depends on your risk tolerance.
Fixed investment for 3-5 years-in this case, you can choose a fund with greater risk. Because a long-term fund investment can avoid risks, and the risks are high, and the returns are naturally high.
For long-term fund investment, it is best to choose index funds. On the one hand, index funds have great income, and long-term fixed investment can avoid high-risk defects; Secondly, the index fund will not suspend subscription, which can avoid damaging the established investment plan because a stock fund suspends subscription.
Choosing a good index fund, the most important thing is to choose a good index. So you'd better know the indexes tracked by index funds first. There is no comparability in tracking index funds with different indexes. Tracking index funds with the same index, the smaller the tracking error, the better. Of course, we should also consider tracking the cost of the same index fund.
Now, it seems that among the existing index funds in China, the funds tracking the Shanghai and Shenzhen 300 Index and the Shenzhen 100 Index have the best returns.
Back-end charges, if more than 5 years, can be exempted from handling fees-yes. The back-end charge is to collect the subscription fee and redemption fee together when redeeming the fund. Many funds stipulate that subscription fees and redemption fees can be waived for more than three years, so it is more appropriate for funds with more than three years to choose back-end fees.
As far as the funds you mentioned are concerned, I briefly analyzed a few. See if it fits your investment style.
00000 1 Huaxia Growth-Mixed Type
"The Fund belongs to growth funds, and mainly realizes the long-term capital appreciation of the Fund by investing in the stocks of listed companies with good growth, while maintaining the security and liquidity of the fund assets. Portfolio in the second quarter of 2009: stocks accounted for 78.44%, bonds accounted for 20.19%; Portfolio in the third quarter of 2009: 73.84% stocks and 265,438+0.90% bonds "-growth funds focused on the long-term capital appreciation of the fund and mainly invested in stocks with good growth. To put it bluntly, we are concerned with long-term interests, not immediate interests. Therefore, different investment styles are doomed to different performances, and which is better or worse can only be a matter of opinion. The portfolio shows that the fund has high risk and is suitable for investors with certain risk tolerance.
Fund manager-since he took office on 2005/ 10/29, he has maintained good continuity, and the fund performance proves that the fund manager has good investment ability.
Fees-front-end subscription fee 1.8% (there is a discount for direct sales of fund companies' websites), fund management fee 1.50%, and fund custody fee of 0.25%. Overall, the investment cost is slightly higher.
Performance-since this year (as of 09/ 1 1/06), the yield is (63.94%) <; The return rate of similar funds (66.00%). It shows that the yield of most of these funds this year is around 66.00%, slightly lower than the average level; There are ***220 similar funds, ranking 128, in the lower middle. One-year return ranked 97th among 2 14 similar funds, 19 among 176 similar funds in two years and 25th among 1 12 similar funds in three years.
Generally speaking, Huaxia, as the 1 of the three earliest open-end funds established in China, has experienced the test of bull and bear market and showed strong investment ability. Especially in the stock market crash in 2008, it showed outstanding weak market viability. As growth funds, it's good to get such a performance, which is worth looking forward to in the long run. Therefore, Huaxia growth is favored by investors with moderate risk tolerance.
00005 1 Huaxia CSI 300 Index
"With indexed investment, we pursue effective tracking of the underlying index and obtain similar returns and appropriate other benefits. The proportion of the fund's investment in the stock portfolio is not less than 90% of the fund's net asset value, and the proportion of investment in the relevant underlying index constituent stocks and alternative constituent stocks is not less than 80% of the non-cash fund assets. " -such investment objectives and investment ratio make this fund radical not only in Huaxia department, but also in all fund types. But I want to remind you that you have to take high risks while enjoying high returns, so you'd better know whether you have high risk tolerance before making a choice.
Tracking error-the absolute value of daily average tracking error shall not exceed 0.35%, and the annual tracking error shall not exceed 4%.
Performance comparison benchmark-"Shanghai and Shenzhen 300 Index yield × 95%+ 1% (refers to the annual yield, which should be converted by period when evaluating)". Compared with other Shanghai and Shenzhen 300 index funds, this performance benchmark shows that Huaxia hopes that its Shanghai and Shenzhen 300 index fund will have higher income than other companies, so the income of the fund is worth looking forward to.
Fee-subscription fee: 1.2% (there is a discount for direct sales on the website of the fund company); Management fee: 0.5%; Custody fee: 0. 1%. Redemption fee: 0.5% within 1 year, and it will be waived above 1 year. Generally speaking, the investment cost is low.
Since the new fund was established at the end of July, 2009, it has just finished building positions, so there is no historical performance for reference. However, the fund performance of Huaxia Company is generally good, and this Shanghai and Shenzhen 3000 Index should not disappoint people.
0020 1 1 Huaxia bonus hybrid fund
"The Fund is a hybrid fund with higher risk than bond funds and money market funds and lower risk than equity funds. The Fund mainly invests in dividend-paying stocks, and the allocation ratio of stock assets is 20%-95%, which is a medium-risk securities investment fund. " -Although it is a hybrid fund, since the establishment of Huaxia Bonus Fund, the average positions of stocks and bonds have been 68.9% and 1 1.7% respectively. At the same time, the quarterly report of the second quarter of 2009 showed that the stock investment was 89.34% and the bond investment was only 5.23%. The quarterly report of the third quarter of 2009 shows that the stock investment is 76.73% and the bond investment is only 6.08%. Therefore, this fund is a mixed fund with partial shares, which is suitable for investors who still have certain risk tolerance.
Fund managers-Two fund managers were added in 2009/0/01year. The fund performance after their appointment shows that the investment ability of the managers is acceptable.
Fees-front-end subscription fee 1.5% (there is a discount for direct sales of fund companies' websites), fund management fee 1.50%, and fund custody fee of 0.25%. Generally speaking, the investment cost is moderate.
Performance-since this year (as of 09/1/09), the rate of return (72.72%) is higher than that of similar funds (66.45%). It shows that the yield of most of these funds this year is around 66.45%, slightly higher than the average level; There are 220 similar funds, ranking 73rd and the top three. One-year income ranks 80 th among 2 14 similar funds, 4 th among 177 similar funds in two years and 2 nd among 1 12 similar funds in three years.
Generally speaking, Huaxia dividend has a good resilience in the stock market crash in 2008, so its performance is outstanding. In the process of the gradual recovery of the stock market in 2009, the ability to actively adjust stock positions and maintain the performance of the upper-middle level is also favored by investors with moderate risk tolerance.
16 1604 Rongtong Shenzhen Stock Exchange 100
"Rongtong Shenzhen Stock Exchange 100 Index Fund adopts the index investment method, and strives to achieve effective tracking of Shenzhen Stock Exchange 100 Index by controlling the tracking error between the stock portfolio and Shenzhen Stock Exchange 100 Index. The Fund conducts stock indexation investment on the constituent stocks of Shenzhen Stock Exchange 100 index with more than 90% of the non-bond assets of the Fund. The stock indexed investment part is not less than 50% of the fund assets, and the daily tracking error relative to the Shenzhen Stock Exchange 100 index is not more than 0.5%. " -This investment model makes this fund aggressive not only in the financing department, but also in all fund types. But I want to remind you that you have to take high risks while enjoying high returns, so you'd better know whether you have high risk tolerance before making a choice.
Performance benchmark: Shenzhen Stock Exchange 100 index yield ×95%+ interbank deposit rate ×5%. -
Fee-subscription fee: 1.5% (no online discount for the time being); Management fee:1.0%; Custody fee: 0.2%. Redemption fee: 1 year 0.3%, 1-3 years 0.15%; Free for more than 3 years. Generally speaking, the investment cost is high.
Performance-Since this year (as of 09/1/06), the yield is (95.71%) > The return rate of similar funds (66.00%). It shows that the yield of most of these funds this year is around 66.00%, which is much higher than the average level. There are 220 similar funds, ranking seventh and first. One-year income ranked fifth among 2 14 similar funds, 102 among 176 similar funds in two years, and 35th among 1 12 equity funds in three years.
It should be noted that because the fund is an index fund, it is the stock fund that is most affected by the stock market. In the process of stock market recovery since 2009, compared with other stock funds, the index has such performance. However, in the stock market decline from the end of 2007 to the beginning of 2009, it was naturally greatly affected, resulting in the poor performance of "two-year return ranked in 1 10 among similar funds". Therefore, Rongtong Shenzhen Stock Exchange 100 should also be compared with other index funds.
Generally speaking, Rongtong SZSE 100 is among the best among all index funds, mainly because the current trend of SZSE 100 index stocks is better than other index stocks, so the performance of Rongtong SZSE 100 index in index funds is very outstanding.
163402 industry trend-mixed type
"The fund aims to grasp the long-term measurable certainty of investment objects and increase the certainty and stability of portfolio income. Take advantage of the trend, pay attention to the leading indicators of the trend, grasp the overall trend, and have a clear investment goal. 30%-95% of stocks, 0%-65% of fixed income securities, and not less than 5% of cash or government bonds with maturity within one year. The fund's stock investment will focus on listed companies selected through Xingye Multidimensional Trend Analysis System. " The third quarterly report of 2009 shows that the share of stock investment is 84.90%, and the share of bonds is 8.3 1%. It can be seen from this investment method and investment ratio that as a hybrid fund, the fund is suitable for investors with moderate risk tolerance.
Fund Manager-The newly-added fund manager in 2008, and the former manager * * *, jointly manage the fund, which has good continuity. Through the performance of the fund, we can see that the investment ability of the manager is acceptable.
Fees-front-end subscription fee is 65,438+0.5% (direct discount on the website of the fund company), fund management fee is 65,438+0.50%, and fund custody fee is 0.25%. Generally speaking, the investment cost is moderate.
Performance-since this year (as of 09/1/09), the yield is (64.31%) < The return rate of similar funds (66.45%). It shows that the yield of most such funds this year is around 66.45%, while the fund is slightly lower than the average; There are ***220 equity funds, ranking 128, ranking in the middle. The annual income ranks159 among 2 14 stock funds; The two-year return ranks10 among 77 stock funds; The three-year return ranks third among similar funds in 1 12.
Generally speaking, the performance of the fund has fluctuated greatly in the past three years. In the process of stock market crash in 2008, its resilience was outstanding, and it also achieved good results in similar funds. However, after entering 2009, in the process of gradual recovery of the stock market, the performance of the fund is at a medium level. However, because the fund is a hybrid fund, its investment mode determines its income, so the overall performance is not disappointing from this perspective.