How does the novice buying foundation choose the fund?
1, fund classification
Index fund: only invest in the constituent stocks of the underlying index and copy the index;
Equity fund: the proportion of stock investment accounts for more than 60% of the fund assets;
Bond fund: the proportion of bond investment accounts for more than 80% of the fund assets;
Hybrid funds: invest in stocks, bonds and money market instruments, but the proportion of investment in stocks and bonds does not meet the requirements of stock funds and bond funds.
Money fund: a fund whose assets are all invested in various short-term money markets.
QDII Fund: QDII refers to the mechanism for domestic financial institutions to invest in overseas capital markets with the permission of the government. In short, QDII fund is a fund product served by professional fund managers, which allows you to easily invest in overseas markets and gain income.
ETF fund: ETF fund is an open-end fund that tracks a certain market index and is listed and traded on the exchange. Investors can buy and sell in the secondary market of the exchange, and they can also purchase and redeem. Its subscription is to exchange a basket of stocks for ETF shares, and its redemption is to exchange a basket of stocks instead of cash.
LOF Fund: LOF Fund is an open-end fund, which can purchase and redeem fund shares in the OTC market, and can also trade and purchase or redeem fund shares in the exchange (floor market). In China, only Shenzhen Stock Exchange provides LOF business.
Capital preservation fund: by adopting portfolio insurance technology, investors are guaranteed to get at least the investment principal or a certain return when the investment expires. The investment goal of the capital preservation fund is to lock down the downside risks and strive to obtain potential high returns.
Graded funds: Graded funds divide fund products into priority shares and ordinary shares, and all such products in China are graded closed index funds. Priority shares enjoy priority distribution rights, but after meeting the expected annualized expected income distribution of priority shares, most of the expected annualized expected income distribution of the fund will be allocated to ordinary shares. Ordinary shares will be listed and traded on the exchange, while preferred shares can be arranged to enter or exit through other off-site means.
2. Fund risk level
Can 4000 yuan buy a fund to make money?
Bian Xiao's answer is that you can make money, and the expected annualized expected return depends on whether the fund you invest can resist market fluctuations. As an investor, it is suggested to choose a monetary fund with low risk or a fixed investment (share the risk), and the optional bond fund that is not satisfied with the expected annualized expected return of the monetary fund has moderate risk.