First, you should not only know how to trade funds, but also know how to choose the right fund. When you start trading funds, you should choose a suitable trading method, because there are many trading methods of funds, including financial institutions, fund companies, securities companies and so on. There are also some third-party Internet technology trading service platforms. It is worth noting that the transaction costs of different ways are likely to be different, some are higher, and some are more or less. We choose a way with relatively low transaction cost to reduce our transaction cost.
When choosing a fund, we should also make clear the differences between different types of funds, whether the investment objectives of the fund conform to my analysis of the industry prospects, and whether to choose long-term investment or short-term holding. For example, there is a certain difference between fund A and fund C.
The subscription of fund A must be spent on the transaction, while the transaction of fund C must be spent on the transaction, but some surcharges will be deducted later. If it is a long-term investment, the cost of subscribing to fund A needs to be lower. All three are the same fund, the same fund manager and the expected rate of return is the same.
Second, when buying and selling funds, we should also understand some technical skills, such as buying at the support line, selling at the resistance level, and choosing the most ideal fund trading position.
Third, we must be able to take advantage of the situation, care about the overall environment, and follow the market.
Fourth, in the case of a large amount of capital investment, you can slightly lower your profit line and learn to stop loss and take profit.
How much is the education fund insurance for one year? As far as education insurance is concerned, in fact, the design of each product is different, and the threshold for buying insurance is different. We can't generalize. The threshold for buying insurance is different, but most of them are thousands of developments, and there are hundreds of thousands of threshold fees. In short, the payment price is different, depending on the final design product; Even if different types of goods pay the same amount, there will be some differences in the amount received each year under the same payment methods and years. Naturally, for us, the more we receive, the better. Take the following commodities as an example:
According to the examples, take the children's annuity products guarded by Renrenxin as an example:
(1) Minimum investment amount: 10 10 yuan (with universal account), mainly including universal insurance premium 10 yuan;
(2) Total amount obtained: from the age of 18, the insured will pay 20% of the premium paid each year as education fund insurance;
(3) Profitability: Take a 0-year-old boy as an example, and pay 65,438+million every year for three years, with a total premium of 300,000 until he is 22 years old.
◆ 18 ~ 2 1 year, you can receive more than 60,000 yuan each year, totaling more than 240,000 yuan;
◆ At the end of 21period, the lump-sum payment was 349,600 yuan, totaling 589,600 yuan;
(4)IRR value: through the 20-year value, IRR is 3.547%.