1, Monetary Fund
Suppose an investor buys a money fund with 20 yuan, and the annualized rate for seven days is 2%, then the annual income is: 20*2%= RMB, so some small partners will think that the fund does not make money. In fact, in addition to income and principal, buying a fund is also very important.
For example, if an investor buys a money fund with 10000 yuan and the annualized rate for seven days is 2%, then the annual income is: 10000 * 2% = 200 yuan. Compared with the two, the income is quite different, because the purchase of 20 principal pieces is too low, so the income is relatively small. You should know that the essence of money funds is low risk and the income will be relatively low.
2. Pure debt fund
The risk of pure debt fund is also very small, but compared with money fund, the risk is slightly greater and the income is the same. The general income is between 3% and 6%, and the investment scope is 100%. Long-term holdings rarely lead to losses.
If an investor buys a money fund with 20 yuan, and the annualized rate is 4% in seven days, then the annual income is: 20*4%= yuan, which is relatively high compared with the money fund, but if the principal is too low, the money earned is the same, and the income is not much, so a novice can accumulate experience with a small amount of money when buying a fund, but if he wants to make money, that's it.
2. Other fund types
In addition, there are other types of funds, such as stock funds, hybrid funds and index funds. They all belong to high-risk and high-return fund types, and the fund fluctuates greatly, so it is impossible to accurately calculate how much money can be earned.
However, the increase of high-risk funds is relatively good, and it may increase by 100% a year. For example, if an investor has 20 yuan's principal and invests all of it, the value will increase by 65,438+000% within one year, then the income earned will double, and the principal plus interest will be 40 yuan, which is equivalent to earning 20 yuan.
But if the market is not good, the possibility of loss is the same, and the loss may be zero. However, because the fund is below a specified value, it will be closed, so the possibility of the fund falling to zero is very small.
However, it is still possible for some funds to drop to 30% a year. For example, if an investor buys a fund in 20 yuan, a 30% drop is a loss to 6 yuan. If it is to be redeemed, a certain handling fee will be deducted. The redemption amount is less than 14 yuan, which shows that the risk of the fund is still quite large. Investors should be cautious when buying.
But generally speaking, the principal is too low, even if you buy a high-risk fund type, it is very difficult to make money, but it is the same when you lose money, and basically there will be no big loss, so you can also use 20 yuan's small money to buy funds to accumulate experience.