But investment is risky, and even capital may cause huge losses, so under normal circumstances, don't buy it if you don't understand it. If you are Xiao Bai, you can have a good look at this essay, and you will certainly gain something.
1. Fund classification 1 money fund (low risk and low return): buying corporate bonds, bank time deposits, local government bonds and national debt (the proportion of investment bonds is not required, 1 year).
Bond fund (low risk and low return): buy corporate bonds, stocks, local government bonds and national debt (bonds account for more than 80%, 1 year).
Hybrid fund (high risk and high return): participation in stock and bond investment can adjust the investment ratio, and the risk is smaller than that of stock funds.
Equity fund (high risk and high return): 80% shares, 20% others.
Second, the classification of funds 2 active funds: relying on fund managers, the ability of fund managers directly determines performance.
Passive fund (index fund): The risks and benefits are determined by the whole market, and there is no fund manager. In the long run, the return is more stable. This is especially recommended by Buffett. Very suitable for novice investors.
Third, how to choose index fund 1 and determine the desired investment index.
Choose the representative mainstream index, as long as the index itself is long-term, it can be included in the investment scope, such as SSE 50, CSI 300, CSI 500, GEM index, etc.
2. Choose a reliable fund company.
The strength of fund companies is very important to the performance of index funds, so the fund size of the selected fund companies is not less than 654.38+000 billion.
3. Lock index funds.
Fund size: more than 200 million (too small, more likely to be liquidated)
Years of establishment: more than 3 years (if this fund can maintain excellent results for 3 consecutive years, it means that it has 2 brushes that can stand the test of survival time).
Management fee rate: including management fee, custody fee, subscription fee and redemption fee.
Fourth, index fund screening exercise 1, determine the index you want to invest in: CSI 300/ CSI 500/ SSE 50.
2. Choose a fund company:
Tian Tian fund network business? Fund company? Screen out fund companies with a scale of over 100 billion.
In the fund search bar on the same page? Input SSE 50/ CSI 300 Index? See more funds
On the fund page, find out that the fund scale is above 200 million, the fund company exceeds 1000 billion, and others can be excluded.
3. Lock index funds:
The scale of the fund is greater than 200 million.
It has been established for more than 3 years (the longer it is, the better)
The tracking error is lower than that of similar average funds.
Finally, compare the selected foundation with an icon, and the lower the management fee and custody fee, the better.