As the lowest risk fund, money fund is also the most familiar fund in recent years, and its annualized income is the lowest among all funds. Let's take the money fund of Yu 'ebao as an example. The annualized value of Yu 'ebao in the last seven days is 1.68%, and 1 0,000 yuan can earn 0.046 yuan a day, almost fifty cents. The income of the money fund fluctuates every day, but it is relatively stable. A money fund with an annualized rate of 2.5% can earn 70 cents a day by saving 1 000 yuan.
bond funds
Bond funds mainly invest in the bond market, and the risk is higher than that of money funds. Take the Tian Li Bond of China Merchants Credit with flexible subscription and moderate income as an example. Its net value has increased by 3.2% in the past year, and the annual income of 1000 yuan is 3.2 yuan, earning an average of 90 cents a day. Sometimes the debt base market is good or holding the debt base is more profitable, and the annualized income can reach more than 5%. According to the calculation of 5%, the income of 1000 yuan a day is 14 cents.
How to buy funds
After completing the preparation for opening an account, citizens can choose their own time to buy funds. Individual investors can bring the debit card and fund trading card of the correspondent bank to the counter of the agency outlet to fill in the Application Form for Fund Trading (institutional investors need to affix the reserved seal), and must submit the application before the day of subscription 15: 00, and the counter will accept and receive the receipt of fund business. Two days after handling the fund business, investors can print the business confirmation at the counter.
First, no matter how the market fluctuates after the fixed investment, we will buy fixed investment funds with different net values every month, and automatically form an investment method of lightening positions on rallies and adding positions on dips, so that the average cost is at the middle level of the market. The fluctuation range of the whole year will be greater, and the risk of direct one-time investment will be greater. However, if you choose to invest regularly and stick to it, it will smooth the investment cost in the long run.
Second, the general starting point of fixed investment business is 100 ~ 300 yuan, which greatly lowers the investment threshold and provides convenience for small investors, so regular fixed investment is more suitable for wage earners.
Third, the fixed investment can be suspended, terminated or resumed at any time, and no penalty interest will be levied when the contract is terminated. You can advance and retreat calmly in the market risk, which ensures that you can adjust your investment in time according to your own judgment on the market. In the turbulent market environment, flexible investment methods may increase the security of your investment.
How to redeem
When investors intend to redeem their funds, they can bring the debit card and fund trading card of the opening bank, and also fill in and submit the transaction application form before 3: 00 pm. After being accepted at the counter, investors can inquire and redeem the fund after five days.
How to quit
If trading investors need to cancel trading, they can bring their fund trading card and bank debit card to the counter before the trading day 15, fill in the trading application form and indicate the cancellation of trading. If it is after 15, some banks can make an appointment for trading according to the quotation of the day and trade the next working day. Almost all banks and fund management companies support online trading funds.