But considering that it was bought by the elderly, is it useless money for a long time? Do you have medical insurance? Is it possible to use the money temporarily? So I suggest you make a portfolio investment.
Suggest that your (robust) investment portfolio is:
Equity funds have high risks and high returns, followed by hybrid funds, bonds, and monetary funds have low risks and low returns. You can choose several types of funds according to your own situation. Most of the money that has not been used for several years (60%) is used to buy stocks for long-term holding, and a small part (20%) is used to buy bonds for long-term holding. Buying 1 or 2 months' short-term unused money (20%) (equivalent to using a current account to get regular interest without paying taxes) is convenient to deposit and withdraw, and there is no handling fee. There is also a short-term bond fund, which has the same risk as a money fund and can be purchased without formalities.
We are paying attention to banks. In fact, no matter which bank's funds are the same as long as the code is the same, we can compare them with other banks. I suggest you go to Industrial Bank. Most of their funds have preferential subscription policies. The general subscription fee of 1.5% is 0.6% (60% discount).
Recommended stock funds: Huaxia Market Select (0000 1 1), Shangtou Advantage (3750 10), Guangfa Small-cap Growth (162703), Great Wall Jiutai (200002) and Penghua China 50 (/).
If you want to hold it for a long time, I suggest you buy a back-end fund, so that you can avoid the subscription and redemption costs in a few years. I suggest buying a fund instead of selling it at a high price and buying it at a low price like a stock. Long-term holding costs more than short-term holding. Since I bought my first fund (except the money fund), I haven't redeemed it once.
Recommended bond funds: Changsheng Bond Back-end (5 1 1080) and Yinhe UnionPay Income Front (151002); After the earnings of Galaxy UnionPay (15 1 102), Harvest Bond (07000)
Monetary Fund: South Cash Increase (20230 1) has no subscription and redemption fee.
It is suggested to invest 300- 1000 yuan in a stock-based back-end fund every month and hold it for a long time.
-
Answers to supplementary questions:
It is still recommended to make a portfolio investment, so that if you need money urgently, you can have money to turn around. If you have spare money, you can invest all in stock funds.
Penghua has a good value advantage. At present, it is recommended not to buy it at one time, but to buy it several times. Now the market index is high.