First of all, we need to define the concept of fixed investment. Fixed investment is to put money into the fund at a fixed time, which has the dual functions of compulsory savings and investment. Fixed investment belongs to medium and long-term investment. After we bought the fund, it was equivalent to giving the money to the fund manager. After clarifying the basic concepts, we can start our journey of fixed investment.
For most novices or small whites who have never been exposed to fund investment, Alipay is the most convenient channel for fixed investment funds, and there is no need to open additional accounts or download additional software.
We can open Alipay, select the financial column in the menu at the bottom of Alipay's homepage, select the fund after entering the financial management, and then we can have the menu of fund ranking. Click in and you can see many kinds of bases.
First of all, equity funds have the highest risks and returns, and the losses are relatively stimulating, followed by hybrid funds and index funds. Bond funds are funds with low risks and not particularly high returns. Beginners suggest starting with index funds and hybrid funds.
Select the index fund in the menu, and then select the last three years, and you can see the index funds with the top performance in the last three years. Pick any one, and you can enter the details page of the fund, which contains all kinds of detailed information of the fund. In the trend of the fund, if the performance of the fund can obviously outperform the broader market, it means that this fund can be put into our fixed investment alternative fund pool. Look at the historical performance data of the fund and choose the top 25%, the last three years, the last five years and.
As for the fund size, for general active funds and enhanced index funds, it is better to choose 5-5 billion yuan as far as possible, while for general index funds, the larger the fund size, the better. Try to choose a fund that has been established for more than 3 years. Active funds, it is best to give priority to fund managers, and choose fund managers who have been in business for more than 4 years, and their past performance can be maintained at 15% or more.
Through these criteria, we can simply choose the first fund we want to invest in.