I want to buy a fund, that is, the kind that saves a few hundred a month, which one should I buy?

You're talking about regular investment**, with a minimum investment of 200 yuan per month.

Regular investment** is suitable for choosing **type and index**, because they fluctuate greatly and can effectively amortize costs. Regular investment is suitable for long-term investment, so it is best to choose one with back-end fees**.

There are many back-end charges, such as: Dacheng 300, Southern 500, Rongtong 100, Industrial Trend, Desheng Advantage, GF Jufeng and so on. Auto-Investment** can also be redeemed at any time.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee at the time of ** every month, but the holding time must reach the time specified by the ** company (ranging from 3 to 10 years) before redeeming, and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a back-end fee for regular investment. Not all of them have a backend.

The second is to change the cash dividend to dividend reinvestment, so that if the company pays dividends, the cash will be automatically repaid, and there is no handling fee for this part.

The third is that if you don't have money to invest this month or the ** price is very high, **** is also very high, you can also stop investing for one to two months, which will not affect the regular investment in the future, but do not stop investing for three consecutive months, if it is suspended for three consecutive months, the regular investment will automatically stop.

Fourth, in the bull market, the price also rises more, at this time you can appropriately reduce investment, if you are in a bear market, you can increase investment appropriately to increase the share.

ICBC's Southern Steady**,**202001

There is also a way to play with pocket money, first of all, the choice of **, when choosing **scale, try to choose a moderate scale of about 50 15 billion, because the large-scale **type** manager is not easy to manage, but too small and there is a risk of being liquidated, so the moderate will be better.

Then it is to choose a good manager, you can look at the past performance of the manager, how the management is, whether the rate of return is high or not, etc., and finally it is worth noting the manager's years of experience, try to choose more than 3 years, because the manager who has been in the industry for a long time is still a little more experienced than the new manager.

Extended information: Is it OK to play with pocket money?

It's good to play with pocket money, because playing ** can appreciate and make money, if you buy **** is not bad, for example: some **type **** is good, it is possible to rise to 100% in a year, but there are also 20% and 30% of the bad increase.

But it should also be noted that ** is also risky, not necessarily after the purchase, but also the possibility of loss, for example, some **type** may lose 20% 30% is also possible, depending on how **** is.

If you are a novice, you can buy currency first, the income is stable, and the interest rate is slightly higher than that of a one-year time deposit. At the same time, you can begin to understand the higher risk of bonds and partial stocks, if you want, you can strengthen the understanding of partial stocks, which takes time to learn and think, if you want to invest in partial stocks, you must enhance your understanding of the stocks, and it must be complex, as long as you are willing to work hard, observe diligently, think more, and constantly summarize. It will improve, and I wish you a smoother and smoother road to investment and financial management.

Hopefully.

If you don't understand, buy some currency** The income is about 5% of the interbank interest rate for the same period.

Speaking of**, most people are no strangers, ** is a relatively common financial management, the threshold is not very high, so it is deeply loved by most people, so buy** earn hundreds of dollars a month? Is it difficult? Relevant content has been prepared for your reference.

It is more powerful to buy ** to earn a few hundred yuan a month, because ** is a volatile product, there will be ups and downs, there are ups and downs, and it is very good to keep earning a few hundred per month.

Generally speaking, the type of ** is different, its risk and return will also be different, if it is currency**or pure debt**, if you want to earn a few hundred yuan a month, then you must have more principal, otherwise you will definitely not be able to earn, no matter how powerful the technology, you can't make money without the principal.

And if it is a relatively risky **type**, exponential**, mixed** it depends on the technology, this orange is more sensitive **mainly investment**, so the risk is relatively large, the return is relatively high, if you can keep earning a few hundred per month, it is still more powerful, and the difficulty is also relatively large.

When buying, we should pay attention to the risk, because the future income is not good, when the future income is not good, there may be a loss, so when buying, we must be cautious, to consider from many aspects, and then choose a round branch to hold for a long time, when choosing, you can also refer to the past yield, although the past does not represent the future, but there will still be a certain reference.

In daily life, each of us and every family will have tens of thousands or more of funds, the same family income, different arrangements, a year must be completely different assets!

So if we save 10,000 yuan a month, how should we distribute this money? How can financial management ensure the safety of family assets and achieve the preservation and appreciation of wealth? Swift Fight.

Today, I would like to introduce to you a financial management tool that Warren Buffett has publicly made by lazy people - index**. Index** is definitely the first choice for personal and family financial management tools, it is also very simple and convenient to learn, this financial tool can be easily used by everyone, and the income is also very considerable, especially suitable for beginners and financial managers who want to easily allocate family assets.

**According to the investment method, it can be divided into: active** and passive**. Initiative is the manager who takes the initiative to choose stocks, many of which have short-term performance assessments, and managers often conduct short-term transactions in order to complete short-term goals.

The index we introduce today is passive, which is only configured according to the index, not artificially selected. Historically, 80% of active models have failed to outperform the index. Last year, the annualized rate of return of an index** was 30%, if we invest 10,000 a month, then we can calculate that the annual return is 36,000, which easily outperforms inflation.

Warren Buffett once said that buying an index** is buying national fortune. As long as the country's economy develops normally, the index can be long-term.

As long as we select the right index, when undervaluing, when the valuation is reasonable, the position is wait-and-see, and the overvaluation is out, so that we can obtain high returns stably, and easily carry out personal and family asset allocation, which is simply an investment artifact for financial whites.

Buying the best and most suitable ** for you is the best. First of all, you must know how much risk you can bear, if you can't bear a lot of risk, then you can consider currency**or pure debt**, this type of risk is relatively small, and the return is relatively stable.

If you can tolerate the risk and want to pursue high returns, then you can consider **, mixed**, index**, etc., the risk of this kind of ** is relatively large, and the return is relatively high.

When purchasing, you can use the method of regular investment, so that the risk can be shared equally, because when purchasing, it is impossible to accurately judge whether it is high or low, and regular investment can average the share and reduce the risk.

But the premise is to choose a good manager, then when choosing, a good manager is very important, because the people buy, are to give the funds to the manager to take care of, when choosing a manager, you can look at its rate of return, the rate of return of management, education, years of experience and so on.

Extended Information: How can I double my earnings by buying**? Any tips?

If it is a currency** or a bond**, it is generally difficult to double the purchase, because the risk of currency** and bonds** is relatively small, although the income is relatively stable, but the money earned is basically not very much, unless the principal is enough, and the holding time is long enough, the money earned may be more.

Generally, those that can be doubled are high-risk, such as: ****, mixed**, index**, qdii**, etc., but the time required is also relatively long, and some may take more than a year to double, depending on how **** is and how much the increase is.

In addition, it is worth noting that the high return, the risk is also relatively high, if the choice is not good, or**poor, there will be a loss, so before buying, you must consider carefully.

In the case of high risk, you can use the method of regular investment, because when you buy, there is no way to judge whether it belongs to a high or low position, and you can average the share and reduce the risk by using the method of regular investment.

Another small tip is that when you are in the first place, you can make appropriate adjustments, for example: choose to increase your position when you fall, so that the possibility of buying at a low level will be relatively large, and you can make money by waiting for the ** to rise later.

First of all, each investor's expectation of investing in the first investment portfolio is different, and different risk expectations, return expectations, and holding time are different, resulting in different investment targets suitable for everyone. For example, growth style and value style, relatively speaking, the fluctuation of growth style must exceed that of value style, and the valuation must also exceed value style, whether you are willing to use higher risk to obtain better returns, or would rather take undervalued varieties and obtain relatively low returns, everyone is different, including the tolerance of the maximum drawdown.

You can tell me more specifics and help you see

What is better to buy with only a few thousand to 10,000 yuan on hand? This mainly depends on how long you don't use this money. How much risk tolerance you have.

If you don't know anything about the situation. Then I suggest you buy some currency**. The return of the currency** is relatively stable, and the risk is relatively small.

Save a little money to take out and learn to invest in yourself.

Central Europe** is better, and the income is also stable, so you can consider regular investment in installments.

Pick one at a historically low valuation** and buy it in batches!