In terms of China s current economic outlook, is it feasible to invest in long term index funds?

Hello! Personally, I think the investment index is good, if the index is **, you say that there is one** can still make money,**is to use the money to buy**, of course, not to buy 1 but a lot. So I think the risk of the index is small, and a lot of ** actually makes a lot of money, but the statement is a loss, and the money from black investment.

The index will not, as long as the index rises, your ** will definitely make money, and it can't be black.

It is not advisable to invest in the ** stock index, and it is still feasible to change it to a small and medium-cap stock index Seven or eight out of ten of the future ** appear on the small and medium-sized cap** The regular investment index ** is also to pay attention to the strategy, in the relative low level of the index, the regular investment index ** is definitely the opportunity greater than the risk.

Index ** is not suitable for long-term investment, if you buy 6000 points until now, there is no index ** is up, but **** has a lot of up. When the index is established, it is converted into currency or bonds to hedge when the trend is established, and when the market is established.

1.The first thing to look at is your risk tolerance? E Fund's strategy is hybrid, with both risk and return in the middle, E Fund's active growth is the best type, with higher risks and returns, if you are still in your twenties and your risk tolerance is okay, this combination is still okay.

My personal recommendation is Harvest 300, I have both fixed investments, but I found that Yiji 50 is too slow When it rose before, it couldn't outrun Harvest 300, but now it's falling, and it has fallen more, I'm speechless anyway, I'm going to find a chance to redeem it back and change it to something else, hehe. Harvest I myself feel very good oh 2E Fund's strategy and positive growth are still okay, and it is also advisable for you to increase it to 200 yuan per month.

But personally, I think it's better to buy another 200 yuan Harvest 300, what is the purpose of regular investment? Amortize costs and risks, so choosing an exponential one with a large increase can better reflect the significance of amortizing costs. In the case of a fall, you can accumulate a larger share, hehe.

Regular investment is a better way to invest in the long term, and it is also a common basic function in the industry, which can diversify the risk of timing (timing risk is the risk of choosing the investment time).

However, regular investment can not avoid the inherent risks of investment, can not guarantee investors to obtain returns, and is not an equivalent financial management method to replace savings, so there is a certain risk in regular investment, it is recommended that you choose the right one according to your risk tolerance.

The meaning of an index is a reference number compiled by an exchange or financial services institution that indicates changes in the market.

Through the index, we can intuitively see the rise and fall of the current ** ticket market.

2. What is the use of the ** index?

Through the foregoing, we can understand that the representative market is selected by the index, so with the index, we can be the first time to know the overall rise and fall of the market, so that we can better understand the heat of the market, and even for the future trend can also be one or two. Specifically, you can click the link below to get professional reports and learn the ideas of analysis: the latest industry research reports are free to share.

In fact, we can put ourselves in the shoes of a proposition: how can a company make money?

First of all, our customers have to have needs, rigid needs or improvement needs.

Secondly, our products or services should be able to meet their needs on an ongoing basis.

If the customer's demand is unstable, we will be hungry and full.

For example, many brokerages are busy in the bull market, and there are many people in the bear market, and it is very serious to rely on the sky to eat.

So if the customer demand is stable, will we be able to make money? Sometimes it doesn't have to be. The product also needs to have enough barriers.

Because the product is homogeneous, if our product is actually no different from other people's products, the competition will eventually lead to the best war and swallow up the profit margin.

For example, in the smartphone industry, many smartphone manufacturers are making small profits.

Customer demand is stable, and our products also have advantages that others can't imitate, so we will definitely be able to make money? Not really. You also need to earn money to put it in your pocket and not spend it anymore.

Some enterprises are born to invest heavily in maintenance to ensure stable production, if the money earned is no longer invested, the enterprise will not be able to operate, and the money we earn does not actually belong to ourselves.

For example, some highly polluting heavy industries, financial industries that do not pay attention to risk control, operators, etc., even if they make a lot of money in the early stage, they will invest it again in the later stage.

Therefore, the market demand is stable, the enterprise has a moat, the profit margin can be guaranteed, and the reinvestment demand is small.

The consumer industry and the pharmaceutical industry are the male god industries that naturally meet these conditions!

02 Consumer industry.

The demand of the consumer industry is very stable, no matter what kind of economic conditions are encountered, clothing, food, housing and transportation are the rigid needs of the rigid needs; Moreover, once the brand value of consumer enterprises is formed, they can actually obtain a very high profit margin and generate a steady stream of cash flow, and the demand for reinvestment is not large.

The overall performance of the consumer industry is very good, we use data to speak, taking the CSI Industry Index as an example, the CSI 800 Industry Index is composed of the ten major industries in the sample stocks of the CSI 800 Index, representing more than 80% of the market value of the A** field, and is the best index to measure the performance of the A-share industry, including medicine and consumption, 03 pharmaceutical industry.

The demand for the pharmaceutical industry is also very strong and stable, and each of us will have a little cold or something more or less occasionally in daily life, and the deepest feeling is the serious lack of high-quality medical resources. In the context of the declining birth rate and the deepening of the aging population, the people's demand for medical resources will be more urgent, and the consumption capacity of medical care for the development of the national economy will also be greatly improved.

Moreover, the pharmaceutical industry has high industry barriers to R&D and innovation, which has a natural moat advantage compared with other industries and can generate a steady stream of net profits.

Suitable for long-term regular investment ETFs: ** First choice for investment.

ETFs (exchange-traded open-ended indexes**) have the advantages of common ** and **, not only investment diversification, low management fees, but also all-day trading like **, so they have become the preferred investment tool for investors.

Since the end of 2004, China's first ETF ChinaAMC SSE 50 ETF was issued, it has been showing a rapid growth trend.

In the past 2019, a total of 90 new products were established in China, raising a total of 100 million yuan, which is the largest number of ETFs established and the highest fundraising scale in the 15 years since their inception. According to Wind data, by the end of 2019, there were 263 ETFs in China, with a total scale of 712.1 billion yuan.

Many people may ask, the investment return of the index** should not be high, right?

To give a terrifying example, Warren Buffett, the "god of stocks", has advised investors to buy the S&P 500 index more than once, and the reason for the recommendation is simple: invest in the United States. Because the S&P 500 is made up of the 500 most representative and best listed companies in the United States.

Over the past 77 years, the S&P 500 has returned more than 5,000 times! It can be seen that such a long-term unexpected return has to make investors salivate.

Currently, ETFs can be divided into four types: broad-based indexes, sector indices, thematic indices and strategy indices.

2. Why Consumer and Pharmaceutical ETFs?

So, which ETF should investors choose?

From the perspective of investment, there are three standards of "good industry, good company, and good company". Among them, "good industry" ranks first. History tells us that "if you choose the right industry, your investment is half the battle".

The same goes for ETF investing. Since the allocation is a long-term investment strategy, we should choose an ETF of the industry index type.

The so-called industry index** is a company that invests in the corresponding industry. For example, the index of the pharmaceutical industry** invests in companies in the pharmaceutical industry.

**Regular Investment:

1.Insist on no less than 10% of your monthly income every month, and 20% will be used for regular investment.

2.It is recommended to invest in index** or **, not bonds** and currencies**. Recommend CSOP 300, CSOP SZSE Component Index ETF (back-end fee)...

3.Select the old ** with stable performance for more than three years in famous brand companies. The old ten ** companies are: Huaxia, Bosera, Harvest, Nanfang, Cathay Pacific, GF, Fuguo, E Fund, and Dacheng.

4.It is best not to be lower than one market cycle, that is, not less than the complete process of a bull and bear market. It is better to go from bear market to bull market and not from bull market to bear market.

In fact, the best regular investment is to continue to invest for more than ten years, every month, without interruption, and it is best to invest for life.

5.Don't be too scattered, it's best to choose one to two good ** and keep casting, don't change around, and don't be too scattered.

6.Don't be afraid to terminate the regular investment in the bear market, but instead increase the regular investment, because you can have more chips.

The bull market can be less fixed, but it does not have to be terminated, and it is never necessary to invest more in the bull market, because the more you are on the high, the greater the chance of the future. It is recommended to use regular investment every other month in the bull market, that is, to remit money to the card every other month, so that it can be traded, and the money of the month that has not been invested is accumulated on the side, and when the low price of the bear market is low, you can eat more shares at one time or in batches, and the bear market fixed investment is still carried out.

7.Don't stop deducting for three consecutive months, the regular investment agreement will be automatically terminated, and it will have to be opened in the future.

8.Long-term regular investment is recommended to choose: dividend reinvestment + back-end fees.

9.Set the right mentality, don't waver, stick to the regular investment every month, and don't be affected by the outside gossip and terminate the regular investment. With just a few hundred dollars a month, you can build a good financial foundation for the future.

Through this question, it can be seen that the subject is a person with financial awareness. You know that any investment is risky, and you also know that you are not looking for huge short-term returns, but long-term stable returns. At the age of 28, I took into account the state of the age of 45.

I don't know what your monthly income is, and I don't know what the 1,000 dollars a month is to your monthly income. But if you can have at least a thousand dollars a month to invest in the long term, that's enough, at least from the age of 28 to 45, which is 17 or 18 years.

If you want to invest regularly for such a long time, the premise is to find a product with low systemic risk and relatively low cost. My advice is to select multiple indices** to allocate regular investment.

At present, China's domestic index** covers the largest range and has the most stable performance, which is the CSI 300, which contains the 300 selected stocks with the best performance, the largest plate and the strongest liquidity in the main board markets of Shanghai and Shenzhen. You can choose the ** of this index as the regular investment variety of the main pressure.

But at the same time, I also recommend considering the CSI 500 Index**, which chooses the small and medium-sized caps on the main board of Shanghai and Shenzhen in addition to the CSI 300 constituent stocks, which also perform eye-catching**.

Basically, you divide the monthly 1,000 yuan into two halves, and buy these two indexes on a regular basis**. In this way, the blue chips rise, and you also earn, and the small-cap growth index soars, and you also earn.

Invest regularly for a year, compare which of the two ** rises better, and then make an arithmetic average of the book market value, rebalance according to this average, and allocate the more one to the less one, so that the total market value of the two ** is the same again, and then do it once every year, which can ensure that the income will be more than letting it go.

The investment channel is recommended to find a company that includes both of these **products**, make regular investment on **company official**, and find the company with the lowest regular investment fee to invest. This requires you to find and compare for yourself, and finally decide on specific companies and products.

These two types of ** basically represent the overall good companies of China's A-shares, because the index will be adjusted every six months, eliminating the weak and leaving the strong, so it is worth holding and investing in for a long time.

As for when to sell, it depends on the term of your investment. Because you plan to end the investment at the age of 45, you can pay attention to when the bull market will occur 5 or 8 years in advance, and try to choose to gradually get out of the accumulation of more than ten years at the high level of the bull market, I believe that you can get an annualized return of more than 10 to 20 percent, which is definitely a high-quality investment.