In March 2008, I wanted to buy an 8 yuan fund, and I would like to ask you to give some advice

Not without risk. It's just that because it is a kind of investment portfolio, and there are generally experienced portfolio experts to take care of it, it is relatively better to avoid systemic risks without much financial management and investment knowledge

Due to the uncertainty of the market in 08 years, the economic pressure of inflation and the policy situation of tightening are relatively clear

First of all, you should consider whether the 80,000 yuan is idle for a year and does not need to be used for some emergency purposes. It is recommended that you can allocate part of the funds you budget for investment **type**, and part of the allocation currency ** (this part of the cost is relatively small, the liquidity is strong, and the risk is almost non-existent at least in 08 years, of course, the income is not as good as the **type**, only slightly higher than the bank savings interest rate), if you use 80,000 yuan to subscribe for the currency **, the income of 5,000 a year is also very likely to reach In addition, you can also pay attention to some bank wealth management products.

Personally, it is recommended not to subscribe to the QDII type**

In short, the hedging ability of ** is still a little better However, there are still risks, and it is difficult to say whether the yield can outperform the inflation rate and bank savings rates

80,000 yuan can't buy all of them, buy 4 varieties, 20,000 yuan each, so that you can diversify the risk and benefit together, specifically the first type, configuration type, etc. What kind of specific ones to buy, you go to the relevant ** to see, don't buy at once, buy in installments and batches. After all, it's your own hard-earned money.

Good luck!

There is also a risk, the annual rate of return can exceed 100%, but the risk is also high. The trend of 2008 should not be as high as the previous two years, it is recommended that you invest your money in the first type, bond type, currency type three **, choose a good **company and **manager, choose a good allocation ratio, I believe that you can still make money this year. No matter what kind of investment, don't expect that there is no risk, but as long as you maintain a good attitude, a little patience, a little confidence and a little luck, buying ** is still a very good way to manage money.

It is recommended that you go to the ** forum more often, good luck!

Now**at a low level, suitable for buying**.

Recommend a few**.

070010 HARVEST THEME.

Under ****, we should choose those who are proactive and flexible. In the past six months, the performance of Harvest Theme (070010) can be described as very dazzling, which is inseparable from the "personalized" operation of its ** manager Zou Wei, in addition to the research strength and management method of Harvest ** management company is also an important factor in its outstanding performance. So back to the choice we mentioned earlier, when the **up and down are swinging, the more flexible hybrid ** should theoretically perform more prominently than the **type**, but in practice, due to the excessive scale of the public offering ** and other restrictions, unless it encounters a relatively large systemic risk, the hybrid ** rarely lowers the **, so the hybrid **, which should be more flexible, does not show its advantages.

Therefore, whether it is the first type or the mixed type, we look at his historical operation style, and try to choose the most frequent varieties of position adjustment and stock exchange, of course, it is necessary to operate correctly, if the replacement of the ** will also increase the investment cost and will not be affected by the good effect.

At present, the Harvest theme is only open for subscription for 1 day per month, and it can also be regularly invested.

630002 The prosperity of Chinese businessmen.

In the past two years, China Commercial has shown strong stock selection ability and market grasp ability in different market environments, especially the growth of China Commercial Shengshi, which has just won the "2009 Open Golden Bull", and has demonstrated good resistance in the market in 2010. Wind data shows that as of June 3, the growth rate of China Commercial Shengshi has won the first type of income champion this year, and it is one of the most ideal regular investment varieties.

At present, China Commercial Shengshi has suspended large-amount subscriptions, and small subscriptions of less than 500,000 yuan are allowed.

400009 Oriental Steady.

Oriental Steady (400009): The 2010 performance of the ** in the open-end bond ** performance is outstanding, which makes countless partial stocks** ashamed. From the perspective of bond allocation, more than 4% are in short- and medium-term central bank bills, which have nothing to do with credit risk and long-term interest rate bubbles.

Convertible bond holdings and corporate bond holdings accounted for 4%.

First of all, you're young, and you already have a financial plan, which is very good.

1. To put it simply, the main classifications of **type**, bond type**, and currency type**, among which the fluctuation of the promissory note type is relatively large, but in terms of long-term (5-10 years or even longer), its income is the highest, such as the income of Cathay Golden Eagle growth for 3 years, which is converted into an adult rate of return, which is a very high rate of return. Let's assume that the annualized rate of return is 10%, and you use execel** to calculate, save 1,000 yuan a month, and 12,000 yuan a year, to calculate how much money you have in 20 years, yuan, are you going to be surprised?

Let's talk about the bond type, the bond ** volatility is relatively small, suitable for older people or people who are unwilling to take risks, and its long-term returns are not as good as the **type**, generally when your assets reach a certain level of allocation according to your needs. For now, it is not recommended that you buy this type of **.

The main reason for this is that the currency ** is very liquid, and it is higher than the bank's current interest rate, which you don't have to think about.

It is recommended that you currently invest in **type**.

2. Since you are buying, you must be a long-term investment, pay attention to investment rather than speculation, if it is speculation, it is recommended that you buy and sell, if you are a master, the income is far greater than buying.

Buy** is to buy the long-term trend, for the time being, I think **type** is at the bottom, you can buy, you can buy it at one time, and you can take regular investment if you don't have funds. Regular investment is a lazy investment method that aims to force savings in order to obtain long-term returns.

3. I am not going to recommend the specific**. There are good and bad, and it has a close relationship with the manager who operates this, and if the manager leaves, it may greatly affect the performance of the manager. It is recommended that you go to Hexun.com or Morningstar.com, which has **ranking**, to do a research, and take the top ** long-term performance as the target (note that there are many** that have been closed and cannot be invested).

There are several types of open-ended, currency, bond, principal-guaranteed and open-ended. Currency**No subscription and redemption fee, the income is equivalent to a half-year to one-year deposit, which can be redeemed at any time without losing money. The subscription and redemption fees of the bond type ** are relatively low, and the income is generally greater than that of the currency type, but there is also a risk of loss, and the loss will not be very large.

**type** subscription and redemption fees are the highest, **assets are**, ** when ** there is a risk of loss, but if ****, there is a profit. Through long-term investment, the average annual return of ** type ** is around 18% 20%, and the average annual return of bond type ** is 7% 10%.

Do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect.

In 2007, 8,000 yuan**, subscribed for ** unit net value yuan, and now redeemed with the ** unit net value of yuan, I estimate that you are referring to the Bosera CSI 300 Index**, on March 11, 2008, the Bosera CSI 300 Index** unit net value is yuan, and on March 4, 2015, the ** unit net value is yuan, calculated according to the standard subscription rate.

The ** shares you hold are 8000 * (shares, no dividends or splits have been made during the period, and the market value of the ** you hold now is yuan.

The actual redemption amount is also yuan (the ** held for more than 3 years, zero redemption fee) yuan, you hold the ** loss yuan.