Urgent!!! The current situation of fund houses is 15

There are several ways to buy**: one is to buy at the bank counter, as long as there is a bank card, the handling fee is, the second is to buy on the online bank, the handling fee is six percent off, the third is to buy on the company, the handling fee is lower than buying in the online bank, and some are four folds, but it is also necessary to open online banking.

One-time buy**, minimum 1000 yuan, fixed investment** minimum 200 yuan per month, but some ** require a minimum of yuan.

There is also a redemption fee at the time of redemption, and if the holding time is within one year, a handling fee will be charged, and a handling fee will be charged for more than one year and less than two years, and there will be no redemption fee for more than two years.

Of course, there are two charging methods, one is the front-end charge, which is generally the default one, that is, the percentage mentioned above is charged, and the other is the back-end charge (not all ** have back-end charges), which is the kind mentioned above.

In addition, if the cash dividend is changed to dividend reinvestment, if the dividend is paid, the company will re-invest the cash divided, and there is no handling fee for this part, and it can also generate compound interest benefits.

As for what type of ** to buy, it should be determined according to your own risk tolerance, and investing ** is risky, with high risk and high return. The risk of ** type and index type is relatively high.

The purpose of the hybrid design is to allow investors to diversify their investments by choosing a variety of products, without having to buy different styles of ****, bonds** and money markets**. Hybrid** will use both aggressive and conservative investment strategies, and its returns and risks are lower than those of **type**, higher than those of bonds and money markets**, and it is a moderately risky financial product. Some well-functioning hybrids will even exceed the level of ****.

The proportions are different. **Type**:** has a high proportion of investment and relatively high risk;

Bond**: Bond investment ratio is relatively high, and the risk is relatively low;

The hybrid type is somewhere in between, and is more flexible.

First of all, we must realize that it is precisely because of the different investment ratios, as the saying goes, the difference is a millimeter, the error is a thousand miles, and the investment ratio is different, and its essence is completely different!

1. At present, China's economy and ** are affected by various negative factors (such as the European debt crisis, the weak recovery of the United States, the situation in North Korea, the shadow of inflation, real estate regulation), the short-term trend is not optimistic, and there is even the possibility of turning down, and the pattern of wide box finishing next year is also very likely. In this case, there is less room for the index**, especially the CSI 300 Index, which is closely related to the economic environment. Therefore, I personally do not recommend Harvest 300, it is better to buy an active stock base, which is more promising in the ** market.

2. In order to control the risk, the one-time subscription proposal of 10,000 is divided into two parts, 5,000 stock base + 5,000 aggressive bonds, the former is selected in the Chinese business system, Harvest growth, theme, China **, strategy, dividend, Galaxy industry preferred, industrial system, etc.; The latter chooses the convertible bonds** or radical bond base of Industrial Corporation, Chinese Commercial and Wells Fargo.

The fixed investment of thousands is divided into 3: 500 + 300 + 200, respectively invest in stock base, convertible bonds, ordinary radical bonds**, the proportion is selected according to your own risk appetite, and the varieties are introduced earlier.

In short, you should be cautious in investing, have your own judgment, and do not believe the so-called recommendations and insider stories of others and friends around you. In **, following the crowd always suffers.

Yes, I'm also thinking about it, but this will not return much if you invest for at least three to five years, and if you only invest for one year, I am afraid that there will be no return!

I mind that you can invest 500 a month for about three years!

The Harvest 300 is a passive index**, with low fees, and fits the CSI 300 Index, which is possible. The principle of regular investment is to use long-term continuous and stable investment to avoid short-term volatility risks, so as to obtain the average rate of return of long-term returns. It is recommended that you consider 580002 Soochow Power, this **is the star of this year**type**, and the recent trend is good.

Before investing, you must first figure out three things, first, your own risk appetite.

If you can afford a loss of about 30 to 50%, you can invest in a high-risk index** or ****; If you can afford a loss of 10 to 20%, you can invest in a combination of **** and bonds**; If you can only afford a loss of less than 10%, it is recommended to invest in bonds**; If you just want to protect your capital, invest in currency**. High yield and high risk are twin brothers, and investors should pay attention to risks.

Second, financial needs.

If you invest 1w or 1000 a month, what you want to do with this money in the future should be understood in advance. Because different financial goals correspond to different investment products. For example, if you want to use this money to make a down payment on a home in a year's time, but you now invest that money in a high-risk index**, if the market is bad and you lose money after a year, do you redeem the house or continue to invest.

are all dilemmas.

Third, be clear about your income.

You must clearly know whether your income is stable, and if it is not stable enough, whether it is appropriate to invest 1000 a month. If there is a large fluctuation in income, it may cause the interruption of regular investment.

After understanding these three points, it is easy to find your own ** when you go to the **rating network. But there are a few things to keep in mind:

1.Choose the higher star rating**;

2.Select those with at least three years of historical performance**;

3.Choose the one with a lower fee, preferably with a back-end fee;

4.Long-term fixed investment selection index** or ****.

Hope it helps.

Everyone is young, and only when there are ideas can there be a future, hehe

There are many ways to learn, buy a book to learn to fry **and**, and if you encounter a word you don't understand, you can search it directly on the Internet. Or you can learn **** knowledge directly with the help of the Internet.

However, I suggest starting from the real thing, regular investment will not let you learn anything, or you have more ideas to control your own destiny.

My advice is always to open a funded account and buy and sell independently. Opening a capital account is generally free, go to the bank to find a business representative of the company, he will help you get everything, and you can also hand over simple operations.

It will be more useful for you to learn **and** related knowledge in your own exploration. When you have a certain understanding of this knowledge, don't rush to throw all the money into it at once, take your time, and when you feel that your success rate is relatively high, it is the time for you to spend money.

Also, if it is higher than 2000, the regular investment is generally not cost-effective, and the handling fee is too high. The buying and selling point is not something you can decide, maybe it will buy you the most ** at a regular time, and if you change it to your own operation, it will be easier to avoid the crest of the wave and find the opportunity to intervene at a low price!

Which person, Taiyuan's words can be communicated.

Learn the basic knowledge first, according to the amount of funds you have, plus if you have a fixed income, it is recommended to make a **regular investment, which saves a lot of trouble. To make a fixed investment, first choose the **type** with the top income. Then, choose a regular investment method, such as in the bank, in the company, in the company, you can do it.

2. Young people have a sense of investment, and it is not bad to learn.

You can read the Paul Times, there are a lot of various introductions about common **, hedging**, should be suitable for you.

There are two types: open and closed, and the open can be purchased directly at the company, or through various banks. Closed** must open **account** and buy it like buying and selling**.

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%. The handling fee is generally subscription, subscription, and redemption.

However, if you open online banking in the bank, there is a discount for purchasing **, and there is a discount if you buy in ****.