Main varieties:
Money fund, the balance treasure that most people have heard of, is a product that almost every fund company has. The yield is probably slightly higher than one year. In fact, the annualized rate of return of each company is not much different. There is no need to waste time to grasp the 7-day yield. Liquidity has been very good under the promotion of Yu 'ebao. The main cash management tool is Yu 'ebao, so it is recommended to hedge with another money fund of other fund companies.
Bond funds, personally, are a kind of chicken ribs, because most bond funds have leverage, which increases volatility, but the fluctuation of net value is very uncomfortable. If you want to fluctuate, you might as well buy stocks. If you want to be stable, you might as well buy some high-rated corporate bonds yourself.
Stock funds, the main varieties in the market, are various, mainly divided into active and passive types. The difference between active funds is very big, depending on the fund manager. Different rates of return can vary greatly in the same year, and winning generals are very scarce. Personally, those who want to rank in the top ten of that year must be excellent and have extreme styles. They just adapt to the market style of that year, so the rate of return is ahead, but it is difficult to predict the rapid change of market style. Personal style is also difficult to change. This year's Man Cang sounding is a script, just like it is difficult to ask a right-handed person to write with his left hand suddenly, but also to write beautifully. My personal suggestion is to choose writing that can be stable in the top 1/3 all the year round, with little decline in performance. This general style is relatively stable and suitable for long-term holding. In the long run, it is ups and downs, striving for progress in stability. Personally, I prefer a slow and steady, comfortable sleep. Passive funds are generally all kinds of index funds, tracking all kinds of major indexes, the most commonly heard should be the Shanghai and Shenzhen 300. In the long run, this is the average income of the market, and it is also the object of various active fund managers' wits. If you believe that the China stock market is promising for a long time, it is a good choice to invest in the Shanghai and Shenzhen 300 and cash in the gains in time. Of course, there are many categories. Again, you should read more about the varieties you want to invest in.
2. stocks
The annual rate of return:-100% ~ 1000% is possible, depending on the concentration of shareholding and investment ability, there are too many influencing factors. ...
Generally speaking, I don't recommend others to toss the stock, because there are great-grandchildren left by PetroChina, the liquidity is reduced, the chairman bought a Rolls Royce himself, and returned to Zhangzidao the night before liberation, where there are many unbearable joys for ordinary people, and this market also has its unique effectiveness. Beginners have to pay tuition when they come in. The experience after three years is 1) unfocused. Even if you think it's better than Apple+Google ... the investment is not absolute, even if the judgment is correct, there are black swans, and the time to cash in the proceeds is uncertain. I died the worst in the darkness before dawn, because I would be too concentrated and lack of money; 2) Don't add lever. If the leverage of the stock is servant street, you can't get a penny back directly. Consumer leverage is like a mortgage. As long as you have to repay the loan, it is yours. Don't borrow money, use spare money, so you have a better attitude, and it won't affect your daily life in case you go out of the servant street. I have seen a lot of such news recently. Adding leverage means that you may wake up in heaven and have nothing. 3) Think independently, and know why, why to buy, when to leave, and what the expected return is. It's not because of inside information from colleagues. There will be no pie in the sky, find your own style, eat all over the sky, and make endless money. Forget it.
First, recognize cowardice, increase the income, concentrate on holding shares and leverage will greatly amplify the income, but it will also greatly amplify the loss, and all the excitement has been played. The feeling of heartbeat is unbearable, and stability is king.
Step 3 combine
Annual yield:-100% ~ 10%
There are many kinds of corporate bonds, so there is no need to say more without in-depth understanding. It is estimated that more and more corporate bonds will default in the short term. Mind you, the interest tax is 20%. When we look at income, we should look at after-tax income. Let me start with my favorite convertible bonds. Domestic convertible bonds are still rich in terms. Selling back and jumping to the stock price are all favorable conditions for investors, but the coupon interest is generally not high. The prices and terms of each issuing company are quite different and need to be specifically understood. The price trend of convertible bonds basically copied the price trend of stocks, with bonds falling and stocks rising. It can be understood as a guaranteed lottery, but its disadvantages are tepid, slow walking and low interest. There will be surprises only if you win the lottery. If you choose this variety, you must reasonably expect it and get happiness in stability. The general selection criterion is the after-tax annualized rate of return of large-cap stocks and low-PB stocks, and the absolute price of small-cap stocks and high-PB stocks is below 1 10. Think about it when the repurchase price is nearby, and recommend a website: Thought Collection-Low Risk Investment, which has good bond information.
4、P2P
Annual yield:-100% ~ 20%
This is a typical investment method with mismatched risks and returns. One by one, in the name of internet finance, it is euphemistically called innovation, so-called decentralization, or a pool of funds. In fact, if you think about financial management carefully, it is actually credit. In this mode of asymmetric information, the risk of lending is extremely high. Second, this income is based on the borrower's profitability, and no business can withstand the damage of high interest rates. In essence, I am not optimistic about the so-called P2P. Even if the model is scientific, there is bound to be the possibility of bad debts. Think of yourself as a bank. If the principal is divided into more than 20 loans, the impact of bad debts will be alleviated. If it is not dispersed, all the bad debts will be done in vain. Now that the bank's bad debt rate has risen a little, this risk control is not something you can do if you want. Let's take a step back. Not to mention the bankruptcy risk of P2P platform. This is the business of taking chestnuts out of the fire with the emperor's heart and selling cabbage to make money. ...
5. Others
Annual rate of return: ...
Often open the web page to see, or all kinds of foreign exchange, gold, Hang Seng Index futures, art share trading, etc. recommended by legendary masters are actually electronic trading, real pits, and even pits disclosed by CCTV. I think the Tianjin Cultural Property Exchange really claimed to bring Alto in and Audi out at the beginning. Later, others changed the trading rules. The fluctuation of 1% a day has been forgotten, and there are all kinds of wonderful regulations. The result is an infinite limit. Later, the Audi never came out, so don't worry about anything that has never heard of the source but is very profitable.