Regarding the fixed investment of the fund, whether it is high-risk and high-yield, it is a steady capital preservation and guaranteed income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
According to my friend's situation, I suggest you make cash, not limited to investment funds, suitable for everyone to operate. There are also night dishes, which are also suitable for tired office workers. His service fee is low, unlike the stock market, which relies on technology and experience and has professional guidance. As long as you are not greedy, you will get a small return every day. In view of your friend's situation, you must want to invest in an industry with low risk, low profit and moderate profit. This industry is good and worth considering.
The insiders believe that, first of all, investors should fully realize the fact that "as long as they invest, there will be risks", and have a full understanding of the characteristics and types of investment wealth management products before investing, and don't blindly expect too much. Facts have proved that investors can take controllable risks only when they fully understand the potential of the market, companies and products when choosing investment products.
Secondly, investors should know themselves and have a clear understanding of their risk-taking ability. To put it bluntly, it is how much money to save your life. For ordinary investors, a general principle is to "invest with idle money", which means that even if this part of the funds is risky, it will not affect normal life.
In addition, I suggest you read more books on investment and financial management, join some Q groups, recruit more people to chat and enjoy resources.
I hope this helps you.
Of course, I personally suggest that you read more books in this field, learn relevant technologies, and have a solid mind. You should have your own independent thoughts and judgments, and you can't blindly follow them. That would be more effective. In addition, you can add more Q groups and find more people to chat, exchange and summarize.
This year, 20 12 fund has great development space and potential for fixed investment and spot investment. You should communicate with others more, I hope this will help you. )