Du Xiaoman's regular income is a fund portfolio product under the Jingdong financial platform. The fund portfolio can be divided into 90-day fixed income, 65,438+080-day fixed income, 270-day fixed income, 360-day fixed income and other products according to the different use cycles of investors' funds. The starting investment threshold of these products is 65,438+0,000 yuan, which is suitable for investors with low risk appetite. With the longer the product holding cycle, Du Xiaoman gets regular income.
Among them, the fund portfolio with small 360-day full-term return is provided by Xingquan Fund Management Co., Ltd., mainly bond funds and partial debt conservative mixed funds, supplemented by partial stock mixed funds. The purpose of this asset allocation is to control risks, but also to control fluctuations in a relatively low range and strictly control the maximum withdrawal.
The 360-day fixed-term income fund portfolio has the following advantages:
1, diversifying investment risks. Compared with the centralized purchase of a certain fund, the fund portfolio with 360-day fixed income can effectively spread the investment risk, because the fund portfolio with 360-day fixed income is equivalent to all funds in the portfolio at the same time, and the investment risk can be spread, because the fund portfolio includes bond funds, hybrid funds and equity funds.
2. Better achieve investment goals. The 360-day fixed investment fund portfolio mainly focuses on bond funds in asset allocation, aiming at stable operation, and the goal of investing in small proportion of hybrid funds and equity funds is to improve income. This combination can realize stable asset appreciation on the premise of pursuing low fluctuation.
3. The income is considerable. From the historical data, the historical back-testing annualized rate of return of the 360-day fund portfolio with short term is in the range of 5.33%- 13.04%. Investors who buy a 360-day fund portfolio at any time in history are profitable, and the annualized rate of return is more than 10%, far exceeding the overall income level of money funds and bank wealth management.
Summary: 360-day small full-term income fund portfolio is a fund portfolio product provided by Xingquan Fund Management Co., Ltd. This portfolio is mainly composed of bond funds and conservative mixed funds with partial debts, supplemented by mixed funds with partial stocks, which can effectively diversify investment risks, control fluctuations in a relatively low range and strictly control the maximum withdrawal amount. The historical income of products is more advantageous than the overall income of bank wealth management and money funds.