At present, there are three channels to buy overseas funds in China: you can invest in QDII funds launched by major domestic banks, most of which are global stock selection, with a high growth rate and high risks. There are also index funds to consider, but most of them have been established for a short time. You can register overseas securities accounts, such as Internet brokers such as First Trade and Interactive Brokers, because account management is very convenient. You can use domestic asset allocation and asset management platforms. For example, global asset allocation can be achieved through camouflage. By investing in eight overseas ETFs, respectively from Vanguard and Blackrock fund companies in the United States. Camouflage also launched the US dollar wealth management treasure, Baby US dollar assets, which is a bond fund ETF (mainly including US dollar cash and short-term debt) under Guggenheim Fund Company, with low risk and stable income. The purchase method is the same as that of domestic fund products, and it is also divided into two modes: full investment and fixed investment.
In addition, in terms of rates, the subscription fee for purchasing overseas funds will be more expensive than that for domestic funds, but there is little difference in management fees. Generally speaking, equity funds are higher, while bond funds and monetary funds are lower. Considering the liquidity, it depends on whether investors will keep their funds overseas or at home after redemption. If they stay overseas, there is little difference between liquidity and domestic funds. However, if they repatriate their funds after redemption, the speed will be slower because it involves foreign currency exchange. Any investment is risky. If there are difficulties, there are solutions, and if there are risks, there are certainly ways to control them. Adhere to long-term and diversified investment, and do not make professional investment. Technically control risks: under the principle of semi-warehouse operation, only half of the funds are allocated to high-yield funds and the other half are allocated to stable currencies, bonds or hedge funds when the general trend is not obvious.