Financial product
Bond
classification
Alipay-Yu'ebao
WeChat-Lingqiantong (with benefits from irregular periods , red envelopes for wealth management)
Bank fixed deposits ranging from 30 days to 5 years
Index fund, a stock fund
Recommendation-Index Fund Fixed Investment
"The road is tortuous, but the future is bright", which is very appropriate to describe the fixed investment of index funds.
Investing in the stock market
Naturally, it is an investment method to diversify risks.
Because it will help you buy hundreds of stocks at the same time, avoiding the whole position of stepping on thunder and junk stocks;
Retaliatory saving
For index funds, more than 95% of the money is used to buy index stocks, and price fluctuations will be quite severe.
In a bull market, index funds rose the most, and in a bear market, index funds fell the worst.
Related concepts
Seven-day annualized rate of return
The total income of the past 7 days divided by 365 days is the 7-day annualized rate of return of the wealth management product!
Different from the annualized rate of return, this rate of return is not a fixed number, because it only represents the fund's return in the past week!
There are 52 seven-day annualized rates of return in a year, so this indicator is of little reference! Some financial products have short-term returns of up to 7%, and then quickly drop to 2%!
The seven-day annualized rate of return is generally used by fund companies as a gimmick to promote products!
Annualized rate of return/annualized net value growth
The total income in the past year (365 days), this rate of return is a fixed number!
The annualized rate of return can directly reflect the level of return of the fund , and is the most important reference indicator for fixed-income financial products!
| name | Seven-day annualized/10,000 shares of income |
|---|---|
| Yu'ebao | 2.83/0.68 |
| Change Money | 2.58/0.71 |
If the seven-day annualized interest rate has been maintained, the one-year return is 10000 * 2.83% = the
return rate in the 283 fund this year is 10%, so far 10000 * 10% = 100, the total return rate is about 25%
Fund naming rules
Fund company + index name + suffix
Suffixes are prioritized in suffixes- Link A, Link (LOF) A, ETF
suffixes with enhancement, value, B, C, etc. are not considered
Top ten fund company names
CSI 300 Index
It consists of the largest and most liquid 300 stocks in A shares, covering 60% of the market value of A shares, and can best reflect the overall market trend .
Buy A for a long time (more than one year); buy C for a short time, but more than 7 days
Suffixes "A, B, C"
Buy A for a long time; buy C for a short time, but more than 7 days
CSI Series 100~1000
Priority to CSI 100, then 1000
(1) CSI 300 = CSI 100 + CSI 200
(2) CSI 700 = CSI 200 + CSI 500
(3) CSI 800 = CSI 300 + CSI 500
The stocks of listed companies are divided into A shares, B shares, H shares, etc.
The official name of A-shares is RMB common stock. It is a common stock issued by a company in China for domestic institutions, organizations or individuals (excluding investors from Taiwan, Hong Kong, and Australia) to subscribe and trade in RMB. After several years of rapid development, my country's A-share stock market has begun to take shape.
The official name of the B-share is RMB Special Stock. It is a stock denominated in Renminbi, subscribed and traded in foreign currency, and listed and traded on the domestic (Shanghai, Shenzhen) stock exchanges.
H shares, also known as overseas listed foreign shares, are shares issued and listed overseas by domestic listed companies .
Fixed investment
"Regular, fixed, and partial" buying.
For example, spend 1,000 yuan on the 10th of each month to buy the CSI 300 Index Fund.
You can order manually, just buy if it drops
fund
Active stock funds and passive stock funds
Active stock fund-selected by the fund manager
Passive stock fund-index fund
Active stock fund
Passive stock fund
Wide base
I do not agree to invest in the A-share broad-based index, because the return is too low, but in order to cater for the needs of newcomers. --stable