Finishing analysis of various investment products (continually updated)

1, index funds

1.1, the definition of

Index funds in a particular index (such as the Shanghai and Shenzhen 300 Index, the S & P 500 index, the Nasdaq 100 index, the Nikkei 225 index, etc.) as the underlying index, and to the constituent stocks of the index for the investments by buying the index all or part of the constituent stocks to build portfolios to track the performance of the underlying index fund products.

It can be understood, index funds closely tracked the index (market) trend, the market rose it up, big grind it down.

1.2, and actively managed funds compare

Index funds are passively managed funds, but in the long run, most index funds outperform actively managed funds. Data show that a large part of the active management of the fund is over, but the broader market.

1.3 Local investment funds that need attention

The investment fund industry a significant impact on earnings, such as liquor, medicine and so on, all have the ability to cross CBBC;
It recommended that the funds dispersed to vote, rather than a single buy a lot of funds. This would damage caused by the election not because of greatly reduced, and individual investors, not too much time and resources to analyze whether the right time to buy the fund, and the fund is scheduled to vote can alleviate this problem.
As long as the funds do not redeem up, literally and fall are virtual, so do not be alarmed when the fall, they do not get out, they will not lose;
Buy index funds is actually buying fortunes, it represents the development direction of the country's overall economic situation;
Warren Buffett once said: If you can not hold a stock or fund for 10 years, then do not consider holding him for 10 minutes. Investment Fund is a need to time to measure the long-term plan, let go of the daily fluctuations, to focus on the future;
In fact, the fund's fees are very high, such as a fund's annual management fee adds up to a variety of 2% (which is to say relative to the total amount of money, in fact, very exaggerated), and this year's profit is 5 %. Then the equivalent of management fees account for 40% of revenue. Many funds might profit a year less than 5%, or even less than 2%. That earned too little, but also lose money. Therefore, in the selection of funds, fees need to pay attention to it.
In fact, the fund manager is a Hanlaobaoshou career, the ups and downs of the fund, will not affect their money, because they are fund investors earn money, which is a variety of management fees. They do not bear any risk, and the corresponding risk borne by investors.
In the selection of index funds, need to pick can keep up with the broader market and can not track the broader market index fund is not recommended.
Try to invest more funds positions, relatively stable, not easily be liquidated.
When the selection of funds try to pick the big fund company's products, because the big fund company's team in terms of fund analysis and management are doing better, more mature.

1.4, the Fund will vote
Fund investment, that is regularly referred to as investment funds. Fund will vote when the need to note the following:
Select can keep up with the broader market;
More recommended more volatile funds;
Index funds generally divided into Class A and Class C, the same name of Fund A and Class C, trends, fund managers are basically the same, the main difference is reflected in charges, Class A fund more than a subscription fee than Class C shares, and redemption rates are calculated according to the holding time, basically hold for more than 1--2 years after no redemption fees. And c class funds are no subscription fees, redemption words are more flexible, more than 7 days basically no cost, but more than a Class A fund sales fees. At first glance, then, class C shares much better than the A class, but if a long time some of the words (for example, more than two years, this time calculated according to different funds are not the same), can be reflected advantages of the Class A, will be charged getting less than class C. Because the front-end Class A subscription fee of only paid once to buy time, but the class C shares are selling service charge is deducted every day, so the more cost-effective the longer class A.
Fund investment, it is assumed that each issue does not fall, it is divided into fixed investment and not a regular fixed investment. Recommended ant wealth of "Hui is scheduled to vote" function, in the broader market overvalued, investment little less, buy more time, as some underestimated the long term, earnings will be more.

2, actively managed funds

Actively managed funds and index funds contrary, referring to the fund manager to actively managed funds, the fund will invest a predetermined direction, and specify the type of investment and investment strategies and active asset allocation investment fund.

But actively managed funds generally charge very high, in the long run, few can beat the index fund, so it is not recommended.

3, IMF

IMF words, such as Alipay inside the balance of treasure and micro letter change through, belong to the IMF, as well as various banks App also have similar products, such as speed surplus Construction Bank, the current Bank of rich, Zhao Zhao Ying Merchants Bank, etc. Wait.

The advantages of the Fund are as follows:

Stable income, loss rarely happens;
Access to convenient, more flexible funding; this depending on the product, some of the money inside the product ready for use, and some need to remove every other day.

But there are drawbacks:

Low income, basic run inflation does not win;
There is also a loss, such as the financial crisis or huge redemption will result in a loss of the IMF;

4, target date funds

According to retirement investors is a "target date" established pension investment vehicles. Investors only need to know their expected retirement age, you can choose an appropriate fund. Over time, the fund manager will rebalance the portfolio so that the portfolio of the fund tend to be conservative, so that the risk of the portfolio at risk the ability to adapt investors to take different ages.

But the good development fund established on the basis of the two:

Bonds are safe;
Fluctuations and fluctuations in the direction of the stock bonds Conversely, when the stock market fell, bonds rise;

Advantages and disadvantages as follows:

It provides a more optimized pension asset allocation, eliminating the need for individual investors due to ignorance of the situation caused by extreme asset allocation.
According to investor's age, adjust the position of risk. Basically, the smaller the greater the risk of age;
But the above is based on the bonds, once the debt becomes unsafe, it will lose a lot on a stable and secure foundation;
There is a double charge, the date when the investment objective of the fund, the fund manager will mainly invest in other funds, the fee may be a little high.

5, bond funds

Bond funds, also known as bond funds, refers to a special fund to invest in bonds, which, on the bonds portfolio by focusing on funds of many investors to seek more stable returns.

Government bonds, financial institutions, businesses and other institutions to borrow directly to the community to raise funds issued to investors and promise to pay a certain interest rate in accordance with the agreed terms of debt repayment of the principal debt obligations.

According to China Securities Regulatory Commission on the fund category classification criteria, more than 80% of fund assets invested in bond funds for the bonds. Bond funds can also have a small part of the funds invested in the stock market, in addition, investing in convertible bonds and bond funds also get shares hit an important channel for revenue.

In China, the bond fund invests mainly government bonds, financial bonds and corporate bonds. In general, bonds offer investors a fixed return and principal repayments, the risk is lower than the stock, so compared to equity funds, bond funds have a stable income, low risk characteristics.

But bonds are not completely stable, it is possible the occurrence of a loss, but the risk is less than the stock, higher than the IMF.

6, bonds

Also known as the National Treasury bonds, the country with its credit-based, in accordance with the general principles bonds, credit and debt is formed by issuing bonds to raise funds to social relations. Treasury bonds the central government is a government for the mobilization of financial funds issued by the central government issued to investors, promising to pay interest in a certain period and is due for repayment of principal debt debt obligations, due to the main issue of treasury bonds of the state, so it has the highest credit rating, is recognized as the safest investment vehicles.

Government bonds and bank deposits do comparison:

Security: Treasuries higher than the deposit;
Interest: Treasuries higher than the deposit;
Liquidity: Strong bonds. If you regularly spend in advance, in accordance with current interest rate is calculated, in accordance with national debt is held by the time sub-file interest;
Convenience: Because government bonds are very strong in all aspects of properties, it is not good to buy government bonds -

7, pension

Follow-up look, supplement.

8, stocks

The risk is too high, there is no time to study, so do not touch

9, real estate

No capital, temporarily not touch ~

10, gold

War to buy gold. Mainly used to buy gold hedge, hedge. Price volatility is mainly related to the situation and large, when the political, economic and other aspects of the occurrence of greater volatility, you can choose to buy gold as a hedge and a hedge.

Money Subtotal:

Try not to loss of the entire asset allocation, for example, if a loss of 5%, then back to the need for money is 5%, if a loss of 20%, then you need to make money back to the 25%; and 50% loss, you need to make money 100%; a little more exaggerated, if the loss of 90%, then you need to earn 900%. A loss of money needed to make up a lot of time to make money, do not have to win more time to loss of more impact.
The power of compound interest is very strong, anything multiplied by time is very powerful.