Buy fund or virtual currency

1. The risk of monetary fund is lower than that of stock fund. Insurance financing is not recommended, insurance is the prevention of unknown risks, to life insurance, property insurance, automobile insurance, personal accident insurance. There are conditions to consider. Financial insurance income is not as good as bank regular income. The influence risk of virtual currency financial management policy is still very large. Recently popular balance treasure (Monetary Fund) P2P (fixed income) are good. You can learn more and try to do a few first

2. In the case of CMB, the differences between selling funds on a commission basis and entrusted financing are as follows:
1; The starting point of entrusted financial management application is 50000 yuan or more
2. Liquidity: the liquidity of the fund is strong. Except for specific procts, the entrusted financing generally has a fixed term
3. Risk: the principal risk of most funds is higher than that of entrusted financing
4. Income: the fund is managed and operated by the fund company, and the net value of the fund is announced on each trading day; Entrusted financing is managed and operated by China Merchants Bank, and the rate of return is announced by the bank
5. Handling fee: most funds charge subscription and redemption fees; In addition to specific procts, most of the entrusted financial management have no subscription and redemption fees.

3. First of all, we need to clarify the concept. Fixed investment means investment by stages, and direct purchase is a one-time investment. This belongs to the category of investment. However, the monetary fund belongs to the extremely low risk level project and the bank deposit belongs to class A, and the income is equal to the deposit interest rate. Although his name feels like an investment. But his nature is closer to saving. So fixed investment and direct buying have little influence. If you have money, buy it. If you want to form the habit of saving money, sign a fixed investment.

4. Why we invest and why we don't save money is just to get some return. Buy fund also need to plan, to build a suitable fund portfolio. Single to buy stock funds yield high, but also bear a huge risk. Single to buy bond funds, monetary funds or capital preservation funds, the risk is small, but the return is also very small, which is not desirable for investors. Therefore, our investors should build their own portfolio and adjust the proportion of various investment procts according to the risks they can bear. Conservatives allocate more bond funds, while radicals allocate more stock funds

I'll just mention that if the risk tolerance of the building owner is relatively small, the bond fund is better, with low risk and moderate return ratio. The liquidity of monetary fund is strong, but the income is very low, which is almost the same as savings. As interest rates rise, the value of the bonds becomes smaller. GF strong debt income is partial debt fund, and the recent performance is good

reasons for recommendation:

1. The global economic slowdown and the continuous adjustment of the stock market have brought great opportunities to the bond market. The downward trend of interest rate will become a long-term trend. The abundant funds in the inter-bank market provide a good macro environment for the bond market to continue its early strength. Bond funds are facing more investment opportunities<

2. In terms of structural design, GF strong bond embodies the two concepts of safety and risk control, with an increase of 7.30% in the recent half year, far ahead of other bond funds, and with good performance stability, GF strong bond has been recommended by many research institutions

3. The rate of GF strong bond is unique in design. There is no subscription fee and subscription fee, and the redemption rate is only 0.1%. If the holding period exceeds 30 days (including 30 days), there is no redemption fee, which effectively reces the handling fee of investors. For the indivial investors who avoid the fluctuation of the stock market and pursue the value preservation and appreciation of assets, as well as the steady institutional investors, the low-risk and medium income financial procts are still the first choice. In view of the above situation, we think the fund is more suitable for the current market situation, and suggest investors actively apply for it.

5. Please enter the homepage of CMB www.cmbchina.com Select "deposit interest rate" under "real time financial information" on the lower right side of the webpage to view the current deposit interest rate of China Merchants Bank
CMB also has consignment funds. You can refer to CMB's five star fund http://fund.cmbchina.com/FundPages/OpenFund/OpenFundFilter.aspx?Filter=00000050 Warm tips: the fund has risks and investment should be cautious.

6. To buy lottery is to gamble. It must be good to buy Monetary Fund. The income of Monetary Fund will buy lottery later

7. Look at yourself, but before you do, you can calculate a sum of money to see which kind of income is higher. You don't have much money. If you want to get high returns, you need to choose a good financial proct. At the same time, you need to pay attention to the risk of the proct.

8. Monetary Fund is a kind of fund proct with low risk. So far, no loss has been seen. The expected return is slightly higher than that of the bank's one-year term, which is similar to that of treasury bonds, but much more flexible
you can invest the money you are prepared to spend in money funds.
a mixed fund is a fund that invests in stocks and bonds according to a certain ratio. The risk is lower than that of a pure stock fund, and the return is certainly not so high. It is a proct that investors with low risk preference can focus on
the expected return is uncertain and there is a possibility of loss.