Choose The Right Fund &Nbsp; Asset Management Can Attack And Defend.

The year-end award is a reward for every year's hard work for every employee. It is an affirmation of self and an annual expectation.

We will interview various financial experts, through a series of reports, to provide you with the year-end bonus savings and purchase funds, bank financial products, insurance and financial products and other suggestions.

Financial Review

In fact, although interest rates were raised twice last year, it did not change the pattern of real interest rates being negative.

Current one-year period

A previous depositor survey conducted by the central bank also pointed out that the proportion of residents choosing to invest is larger than that of savings. The fund is still an omnipotent player in many financial products.

Prudent investor

Fixed income products against inflation

For many investors with poor risk tolerance, their investment objective is mainly to fight inflation and not to expect high returns.

Such year-end awards are suitable for investment in fixed income products, such as some bond funds.

Frank J France, an academic leader in the US fixed income securities industry, confirms the attraction of the fixed income market from one side.

In his book, he said, "70% of Microsoft's investment in the past 3 years is fixed income securities, with an average return on investment of 7.3%, and the income is equivalent to the profits earned by the products sold for 3 billion dollars".

In China, buying stocks in the past ten years is not as good as buying bonds. Fixed income products are widely recognized as an essential condiment.

When the stock market outlook is uncertain and the economic environment is uncertain, the "safe haven" effect of bond funds is heating up again.

Han Haiping, manager of USTB's stable profit increase fund, said: "regardless of equity or fixed income assets this year, the challenges and uncertainties are increasing. The trend of opportunities is hard to reproduce. This year, the overall expected yield of bond funds will return to normal, but overall, the chances of bond market will still be greater than that of the stock market."

At present, domestic bond funds, Huafu income, Shen Wan Paris Tian Yi Bao, rich country optimization and enhancement, Naganobu Litoyo, UBS steady increase in profits, Industrial Bank strong debt A and other debt base were good last year.

Risk tolerance is not strong.

The fund is a good choice

except

In 2010, the Shanghai Composite Index fell 14.3%, with more than 70% of individual investors losing money and more than 10% of investors losing more than 40%.

The guaranteed fund has not only realized the principal guarantee, but also made considerable gains.

WIND data show that as of December 31, 2010, in addition to Yinhua Bao value added deficit of 0.03%, southern Hengyuan guaranteed capital, South hedge value added, Bank of the three mixed capital guaranteed funds in 2010 achieved positive returns, and won the CPI.

However, because of the reasons of product design, investors usually have the opportunity to intervene when the issue or product is extended.

After the new year's day, the market continued to shake, which accelerated the application of the fund Guaranteed Fund. The information of the CSRC website showed that as of January 25th, there were 11 guaranteed funds waiting for approval.

Risk preference

Opportunities for equity funds are more {page_break}

For investors with strong risk tolerance, the stock market is still at a low level both in terms of valuation and market sentiment. If we invest in the stock market at this stage, if we look at the stock market from a longer period of time, we will have a bigger profit opportunity.

Investors can follow the "100 rule of investment", that is, 100 minus the age of investors to invest in high-risk funds, while the rest are allocated to low risk funds.

A 25 year old investor, 100 minus the age of 75, has 75% of its total assets, which can be used to purchase a more risky equity fund. The remaining 25% can buy some relatively stable fund varieties such as currencies and bonds. If the investor is 50 years old, he suggests investing 50% stocks in the fund assets to increase the profitability of the assets, while the proportion of the funds that invest in a more stable fund should be increased to 50%.

The "100 rule of investment" is only a rough asset allocation method. We can also strengthen it on this basis, for example, increase the radical share of the classified fund, and expand the investment proportion in the stock market by using the leverage of the classified fund.

In terms of product selection, last year's major companies were cashmere, Huaxia,

Indecisive

Optional Monetary Fund

Because the market direction is not clear, some investors have not yet decided what kind of assets to invest in. Such people belong to the type of investment that does not see rabbits without hawks.

For these hesitant investors, it is recommended to turn the year-end bonus into a monetary fund.

Money market funds are highly mobile, and purchase and redemption are all zero processing costs, reducing paction costs.

Apart from the characteristics of general fund, such as expert financial management and decentralized investment, the liquidity of money market funds is very good, which is mainly due to the relatively low risk and high liquidity market in which the money market is invested.

At the same time, investors can not be restricted by period, and can purchase, redeem and convert at any time.

In addition, money market funds usually do not charge for purchase and redemption, and their management fees are also low. The annual management cost of money market funds is about 0.25% to 1% of the net assets of the fund, while the annual management fees of equity funds are generally between 1% and 2.5%.

From a global perspective, money market funds have become the best tool for many families to manage cash assets.

First, we will buy idle money into a money market fund to raise the utilization efficiency of idle funds, and we will turn the stock market into a stock and allocation fund.

From last year's performance, Wanjia currency, Bo Shi cash, Huaxia cash and Yinhua currency are all good choices.