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随着股市的好转,基金市场也着实跟着火了一把。没有投资经验的你该如何挑选适合自己的基金产品呢?理财专家教你两种最常用的基金投资方法。定期定投法:这种方式的好处在于门槛低,起点一般为100—300元,而且能平均成本、分散风险,类似于“零存整取”储蓄,非常适合“懒人理财”。基金转换法:是指投资者在基金存续期间,要求将持有的全部或部分基金份额转换为同一基金管理人管理的其他开放式基金。这种方式的好处在于,节省时间,节省费用。如在行情好转时,把货币基金转换成股票基金;行情不好时,又可把股票基金转换成货币基金。
With the improvement of the stock market, the fund market has really followed a fire. How do you choose the right fund product without investment experience? Wealth management experts teach you the two most commonly used fund investment methods. Regularly scheduled investment law: The benefits of this approach is that the threshold is low, the starting point is generally 100-300 yuan, but also the average cost, spread the risk, similar to the “zero deposit take” savings, ideal for “lazy financial management.” Fund conversion method: refers to the investors during the existence of the Fund, all or part of the fund held by the share converted into the same fund managers to manage other open-end funds. The benefit of this approach is that it saves you time and money. Such as when the market improves, the monetary funds into equity funds; market is not good, but also the stock funds into money funds.