家庭结余投资公式（Family balance investment formula）.docVIP

家庭结余投资公式（Family balance investment formula） Buy a fund, buy it on a one-time basis. Banks are looking for financial advisory counter The fund itself is an investment portfolio investment advice to choose two is enough, the rest can be in a one-time buy stock fund position, also can buy bonds or money funds. Risk is proportional to income If you want high returns, you can buy shares or buy funds Buying stock requires you to have an understanding of the stock market and to open an account with the securities company according to the bank account (set as a three party deposit). The minimum opening will be fixed by the securities company, which is usually $5000. Holding shares is equivalent to holding the assets of a listed company, so the price varies with the performance of the company and the supply and demand of the stock There are two types of open-end funds and closed-end funds, open-end funds can be directly in the fund company website (need to open online banking) or through various banks to buy. Closed-end funds must open stock accounts and buy like stocks. Open-end funds include currency, bond, capital and stock. Monetary fund without subscription and redemption fees, income equivalent to six months to one year deposits, can be redeemed at any time, will not lose money. Bond fund subscription and redemption fees are relatively low, income is generally greater than the monetary type, but there are also risks of loss, the loss will not be great. Stock funds buy and redeem the highest fees, fund assets are stocks, the stock market down, the fund will have a risk of loss, but if the stock market rose, there will be gains. Through long-term investment, the average annual yield of equity funds is about 18%~20%, and the average annual yield of bond funds is 7%~10%. Commission is generally subscribed 1%, purchase 1.5%, redemption 0.5%. However, if you open a net banking purchase in the bank, some funds have 0.6-0.8% purchase discount, and if you buy at the fund site,