I have been communicating with you in easy-to-understand Chinese to let you know what a graded fund is. It's actually quite simple. For example, a mother gave birth to two children, one is very honest and the other is very noisy. Some people think that honest children may live a stable life after being honest, but they will not achieve much. However, some people think that the thin child is disobedient and will either become a social scum or get rich in the future.
Graded funds have two different investment methods and return on investment: A-side and B-side. Let's talk about side a first:
Side A: It is a fixed expected annualized expected return. For example, the expected annualized expected return is about 5% per year. If you invest 6,543.8+0,000 yuan, no matter whether the market goes up or down, there will be about 50,000 yuan of income every year. (The historical expectation is different from the annualized expected return. You can go to the website to see it. I use 5% as a metaphor. What kind of investment on the A side is suitable for those investors? Older investors who have no ability to resist risks and pursue stability.
B: This is not a fixed expected annualized expected return, because the leverage risk is still relatively large. Well said, if it goes up, it will not only pay the fixed expected annualized expected income at the A end, but also lose more money. I'll tell you more about B-side later.
Well, if someone doesn't know what a graded fund is, I'll tell you in the form of a story:
Lao Zhang is very old, but he also wants to invest, but because he is old and has no ability to choose stocks, he feels that the stock risk is particularly high, but he feels that the bank's interest rate is very low. What should I do? He was introduced by others, and said that the graded fund was good, so he went to be a graded fund. He took out 6,543,800 yuan and bought the A-end of the graded fund. Because I was too old to resist the risk, I chose the A end. According to the annual interest rate of 654.38+00%, after one year, Lao Zhang should get 654.38+065.438+00,000 yuan, no matter whether the market goes up or down, it is endless. If this is the case, at this time, there is a Xiao Liu who has some money in his hand, but there is no place to invest. He wants to invest in the stock market but can't pick stocks, but he can take risks and want to make a lot of money. It was said that the grading fund could help him, so he went to buy the B end of the grading fund. Because I am young and risk-resistant, I bought 500,000 B-end.
Lao Zhang bought 654.38+00,000 terminals and Xiao Liu bought 500,000 terminals, adding up to 654.38+05,000. When the index rises by 40%, it is equal to 654.38+0.5 million, rising to 265.438+0 million. How will this 265,438+million be distributed to Lao Zhang and Xiao Liu?
265,438+ten thousand minus Lao Zhang's principal of 654,38+ten thousand+654,380+ten thousand Lao Zhang's fixed expected annualized expected income = 654,380+ten thousand.
The remaining 1 10,000 yuan belongs to Xiao Liu, which means that Xiao Liu invested 500,000 yuan and made a profit of 500,000 yuan, which doubled. This is a lever.
But the risks are also great. When the index falls by 20%, it is equal to 1.5 million-300,000 = 1.2 million.
120- Lao Zhang's 165438+ million = 65438+ million.
This 6,543,800 yuan belongs to Xiao Liu, with a principal of 500,000 yuan, leaving 6,543,800 yuan. So the risk is also great.
So let me give you some advice: the bear market should be on the A side (both ups and downs make money), and the bull market should be on the B side (with high risk and expected annualized expected return).
However, I still suggest that everyone should have their own ability to choose stocks, their own judgment, put the money in their own hands, and let them operate. Don't rely on others!