币圈彭松 币圈大佬的故事

⑴ 现有彭华动力和懂吴动力,再买点什么好

1. 是投资都有风险,高风险,高收益;零风险,零收益。我想既然基金已经比股票风险低了,我就买股票型基金。但这也是风险最高的基金。

2. 一般来说,货币基金和债券基金风险较低。

3. 还有一种保本基金。

保本基金是一种风险很低的基金品种,在所有现有的基金产品中,保本基金的投资风险是最低的,这是因为保本基金保障了投资者持有基金到期能够获得本金保证。具体来看,保本基金具有以下特点:

(1)本金保障。由于保本基金的核心特点就是在投资者持有基金到期时可以获得本金保证,因此,投资者投资于保本基金就可以使本金免受损失。在风险特性上,保本基金的投资风险明显低于其他基金品种,特别适合于那些不能承受本金受损,但又希望能够在一定程度上参与证券市场投资的投资人。

(2)半封闭性。保本基金都会规定一个保本期,基金持有人只有持有该保本基金到期,才能获得保本的保证,而在保本期内赎回则不会获得保本保证,投资者不仅要自己承担基金净值波动的风险,而且还可能要支付较高的赎回费用。另外,保本期内一般不接受基金的申购。这种半封闭性使得保本基金较适合于以中长期投资为目标的投资人。

(3)增值潜力。保本基金在保证投资者本金安全的同时,通过股票或各种金融衍生产品的投资分享证券市场的收益。与银行存款或国债投资相比,保本基金具有较高的增值潜力,在同样保证本金回报的同时,具有较高的预期收益。

只要保本基金的基金合同中明确说明了100%或以上的本金保证,投资于保本基金并持有到期就一定不会赔钱。保本基金会从两个方面来保证投资者持有基金到期可以至少拿回本金:一方面,保本基金通过一种以保本为基础的投资策略来保证基金的资产净值在到期日能够保持在本金之上;另一方面,保本基金会引入商业银行、保险公司或其他的专业担保机构对本金保证提供第三方的担保,万一到期的基金净值低于本金,担保方将保证投资者能够拿回足额的本金。有了这样的双重保障,投资者完全没有本金损失的后顾之忧。

当然,还有两点也是投资于保本基金的投资者需要注意的:

第一、保本基金的保本保障是对于持有基金到期的投资者而言的,而对于那些未到期就提前赎回的投资者来说,他们只能按照当时的基金净值来赎回手中所持有的基金份额,这样,他们就要自己承担基金净值波动带来的风险,不能保证不赔钱,同时还需要支付较高的赎回费用。

第二、有些保本基金为了提高基金分享证券市场收益的能力,可能在保证条款中只保证一部分(如95%)的本金。在这种情况之下,投资者持有基金到期将至少拿回一定比例(如95%)的本金。

目前有四个保本基金:

银华保本增值;

宝石动力保本;

南方避险增值;

国泰金鹿保本。

⑵ 京东小金库彭华和嘉实哪个收益高

2014年嘉实的货币基金在宝宝类产品里收益是最高的,推荐使用官方APP嘉实理财嘉购买,可以快速存取。


⑴ Currently there are Penghua Dynamics and Dongwu Dynamics, what should I buy?

1. Investments have risks, high risks, high returns; zero risk, zero returns. I think since funds are already less risky than stocks, I will buy stock funds. But it's also the riskiest fund.

2. Generally speaking, currency funds and bond funds have lower risks.

3. There is also a capital guaranteed fund.

Capital-guaranteed funds are a type of fund with very low risks. Among all existing fund products, the investment risk of capital-guaranteed funds is the lowest. This is because capital-guaranteed funds protect investors from holding funds. The principal can be guaranteed upon maturity. Specifically, capital guaranteed funds have the following characteristics:

(1) Principal protection. Since the core feature of capital-preserved funds is that investors can obtain principal guarantees when the fund matures, investors can avoid principal losses by investing in capital-preserved funds. In terms of risk characteristics, the investment risk of capital-guaranteed funds is significantly lower than that of other fund types. It is especially suitable for investors who cannot bear the loss of principal but hope to participate in securities market investments to a certain extent.

(2) Semi-closed property. Capital-guaranteed funds will all stipulate a capital-guaranteed period. Fund holders can only obtain the guarantee of capital preservation if they hold the capital-guaranteed fund until it expires. However, if they redeem within the capital-guaranteed period, they will not obtain the guarantee of capital preservation. Investors must not only bear the funds themselves The risk of net worth fluctuations and the possibility of higher redemption fees. In addition, fund subscriptions are generally not accepted during the capital guarantee period. This semi-closed nature makes capital-guaranteed funds more suitable for investors with medium- and long-term investment goals.

(3) Value-added potential. While ensuring the safety of investors' principal, capital-guaranteed funds share the returns from the securities market through investments in stocks or various financial derivatives. Compared with bank deposits or treasury bond investments, capital-guaranteed funds have higher potential for appreciation and have higher expected returns while also guaranteeing the return of principal.

As long as the fund contract of the capital-guaranteed fund clearly states that 100% or more of the principal is guaranteed, you will definitely not lose money if you invest in the capital-guaranteed fund and hold it until maturity. Capital-preserved funds ensure that investors can get back at least their principal when holding the fund from two aspects: On the one hand, capital-preserved funds use an investment strategy based on capital preservation to ensure that the net asset value of the fund can be maintained on the maturity date. On the other hand, the capital guarantee fund introduces commercial banks, insurance companies or other professional guarantee institutions to provide third-party guarantees for the principal guarantee. In the event that the net value of the fund expires is lower than the principal, the guarantor will guarantee Investors can get back the full amount of their principal. With such double protection, investors have no worries about loss of principal.

Of course, there are two other points that investors who invest in capital-guaranteed funds need to pay attention to:

First, the capital-guaranteed guarantee of a capital-guaranteed fund is for those who hold the fund.For investors who have matured, and for those investors who have redeemed in advance before maturity, they can only redeem the fund shares they hold according to the net value of the fund at that time. In this way, they have to themselves Bearing the risks caused by fluctuations in the net value of the fund cannot guarantee that you will not lose money, and you will also need to pay higher redemption fees.

Second, some capital-guaranteed funds may only guarantee a portion (such as 95%) of the principal in the guarantee terms in order to improve the fund's ability to share securities market returns. In this case, investors will get back at least a certain percentage (such as 95%) of their principal when holding the fund.

Currently there are four capital-preserving funds:

Yinhua Capital Preservation and Appreciation;

Gem Power Capital Preservation;

Southern Avoidance Insurance value increases;

Cathay Golden Deer guarantees capital.

⑵ Which one has higher returns, JD.com Penghua or Harvest?

In 2014, Harvest’s monetary fund had the highest return among baby products. It is recommended to use the official APP Harvest Financial Management to purchase. Can be accessed quickly.

本文来源: 网络 文章作者: 网络投稿
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