readers: I just work a little less than two years, the monthly income of 4,500 yuan, would like to use spare cash investment funds. I now have 2 million deposit on hand, want it to be a long-term investment, now that stock-based debt-based are confused and want to suggest what people like my kind of income which funds the best option?
the JP Morgan: According to your description of the situation, we recommend that you invest, do a preliminary financial planning. In short, just as a young man working for 2 years, the meager savings in hand, but where the future may require a lot of money, such as continuing education studies, marriage, purchase of real estate.
Specifically, your spare cash on hand of $ 20,000, if it is only used 10 years later, it can choose an active equity funds, rather than the current short-term fluctuations in trouble, because China’s economy long-term upward trend has not changed, the long term, it is still relatively safe area at the bottom. And if it is 2 years later would put to use, it is necessary to carefully choose equity funds, more investment into low-risk bond funds and other varieties. Although in the first quarter of bond fund performance is not ideal, but can not deny the short-term bond fund performance and investment value of advisable and see the amount, it is always an asset allocation of the essential part.
we recommend that you use the Fund will vote the way of better financial management. Good investment habits of human nature can overcome the weaknesses of greed and fear, in the long term to achieve a good income. Index above example, since its inception in 1990, a total of five clear after the cycle, to July 2001 to March 2004, for example, during the Shanghai index to rebound after a down cycle from the entire cycle Shanghai index fell 9.3%, but investors continued to be cast if the monthly charge, pay rate for up to 9.8%.
Editor: Little Canada
related hot words: household financial education work
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