Tell me the reason for the recommendation.

In the current market situation, I suggest that you make a fixed investment in the fund, which can further spread the risks and ensure a certain income for a period of time!

Fund fixed investment: many a mickle makes a mickle.

The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.

In the long run, monthly diversification can reduce costs and risks, and make the investment cost close to the average cost invested by most investors. In this case, the long-term compound interest effect of time will be highlighted, which not only ensures the safety of funds, but also makes small money that you usually don't care about become "big money" after long-term accumulation.

For example, investors only invest in the fixed investment business of funds in 300 yuan every month. If the future average rate of return of the invested fund is 5%, after five years of investment, the total amount of funds available to investors will reach 20,427 yuan. Even if the cost reduction factor of deferred investment is not considered, its actual investment return rate will still reach 13%. In addition, the procedures for the fixed investment of the fund are also very convenient. At present, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Minsheng Bank have all started the fixed investment business of funds, and the entry threshold is low. For example, ICBC's fixed investment business requires a minimum monthly investment in 200 yuan.

Now is recognized as a good time for the fund to vote! But the key is how you can help you make money with fixed investment!

My personal opinion is to make a fixed investment portfolio for the fund! It can further spread risks and increase profits!

I recommend Huaxia Return (Hybrid) and Harvest 300 (Index) to you.

In the last year, the overall scale of Huaxia's return was higher than that of similar funds; Dividend style shows the preference of the whole fund for dividends. In terms of risk-return ratio, the investment income of the fund is very high and the investment risk is very small.

In the fund's net asset value, the proportion invested in stock assets. The comprehensive management ability of Huaxia Return Fund Manager is very strong and stable. In the choice of fund investment objects, they prefer to invest in large-cap stocks, which have both growth and value. In terms of the concentration of fund heavyweight stocks, the concentration of the industries to which the stocks belong is average.

Judging from the overall management level of the fund companies to which the fund belongs, the overall income of the funds under the fund management company is slightly greater than the average overall income of other fund companies, the income difference is slightly greater than the average level, and the overall risk level is equal to the average level.

Therefore, it is recommended that you buy and hold the fund for a long time.

Among index funds, Harvest 300 is one of the best! I believe you have read all kinds of analysis about this fund!

The reasons for recommending index funds are as follows:

1, according to the current position of the market, it is impossible to have another sharp decline.

2. China's fund economy has not changed. If you invest in Harvest 300, you can enjoy the rapid growth of profits of large-cap blue-chip listed companies.

3. At present, in the market, the fixed investment index fund must be more than 3 years, so as to ensure the income.

Personally, I think this fixed investment combination is still good.

If you are conservative, I recommend Guangfa Strong Debt!

Capital proposal

1. The global economic slowdown and the continuous adjustment of the stock market have brought great opportunities to the bond market. The downward trend of interest rates will become a long-term trend, and the interbank market is rich in funds, which provides a good macro environment for the bond market to continue its previous strength, and bond funds face more investment opportunities.

2. In terms of structural design, Guangfa Strong Debt embodies two concepts of safety and risk control. In the last six months, its growth rate was as high as 7.30%, far ahead of other bond funds, and its performance was stable, which was recommended by many research institutions.

3. Guangfa's strong debt rate is unique in design, and subscription fee and subscription fee are not charged. The redemption rate is only 0. 1%. If the holding period exceeds 30 days (including 30 days), no redemption fee will be charged, which effectively reduces the formalities fee for investors.

For individual investors and stable institutional investors who avoid stock market fluctuations and pursue asset preservation and appreciation, low-risk and medium-income wealth management products are still their first choice. In view of the above situation, we believe that the fund is more suitable for the current market situation and suggest that investors actively subscribe.

Product characteristics

As an enhanced bond fund, Guangfa Strong Bond has the characteristics of a general bond fund. In terms of investment scope, the Fund mainly invests in fixed-income financial instruments, including government bonds, central bank bills, financial bonds, corporate bonds, subordinated bonds, convertible corporate bonds, short-term financing bonds, asset-backed securities, bond repurchases and bank deposits. And other fixed-income financial instruments permitted by laws and regulations or China Securities Regulatory Commission. Therefore, the structural design embodies the two concepts of safety and risk control, and shows prudent investment management and diversified investment strategies.

location

According to the data of the second quarterly report in 2008, the market value of stocks invested by the Fund accounts for 0. 16% of the Fund's net asset value, and the market value of bonds accounts for 92.49% of the Fund's net asset value. Among them, stock investment is mainly distributed in manufacturing, machinery and equipment, instruments and meters, metal and nonmetal industries, and the proportion of each industry to the fund's net asset value is 0. 14%, 0.07% and 0.04% respectively. In bond investment, central bank bills account for the absolute main body, accounting for 90.3 1% of the fund's net value. Therefore, from the perspective of asset allocation, Guangfa's strong debt risk is relatively small.

Income and risk of the fund

Fund income

The performance of the Fund continued to be good. According to Wind's statistics, the fund's net growth rate in the last month, the last quarter and the last half year was 4.68%, 6.55% and 7.30% respectively, which was among the best in its kind and performed very well.

Fund risk

The risk characteristics of the fund are between money market funds and hybrid funds, and it is stable among similar funds. This has a lot to do with its investment philosophy of pursuing safety and strengthening risk control.

fund manager

Mr. Xie Jun, Master of Finance, Certified Public Accountant, with five years of fund experience. He has worked in the R&D department of Guangfa Fund Company as a product designer, an enterprise annuity and bond researcher, and a manager of Guangfa Monetary Fund. Since March 27, 2008, he has been the manager of Guangfa Strong Debt Fund. In April this year, he became the assistant general manager of the fixed income department of Guangfa Fund Management Co., Ltd., specializing in fixed income investment products. The issuance of Guangfa's strong bonds provided him with a good platform to display his special skills.

Fund company

Guangfa Fund Management Co., Ltd. was initiated by Guangfa Securities Co., Ltd. and approved by China Securities Regulatory Commission. The company is headquartered in Guangzhou with a registered capital of 65.438+0.2 billion yuan. Guangfa Fund Management Co., Ltd. adheres to the business philosophy of "creating value professionally and putting customers' interests first", and strives to become an honest and professional fund management company to seek long-term and stable income for investors. Since its establishment in August 2003, Guangfa Fund Company has developed rapidly. The asset management scale increased from more than 2 billion yuan in June 2004 to130 billion yuan in February 2007. In four years, the scale of asset management has increased by more than 60 times, which has been well received by the industry. The net profit in 2007 exceeded 600 million yuan. In June, 2008, 5438+ 10 won the fourth "Golden Bull Fund Management Company" award in china securities journal, and in June, 2008, 5438+ 10 won the "Top Ten Star Fund Companies" in 2007 by Securities Times.

Guangfa Fund Management Co., Ltd. has an enterprising, professional and efficient research team. R&D Department consists of strategic research, macroeconomic research, industry and company research, fixed income research, valuation research and other groups, and has established good cooperative relations with external professional research institutions, government and industry authorities, and professional data suppliers, making full use of external resources to create its own unique research advantages. The company's funds have created a good return on investment for investors, indicating that the financial advantages of Guangfa Fund are gradually recognized by investors.

Good luck with your investment ~ ~