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88彩票资讯网:Buy a house and buy a fund which is better? A chart to understand long-term investment returns

时间:2018/3/2 18:37:17  作者:  来源:  浏览:0  评论:0
内容摘要: There are relatives asking about the Spring Festival, there is a fund for long-term investment, intended for pension retirement, how to do ...

There are relatives asking about the Spring Festival, there is a fund for long-term investment, intended for pension retirement, how to do the investment?

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Xiao Bian think this is a very good question. Whether you are a hard-working salaried worker, or have moved toward wealth freedom, understanding all kinds of investment and good financial planning are necessary. It is also a good idea to keep a pension for yourself, which can serve as an effective supplement to the old-age security provided by the government and enterprises.

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How to increase the return on long-term investment? We can use historical data to measure the return on all kinds of investments from the beginning of 2009 to the end of 2017:

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Revenue from all types of investment

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CSI Mixed funds The highest index return, at 170.63%

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China Securities Stock Fund Index is 157.45%

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Shanghai New Housing Price Index rose 87.18% (National Bureau of Statistics data)

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China Securities Bond funds Index is 53.72%

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Prices for new residential units in 70 medium and large cities rose 45.46% (National Bureau of Statistics data)

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China Securities Monetary funds Index rose 33.45%

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The yield of demand deposits is 3.46% (according to PBOC interest rate , compounding quarterly)

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88彩票资讯网:Buy_a_house_and_buy_a_fund_which_is_better?_A_chart_to_understand_long-term_investment_returns

It can be seen that different investment types have different volatility characteristics. real estate small fluctuations, hybrid funds, equity funds are more volatile, the expected return on the type of investment.

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One way to weigh risk / return for investments that target pensions or other significant expenses is to learn how to invest in a US "target date fund" : When you are far from the time you withdraw your funds (when you are young) Assets with high investment risk and high expected return are converted to safer investment approaches near the point of withdrawals of funds. The Target Date Fund is one of the types of investments in the 401 (k) Plan of the United States Pension System, which reached $ 598 billion by the end of 2016, accounting for 16% of the assets of the United States mutual fund (Investment Company Institute data).

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In addition, you can also smooth the risk by fund .

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If you want to further improve the return on investment, but also need to select a specific type of investment in various asset classes. For example, in the real estate investment, select the center of the city, the central lot; in the fund investment, select the strong overall strength fund company and investment ability of outstanding fund managers, such as Xingquan Fund established before 2009 5 funds have achieved more than the overall performance of the industry performance.

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88彩票资讯网:Buy_a_house_and_buy_a_fund_which_is_better?_A_chart_to_understand_long-term_investment_returns

Source: the net growth rate of the equity unit and the average annual net growth rate since the establishment of the Galaxy Securities data; as of December 31, 2017


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