Of course not cost-effective. The interest rate of commercial loans is around seven o'clock, which is very stable. There is even the possibility of raising interest rates. The income of money funds is very limited, which is almost uneconomical compared with time deposits. No loans are recommended. According to the fund's good returns (coinciding with the bull market's rising period), if you buy a fund for W yuan a month and do nothing every day, you can earn 3,000 yuan 1 month. However, the market has ups and downs. There is a 30% decline, either for one year in a row or for three months with a 0% increase. these
1 Buy a fund with a credit card?
To answer these questions, we need to calculate an account:
1 fund income.
The fund's daily increase is about -5%-5%. Usually around 2%.
According to the income ranking of a treasure fund. Some funds have good returns (coinciding with the bull market rising period), which can increase by 30% a month, that is, 1w yuan to buy funds and do nothing every day, and 1 month can earn 3,000 yuan.
But if the market rises, it may fall by 30% in one month and rise by 0% in three months. These are all risks.
If you have the principal 1w yuan, and the fund is well selected, you will earn 3000 yuan every month and 30000 yuan a year every time you buy in the low-value period. The fund will make a fixed investment every week (assuming that it earns 3% in 8 days and sells 12 a month, which may be higher. However, this is the ideal situation.
Therefore, as of September 6, my editing date, the fund's best return in the past year was 86%. That is, 1 0,000 yuan became 1 8,600 yuan a year later. This is more.
2 after reading the benefits and risks (the risks are particularly rising or falling). Then we analyze the interest rates of various borrowing methods.
A said Ping An first (telemarketing seems to emphasize 0.83%), but he never told you that it was a monthly interest. Multiplied by 18 is the total interest rate 14.94%. 9.96% is the annual interest rate. But is this really the case? The answer is no, because from the date you borrow money, you have to pay it back every month. 1 is only 75,000, and it will continue to decrease. So the annual interest rate is above 9.96%.
Second, is it cost-effective to buy a fund with a loan?
Of course not cost-effective! And it's not worthwhile! Loans are inherently risky, and reinvesting in risky things is even more risky.
Third, go to the bank to borrow money to buy a fund to let the bank know whether it will be refused?
Generally speaking, it is not possible, but the actual operation is possible. Investors who want to borrow investment funds generally intend to make a second loan in the bank with physical mortgage. Although some loan businesses launched by banks stipulate that loans are not allowed to invest in the stock market and bond market. And require customers to explain the purpose when lending money. In practice, such agreements are often not binding, because banks cannot fully grasp the channels used by customers after the loans are received.
Fourth, is it cost-effective to buy a fund with a loan?
It's not appropriate, because everyone only saw that the fund's income is better last year, but it should be noted that the fund also has risks, and it is not worth encouraging whether it is borrowing stocks or buying funds. In addition, the fund is a long-term financial management method rather than short-term speculation. Therefore, it is not recommended for the landlord to do so.