According to the length of investment years, the fixed investment of the fund can be divided into long-term fixed investment, medium-term fixed investment and short-term fixed investment. The three have different investment characteristics and are suitable for different people and investment purposes. Every month, the remaining funds of 500 yuan are used to purchase fixed investment funds, which is suitable for long-term fixed investment of more than 5 years. Among them, index funds and actively managed stock funds are the most suitable. Hybrid funds are suitable for fixed investment intended for medium-term investment, generally for specific purposes; The income from short-term fixed investment is not obvious. The intention is that if investors are interested in the compulsory saving function, especially for women whose shopping is uncontrolled, they can choose to use enhanced bond funds with strong flexibility. The sales channels of general fund fixed investment products are large state-owned commercial banks and large joint-stock commercial banks, and brokers can also do fund fixed investment business. There is not much difference between investors choosing banks and brokers to buy funds. The key is what fund to choose. The risk of index funds is relatively small. Short-term investment in 500 yuan is not effective, so it is suggested to choose long-term fixed investment with long service life. The selected fund has good performance and strong sustainability, and the fund type suitable for long-term investment is the best.

2. What fund is better for 20 14 small investment?

Personally, I think the foundation is better. If you want to invest for a long time, and you have a certain commitment (both the Shanghai and Shenzhen Index and the Growth Enterprise Market Index Fund will do, and both of them basically fall to freezing point at 13 and 12), the Growth Enterprise Market Index Fund of Fuguo will do. If you just want it not to depreciate, suggest Yu 'ebao. The annualized interest rate is also 4%, which is equivalent to the money fund, but it is more liquid.

Third, what fund should I buy in small amounts?

What fund should I invest in? According to 1, the subscription was made on 1 in 2008, and the handling fee was 1.5%. As of March 3, 2009, some fund returns were: fund code, fund name, fund returns 162 102, and Golden Eagle small and medium-sized stocks. However, some banks can't even buy it. I suggest you buy some warehouses. I only know that Minsheng Bank can buy at least 1 10,000 yuan. 0000 1 1, Huaxia market selection, 14.3233%, partial stock fund, its performance has been far ahead among open-end funds since its establishment, but it stopped subscribing in 2007 and has not been opened so far; 00003 1, Huaxia Fuxing, 7.5543%, suspension of subscription; 100022, Tian Rui, Guo Fu, 5. 1439%, with good investment performance and high risk, highly recommended; 050007, boss-time balanced allocation, 4. 132 1%, conservative allocation, low risk, suitable for investors with weak risk tolerance; 162205, ABN Amro's risk budget, 3.7463%, with conservative allocation and low risk, suitable for investors with weak risk tolerance; 162202, ABN Anmao Hefeng cycle, 3.0347%, partial stock fund, with moderate risk and appropriate allocation; 16380 1, BOC China, 2.3507%, with conservative allocation and low risk, suitable for investors with weak risk tolerance; 0700 10, Harvest theme, 2. 1853%, partial stock fund, high risk, can be properly allocated; 59000 1, China post core optimization, 2. 18 19%, partial stock fund, high risk, recommended fixed investment; 288002, CITIC Bonus Selection, 2. 1665%, with conservative allocation and low risk, suitable for investors with weak risk tolerance; 0020 1 1, Huaxia dividend, 1.9067%, partial stock fund, with excellent performance and high risk, it is recommended to make a fixed investment; 270002, Guangfa is steady, 1.5667%, actively allocating funds, with good performance and high risk, so it is recommended to make a fixed investment; 070006, Harvest Service, 1.5457%, with conservative allocation and moderate risk, suitable for investors with weak risk tolerance; 24000 1, Huabaokang consumer goods, 0.8624%, partial stock fund, high risk, can be allocated in small quantities; 040005, Hua 'an Manulife, 0.8365% 16 1903, Wanjia Public, 0.82 17%550002, Prudential exquisite growth, 0.7173% 0200/kloc-. 040004, Hua 'an Bao Li Configuration, -0.8497%5 190 13, Haifutong Style Advantage, -0.8579% 1603 14, Huaxia Industry Selection,-1. -1.2020%53000 1, CCB's permanent value,-1.4482% 0002 1, Huaxia advantage, less than-1.8938% is an index fund, which is suitable for fixed investment. 159902, Huaxia Small and Medium-sized Board,-0.1767%1604, Rongtong Shenzhen Stock Exchange 100,-1%60. -3-7.3029%5 10 180, Huaan SSE 180, -7.5095% 160706, Harvest 300,-8.0498% 5190. -8.4839% 16 1607, tide accommodation, -9.85 14%5 10880, AIA dividend ETF,-1kloc-0/.4707.

4. What does the fund mean? What fund should I buy?

Securities investment fund is an indirect way of securities investment. By issuing fund units, fund management companies concentrate investors' funds, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers to invest in financial instruments such as stocks and bonds, and then share the investment risks and benefits. To put it bluntly, experts help you manage your money. The difference between securities investment funds and stocks: 1, and the identity of investors is different. Shareholders are shareholders of the company and have the right to express their opinions on major decisions of the company; The fund unit holder is the beneficiary of the fund, which reflects the trust relationship.

2. The degree of risk is different. Under normal circumstances, the risk of stocks is greater than that of funds. For small and medium-sized investors, due to the limitation of total disposable assets, they can only directly invest in a few stocks, which violates the investment taboo of "putting all eggs in one basket". When the stocks they invest in fall because of the stock market decline or the deterioration of the financial situation of enterprises, the capital may be wiped out; The basic principles of the fund are portfolio investment, risk diversification and investment in funds with different maturities and different types of securities in different proportions;

3. The income situation is different. The returns of funds and stocks are uncertain, and the risk return of funds is lower than that of stocks.

4. Different investment methods. Unlike stocks, securities investment funds are an indirect way of securities investment. Investors in the fund no longer directly participate in securities trading and bear investment risks, but experts are responsible for determining the investment direction and selecting investment targets.

5. Different price orientations. In the case of consistent macro-political and economic environment, the price of the fund is mainly determined by the net asset value; The main factor affecting bond prices is interest rate; The stock price is greatly influenced by the relationship between supply and demand.

6. Different ways of investment recovery Stock investment is uncertain. Unless the company goes bankrupt and liquidates, investors may not be able to recover their investment from the company. If they want to take it back, they can only realize it at the market price in the stock exchange market. Investment funds are different according to the form of funds they hold: closed-end funds have a certain period, after which investors can obtain the corresponding remaining assets according to their shares, or they can be realized in the trading market during the closed period; Open-end funds generally have no term, but investors can ask the fund manager for redemption at any time. There are many similarities between open-end funds and bank savings: first, their access or subscription and redemption can be carried out in the same commercial bank branch; Secondly, everyone can exchange cash at any time at a small cost; Finally, both incomes are relatively stable. Although there are many similarities between them, there are still essential differences, mainly as follows:

First of all, the capital investment direction of the two is different. Banks put savings deposits into production or consumption areas through corporate loans or personal credit channels to obtain spread income; Open-end funds invest investors' funds in the securities market, including stocks and bonds, and obtain stable returns through stock dividends or bond interest, and at the same time obtain capital gains through the price difference in the securities market.

Second, there are essential differences between deposit contracts and fund contracts, with different risks. The risk of bank savings deposits is much smaller than that of open-end funds. The deposit contract belongs to the creditor's rights contract, and the bank has full legal debt repayment responsibility to the depositor; Open-end funds put the raised funds into the securities market, and fund managers only manage funds but not investors. The fund contract belongs to the equity contract, and the fund manager does not guarantee the rate of return of funds. When investors redeem funds, they get funds according to the net value of each fund. If the fund is properly managed, the net value of the fund will increase and investors will get higher returns; If the stock market is not performing well or the fund manager is not managing well, the net value of the fund will fall and investors will suffer losses. Risk is directly related to the stock market and the management level of managers.

Third, their incomes are different. The income from bank savings deposits is interest. Under normal circumstances, interest rates are relatively fixed, regardless of the benefits of banks. Usually, the yield of open-end funds is higher than the deposit interest rate, but the income of funds is not fixed. When the market is good and managers manage it well, the income of funds will be higher than the deposit interest rate, and vice versa. In addition, the income of different funds is different, and the deposit interest rates of different banks are basically the same.

Fourth, the transparency of the information they manage is different. After banks absorb deposits, they have no obligation to disclose the operation of funds to depositors, and depositors generally don't care; Open-end fund managers must regularly announce the fund investment and fund net value to investors, and investors can always know how much cash their investment can cash.

Fifth, the cost of converting them into cash is different. There is no need to pay any fees for deposit and withdrawal of bank deposits; The redemption and subscription of open-end funds need to pay a certain fee, so investors' capital conversion has a certain cost.

Whether investing in open-end funds or depositing them in banks in the form of savings, investors may wish to arrange the investment of funds according to their personal capital, risk tolerance and future capital demand on the basis of fully comparing their similarities, differences and advantages. If you buy a small amount of funds, you'd better choose regular fixed investment, which has many advantages: First, regular investment, many a mickle makes a mickle. Investors may have some idle funds every once in a while. Buying funds through regular fixed investment plans to increase investment value can "accumulate sand into towers" and accumulate a lot of wealth unconsciously.

Second, automatic deduction, simple procedure. You only need to go through the one-time formalities at the fund agency, and the subscription for each installment will be automatically carried out.

Third, average investment and risk diversification. The capital is invested on schedule, and the input cost is relatively average, which maximizes the risk dispersion. Specific investment funds can choose old funds with good long-term performance. Such as: Golden Eagle small and medium-sized stocks, Morgan Stanley resources, etc.