Investment fund or virtual currency
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< EM > three investment and financial management modes for common people < / EM >
< EM >
1. Conservative customers: they can choose to invest in monetary funds. Since the end of last year, the income level of the monetary fund has suddenly increased. At the end of last year, China Securities Regulatory Commission relaxed the restrictions on the proportion of agreed deposits of the monetary fund, which enabled the monetary fund to gather the funds of ordinary investors to negotiate with the banks for agreed deposits, and the return was naturally more ideal. For the choice of Monetary Fund, investors should "first look at the scale, then the old and the new". Large scale monetary funds have more room to deal with liquidity shocks, and investment income will not be diluted rapidly. The old monetary funds generally operate more mature and have stronger bargaining power in negotiating deposits with banks
< EM > 2. Stable clients: they can choose bond funds. The main investment direction of bond funds is interest rate varieties and credit varieties. Since the end of the third quarter of last year, there has been a wave of bull market in the bond market. The main performance is that the yield curve has moved down e to the influence of loose capital. However, the yield of credit procts, especially those with medium and low ratings, has not decreased significantly. In the future, with the improvement of credit environment, the credit spread of medium and low rating varieties will graally narrow, and then generate capital gains. Stable customers can choose the bond fund with a higher proportion of credit varieties EM >
< EM > 3. Active customers: they can choose the combination of stock and debt financing scheme. On the one hand, according to the customer's subjective risk preference and objective risk tolerance to match, that is, in strict accordance with the customer's risk rating for asset allocation; On the other hand, the downside risk should be strictly controlled. Due to the real allocation of large types of assets, the correlation coefficient between various types of assets is very low, some even negative, so it can realize diversified investment and diversify investment risk EM >
< EM > if you have detailed investment and financial management, you can continue to ask. If it helps you, please take it. Thank you em>