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市场上的开放式基金很多,投资者应当如何选择? 投资人首先要明确自己的投资目标,即希望实现的财富目标。目标的合理设定要综合考虑以下因素:其一,自己个人所处的人主阶段。一般而言,一个人的理财阶段大致分为五部分:第一阶段为单身期,指参加工作至结婚的时期;第二阶段为家庭形成期,指从结婚到新生儿出生期;第三阶段为家庭成长期,指从小孩出生直到上大学;第四阶段为家庭成熟期,指子女参加工作到家长退休为止。第五阶段为退休期。不同阶段有不同的理财需求。例如处于家庭形成期和家庭成长期的投资者,要更多考虑子女教育费用;在家庭成熟期则要更多考虑养老费用等。其二,投资人还要考虑自己的收入状况和投资期限。根据自身情况选择适合的产品。其三,
Open-end funds on the market a lot, how investors should choose? Investors must first clear their investment objectives, that is, to achieve the wealth goal. A reasonable set of objectives should be comprehensively consider the following factors: First, their own personal stage in which the Lord. Generally speaking, a person’s financial management stage can be roughly divided into five parts: the first stage is the single stage, refers to the period from the work to the marriage; the second stage is the family formation period, refers to the marriage from the newborn birth period; the third stage For the family growth period, refers to the child from birth until college; the fourth stage is the family mature period, refers to the children to work until the parents retire. The fifth stage is retirement. Different stages have different financial needs. For example, investors in the period of family formation and family growth should pay more attention to the education expenses of their children, and they should pay more attention to pension expenses during the mature period of their families. Second, investors also need to consider their own income and investment deadlines. According to their own circumstances choose the right product. Thirdly,