Fund is a kind of investment and wealth management product, which is often a deposit of income and risk. Rational investment, after a period of time. It is possible to obtain corresponding benefits. When the market is good, there is the possibility of a comeback, but there are also risks. Risk of investment funds: 1. Liquidity risk: Generally speaking, there is liquidity risk in investment instruments, that is, investors face the risk that they will find it difficult to realize cash when they need to realize it at an appropriate price. 2. Institutional management risk: the invested funds have fund management institutions, which are managed and operated by fund managers, and there are certain risks in operation. 3. Securities market risk: Policy changes will cause price fluctuations in the securities market, thus affecting the fund's income and price. Generally speaking, fund investment is also risky. Moreover, due to the wide variety of fund investment products, different types of funds face different risks.
According to different standards, securities investment funds can be divided into different types: 1. According to whether fund units can be increased or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not listed and traded (depending on the situation). They are purchased and redeemed by banks, brokers and fund companies. The fund scale is not fixed, and closed-end funds have a fixed duration. Generally listed on the stock exchange, investors buy and sell fund shares through the secondary market. 2. According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is an investment fund company established by issuing fund shares, usually called corporate fund, which is established by fund managers, fund custodians and investors through fund contracts, usually called contractual fund. China's securities investment funds are all contractual funds. 3. According to the difference of investment risk and income, it can be divided into growth fund, income fund and balanced fund. 4, according to the different investment objects, can be divided into stock funds, bond funds, money market funds, futures funds, etc.