What are the more stable funds?
Monetary funds can consider relatively stable funds. Take Alipay's money fund as an example: Up to now, all Alipay's money funds are positive returns, and there has never been a loss. Although the past does not represent the future, it still has certain reference significance.
Buying money funds is relatively stable. Although the principal and interest are not guaranteed, the loss is very small. Because the money fund invests in the money market and not in the stock market, the risk is small, the fund fluctuation is relatively small, and the income is relatively stable.
What are the low-risk funds?
Low-risk funds include money funds and pure debt funds. I mentioned the money fund before. The pure debt fund here is a fund that all invests in bonds, and the risk is relatively small, but compared with the money fund, the risk is slightly greater.
When choosing a pure debt fund, you can refer to a past income situation, try to choose a pure debt fund with more positive income and less negative income, then choose a fund with larger scale and better fund manager, and then hold the fund for a long time and redeem it after making money.