1. Open-end funds (the simple division you come into contact with) are divided into four types: stock funds, hybrid funds, bond funds and monetary funds. The first two belong to the capital market, and the latter is the money market.

2, the difference between the four is that:

The money fund is guaranteed, so it can be said that it will definitely not lose money. I don't earn much.

The stock type is just like buying stocks, except that the funder will buy several stocks at the same time, so it is hard to say how to make a profit. It is possible to lose everything.

The hybrid type is money fund+stock fund, so it's hard to say if you lose money. You won't lose everything, depending on the proportion of your money fund.

When you talk about low-risk funds, you usually talk about hybrid funds, which is not interesting.