1. Monetary Fund

Simply put, all the assets of the money fund are invested in short-term money market instruments, such as bank deposit certificates and other risk-free or low-risk assets. Therefore, the risk of such funds is the lowest among all funds, or zero risk. Moreover, the subscription and redemption of such funds do not need to pay handling fees, and many of them can be paid immediately after redemption.

2. Bond funds

Some people say that bond funds are difficult to operate, and more than 80% of the fund assets are invested in various bonds, such as corporate bonds and financial bonds. Bond funds are divided into pure debt funds and partial debt funds (or secondary debt base). The assets of pure debt funds only invest in bonds and bank deposits, so the risk is low and the income is low, generally around 5%- 10%;

3. Equity funds

More than 70% and 80% of fund assets are invested in stocks. This kind of fund is actually that you pay money and let the fund manager help you to stock. Since it is "stock trading", the income is also high, and the annualized income above 15% is not a big problem, and it may be higher in the current market environment. However, such funds also have risks. Stock-based returns are also uneven. The high returns may exceed 100% at the same time, and the low returns may lose money.

4. Hybrid funds

Hybrid fund means that the fund assets are invested in stocks and bonds as well as money market instruments at the same time, but the proportion of stock investment and bond investment can be flexibly grasped. To put it simply, fund managers may increase their investment in stocks to obtain higher returns when they see that the current stock market is improving; If the stock market fails, invest more bonds to isolate risks.

Or some managers of hybrid funds actively increase stock investment in bull market, and bear market can completely give up stock investment. The annualized income of hybrid funds is about 15%, which is between stock funds and bond funds.

Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.

The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.