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How to combine funds with minimum risk
Introduce several commonly used ones, and choose one according to your risk tolerance!

1) Money funds have the lowest risk among all open-end funds. It can be said that there is no risk, but the income is also the least, which is slightly higher than that of one-year time deposits, but the liquidity is better than that of time deposits. That is to say, you can buy whatever you want, and the funds arrive quickly, which is suitable for investors with low risk tolerance and want to earn more than short-term time deposits.

2) Bond funds have less risk, relatively less income, basically no risk, and more investment income in the past year or more. I hope to avoid risks and exceed time deposits. I suggest you buy bond funds, such as Bank of Communications to increase profits C (no money for purchase and redemption), Huaxia series bond funds (Huaxia Fund, fighter in the fund), Guangfa Strong Debt (recommended by institutions), and CCB to increase profits steadily.

3) Capital preservation fund, conservatively allocated, mainly investing in bonds and a small amount of stocks, with low risk. However, I would like to remind you that when purchasing a capital preservation fund, the fund company will promise that the capital preservation will not be guaranteed. Capital preservation funds can only be guaranteed if they are subscribed during the issuance period. If it has been successfully issued or redeemed halfway, it will not break the capital. The risk is lower than that of ordinary stock funds and the income is higher than that of bond funds. Suitable for long-term investors with low risk tolerance.

4) Conservatively allocated funds (commonly known as hybrid funds) mainly invest in stocks and bonds, with low stock positions and high risks. Investors can properly allocate positions and hold them for a long time. The recommended funds include ABN Amro risk budget, Bosera balanced allocation, Huaxia return, GenStanley resources, Industrial Convertible Bond Fund, BOC China and Huaan Bao Li allocation.

5) Active allocation funds (commonly known as hybrid or partial stock funds) mainly invest in stocks, with high stock positions and high short-term risks. However, we can regularly invest in several funds or fund combinations with better performance in stock types every month. It is suggested to invest 300-500 yuan every month, such as Huaxia Fuxing (stop subscription), Huaxia Market (stop subscription), Xinhua Preferred Growth, Yin Hua Preferred Value, Xingye Social Responsibility, and the flourishing growth of Chinese businessmen.

6) Index funds, also known as stock funds, have stock positions above 95%, and the risk is the highest among open-end funds. They mainly track the stock market index. The smaller the error, the better the performance of the fund. The performance of index funds is not evaluated by the quality of returns, but passive, such as CSI 300, SZSE 100, SSE 50, SSE 180, and small and medium-sized board.

Tip: Investment funds should first choose a fund that suits their own style, allocate a better investment portfolio, and then adopt a long-term investment strategy (it is recommended to hold and continue investing for 3 years or more), so as to better avoid risks and obtain better returns.