Compared with stocks, funds are less risky and more suitable for ordinary people to invest. So, what kind of fund should ordinary people buy? What funds do ordinary people invest in? Below we have prepared relevant contents for your reference.

For ordinary people, it is better to invest in money funds and bond funds for the following reasons:

1, the trend is relatively stable and the risk is low.

Most of the funds raised by money funds are invested in the money market, and most of the funds raised by bond funds are invested in the bond market. Compared with equity funds, it has smaller fluctuation, more stable trend and lower risk.

2. There are also gains on weekends.

For equity funds, the funds raised are mainly invested in the stock market and closed for trading on weekends, so there is no income on weekends. For the money fund, the income of the day of payment is calculated and distributed every day. When there are legal holidays, the income during the holidays shall be disclosed on the second natural day after the holidays. For bond funds, the funds raised are mainly invested in the bond market, and the income mainly comes from the change of net value and bond interest, calculated according to 360 days. Therefore, bond funds have gains on weekends, and the gains on weekends are generally reflected in the net value of fund shares.

3. Low technical requirements for investors.

Compared with stock funds, money funds and bond funds have lower technical requirements for investors, and investors do not need to analyze the trend of fund investment targets in real time.

In addition, when ordinary investors buy funds, they can also conduct fund transactions through fixed investment, and continuously increase their holdings through fixed investment, so as to spread the cost of holding positions and spread risks. At the same time, the procedure of fixed investment is simple, time-saving and labor-saving, and more suitable for busy investors.