1, the insurance fund refers to an insurance institution that specializes in risk management. It is a special fund set up by collecting insurance premiums according to the law or the contract, which is specially used for compensation for economic losses or personal injuries caused by insurance accidents, and is a condition for insurers to fulfill their insurance obligations.

Features:

Insurance fund is a kind of social reserve fund. The main forms of social reserve fund are: centralized reserve fund, self-insurance reserve fund and insurance reserve fund.

The reserve in the form of insurance, that is, insurance fund, is a kind of reserve formed by insurance institutions to collect insurance premiums from policyholders through signing contracts, which is used to compensate the losses caused by insurance accidents.

2. Bond funds refer to funds that mainly invest in fixed-income financial instruments such as treasury bonds and financial bonds, and are also called "fixed-income funds" because the income of the products they invest in is relatively stable.

Features:

(1) Low risk and low return.

(2) Low cost.

(3) stable income.

(4) Pay attention to the current income.

3. Monetary funds mainly invest in short-term financial products with high security, such as bonds, central bank bills and repurchase. , also known as "quasi-savings products". Their main features are "worry-free principal, convenient demand, regular income, diary income and monthly dividend".

Features:

(1) The main difference between money funds and other funds that invest in stocks is that the net asset value of money market funds is fixed, usually per fund unit 1 yuan.

(2) The standard to measure the performance of money funds is the rate of return, which is different from other funds to gain profits by increasing their net assets.

(3) The liquidity of monetary funds is good and the security of funds is high. These characteristics are mainly due to the fact that the money market is a low-risk and high-liquidity market.

(4) The risk of monetary funds is low.

(5) Monetary funds are all open-end funds.

4. Equity funds refer to funds that invest in the stock market. There are many kinds of securities funds. At present, in addition to stock funds, there are also bond funds, stock-bond mixed funds and money market funds in China. Investment strategies include value, growth and balance.

Features:

(1) Compared with other funds, equity funds have diversified investment targets and investment purposes.

(2) Compared with investors' direct investment in the stock market, equity funds have the characteristics of risk diversification and low cost.

(3) From the perspective of asset liquidity, equity funds have the characteristics of strong liquidity and high liquidity.

(4) For investors, equity funds operate stably and have considerable returns. Generally speaking, the risk of stock funds is lower than that of stock investment.

(5) Equity funds also have the function and characteristics of financing in the international market. As far as the stock market is concerned, the degree of internationalization of its capital is lower than that of foreign exchange market and bond market.

5. The index fund is the underlying index, and the constituent stocks of the index are the investment targets. By purchasing all or part of the constituent stocks of the index, a portfolio of fund products tracking the underlying index is constructed.

The purpose of index fund is to reduce the tracking error, make the change trend of portfolio consistent with the underlying index, and thus obtain roughly the same rate of return as the underlying index.

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