The 13 funds in WeChat change pass are all money funds, and their security belongs to one level. Therefore, it depends on which fund has a high rate of return, and which one to choose. Nearly a year ago, the top three were: Fuguofu Wallet 3.74%, Wanjia Tiantianbao A3.72%, Jiaji Jintianli, and Yifangda Easy Finance 3.71%. In the past two years, the top three were: Yifangda Easy Finance 8.18%, Fuguofu Wallet 8.12%, and southern fund Cash Connect E8.8%. In the past three years, the top three were: Yifangda Easy Finance 11.46%. To sum up, E Fund Easy Wealth Management, Fuguo Wealth Wallet and southern fund Cash Connect E have performed the best in the past, but there is not much difference.

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What is a fund?

an investment tool issued by a securities company, which collects the funds of many investors, gives them to the bank for safekeeping, and professional fund management companies are responsible for investing in securities such as stocks and bonds, so as to achieve the purpose of maintaining and increasing value.

Classification, allocation and selection of funds

1. Monetary funds are various baby funds such as Yu 'ebao.

characteristics: instruments that only invest in the money market have stable returns, extremely low risks and higher returns than bank deposits, and can be used as a good substitute for bank deposits and a cash management tool.

function: a substitute for demand deposits.

does the money fund purchase meet the requirements? Selection criteria?

2. Bond fund:

Features: It mainly invests in government bonds, central bank bills and policy financial bonds for the purpose of obtaining relatively fixed income. The risks and benefits are small.

classification: long-term pure debt, short-term pure debt, mixed debt base, regular open bonds and convertible bonds.

risk: long-term pure debt function: small risk, small return, 613 are issued for more than one year, 563 are profitable, 173 are earning more than 12% annually, and 3% of them may be selected! 5 can't run the cargo base (below 5 points per year), and 8% may pick these 5?

do bond funds meet the requirements? Select indicators?

3. Hybrid funds

Features: Diversified investment in stocks, bonds and money market instruments, with moderate risk and return levels.

classification: according to the different investment ratios of stocks and bonds and investment strategies, hybrid funds can be divided into various types, such as partial stock funds, partial debt funds and allocation funds.

risk: partial stock funds > Allocated funds > Role of debt-biased funds

: moderate risk and considerable returns. Of the 72 funds, 123 lost money within one year, 249 made profits within six months, and 36% can be selected. 511 funds have been issued for more than 3 years, and 41 funds have an annual income of more than 36%, with a selection probability of 8%; There are 34 animals whose annual income is below 12%, and the selection probability is 6%.

does the hybrid fund meet the requirements? Select indicators?

4. Equity funds

Features: they mainly invest in stocks, with high risks and high returns, and are closely related to the stock market.

classification: industry index funds, fund managers' personal characteristic funds, etc.

role: a novice mode to enter the stock market.