A hybrid fund refers to a fund that invests in stocks, bonds and money market instruments according to the classification standards of the China Securities Regulatory Commission. Do we know which ones? The following are the advantages and disadvantages of the hybrid funds compiled by Bian Xiao _ The buying skills of hybrid funds are for reference only, and I hope they can help you.
What are the advantages and disadvantages of hybrid funds?
Advantages and disadvantages of hybrid funds
Because the hybrid fund is a combination of stock fund, monetary fund and bond fund, it also determines that its risk-return is between the three, that is, the risk-return is lower than that of stock fund and higher than that of bond fund and monetary fund, and it is a financial product with moderate risk-return Generally speaking, the yield of hybrid funds is more than several times the interest of bank deposits in the same period, and it will also exceed the income of money funds, but lower than that of equity funds and trust funds. However, investors can choose partial stock funds, and the risks they bear are not as high as those of stock funds, and they can also get higher returns.
superiority
The investment targets are scattered, and both the debt base and the stock base have both offensive and defensive capabilities.
disadvantaged
Among all kinds of funds, the risk of hybrid funds is still relatively large. If you want to buy a low-risk fund, it is better to choose a monetary fund or a bond fund.
Buying skills of hybrid funds
1. Look at the performance of fund companies and funds.
It is an eternal method to choose a fund company first and then choose a fund. However, the performance differentiation of hybrid funds is serious, which also requires investors' vigilance. Take the data of 2008 as an example. By the end of the year, the highest rate of return of hybrid funds since middle age was%, and the lowest rate of return was%. It is recommended to invest more and look at the historical data of the fund.
2. Choose a hybrid fund that suits you.
Different institutions have different methods for the classification of hybrid funds. Galaxy Securities regards hybrid funds as a kind of hybrid funds. In essence, hybrid funds include the following three categories: partial stock hybrid funds, partial debt hybrid funds and active hybrid funds. The main difference between these funds lies in the different proportions of various funds.
Choose the right time to buy.
In fact, investment funds, like investing in stocks, should also choose a suitable investment opportunity. If the investment timing is not good, the income will be greatly reduced. For example, even if the fund you buy is good in all aspects, but the market is not good, the income will be lower than that obtained when the market is good, and even the three strategies will lock in other articles.
What's the difference between hybrid funds and equity funds?
1, different risk levels
The risk-taking of the two funds is a hybrid fund of equity funds;
Equity funds are a kind of funds with high expected annualized returns and high risks, while hybrid funds have higher expected annualized returns because of their scattered investments and moderate risks.
2. Different investment directions
Hybrid fund refers to a fund that invests in stocks, bonds and money markets at the same time without a clear investment direction; Equity funds are funds that invest in the stock market, and generally have obvious investment directions.
3. Different investment strategies.
Hybrid funds provide investors with a tool to diversify their investments among different assets, which is more suitable for more balanced investors; Generally, equity funds take appreciation as their main purpose, so they are radical investment methods.
4. The expected return performance is different.
Theoretically, the expected annualized expected return of stock base is higher than that of mixed base, because stock base adopts radical strategy, while mixed base is both radical and conservative, so the relative return of mixed base may be lower than that of stock.
However, if the market falls sharply, the mixed base can adjust 70% of the shares to 1%, and the reduction of the stock base to 80% is already the limit. In this case, the annualized expected return of mixed base is higher.