Fund products on the market now can be divided into many categories. According to the investment object, it can be divided into stock funds, bond funds, money market funds and futures funds. Different fund products have different returns and risks.
Because of the influence of the stock market trend, stock funds fluctuate greatly and have great risks, and it is indeed possible to lose all their money.
Bond funds mainly invest in government bonds issued by the state, financial bonds issued by financial institutions and corporate bonds issued by central enterprises and state-owned enterprises. Therefore, the risk is relatively small, generally not losing money, but the income is relatively low.
Money market funds mainly invest in short-term monetary instruments, such as bank time deposit certificates, government short-term bonds, corporate bonds, commercial papers and other short-term securities. Therefore, the income of money market funds is relatively stable, and usually there will be no loss of money unless there is a big turmoil in the financial market.
As for futures funds, because of the futures margin system, the margin of 20,000 yuan to 30,000 yuan can be used to trade futures contracts of 200,000 yuan to 300,000 yuan, so the risk is quite high, and it is possible to lose everything.