From the perspective of risks and benefits, I think there are roughly the following options:
1 and 1 options are fund products with relatively low investment risk. This kind of fund products are mainly money funds and bond funds. Because the investment curves of these fund products are relatively stable, they are more suitable for investors with relatively stable investment styles.
2. The second option is to invest in fund products with relatively moderate risks. This kind of fund products are mainly index funds, including the CSI 300 or SSE 50, which we often mention, and CSI 500. The risk of these fund products is about 20% of the maximum retracement.
3. The third option is fund products with relatively high investment risks, mainly stock funds and hybrid funds. The risk of such fund products is relatively high, but the return on investment is also relatively high.
First, I think people with stable investment style are more suitable for money funds and bond funds, and they can also choose index funds.
This truth is actually very simple. For those small partners with stable investment style, their risk aversion is very high, and it is difficult to bear historical fluctuations of more than 20%. In this way, such investors are very suitable for investing in money funds and bond funds. The annualized income of such fund products can reach 4%~6%, and the maximum withdrawal can basically be controlled at around 5%.
Second, small partners with aggressive investment style are more suitable for hybrid funds.
Personally, I strongly don't recommend investors to choose stock funds, because the investment of stock funds fluctuates too much, sometimes even as high as 50%. If your investment style is more radical, you can choose to hold a certain proportion of hybrid funds, which can not only ensure your investment return, but also properly control your investment risk.
To sum up, this answer is difficult to say clearly in a few words. If you don't understand anything, you can refer to it and leave me a message.