In other words, if you have a strong risk tolerance, you can choose fund products with slightly greater risks, generally including hybrid funds and equity funds. If you don't want to take too much risk, you can choose some passive funds, usually index funds, bond funds and money funds. The risk of investing in fund products depends entirely on your own investment strategy. After all, the initiative is in your hands.

First, the risks of fund products are different.

As I said above, the risks of fund products are different. The highest risks are hybrid funds and equity funds. This kind of fund has the highest returns and the highest investment risks among all funds. Under normal circumstances, the maximum annual withdrawal degree of stock funds can reach about 50%, and the income can reach about 25%. The volatility of hybrid funds will be less than that of equity funds, depending on which stocks are held.

Second, the fluctuation of index funds will be smaller.

If you don't want to take too much risk in the process of investment, you can choose an index fund. You can think of an index fund as a fund that passively tracks the index. Because of this, the volatility and yield of index funds will be lower. At present, the mainstream index funds in the market are the funds related to CSI 300 and CSI 500.

Third, bond funds and money funds are more stable.

Because the positions of bond funds are basically corporate bonds and government bonds, the volatility is particularly low, and the yield can be maintained at around 2%~5%. The same is true of the money fund. The currency we currently hold is generally a relatively stable currency. When the exchange rate is stable, the fluctuation brought by the money fund is not great, and the annualized rate of return can reach about 20%.

To sum up, the risk of buying a fund depends entirely on the individual's choice, and the risk is self-care.