Stock funds, which invest in the stock market, are at great risk of fluctuation, so short-term and medium-term losses of such funds are very common.
Bond funds have low risks. Most of them invest in bonds, and a small part can be used to invest in stocks. There are also risks, especially in the short term.
There are several types of funds that will not lose money to the principal:
Money funds, such as Yu 'ebao and Licaitong, are all such funds because of deposits in major investment agreements and so on.
Financial management funds, the investment direction is similar to money funds.
Capital preservation funds, as long as they meet the capital preservation conditions, are capital preservation and will not lose money.