First of all, let's understand the risks of funds. The risk of the fund is from high to low: stock fund >; Hybrid fund > bond fund > money market fund.
If you buy a money fund, you can basically make money if you hold it for a long time, and the income of the money fund is generally between 2% and 3%. How much money you can earn depends on your principal and the increase of the fund. For example, Xiaobai bought a money fund with 1 10,000 yuan, and the highest annualized rate of return in the last seven days was 2.8 190%, so the income is calculated as follows:
10000× 2.8190%/365 = 0.77 yuan.
As can be seen from the above, the daily income of the Monetary Fund is 0.77 yuan.
Secondly, there are bond funds. Generally speaking, the average annualized rate of return of bond funds in the past two years is 20%. Suppose you buy a 1000 bond fund and earn about 0.55 yuan a day.
If it is a hybrid fund, generally speaking, the annualized rate of return in the past two years is around 34%. Suppose you buy a hybrid fund of 1 1,000 yuan, and you will probably earn 0.9 yuan a day;
Finally, there are equity funds. Generally speaking, the annualized rate of return in the past two years is around 47%. If you buy a stock fund of 1 0,000 yuan, you will probably earn 1.3 yuan a day.
But these are the money and profits that can be earned when the market is good. If the market is not good, except for the money fund, there will generally be a decline, and the decline is almost the same as the rise.