Compared with stocks, funds are less risky and more operable, and are suitable for working-class people and families with stable income. What are the investment principles of stock funds? The following are the types of funds other than stock funds brought to you by Bian Xiao for your reference. Let's have a look!

What types of funds are there besides stock funds?

In addition to equity funds, there are the following common funds:

Bond funds: mainly invest in bonds and fixed-income financial products, such as government bonds, corporate bonds and financial bonds. Bond funds are usually stable and have relatively reliable returns, which are suitable for investors with low risk appetite.

Hybrid funds: combine the characteristics of stock funds and bond funds, and invest in asset classes such as stocks and bonds at the same time to achieve a balance between stable income and growth. Hybrid funds can flexibly adjust the asset allocation ratio according to market conditions.

Money market funds: mainly invest in short-term money market instruments, such as bank deposits, short-term treasury bonds, transactional financial instruments, etc. Money market funds have low risks and relatively stable returns, and are generally used for short-term capital preservation and liquidity management.

Index fund: the investment goal of the fund is to track a specific index (such as stock market index, bond market index, etc.). ), and by buying index stocks or bonds to copy and track the rise and fall of the index. The return of index funds is close to the performance of the corresponding index.

What types of funds are relatively stable?

Among the types of funds, bond funds and money market funds are generally considered to be relatively stable. Bond funds mainly invest in fixed income, which is less volatile than stock funds and suitable for more conservative investors. Money market funds mainly invest in short-term, low-risk financial instruments, which basically do not fluctuate greatly, and are suitable for investors who need short-term value preservation and liquidity management. However, as an investor, you still need to choose the right fund type according to your risk tolerance and investment objectives.

Investment principles of stock funds

1, band principle. The net value of the fund also fluctuates with the market trend, so band operation should be adopted.

2. The principle of batch operation. It is difficult for us to grasp the subscription (redemption) of stock funds at the highest (lowest) point, and we can only intervene at the relatively high (low) point, because participation in batches can ensure the profit at the relatively high (low) point.

3. Pay attention to control the rhythm. Equity funds cannot be bought and sold in the form of stocks. Generally, there is a gap of two to three months in each fluctuation cycle, so it is not appropriate to proceed to the next step immediately after buying or selling.

Investment skills of stock funds

Tip 1: properly bargain-hunting

When the stock market bottoms out, the cost of buying stock funds is also the lowest. Conditional investors should seize the opportunity, make up positions appropriately, and boldly bargain-hunting funds. Of course, there are conditions for fund bargain-hunting, not only at historical lows, but also to examine the fundamentals of the real economy. When the stock market is depressed and the real economy is still optimistic, it is often a relatively good time to enter the market.

Tip 2: Stock and bond rotate to avoid risks.

There are many uncertainties in stock investment, so investors should consider transferring funds to low-risk bond funds or bank wealth management products to avoid risks. Compared with bank wealth management products, bond funds have the advantages of low risk, high yield and strong liquidity.

Tip 3: stick to long-term investment.

Novice investors tend to enter at a high point and sell at a low point. On the contrary, successful investors have long-term investment plans because long-term investment can overcome short-term fluctuations. A considerable number of investors hope to sell the stop loss in time when the fund loses money. In the case that the stock market is depressed but the macroeconomic fundamentals are still optimistic, it is the best choice to insist on long-term investment, so that investors can have the last laugh.

Tip 4: Avoid too frequent operations.

Most investors like to use the band investment method repeatedly to obtain short-term gains. However, the fund is not an investment tool suitable for frequent operation.

Tip 5: Adhere to the fixed investment of the fund.

Choosing fixed investment, effectively reducing the average cost and making long-term investment in an orderly manner are effective ways to solve the financial crisis. Under the financial crisis, only by sticking to the fixed investment of the fund can we fully enjoy the rich returns of the bull market after the crisis. After all, the crisis will pass sooner or later, and the spring of the stock market will surely come.

Investment risk of stock funds

1, the fund scale is too large, the fund manager is difficult to operate, the pressure to prevent investors from redeeming is also great, and there are many cash positions, so sometimes it runs slower than the hybrid fund;

2. The stock market fluctuates greatly, and the timing of intervention is not appropriate. If you buy equity funds on the day when the market rises sharply, and then encounter stock market adjustment, the risk will be exposed.

3, frequent operation, operating the fund as a stock, because the transaction cost of the fund is more than that of the stock, and there is the possibility of earning only the index and not making money;

4. The selected fund investment style is not the mainstream hot spot in the market.