Many people know that as long as they invest, there will be risks, but the risks of different financial management methods are very different. Both funds and stocks are common financial management methods, and the investment targets of hybrid funds also include stocks. Which is riskier, hybrid funds or stocks?

Hybrid fund refers to a tool that invests in stock, bond and money market at the same time. However, unlike bond funds and stock funds, hybrid funds do not have a very clear investment direction, and the investment ratio of stocks and bonds can also be adjusted according to different investment strategies.

Therefore, hybrid funds can be divided into partial stock funds (stocks account for 50%-70%), partial debt funds (stocks account for 20%-40%) and balanced allocation funds (stocks and bonds are adjusted according to the market).

From the risk point of view, the investment income and risk of hybrid funds are lower than that of stocks, even lower than that of stock funds.

1. Stocks are direct investment products, and investors need to choose their own stocks and trade them. Funds are indirect investment products, and investors don't have to choose their own stocks, but hand them over to professional fund managers to operate. The stock market is highly professional, and the risk of individual investment is relatively higher than that of fund managers.

2. When individuals buy stocks, they usually concentrate on buying one or more stocks, but usually the quantity is not very large, and all the risks are borne by themselves. A fund is a basket of stocks bought, and usually all stocks don't plummet. Moreover, the fund has the characteristics of * * * risk and * * return, which also reduces the risk of fund investment.