Public Offering of Fund can be divided into stock funds, mixed funds, bond funds and money market funds.
Equity fund refers to an investment fund with stocks as the main investment object, and its stock assets account for at least 80% of the fund assets. Compared with investors who directly invest in the stock market, stock funds have the characteristics of portfolio investment, risk diversification and pursuit of long-term capital appreciation, and are more suitable for long-term investors who have no experience in stock investment but are willing to share stock returns and active investors who pursue high returns.
Hybrid funds refer to funds that invest in stocks, bonds and money market instruments. In addition, according to the different investment ratios and investment strategies of stocks and bonds, hybrid funds are divided into various types, such as partial stock funds, partial debt funds and allocation funds. Because the hybrid fund is a combination of stock fund, monetary fund and bond fund, it also determines that its risk-return is between the three, that is, the risk-return is lower than that of stock fund and higher than that of bond fund and monetary fund, and it is a financial product with moderate risk-return
Bond funds refer to funds whose bond assets account for more than 80% of the fund assets. Therefore, the volatility of bond funds is usually less than that of equity funds and hybrid funds. It can be said that bond fund is an investment and financial management tool with moderate risk-return level, which is suitable for investors with moderate risk preference, pursuing stable asset appreciation, optimizing investment portfolio and reducing overall risk.
However, compared with foreign mature fund markets, there are still some problems in Public Offering of Fund market, such as high liquidity risk, limited investment varieties and lack of innovation in fund products. Many Public Offering of Fund may face the risk of voluntary liquidation at any time.
Why take the initiative to liquidate? Simply put, the fund plate is too small, not making money, or even losing money is the most direct reason. At present, Public Offering of Fund's profit model mainly relies on collecting management fees. What fund companies do is "scale", and the scale is large enough to make a profit. At present, the management fee of domestic equity funds is usually around 1.5%. According to the current minimum fund size of 3 million, the management fee is only tens of thousands of yuan a year. Therefore, the main reason for the mini-fund to choose liquidation is to "get rid of the burden" and let the fund manager free up energy to manage the fund "one-on-one" or "one-on-one".
For investors, even if Public Offering of Fund is liquidated, it will return the money to investors according to the net value on the last day, which is equivalent to compulsory redemption, so investors need not worry too much about the "flying" of money. Those investors who buy funds at a net value higher than the closing date will leave at a loss. ?
Therefore, investors should pay attention to two aspects when purchasing funds:
First, read the fund contract carefully. Holders should carefully read the contract termination clause when purchasing funds. Liquidation in Public Offering of Fund is mainly divided into two types: sponsored funds and non-sponsored funds, and the liquidation methods, liquidation scale and liquidation time are quite different. ?
The second is to have a peaceful attitude. The Public Offering of Fund Clearing House will return the money to the investors according to the net value on the last day, which is equivalent to compulsory redemption. For funds that have been losing money since its establishment, the risk of product loss will be borne by investors, and the time cost may be higher. Therefore, when investors buy small-scale fund products, the related risks may be high and need special attention.
To invest in Public Offering of Fund, you should choose a variety that suits you. If you are not sure, you can do your homework first and learn relevant knowledge to avoid blind investment.