After the bank deposit interest rate is lowered, many people plan to use their spare money to invest in financial management products, that is, to buy financial management products. Compared with stocks, funds have much lower risks, but they do not protect capital. Therefore, for prudent investors, it is recommended to buy

A fund with relatively low risk.

What type of fund is more stable to buy? 1. Monetary Fund: It is an open-end fund that gathers idle funds from society, is operated by a fund manager, and is kept by a fund custodian. It specializes in investing in money market instruments with low risk, which is different from other types.

An open-end fund with high security, high liquidity, stable profitability, and quasi-savings characteristics.

2. Pure debt fund: It mainly invests in bonds (bond assets account for more than 80%). It does not invest in equity assets such as stocks and convertible bonds. It is 100% pure bonds and does not participate in stock market investments. The risk is greater than that of currency.

funds, but smaller than hybrid or stock-focused funds.

There are two sources of income, one is coupon income and the other is capital gains.

3. Fixed income + fund: Essentially, it is a debt-biased hybrid fund, pursuing stable long-term returns, taking into account both stocks and bonds, and capturing more investment opportunities.

In fact, it is the income from the bond part + the stock part income asset. The income from the bond part is similar to that of the pure debt fund, but the income from the stock asset part will change with the fluctuation of market conditions.

If you plan to buy a fund but don’t want to take too much risk, or you are a novice fund investor, it is recommended to give priority to the three types of funds introduced above. After selecting the fund type, just filter according to the indicators of good funds.

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