Funds can be divided into money funds, bond funds, hybrid funds and stock funds according to the proportion of investment in stocks.

Money funds do not invest in stocks, which has the lowest risk and the smallest fluctuation. Yu 'ebao and Licaitong are all money funds with an annual income of about 2%. There is generally no loss.

Bond funds are divided into bond funds that can invest in stocks and bond funds that do not invest in stocks. The annual income of bond funds that don't invest in stocks is about 3%, and the yield of bond funds that invest in stocks may be higher than 3%, or they may lose more than 3%.

The proportion of hybrid funds investing in stocks is 60% to 95%. If the stock market is good, the proportion of investment in stocks is high; if the stock market is bad, the proportion of investment in stocks is low.

The proportion of hybrid funds investing in stocks is above 80%, no matter how bad the stock market is, it can't be lower than this ratio, so the loss is above 40%, and it can be locked up in a few days.

To understand the above knowledge, we must understand the purpose of fixed investment. Fixed investment every day means buying every day, so we must choose the one with big fluctuations, especially when it goes up, especially when it goes down, so as to smooth the cost.

Therefore, if you want to invest in funds, you should choose hybrid funds or equity funds. If you invest in 50 yuan every day, you will need more than 10,000 yuan a year. Stick to it for three to five years, and the income will be at least 20%. Much better than putting it in the bank.

It is best to choose a new fund now and start a fixed investment. Because the current stock market is not good, new funds can buy low-priced stocks by opening positions.

Don't be blinded by the temporary fog when buying funds, but insist that there will always be sunny days.