Different types of funds have different risks and different income characteristics.
The general principle is that if you take higher risks, you will get potentially high returns.
Medium and high-risk funds such as stock funds and hybrid funds mainly invest in the stock market, which has a great influence on them. If you want to invest in the stock market, but you don't have time to manage it yourself, you can consider this kind of fund.
Low-risk funds, such as bond funds, mainly invest in the bond market and rarely invest in the stock market. This kind of fund is relatively stable with little fluctuation, and it is normal that the average annual income is 5- 10%. In some years, the income will be higher than 10%, and in some years, the income may be negative.
Risk-free funds, such as money market funds, have a slightly higher income level than 1 year time deposits.
It is a substitute for savings.
The investment time of partial stock funds is recommended to be more than 7 years, and Harvest Service and Guangfa Core are recommended.
The investment time of hybrid funds is recommended to be more than 5-7 years, and it is recommended that Harvest grow and Galaxy be stable.
Bond funds are recommended to invest for more than 2-3 years, and it is recommended that ICBC strengthen its benefits and have both.
Because the money fund is risk-free and has no time, it can go in and out at any time. We recommend Changxin interest income A and investment currency A..
The capital preservation fund must be purchased during the subscription period and the capital preservation is three years.