The capital preservation fund finally ushered in its golden moment. At the end of 20 15, the capital preservation fund was snapped up by the citizens, and many newly issued capital preservation fund companies ended their fundraising ahead of schedule. The capital preservation fund has become the current explosive wealth management product. Relevant industry insiders said that investors should give full consideration when choosing the type of capital preservation fund, and must not blindly follow it. Different types of capital preservation funds have different characteristics. What types of capital preservation funds are there?

What types of capital preservation funds are there?

1. Internationally, capital preservation funds can be divided into two types: guarantee funds and guarantee funds.

1. The protection fund does not need a third party to provide guarantee.

2. Generally speaking, the capital preservation fund invests most of its assets in fixed-income bonds to pay the investor's principal when the fund expires, and the remaining assets are about 65,438+05%-20% invested in stocks and other tools to improve the return potential.

Two, according to the liquidity, the capital preservation fund can be divided into the following three forms:

1, fully open operation, can be redeemed at any time during the capital preservation period, but redemption requires a redemption fee.

The earlier the redemption, the higher the redemption fee. Moreover, there is no promise of capital preservation at the time of redemption, and the floating losses and profits are borne by themselves. Most capital preservation funds belong to this type.

2. The whole process is closed and cannot be exchanged before the expiration.

Closed operation is beneficial to the management of fund managers. Historically, the expected annualized rate of return will be higher than that of open-end funds. But the shortcomings are also obvious, and the liquidity is too poor. For example, Huaanle Huibaoben hybrid is closed for operation within two years and cannot be redeemed.

3. Half closed and half open. For example, Zhonghai Shunxin Capital Protection is a hybrid type, which is closed in the first year and open in the second year.

With regard to liquidity, investors can choose according to their own liquidity needs. If the liquidity demand is not great, such as keeping the original money in the bank for a fixed period, then you can invest in a closed-end capital preservation fund; If there is a certain liquidity demand, then you can choose to be semi-closed and semi-open or fully open; If the liquidity requirement is high, it is not recommended to choose a capital preservation fund. After all, the capital preservation fund itself is a relatively weak variety.