In fact, closed-end fund is an earlier form of fund. At present, fund companies have not issued closed-end funds. The scale of closed-end funds has been determined before the issuance, and the duration of the fund from establishment to termination is certain, and the scale of the fund remains fixed during this period, and investors may not return the funds once they purchase.

open-ended fund

Open-end funds are contrary to closed-end funds, because their issuance scale is not fixed. In this case, investors can purchase and redeem at any time. According to different investors, funds can be divided into stock funds, bond funds, money market funds and hybrid funds.

Monetary fund

Money fund literally means a fund that only invests in money market instruments. Yu 'ebao is such a fund. I believe everyone is familiar with Yu 'ebao. Yu 'ebao is actually a monetary fund, the monetary fund of Tian Hong Fund Company.

Stock fund

For many investors, money market funds are used to avoid risks, while equity funds are the opposite. They are at greater risk. Generally speaking, stock fund means that its stock position cannot be less than 80%, and stock fund is a popular one among the fund varieties. Compared with investors' direct investment in the stock market, equity funds have the characteristics of strong liquidity and scattered risks. Although the stock price will fluctuate in the short term, its long-term return will be higher than that of cash deposits or bond investments. Therefore, in the long run, equity funds have considerable returns, but the risks are higher than those of bond funds and money funds.

bond funds

Bond fund means that more than 80% of the fund's assets are invested in bonds, and such funds have relatively stable returns through portfolio investment in bonds. The bond yield is stable and the risk is small, so the risk is low, which is suitable for stable investors who are unwilling to take too many risks. The price of bond funds is also affected by market interest rates, exchange rates, bonds themselves and other factors, and its fluctuation degree is lower than that of stock funds. The risk index of bond fund is between money market fund and stock fund, and it is a relatively stable investment channel.

commingled funds

Hybrid funds refer to funds that have no clear investment direction and the ratio of stock investment to bond investment does not meet the requirements of stock funds and bond funds. In addition, its risk mainly depends on the allocation ratio of stocks and bonds. Generally speaking, the risk of partial stock funds is higher, but the expected rate of return is also higher; The risk of partial debt fund is low, and the expected rate of return is also low; Equity-debt balance fund has moderate risk and return.

What kind of fund is more stable?

In fact, the risk of the fund is directly proportional to the expected annualized income, and all funds have certain risks. If it is a relatively stable fund, the expected annualized income will not be too high. If investors are extremely sensitive to risks or can't lose their principal, they can choose money funds.

The description of the types and stability of fund products is here, so much knowledge about the types and stability of fund products. If you don't have the corresponding investment foundation, the fund is a good choice. Funds are an indispensable part of everyone's investment class. Bian Xiao will pay close attention to more basic knowledge, skills, precautions and news information about investment and financial management. Generally speaking, Bian Xiao reminded everyone that investment is risky and you should be cautious when entering the business.