At present, there are many kinds of investments in the market, and the classification of fund products is relatively complicated, especially for investors who are just preparing for financial management. Because I don't know my own situation and risk level, I feel at a loss when buying fund products. The following small series will share with you whether the money fund is suitable for novices. Let's have a look!

Fund products are divided into:

Stock funds,

Hybrid funds,

Bond funds,

Monetary funds and other types.

When investors buy funds, they still suggest that they can make a risk rating first, and then refer to the purchase type according to their own situation.

1. Equity funds have the highest risk coefficient among all types of funds. Equity funds are combined funds, which will not fluctuate like stocks. However, when the stock market plummets, stock fund products will also follow the market decline, and when the stock market rises, stock fund products will also follow the market rise. The benefits and risks are relatively high, and it is not recommended for novices to participate in the purchase.

2. The risks of hybrid funds and bond funds are much smaller than those of equity funds. Hybrid funds can invest in the combination of stock funds, bond funds and monetary funds, and the risk is relatively small, but it is still fund neutral risk. Bond funds are investments and bond markets. However, for beginners, even if they pass the risk rating, investors are also preference-oriented and enterprising investors. It is not recommended to start participating in these two types of funds because investors do not understand the market.

3. Money fund is the safest and least risky fund product among the four types of funds. Mainly invest in bonds, central bank bills, repurchase and other high-security products. Novice investors can participate in buying fund suggestions.

The scale decreased from the previous month, and the income was "no longer brilliant"

When it comes to money funds, most people think that after the funds are deposited, they can see the balance treasure of income every day, which is also the "leader" for many citizens to contact investment and wealth management products.

"I was a sophomore when Yu 'ebao was launched. At that time, I would transfer the living expenses of the card to Yu 'ebao every month, and just send it directly when I use it. " Song Yun, who works in Jiaojiang, said that Yu 'ebao is linked to many money funds, and the yield of each product is different, and there is no handling fee for withdrawing cash that year. "When the income is high, you can save 1 1,000 yuan, and you can earn 1.5 yuan a day."

The reporter found that compared with the money fund linked to Yu 'ebao with an annualized rate of return of 6% on the 7th, the "gold-absorbing" ability of the money fund with an annualized rate of return of about 2% on the 7th has been significantly reduced.

Taking Tian Hong Yu 'ebao Fund as an example, its 2 1 interim report released on August 3rd shows that as of June 30th, the latest scale of Tian Hong Yu 'ebao was 780.8 billion yuan. Compared with 972.4 billion yuan at the end of the first quarter, it decreased by 19% month-on-month, which is why the scale of Tian Hong Yu 'ebao was less than one trillion at the end of two consecutive quarters. From the income situation, on September 1 day, the annualized rate of return of Tian Hong Yu 'ebao on the 7th was 2.0540%, and the income per ten thousand copies was 0.5635 yuan.

"The decline in the size of the money fund is affected by many factors such as market and income." The staff of a commercial bank in our city told the reporter that all kinds of fund products have flooded into the investment and wealth management market, and the number of products that investors can choose has increased, which may lead to the diversion of funds and the reduction of some funds. "In addition, compared with Internet financial products that need to pay cash withdrawal fees, there is no need to pay extra fees, and bank wealth management products with the same income as most money funds have received widespread attention."

The issuance of rights and interests increased, and the position of the entry fee was stable.

If the money fund is regarded as an entry-level product of investment and financial management, then the equity products are advanced models.

"Equity products refer to investments whose returns cannot be clearly guaranteed." According to the staff, stock funds and index funds related to the stock market in the market belong to equity products, and the value of these products changes with the market conditions. "From the situation in the past two years, the number of investors who choose equity fund products and' fixed income+'fund products has increased. Asset allocation has also changed from a single money fund to a diversified asset allocation. "

The scale of Tian Hong Yu 'ebao Fund, which once broke through the trillion scale, dropped sharply, but the number of selected citizens increased instead of decreased. According to the semi-annual report, by the end of June, the number of holders of Tian Hong Yu 'ebao was about 765.4380+0.2 million, an increase of about 22 million compared with 690 million at the end of last year. In terms of the share held by each household, it dropped from 1, 724.7 at the end of last year to 1, 096.04 at the end of June, with an obvious decline.

"Last year, the performance of equity products was outstanding, but since this year, the stock market, gold and foreign exchange markets have continued to fluctuate,' persuading' some investors and raising their awareness of risk control." The staff said that the market fluctuates greatly, and some ordinary investors will turn their funds to money funds with lower risks and relatively low returns. "Although the money fund does not have a bright income performance, its position as an entry-level investment and wealth management product is still stable and it is still the first choice for some investors."

Advantages and disadvantages of monetary fund

Trading funds include many different types of funds, and the trading income can vary widely, while the investment understanding of money funds such as Yu 'ebao and Licaitong is only the tip of the iceberg. Alipay has Yu 'ebao and Yu Bao Li; The change pass and wealth management pass in WeChat are both a kind of money fund, and they all have a common feature: the transaction income is low, and the current transaction income is about 2%~3%. The benefits they bring are also very obvious, and you don't need to pay attention to them at all. You can buy it whenever you have spare money. Once your share is determined, there will be gains every day, and the risks brought by these money funds are very low.

The types of funds are different.

Let's take a look at active fund transactions, including: stock funds, partial stock funds, hybrid funds and so on. Stocks have high returns, so equity funds also have high returns, which also tests the ability of fund managers. Hire a fund manager to help you manage your funds and earn income by buying stocks for you. Fund companies only charge management fees as compensation. It should be noted that funds with high returns may have risen a lot. If you buy at this time, you are likely to buy at a high level. There are also equity funds in the fund. Traders should also pay attention to the overall style of the market. If you buy funds at the end of a bear market with low trading volume, or when the market has experienced a sharp decline and has stabilized, the risk of decline is low. If the market is hot, you can get higher returns.

Those who like challenges choose stock types.

If you use the trading market sentiment to buy funds, you are likely to fall into the trap of buying more and more, because trading at the bottom or escaping from the top is very challenging. From the perspective of safety alone, buying a money fund is the best choice. Relatively speaking, the transaction risk is low and the income is low. If young people can allocate stock funds at a higher level, part of the funds can be used as daily turnover, while stock trading funds are offensive. In order to exchange time for high returns, it must be remembered before trading that high risks mean high returns. When the market is good, the stock exchange fund 100%+ income is a dime a dozen. If you trade all the currency trading funds, the income will be 3 or 40 times different.

Bear the joy of making money

If you are middle-aged, you can choose a money fund and allocate about 20% of your funds to a stock fund. After all, as young people, there are old people and small people, and their daily expenses are not generally large. The loss ratio of trading funds will affect the quality of life. No matter what kind of fund you trade, you need to choose according to your personal affordability. Just make money and accept it. This is what every trader should do. Personal circumstances are different. Opportunities should be strictly set, once the profit reaches the target, take profit in time, once the trading market falls, set a stop loss and evacuate in time. Strict trading discipline can ensure that your trading funds will not suffer too much damage.