2. What are the funds, mainly including trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations?
3. How does the fund make money? The fund manager invests the money gathered by everyone, such as investing in stocks, bonds and bank deposits. , to achieve the purpose of value-added.
4. Is the fund guaranteed? Generally speaking, funds are not guaranteed. Money funds are the safest and generally do not lose money. The risk of bond funds is greater than that of money funds, but less than that of equity funds.
1, bond fund
Bond fund is a kind of fund whose investment direction is bond market, and more than 80% of its assets are bonds. Due to the characteristics of the bond market, a major feature of such funds is stability, low risk and relatively low returns.
If you have high requirements for the safety of funds, you can try bond funds. However, it should be noted that when inflation or inflation expectations are serious, the bond market will fall sharply and the debt base will be greatly affected.
2. Equity funds
It means that the investment direction of funds is mainly the stock market, and the stock position cannot be less than 80%. From the perspective of risk, compared with other types of funds, equity funds have the highest risk coefficient, and in the long run, the corresponding returns are also the highest.
Because the price of stock fluctuates greatly, stock funds have bright returns in bull market, often outperforming the market, but not performing well in bear market.
3. Monetary Fund
Refers to the fund type that only invests funds in short-term bonds, bills, time deposit certificates, interbank deposits and other monetary instruments with fixed income. This kind of fund is relatively safe and its income is relatively low. All kinds of "baby" products that have caught fire in the past two years are essentially money funds.
The money fund is safe and liquid, but its income is low. At present, the average income of mainstream products is around 3%. Generally speaking, the return of equity funds >; Bond fund income >; Money fund income.
4. Hybrid funds
It refers not only to growth stocks, income stocks, but also to the investment direction of fixed income products such as bonds. It is a product between stock funds and bond funds, and it is moderate in all aspects.
This kind of fund is somewhat similar to structured deposit products and is suitable for small white investors who know nothing about investment. In some market environments, the income of such products can even be higher than that of equity funds.
5. Index funds
It refers to a fund product that takes a specific index as the underlying index, takes the constituent stocks of the index as the investment object, builds a portfolio by purchasing all or part of the constituent stocks of the index, and tracks the performance of the underlying index.
In fact, index funds can also be counted as stock funds, which can largely spread risks and have lower costs.
6. "Fund" Fund (FOF)
Refers to a fund that does not directly invest in stocks or bonds, and its investment scope is limited to other funds. The fund takes stocks, bonds and other securities as investment targets, and screens the fund through professional institutions to help investors optimize the investment effect of the fund.
The risk of this product is relatively small, but it may face problems such as double charges and high purchase threshold. Purchase and redemption are different from other funds.