1. the money fund is basically risk-free, but the income is very small.
2. Bond funds have low risks and low returns.
3. The risk of allocated funds is relatively high. If the stock market is good, the income is higher than that of money funds and bond funds.
4. Partial stock funds are more risky than allocation funds, and the returns are higher when the stock market is good.
5. Equity funds have high risks and high returns. After 80% of the funds are used for stock operation, the risks and benefits are greater.
6. Index funds are suitable for choosing low-cost and low-risk index funds because of their high positions, greater risks and higher returns.
Types of securities investment funds:
1, which can be divided into open-end funds and closed-end funds according to whether the fund units can be increased or redeemed. Open-end funds are not listed and traded (depending on the situation). Generally, the bank purchases and redeems, and the fund size is not fixed; Closed-end funds have a fixed duration, and the fund size is fixed during the duration. Generally listed on the stock exchange, investors buy and sell fund shares through the secondary market.
2. According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. At present, China's securities investment funds are all contractual funds.
3. According to the difference of investment risk and income, it can be divided into growth fund, income fund and balanced fund.
4, according to the different investment objects, can be divided into stock funds, bond funds, money market funds, futures funds, etc.
Fund investment skills:
1, observe the market outlook before operation:
The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. When deciding whether to redeem, you should make a choice on the timing. If it is a bull market, it can be held for a period of time to maximize the benefits. If it is a bear market, redeem it in advance and put it in the bag.
2. Switch to other products:
Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as converting stock funds into money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest. Therefore, conversion is also an idea of redemption.
3. Regular fixed redemption:
Like regular investment, regular fixed redemption can do daily cash management and stabilize market fluctuations. Fixed-term redemption is a redemption method of fixed-term investment.