With people's more and more open concept of investment and financial management, in order to cater to the broad masses, various investment funds came into being. There are many kinds of investment funds in the market now. Which fund should I buy? This requires us to have a comprehensive understanding of the types of funds, so what are the types of funds? Let me answer this question for you.
There are many kinds of funds. Let me answer your question about the types and characteristics of funds. First of all, the first type of funds is monetary funds. This kind of fund has the least risk, so it can be said that there is no risk and the least income, but it is slightly higher than one-year time deposit and better than time deposit. Therefore, it is more suitable for investors who pursue low risk and want to earn more than short-term time deposits.
The second type of fund is bond fund, with low risk and low income. The capital preservation fund is conservatively allocated, mainly investing in bonds and a small amount of stocks, with low risk. It is more suitable for investors with low risk tolerance and long term. The fourth type of fund is a conservative allocation fund, which mainly invests in stocks and bonds. Its stock position is low and risky, so investors can allocate their positions appropriately and hold them for a long time.
The fifth category is active allocation funds, which mainly invest in stocks, with high stock positions and high short-term risks. However, you can regularly vote for several funds or fund portfolios that perform better in stock types every month. I suggest that if you want to choose this kind of fund, you can invest 300-500 yuan every month. What are the types of funds? The last category is index fund, also called stock fund. The stock position is above 95%, and the risk is the highest among open-end funds. It mainly tracks the stock market index. The smaller the error, the better the performance of the fund. It is a passive fund, and the performance of index funds is not evaluated by the quality of income.