1, the higher the share ratio, the higher the risk. When the stock market rises, it gains the most, but when it falls, it may lose the most.
2, hybrid funds, bond funds, the safest is the money fund, but the income is also the lowest.
It is suggested that investors who choose funds should choose the appropriate fund type according to their own risk tolerance and financial management objectives. Only the performance comparison of similar funds is meaningful.
According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded 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. China's securities investment funds are all contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.
(4) According to different investors, it can be divided into bond funds, stock funds, money funds and hybrid funds.
Warrant fund: This kind of fund mainly invests in warrants. Because warrants have the characteristics of high leverage and high risk, the fluctuation range of such funds is greater than that of equity funds.
Contractual fund, also known as unit trust fund, refers to a fund management company jointly funded by specialized investment institutions (banks and enterprises). As the principal, the fund management company and the trustee jointly issue beneficiary certificates-"certificate of fund unit holding" to raise idle funds in society.
Balanced fund refers to a fund whose investment goal is not only to obtain the current income, but also to pursue the long-term appreciation of the fund assets, and to disperse the funds into stocks and bonds to ensure the safety and profitability of the funds.
Balanced fund is a fund that pursues both long-term capital appreciation and current income. These funds mainly invest in bonds, preferred stocks and some common stocks. The portfolio proportion of these securities is relatively stable. Generally, 25% ~ 50% of the total assets are used for preferred stocks and bonds, and the rest are used for common stock investment. Its risk and return are between growth funds and income fund.