First, let's understand what a hybrid fund is.
Hybrid funds refer to funds that invest in stocks, bonds and money market instruments and do not meet the classification standards of stock funds and bond funds. According to the different investment ratios and investment strategies of stocks and bonds, hybrid funds can be divided into various types, such as partial stock funds, partial debt funds and allocation funds.
Hybrid funds are * * * mutual funds with fixed expected return investments such as growth stocks, expected return stocks and bonds. Let investors diversify their investments by choosing a fund variety, without buying different styles of stock funds, bond funds and money market funds. Can be roughly divided into the following categories:
1, partial stock type: stocks account for 50%-70%, and bonds account for 20%-40%.
2. Partial debt: stocks account for 20%-40% and bonds account for 50%-70%.
3. Balanced type: the proportion of stocks and bonds is relatively average.
4. Configuration type: The stock-debt ratio may be 0- 100% according to market adjustment.
Seeing this, many people will feel too abstract. I'll give you a summary below to make you more aware of what a hybrid fund is.
Hybrid fund means that fund companies can use the money raised to deposit interest, buy bonds, speculate in stocks and other directions, and the investment is very flexible.
If the stock market is good, you can buy more stocks and earn more money. If the stock market is not good, you can deposit your money in the bank or buy some bonds to earn less, which is much more flexible than other simple fund types. In addition, hybrid funds do not necessarily make money in a bear market or a bull market. It is just a financial product that can be attacked and defended, and it is a fund with flexible characteristics.
So if you are going to buy a hybrid fund, you have to do your homework and choose carefully. After the popularization of science, did you gain more knowledge and learn more basic knowledge of funds?