the worst result is that the fund is liquidated. Because Class C funds are more suitable for short-term investment, the cost structure is sales service fee and redemption fee, and the sales service fee will increase with the time when you hold the fund share.

the fixed investment of the fund is planned from a long-term perspective, so it usually takes a long time to reflect the role of the fixed investment of the fund. It should be noted that the longer term here refers to more than one year.

:

1. The difference between Class A and Class C funds:

1. The recovery is different: for the same fund, Class A shares have subscription fees and redemption fees, and the longer they are held, the smaller the redemption fees will be, and the lowest can be zero; There is no subscription fee for Class C shares, but there is a sales service fee, and it also charges a redemption fee, which decreases with the increase of holding time.

2. Different deductions: Class C funds are designed for users who like short-term investments. Therefore, let's draw a conclusion first. We can buy Class C funds for short-term investment and Class A funds for long-term investment.

3. The net value is different: the sales service fee of Class C is a daily collective, which is directly deducted from the fund assets and reflected in the daily net value, so the net value of Class C funds is often lower than that of Class A funds.

II. Lower-risk funds

1. Money funds

Among all types of money funds, the products with the lowest risk level, such as various baby products, are also docked with money funds. At present, the annualized rate of return of money funds is about 3%~1%. Although money funds are floating non-guaranteed income products, their risks are low and the probability of negative growth is very low. Generally speaking, money funds are low.

2. Short-term debt funds

The risk of short-term bond funds is slightly higher than that of monetary funds, but lower than that of mixed bonds and convertible bonds. Up to now, the expected annualized rate of return of short-term debt funds is around .12%-5.3%, and the lowest rate of return is the last one. From this data, the short-term fluctuations have experienced negative growth, but from the income of the past year, they are basically all negative.