1, Monetary Fund

Monetary fund has the characteristics of high security and high liquidity. Generally speaking, the possibility of money fund losses is very small, and investors can choose fund companies with strong anti-risk ability, which are suitable for prudent and conservative investors to invest.

2. Bond funds

Bond funds invest in bonds with fixed expected returns, such as treasury bonds or corporate bonds, and have the characteristics of redemption at any time. Generally speaking, there will be fluctuations in the short term and steady growth in the long term, which is suitable for stable investors and meets the security needs of investors.

3. Mixed funds

Hybrid funds can invest in all the targets of other funds, and the risk level can also be adjusted. Generally, there are bond and stock mixed funds or balanced funds. Investors can choose funds according to their risk preferences. The risk level is medium-high risk.

4. Index funds

Index funds take the index as the tracking object. Compared with other funds, index funds are less dependent on fund managers, because they track targets and have higher information transparency. The general risk level is high risk.

5. Equity funds

Equity fund is the most risky investment fund in fund investment. Because its investment target is the stock of listed companies, which fluctuates greatly, it is very important to choose a better manager. The better the manager, the better the capital allocation and investment strategy, and the higher the profit may be.

6. Other fund types

Hedge funds, linked funds and enhanced funds are all developed on the basis of conventional funds. These funds have their own investment advantages and different risk levels, so they generally need specific analysis.

Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.

From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.

According to different standards, securities investment funds can be divided into different types:

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 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 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.

manipulative skill

Look at the market outlook before operating.

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. Then decide whether to redeem or not, and 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.

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.

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.