A fund with guaranteed capital and stable income. There are two kinds of funds, 1 called money funds, which, as the name implies, are funds that bind money together. The characteristic of this kind of fund is very stable, and it is basically impossible to have negative returns. Only the problem of this kind of fund is that the increase is very small, which may be around 2%~4% a year, which is also the impact brought by security. This kind of fund is absolutely safe, but at the same time its interest rate is very low. Monetary funds are suitable for large-sum purchases, because in this way, they can ensure that they can obtain very stable income, and this part can be purchased directly with their own important funds without using hot money.

Another fund type is bond fund, which is also very safe. But it also depends on the ratio of bonds to funds. Some bond funds have higher annualized returns, reaching more than 20 points, but there are also risks. This kind of bond fund buys some stocks, so it changes a lot. But if you buy a pure bond fund, the risk itself is very small, and it is basically a type of steady profit. Buying these two types of funds can make a steady profit without losing money, and it is very stable and convenient to access. Like other fund types, such as index funds or stock funds, although the returns are high, at the same time, the risks are also great, and it is impossible to make a steady profit without losing money.

Therefore, there is a fund that can make a stable profit and is very stable. However, this kind of fund has a low rate of return, but it has a high security attribute and needs to be configured according to personal financial needs. If the risk tolerance is low, buy such funds.