Fund classification
There is almost no loss. The cargo base mainly invests in fixed-income assets with a remaining maturity of less than 1 year, such as government bonds and bank time deposits. It does not invest in the stock market, and there is no redemption fee. 1 10,000 yuan can be redeemed quickly. Therefore, it has the characteristics of "low risk, low income and high liquidity" and is suitable for small change financial management or cash flow management. For example, Yu 'ebao is a money fund.
Bond funds, steady appreciation is the main line, but the risk level is very different. Major investment bonds, such as treasury bonds, financial bonds, corporate bonds and other fixed-income financial instruments. It will also invest in some stocks and convertible bonds. If the proportion of stocks or convertible bonds is high, the risk level of debt base will also increase accordingly.
Equity funds, more than 80% of the funds in the fund are invested in stocks, mainly referring to the stocks of listed companies, and the rest will also be invested in bonds and bank deposits. This kind of investment is suitable for investors who can bear considerable risks.
QDII Fund, the acronym of qualified domestic institutional investor, mainly invests in stocks in overseas markets, such as U.S. stocks, Hong Kong stocks, emerging markets, Asian regions or other countries, which helps to spread the risks in a single market. The threshold is very low, usually starting from 10 yuan, which is a good supplementary tool for domestic investors.