First of all, let's understand the risks of funds. The risk of the fund is from high to low: stock fund >; Hybrid fund > bond fund > money market fund.
If you buy a money fund, you can basically make money by holding it for a long time. The income of the money fund is generally between 2% and 3%. How much money you can earn depends on your principal and the increase of the fund. For example, Xiaobai buys a monetary fund with 1 10,000 yuan, and the highest annualized rate of return on the 7th is calculated as follows:
10000 yuan
From the above, we can see that the daily income of the money fund is RMB.
Secondly, there are bond funds. Generally speaking, the average annualized rate of return of bond funds in the past two years is 20%. Suppose you buy a 1000 bond fund and earn about one yuan a day.
If it is a hybrid fund, generally speaking, the annualized rate of return in the past two years is around 34%. Suppose you buy a hybrid fund of 1000 yuan, and you earn about RMB a day;
Finally, there are equity funds. Generally speaking, the annualized rate of return in the past two years is around 47%. Suppose you buy 1000 stock funds and earn about RMB a day.
But these are the money and profits that can be earned when the market is good. If the market is not good, except for the money fund, there will generally be a decline, and the decline is almost the same as the rise.