Graded fund is a kind of financial investment tool based on fund. On the basis of a main fund, graded funds issue two different levels of shares, A and B, corresponding to different risk-return levels. Among them, the risk and return of graded fund A share is higher, and the risk and return of graded fund B share is lower.
The risk-return ratio of graded fund A is higher because it first enjoys a certain proportion of the main fund income, but also bears higher risks, so the income is higher. However, the B share of the graded fund enjoys the income of the main fund after the A share, so the risk and income are low, but the risk is relatively low, so the income is relatively low.
The investment strategy and fund management methods of graded fund A share and B share are the same, but the risks and benefits are quite different. Therefore, investors need to choose the corresponding share according to their own risk tolerance when purchasing graded funds.
When choosing a graded fund, investors need to know not only the risks and benefits of the fund, but also the historical performance of the fund, the background of the fund manager and the asset allocation of the fund, so as to evaluate the investment value of the fund.
In short, the difference between the A share and the B share of graded funds lies in the different levels of risk and return. Investors need to choose the corresponding share according to their own risk tolerance, and make comprehensive consideration and analysis when choosing funds in order to find better investment opportunities.