Fund products in the market are divided into: stock funds, hybrid funds, bond funds, currency funds and other types. When investors buy funds, it is still recommended to do a risk rating first, and then they can also refer to the purchase type based on their own circumstances.
1. Stock funds have the highest risk coefficient among all fund types. Stock funds are stock portfolio funds. They will not rise and fall like stocks. But when the stock market plummets, stock fund products will also They will fall with the market. When the stock market rises sharply, stock fund products will also rise with the market. The returns and risks are relatively high, so it is not recommended for novices who are just getting started.
2. The risks of hybrid funds and bond funds are much smaller than that of stock funds. Hybrid funds can invest in a combination of stock funds, bond funds, and currency funds, and the risks are relatively high. Much smaller, but still a fund-neutral risk. Bond funds invest in the bond market. But for novices, even if they pass the risk rating and the investors are preference and aggressive and prudent investors, it is still not recommended to start participating in these two types of funds because investors do not understand the market.
3. Currency funds are the safest and least risky fund products among the four types of funds. It mainly invests in bonds, central bank bills, repurchases and other high-security products. Investors who are new to buying funds are advised to participate.
When investors buy funds, since they are just getting started, it is recommended to choose a currency fund with higher security.