According to the different investment objectives of funds, funds are usually divided into balanced funds, income funds and growth funds. Their characteristics are as follows:
Balanced funds aim at capital security, current income distribution and long-term growth of capital and income, and pay more attention to the combination of long-term and short-term income and risk in their portfolios.
The basic goal of income-based funds is to pursue high returns in the current period, with securities that can bring stable returns as the main investment target.
With the basic goal of pursuing long-term asset appreciation and profitability, growth funds invests in stocks or other securities of listed companies with good growth potential.
Balanced funds can be roughly divided into two types: one is a balanced fund of stocks and bonds, that is, the fund manager will adjust the allocation ratio of stocks and bonds in time according to market changes. When the fund manager is optimistic about the stock market, he will increase the position of the stock, and when he thinks that the stock market may adjust, he will increase the bond allocation accordingly.
Another kind of balanced fund, while balancing stocks and debts, emphasizes dividends and pays more attention to the safety of bags, which is also one of the ways to avoid risks. Take a balanced fund as an example. As stipulated in the fund contract, when the realized income exceeds the bank's one-year time deposit rate \ (before tax \) 1.5 times, dividends must be paid. Investors who prefer dividends can consider such funds.
Organized from Baidu Encyclopedia.
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