Fund, which can be said to be a hot item in our contemporary era, suddenly stepped out of the circle among a generation of young people. However, many novice investors rushed up after following the trend, mainly because everyone did not do enough homework. Let's talk about its finance today. If we novice investors make a fixed investment, what kind of foundation should we choose?

What kind of fund is better for beginners?

According to the different investment targets, there are different types of funds, and their overall risks and returns will be different. Next, a brief analysis of the fixed investment of several funds.

1 money fund: this is the fund type with the least risk and the lowest return. The balance treasure that we usually use is one of the most familiar money funds. Because its risks and benefits are very low, it is said that its fixed investment is of little significance.

Fixed investment is actually to reduce risks for us as much as possible, and it is an investment method to smooth price fluctuations. If the risk of the fund itself is very low, there is absolutely no need for us to choose a fixed investment, but the earlier we invest, the earlier we can get more income.

2 Bond funds: Pure bond funds are similar to money funds, with relatively low risks and relatively small fluctuations in returns. Therefore, it is generally difficult to say that the yield of fixed investment bond funds exceeds one-time purchase.

3 Hybrid fund: With both stocks and bonds as investment targets, the risks and returns will be slightly larger. It needs to adopt fixed investment to reduce risks and smooth prices, and its risk is lower than that of equity funds, so it is more suitable for novice investors.

4 Equity funds: Equity funds are actually very suitable for fixed investment. If we have strong fund selection ability, it can bring us good income. However, as novice investors are often confused about how to choose a fund and cannot bear too many risks, it is recommended to choose carefully.

What needs to be reminded here is that the fund should also pay attention to choosing a suitable profit-taking opportunity, or increase or decrease investment according to market conditions to average costs and spread risks. Of course, this is just a personal opinion, for reference only, not as any investment advice. If you want to know more about the fund's fixed investment, you can click on the course link below to find out.