Different classification methods have different types.

1. Funds are divided into money funds, bond funds, hybrid funds, index funds, stock funds and special funds according to different investment objects.

Monetary fund

It may sound strange. If you say Yu 'ebao, many students must understand it. In fact, our change, put in the balance treasure, is to invest in money funds. This kind of fund has a remarkable feature, that is, the investment cycle is short. Only 120 days or so.

Investment products with short investment cycle are accompanied by relatively low returns. We see that the annualized rate of return of Yu 'ebao is only 2%-3%. Ten thousand dollars, only two or three hundred a year. However, investment is safe, which makes many people prefer to keep their money in Yu 'ebao rather than buy other investment products.

Strong liquidity is a remarkable feature of the money fund. When we need money, we can always take it out. It usually takes two hours to withdraw cash from Yu 'ebao, but actually it takes two seconds. This kind of fund is not suitable for investing to earn high returns, but only suitable for storing family emergency reserve funds.

bond funds

As can be seen from the name, such funds mainly invest in bonds. 80% of the money in the fund buys bonds, and the rest may buy stocks or other investment products.

The remarkable feature of this kind of products is that the investment cycle is long, so the interest is relatively high.

Because bonds are low-risk investments, 80% of such funds buy bonds, and the overall risk is low. The yield is around 5%-7%. Much higher than the money fund, but compared with stocks, the income is still relatively low.

This kind of products belong to stable investment products. It is suitable for investors with certain financial knowledge, because it is necessary to screen and judge the risk of bonds and the level of managers.

2. According to the different ways of raising funds, it can be divided into Public Offering of Fund and private equity funds. Public offering of funds means that fund companies can publicly raise and publicize; Private equity funds cannot be publicized publicly, with a starting point of 654.38+0 million.

3. According to the different ways of establishment, it can be divided into open-end funds and closed-end funds. Open-end funds are funds that can be purchased and redeemed at any time, so the share of open-end funds is changing; Closed-end fund means that the share is not fixed and cannot be purchased and redeemed during the closed period.

4. According to the different trading places, it is divided into: on-site funds and off-site funds. On-site funds are funds listed on the exchange. Generally, there is an independent market to see, and transactions must be opened in securities companies. OTC funds refer to funds traded outside the exchange, such as funds purchased on direct selling or consignment platforms of fund companies (including Alipay, WeChat, Tian Tian Fund Network and various consignment banks).