The investment risk of money fund is the lowest, and the risk it faces can be basically ignored; Mainly invest in short-term monetary instruments, such as treasury bonds, central bank bills, commercial bills, bank time deposit certificates, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities. Both ordinary Yu 'ebao and change pass belong to the category of money funds.
Bond fund refers to a fund that specializes in investing in bonds. By pooling the funds of many investors, it makes portfolio investment in bonds and seeks relatively stable returns. The proportion of bonds in bond funds is required to be above 80%, and the rest is 20%. Not as safe as the money fund, but the income is higher than the money fund. Generally, there will be no loss after investment.
Hybrid funds refer to funds that invest in both stocks and bonds, with lower risks than stock funds and higher expected returns than bond funds. According to the proportion of asset investment and its investment strategy, it can be divided into partial stock funds, partial debt funds, balanced funds and allocation funds. It provides investors with a tool to diversify their investments among different assets, which is more suitable for more conservative investors.
The main investment product of stock funds is stocks, accounting for more than 80%, and the risks after investment are great. Different stock funds invest in different types of stocks. Stock funds can be divided into preferred stock funds and common stock funds according to the types of stocks. According to the purpose of fund investment, stock funds can be divided into capital appreciation funds, growth funds funds and income funds.
Finally, when users invest in funds, it is best to choose the appropriate fund investment according to their own risk-taking ability, so that they can obtain stable income after investing in funds, so as to give consideration to both risks and benefits.