As the fund with the lowest risk, money fund is also the fund that everyone is most familiar with in recent years. The annualized return of money fund is the lowest among all funds. Let’s take Yu’E Bao’s monetary fund as an example. The annualized rate of Yu’E Bao in the past seven days is 1.68%. If you save 1,000 yuan a day, you can earn 0.046 yuan, which is almost five cents. The income of money funds fluctuates every day, but it is relatively stable. For a money fund with an annualized rate of 2.5%, you can earn 7 cents a day by saving 1,000 yuan.

2. Bond funds

Bond funds mainly invest in the bond market and have higher risks than money funds. Let’s take China Merchants Credit Tianli Bonds, which are flexible subscriptions and have moderate returns, as an example. Its net value has increased by 3.2% in the past year, and the return of 1,000 yuan saved for one year is 3.2 yuan. On average, it earns nine cents a day. Sometimes the market of debt funds is good or the debt funds held are relatively profitable and the annualized return can reach more than 5%. Calculated at 5%, the return of saving 1,000 yuan for one day is 14 cents.

3. Hybrid funds and index stock funds

Generally speaking, the risk of hybrid funds is higher than that of bond funds, but lower than that of stock funds, and their returns are also higher than those of bond funds. Lower than stock funds. Index and stock funds are the riskiest types of funds, with large single-day fluctuations. Because returns fluctuate greatly, there are funds that rise in a single day and funds that fall in a single day, with different rates of rise and fall, and some funds remain flat on the same day, so it is impossible to give a simple result at once.

There are 360 ??funds with net value growth of more than 60% in the past year, and 2,010 funds with an increase of more than 30%. In addition, there are many hybrid funds that rank high in income. Although CICC Ruixiang A is a hybrid fund, its annualized return in the past year has been as high as 306%. In other words, if you save 1,000 yuan, you can earn 3,060 yuan a year, and you can earn an average of 8.4 yuan a day.

If you choose a stock fund with stable performance, such as Harvest Value Select Stock Fund, its annualized return in the past year is 47%. If you save 1,000 yuan in a year, you can earn 470, with an average daily income of 1.29 yuan. . This kind of income is very considerable! However, some funds have suffered losses in the past year. If you buy an unprofitable fund, you will not only fail to make money but will also lose money.