The common types of investment funds are money funds, bond funds, mixed funds, index funds, stock funds, QDII funds and graded funds. The Monetary Fund mainly invests in bank large time deposits, national debt, commercial paper and high-grade corporate bonds. This kind of fund has little risk and basically does not lose money. It is a stable wealth management product with very high liquidity.
The funds raised by bond funds are mainly used for investment bonds (government bonds, financial bonds and corporate bonds). ) provide investors with stable income. Usually, 80% of the assets of bond funds will be invested in bonds, and a small amount of funds will be invested in the stock market. It has the characteristics of stable income and low risk.
Hybrid funds are generally net worth funds, which mainly invest in stocks, bonds and money markets, and the risks will be high, and the principal cannot be guaranteed. However, according to the different proportion of asset investment, it can be divided into partial stock type, partial debt type, balanced type and allocation type. Partial stock type refers to stock assets purchased by mixed fund assets.
The funds raised by stock funds are mainly invested in the stock market, and the proportion of stocks is generally not less than 80%. After investment, it is risky and easy to lose money. However, stock funds can also be divided into capital appreciation funds, growth funds funds and income-earning funds according to their investment purposes.
Users should have relevant knowledge in investing in funds. When choosing funds, they must choose reputable fund companies, because good fund companies generally have better fund managers to manage funds. Finally, investment funds must use their own spare money and cannot borrow money to invest. Finally, funds need to be held for a long time when investing in order to make a profit.