What kind of fund to buy is mainly related to the needs of investors, because everyone's needs will be different, some want to keep the principal, and some want to pursue income, so we must first understand the types of funds.
Funds can be mainly divided into money funds, pure debt funds, mixed funds, index funds, stock funds, etc. Among them, money funds have the least risk, and money funds mainly invest in the money market, and there are few losses, only that they earn little income, unless the principal is more, the flexibility of money funds is better, and T+ 1 can be received.
Therefore, if conservative investors can give priority to money funds, which are more suitable for investors who don't want to take big risks, then if investors want to pursue returns, they are not suitable for money funds, and the returns of money funds are not very high, and the fund fluctuations are not very large.
Generally, investors who pursue returns are more suitable for high-risk fund types, such as hybrid funds, index funds, stock funds and so on. These funds have stock investment, so the fund fluctuates greatly, which is more suitable for investors who pursue returns, but the risk is relatively large.