I. Fund type:
Digital treasure, as its name implies, is bound to funds that track different indexes. It is the third financial management tool of "Baby Department" after Tian Tian Fund Network. Buying a digital treasure is to invest in this fund that tracks the index. When Digital Treasure was launched, it included a number of optimization funds that tracked domestic and foreign indexes to meet the needs of different index investments.
The funds of Tian Tian Fund Network include index funds, stock funds, mixed funds, bond funds and monetary funds.
Second, the preferential rates:
The minimum preferential rate for the subscription of Zhishubao Index Fund is 0.5%; The subscription rate of Tian Tian Fund Network Fund is generally 0.6%.
Third, the starting point of purchase:
The starting point of fund subscription for Digital Treasure is generally 100 yuan; The fund subscription starting point of Tian Tian Fund Network is generally 1000 yuan.
Fourth, the risk level:
It refers to taking some or all of the stocks contained in an index as its investment object to construct the portfolio of index funds, with the aim of making the change trend of this portfolio consistent with the index, so as to obtain roughly the same rate of return as the index. Because of investing in stocks, the risks are self-evident and relatively large, but the expected returns are also high.
Each fund is classified according to the three-level classification system according to the investment direction, investment scope and investment proportion clearly stated in its fund contract and prospectus.
There are seven types of high-risk funds: standard stock funds, common stock funds, standard index funds, enhanced index funds, partial stock funds, flexible allocation funds and stock-debt balance funds.
Funds classified as medium risk include: partial debt funds and ordinary bond funds (Grade II) ***2.
Funds classified into low-risk categories are: long-term standard bond funds, short-term standard bond funds, ordinary bond funds (Grade I), principal guaranteed fund, money market funds (Grade A) and money market funds (Grade B) ***6.