As the mainstream of low-risk funds, the expected annualized rate of return of money funds has slightly increased, and the weighted average expected annualized rate of return has reached 1.98%, which may lead to a gradual decline in the expected annualized rate of return.

For investors with strong risk tolerance, they can choose bond funds with moderate risk level. In the first three quarters of this year, the overall performance of bond funds was excellent, and the investment ratio of different bond funds was quite different. When choosing a bond fund, investors should carefully analyze the investment portfolio of the fund.

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Precautions:

Correctly understand the risk of the fund and buy a fund type suitable for the user's risk tolerance. Most of the funds issued are open-end stock funds, which are the most risky types of funds in China today. Some investors believe that the stock market is experiencing a big bull market, and many funds are issued through major banks, so there is absolutely no risk.

Dividends are not necessarily the best funds. In order to cater to investors' psychology of making money quickly, some funds pay dividends immediately after the closed period. This practice is to take the money out of the investor's left pocket and put it in his right pocket, which has no practical significance. Instead of focusing on catering to investors, it is better to focus on market research and fund management.

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