FOF is divided into target risk type and target income type. Target risk is defined according to different risks, and there are three levels: within 30%, within 60% and within 80% of equity, which correspond to steady, balanced and enterprising respectively. Stable FOF is a very popular product.
The equity assets of the stable FOF account for less than 30%, and the fixed income "+"is also an asset allocation with fixed income assets as the mainstay and equity assets as the supplement. From this point of view, fixed income "+"and stable FOF are similar products in asset allocation, so what is the difference between fixed income "+"and stable FOF?
The bottom of ordinary "fixed income+"is stocks and bonds, and the bottom of FOF is funds. This is the biggest difference between the two.
Compared with other fixed income+,the advantages of FOF "fixed income+"mainly lie in two aspects:
First, control risks and get higher returns at the same time.
FOF is a fund in the fund, which can realize the concept of "portfolio", so it may have the advantage of avoiding non-systematic risks, gaining more benefits while controlling withdrawal, and also bringing investors a better sense of investment experience, which is a very important factor affecting investors' investment sentiment. Products with good investment experience can increase investors' confidence and make investors more rational.
Second, liquidity is better.
The bottom of the FOF is the fund, so the main investment target is the fund, and the scale factor has relatively little influence on the FOF strategy. In extreme cases, FOF funds have a strong ability to resist risks.
From these perspectives, the stable FOF is a very suitable investment and financial management product for stable investors.