What are the types of funds? How big is the risk? Which fund is the least risky?

There are many types of open-ended investment, according to the type of investment, introduce several commonly used, choose according to your own risk tolerance! 1) Currency type**, the least risk in all open-ended**, it can be said that there is no risk, but the return is also the least, slightly higher than a one-year time deposit, but better than the liquidity of time deposits, that is, you can buy if you want to buy, sell if you want to, no handling fees, funds arrive quickly, suitable for investors with low risk tolerance and want to be higher than the return of short-term time deposits. 2) Bond type**, less risk, relatively little return, from the past year and above investment returns, basically risk-free and yieldy, 08 years of income more than far time deposits, hope to avoid risk and more than time deposits, it is recommended that you buy bond **, such as Bank of Communications profit increase c (subscription and redemption are not money, and 08 years of performance is very bullish), Huaxia series of bonds** (Huaxia **, ** in the fighter), GF strong bonds (institutional strongly recommended), Jianxin has steadily increased profits (08 years of performance is very good), the above can be proportional**; 3) Principal-protected type**, which is a conservative allocation type, mainly investing in bonds, with a small amount of allocation** and low risk.

But the reminder is that it is not when to subscribe for the capital protection, the company will promise to protect the capital, only in the capital protection of the issuance period of the subscription and hold to the specified period of time to protect the capital, if the issuance has been successful or in the middle of the redemption are not principal, the risk is lower than the general type, the income is higher than the bond type. Suitable for long-term investors with a low risk tolerance. 4) Conservative allocation**, (commonly known as hybrid) mainly invests in ** and bonds, **** is low, the risk is high, investors can appropriately allocate positions and hold them for a long time.

Recommended**There is a risk budget of ABN AMRO, Bosera Balanced Allocation, Huaxia Return, Gensstanley Resources, Industrial Convertible Bonds**, Bank of China China, Huaan Baoli Allocation. 5) Positive allocation type**, (commonly known as hybrid or partial stock type) main investment**, high, high risk in the short term, but you can use a monthly fixed fixed investment of a few ** type in the better performance of ** or ** combination, it is recommended to invest 300-500 yuan per month, such as Huaxia Fuxing (has stopped subscribing), Huaxia ** (has stopped subscribing), Xinhua Preferred Growth, Yinhua Value Preferred, Industrial Social Responsibility, Huashang Shengshi Growth, Yiji Value Growth, Yinhua Leading Strategy, Fuguo Tianrui, Huaxia dividends, etc. 6) Exponential type, also known as **type, **** up to more than 95%, the highest risk in the open-ended**, mainly tracking **index, the smaller the error represents the better the performance, not to the income of good or bad to evaluate the performance of an index type, belongs to the passive type, such as CSI 300, SZSE 100, SSE 50, SSE 180, small and medium-sized board and other indexes.

Tips: Investment**First of all, you must choose a suitable one's own style**, allocate a better portfolio, and then adopt a long-term investment strategy, (it is recommended to hold and invest for 3 years or more) so as to better avoid risks and achieve better returns.

I'll beat the gong and drum for you, and you're like that? 79

With the continuous development of the investment market and economy, more and more people have begun to understand and contact, and some investors want to use ** for financial management or investment. However, it should be noted that there is also a risk ranking, and risk types.

Hello, **The risk is reflected in the following aspects:

1. Open-ended** subscription and redemption risk of unknown price;

2. Open-ended investment risk;

3. Force majeure risk;

4. Market risk;

5. Policy risk;

6. Economic cycle risk;

7. Interest rate risk;

8. Operational risks of listed companies;

9. Purchasing power risk.

Different types of ** have different risks, some are high risk, while others are low. For example, capital protection**, if there is a loss, it can protect the investor's principal from being affected; Instead of capital protection**, if there is a loss, it may make the investor lose all his money.

According to the different investment risks and returns, it can be divided into growth, income and balance. According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type.

China's **investment** are all contractual**.

Most countries require that hedged** investors must be sophisticated and accredited investors who are aware of the risks of investing and willing to take on those risks, as the likely returns are associated with the risks. To protect funds and investors, managers can employ a variety of risk management strategies.

Hedging** managers may hold large short-term positions and may have a particularly comprehensive risk management system. **A "risk officer" may be set up to be responsible for risk assessment and management, but not involved in trading, or a strategy such as a formal portfolio risk model may be employed.

A variety of measurement techniques and models can be used to calculate the risk of hedging** activities; Depending on the size and investment strategy, the manager will use different models. Traditional risk measurement methods do not necessarily take into account factors such as the normality of returns. In order to take into account the full range of risks, the shortcomings of using value-at-risk (VAR) to measure risk can be compensated for by adding models such as impairment and "time to loss".

According to the different investment objects, **type**, currency**, bond** and hybrid **.

The first is the **type**, according to the classification standards of the China Securities Regulatory Commission, more than 80% of the **assets invested in ** are **type**. Therefore, the proportion of **type investment** is very high, and the investment risk of ** is relatively high, so this type of ** has the highest risk among all ** types, but from the perspective of long-term holding, the return is also the highest.

The second is the currency type, which is currently the least risky of all types of ** compared to the most risky **type**. Currency type refers to the investment in the money market, the money market is generally a financial market with an investment period of less than one year, and the investment varieties mainly include short-term bonds issued by countries and enterprises within one year, bank short-term deposits, etc. These investment varieties have a good guarantee for the safety of the principal, but because of the low risk, it also determines that the risk and return of the currency type are also the lowest among all types.

However, there is also a point of currency **, that is, it has strong liquidity, and it can generally be redeemed on the same day and will arrive on the same day.

According to the classification standards of the Securities Regulatory Commission, more than 80% of the assets invested in bonds are bonds. In general, the long-term return of the bond type is between the currency type and the bond type, and there is an advantage that when the bond type appears, the income of the bond type is also relatively stable.

Finally, there is the hybrid type, as you can see from the name, this type of ** is a very rich variety of investments. Hybrid** can be invested in both bonds, bonds, and money markets. And there is no strict limit on the proportion of investment** and bonds.

Therefore, the hybrid type is very flexible and can adjust the proportion of various investments according to market changes, and in general, the long-term return of the hybrid type is between the bond type and the type **.

It is a relatively risky investment, which can be divided into 4 different types, mainly including currency types, and then also includes bond types, as well as hybrid types, and the last one is the type of money.

It is a kind of venture capital, because ** will also change at any time, sometimes the profit will be very high, sometimes the profit will be very low.

**It is an investment tool commonly used by individual investors, with a generally low investment threshold and flexible subscription and redemption. Compared with **, the investment risk of ** is small, but the expected return and risk gap of different types is still very large.

At last. There are Portfolio**, Hedging**, Balance**, **Type**, Bond** and so on.

At present, there are three types, stable, medium risk, and heavy risk, which is an investment, and there are still more selective investments.

How high is the investment risk of various ** varieties? According to the scope of investment, it can be divided into**type**, index**, hybrid**, before**, currency**, baby seepage products, etc.

** Investment varieties and their risk characteristics.

Mixed ** is further divided into cluster key equity type (** allocation ratio 50%-70%, bond ratio 20%-40%), debt bias ** (bond allocation ratio 50%-70%, ** ratio 20%-40%), balanced ** (**, bond ratio is more average, about 40%-60%) and allocation ** (stock and debt ratio adjusted according to market conditions).

**The starting point of investment is low, mostly 1000 yuan starting investment, if it is a regular investment, it can be invested at 300 yuan, which is an investment variety that the public can widely participate in. However, there are also some problems in the domestic market, such as the investment expected annualized expected return, the management fee is correct. Many foreign companies have realized that management fees are calculated according to the amount of investment performance, and management fees will not be charged if the performance is not good.

It is believed that with the continuous development of the domestic financial industry, the domestic financial industry will gradually improve its own incentive mechanism.

Hello, which is the risk and the risk? First of all, investors need to pay attention to interest rate risk. ** is closely related to changes in market interest rates, and moves in the opposite direction.

When market interest rates enter a rate hike cycle, mostly** will fall; Market interest rates, on the other hand, usually rise when they are in a rate cut cycle.

Secondly, credit risk is also an issue that investors need to pay attention to. There are a number of listed companies in China that have issued corporate bonds, and some rating agencies will rate the credit, and the yield with a lower credit rating will be higher than that of a similar higher credit rating. However, if the issuer fails to pay interest or repay the principal on time, it is exposed to a high credit risk.

If the credit rating drops, it will cause the ****. Third, inflation risk is also a problem that investors can not ignore, considering that inflation will eat up the purchasing power of fixed income, mature investors often include ** and ** together in the scope of asset allocation. **What are the investment risks?

Interest rate risk** is closely related to changes in market interest rates, and moves in the opposite direction. When market interest rates rise, most of the ** will fall; When the market turns the interest rate lowers, the ** usually rises. In general, the longer the maturity date, the more affected the market interest rate** is.

Similarly, the value of ** is affected by changes in market interest rates. The longer the average maturity date, the higher the interest rate risk. Credit risk refers to the risk that the issuer will not be able to pay interest on time and repay the principal when due.

If the issuer fails to pay interest or repay the principal on time, it is exposed to a high level of credit risk. Investors often demand higher returns to compensate for the higher credit risk that lower-grade credit may face. Some rating agencies will rate the credit.

If a credit rating is reduced, it will lead to a decrease in the net asset value of the **** and the ** holdings. Deferred refers to the risk of early redemption, when the market interest rate falls, the issuer is able to raise funds at a lower interest rate and therefore can repay the high interest rate early. Holding an early redemption option** will not only not receive high interest yields, but will also be exposed to reinvestment risk.

Inflation eats away at the purchasing power formed by fixed income, so investors cannot ignore this risk and must buy some of it appropriately. Please refer to it!

**of** high risk.

1. Bond type ** refers to fixed income financial instruments such as treasury bonds and financial bonds as the main investment object, because the income of the investment products is relatively stable, and it is also called "fixed income**". The investment risk of bond type ** is smaller than that of type **, but the return is also less. However, the long-term return on investing in bonds** will be higher than bank savings.

Often used as a hedge against inflation.

2. Principal-protected type** mainly invests most of the principal in fixed-income investment instruments, such as fixed deposits, bonds and bills, etc., so that the principal plus interest at maturity is greater than or equal to the initial principal. Instead, the yield or a small portion of the funds is invested in** and set in derivative financial instruments such as options to earn market spreads over the investment period.

In the downturn in the market, everyone is holding the principal, and then don't know where to go, the principal preservation type ** is a better choice, but the degree of capital protection, and the degree of risk is the same.