What is a segregated fund? How to buy?

Hello, principal-protected type refers to the use of portfolio insurance technology, to ensure that investors can at least get the investment principal or a certain return at the maturity of the investment, its investment goal is to lock in the risk while striving to have the opportunity to obtain a potentially high return.

It has three characteristics, namely principal protection, semi-enclosedness, and value-added potential.

1. Principal protection.

The core feature of the principal-protected type ** is that when the investor holds ** at the maturity, he can at least obtain the investment principal and a certain return, so the investor can avoid the loss of the principal by investing in the principal-protected type**.

2. Semi-closed.

The principal-protected type will stipulate a period of principal protection, and the holder can only obtain the guarantee of the principal protection when the principal protection expires. If you redeem it early, you will not enjoy preferential treatment.

3. Value-added potential.

While ensuring the safety of investors' principals, the principal-guaranteed type shares the income of the market through the investment of ** or various financial derivatives. Compared with bank deposits or treasury bond investments, the principal-protected type** has a higher appreciation potential, and has a higher expected return while also guaranteeing the return on principal.

Capital protection** refers to providing investors with a certain proportion of principal security guarantee by investing in low-risk fixed-income financial products during a certain investment period, and on the other hand, providing investors with additional returns through the investment of some other high-yield financial instruments (**, derivatives**, etc.). The management company will guarantee that the investor receives a percentage of the principal amount invested, such as 100% of the principal, after the maturity of the term.

The disadvantage of capital preservation is that capital protection only invests a small part of its assets, and when it is in a bull market, it will miss the opportunity due to the limited funds to invest. In addition, if the investor withdraws before the expiration of **, he cannot enjoy the condition of capital protection.

Among the open-ended ** currently launched in China, the ones that belong to the capital protection ** are: Southern Hedging, Yinhua Capital Guaranteed Value-added, Tiantong Capital Guaranteed Value-added, Harvest Pu Security Capital, and Golden Elephant Capital Guaranteed Value-added.

A "principal-protected type** and principal-protected** mean the same thing?" "The problem is getting a lot of attention, and I'll talk about what I understand. Let's talk about the details.

Is this principal-protected type**and principal-protected** the same meaning, of course it is the same meaning, it is just a little more concise description of this word. It means the same thing, and it also refers to the same thing. Principal-protected type**, it is the least risky one**, this **usually refers to the bond type**, its risk is particularly small, of course, its profitability is relatively weak.

Generally speaking, in the investment market, the greater the risk, the higher the return on investment. The bond type is more suitable for some investors who already have a lot of money. For example, if you already have 10 million funds, and you hope that you can use the 10 million to make money steadily, you don't need to pursue too aggressive returns, you just need it to make money for you stably, and don't lose money, then you are very suitable for choosing this bond type**, that is, the principal-guaranteed type**.

In addition to the principal-protected type, we also have the aggressive type, and the main point of the silver type is the type. **type** its fluctuation is relatively large, earn may earn a lot, loss may also lose a lot, **type** is often provided to those whose funds are slightly smaller to pursue a higher utilization rate of funds, so that funds to earn more money This option can try our **type**. <>

If the three are hybrid**hybrid**, it is a combination of the above two, about half of the **type**, and about half of the **bond**. This kind of ** is that the risk is not too high and not too low, the return is not too high, and it is not too much to mention, in general, it is a relatively neutral state, and this is also a better choice.

After reading it, remember to like + follow + collect.

It's the same meaning, but with a slight difference, but in fact the meaning is the same, referring to the same thing.

The two basically mean the same thing, that is, on the basis of protecting your principal, you can earn some money, but the profit is definitely relatively small.

It's not the same meaning, the two have different relationships, and the two meanings are not the same in life.

Three tricks to teach you to choose the right principal-protected type**, how to choose the right principal-protected type**?At the current time when the capital protection is hot, the issuance of the capital protection is also in full swing, the market is mixed, and the categories of capital protection are different, so how can we choose the right type of capital protection?Let's tell you:

Meaning of Capital Protection**.

Principal-protected rebate fund refers to a certain percentage (generally 80-100%) of the principal invested by investors within a fixed investment period**. That is to say, on the maturity date of the investment period, according to the investment results of the manager, the investor can at least get back a certain percentage of the principal, and the unguaranteed part of the principal (referring to the capital protection range of less than 100%) and the income are still at certain risk.

Three tricks to teach you to choose the right type of capital protection**:

The method of choosing the right principal-protected type**.

1. Choose products with relatively good historical performance.

Historical performance is one of the important criteria for testing the investment and risk management capabilities of a principal-protected** manager. According to the data, a total of 10 principal-protected** companies have maintained their performance ranking in the top two-thirds of similar products in the past three annual periods (2013, 2014, and since 2015 to August 5). In addition, a total of 34 principal-protected** companies have maintained their performance in the top two-thirds of their peers in the past two annual periods (2014 and since 2015 until 5 August).

The method of choosing the right principal-protected type**.

2. Choose the capital preservation that is more inclined to bond type in the allocation**.

From the perspective of safety, choose capital preservation with a low shareholding ratio and a relatively high proportion of debt holdings and bank deposits**. The higher the ratio, the higher the risk appetite for capital protection** and the greater the volatility of its net worth.

The method of choosing the right principal-protected type**.

3. Holding the guaranteed capital ** expires.

"Capital preservation" is not absolute capital preservation, but the pursuit of "capital preservation to the time of the sedan car", that is, the manager will consider different investment styles in different time periods when managing products.

In the early stage of capital preservation, the manager mainly invests in fixed income assets and accumulates safety cushionsIn the medium term, the manager will take into account the proportion of safety cushions and appropriately participate in equity assets to expand returnsIn the later stage, the manager reduces the proportion of risk assets for the purpose of preserving the fruits of victory. Generally speaking, during the medium-term increase in equity investments, the yield of capital protection** may fluctuate greatly, and if investors withdraw at this time, there may be a loss of principal. As the start and end dates of capital protection** vary, investors can check the announcement of ** on their own.