What funds can be bought to protect capital? Can a segregated fund really protect its principal?

The risks and returns of the market vary depending on the type, investment target, investment strategy, manager and other factors, and there is no such thing as full capital protection. However, there are some** that are relatively less risky and suitable for more conservative investors. Here are some of the safer types:

1.Currency**: Invest in short-term bonds with low risk and relatively stable returns. But the yield is relatively low.

2.Bonds**: Invest in fixed income**, such as treasury bonds, corporate bonds, financial bonds, etc., with low risk and relatively stable returns.

It should be noted that investment needs to choose the right type and manager according to your own risk tolerance and investment objectives. At the same time, it is also necessary to fully understand the relevant information and risk warnings of ** before investing.

Hello, there is an option to buy the currency type**.

At present, all ** or wealth management products do not have the statement of capital protection, as long as the risk is different.

Buying a currency** can protect the principal, but the yield is relatively low.

Hello, buying ** is also to do investment, as long as it is an investment will be risky, you can buy ** according to your risk tolerance to buy the corresponding risk products, ** generally long-term holding of the probability of a good return

Don't mess with this, don't mess with this move, this thing is a bit unreliable.

The first time in 2003 was that the so-called "capital preservation" was only for a complete capital preservation cycle.

Let's start by looking at how they work. First of all, there must be a capital protection cycle, which is usually 3 years in China, and after expiration, it will ensure that the original investor can at least get back the original subscription funds and subscription fees. In other words, investors use 1 yuan to subscribe for capital protection**, plus 1% of the subscription fee, the total cost is yuan, and this part of the investment can be recovered at the end of the capital protection cycle.

Secondly, the manager of capital protection will divide the assets into two parts, one is the capital protection assets, mainly to purchase fixed income products such as bonds; The other part is risky assets, mainly investments** and warrants. In order to achieve the goal of capital preservation, the manager will calculate how much assets need to be taken out for capital preservation based on the interest rate of 3-year fixed deposits in the market. If the initial scale of ** is 1 billion yuan, it is ultimately necessary to ensure that the assets are not less than 100 million yuan after 3 years.

In addition, the company will also introduce a guarantee mechanism so that at the end of the capital protection period, the initial principal and subscription fee can be returned to investors.

When investing in capital protection, we also need to pay attention to some issues, one is that capital protection is only for a complete capital protection cycle, if you subscribe or redeem halfway, the principal is not guaranteed; Second, the redemption fee of capital protection** is high, up to 2%, which is not suitable for short-term investment.

As an important investment tool in the investment market, it has always attracted the attention of all kinds of investors, and some investors do not have a high risk tolerance, but they also want to invest in **try, so they ask whether there is a principal-guaranteed type, such a question, in fact, there is a principal-guaranteed type, so let's take a look at it together.

**Is there a principal-protected type?

In the investment market, there is a type of capital protection**, which is a low-risk investment method that guarantees the principal. Generally speaking, the majority of the assets are invested in fixed income bonds to pay the investor's principal at the end of the maturity, and about 15%-20% of the remaining assets are invested in instruments such as ** to enhance the return potential.

Principal-protected type** needs to pay attention to the problem

First, if the capital protection period of capital protection ** has a single period, generally speaking, the capital protection period is generally 2-3 years;

Second, if the principal is guaranteed ** for redemption in the middle of the process, no guarantee of capital protection will be provided;

Thirdly, not all principal-protected types** offer 100% principal protection.

Is principal-protected ** necessarily principal-protected?

Under normal circumstances, unless the issuer goes bankrupt and liquidates, it will affect the redemption of the principal, which basically satisfies the safety of investors.

However, although the basic principal can be guaranteed, there is no guarantee of expected return, and for investors, if they can only redeem the principal and have no expected return between holding for a period of time, it is also a loss.

In addition, there is also a part of the risk from liquidity risk, issuer and market changes brought about by the risk. This is because capital preservation is not like the general open-ended redemption at any time, and some uncontrollable risks such as managers and market changes.