Which of the following four types of funds is better 20

The income is the best, if you want to buy, the first choice is E Fund.

Currency** has the lowest risk and low returns, but there is no handling fee for purchase and redemption, which is suitable for investors who pursue low risk, and the currency ** of investment is good.

The mixed ** risk is relatively diversified, the return is in the middle, Harvest's is very good, and Harvest ** is known as the most stable**.

The risk of the bond type is lower than that of the ** type, and the return is second only to the ** type, and Harvest has a special bond type**, and the performance is also good, which is worth investing.

I recommend buying **sex**.

Judging from the current market environment, the **sexual** has made quite a lot of profits in a short period of time, such as: 110009 E Fund Value** has been subscribed since August this year, and the cumulative net value has accumulated so far yesterday.

519018 Tianfu Equilibrium began to subscribe in October this year, to yesterday's cumulative net value 260108 Invesco Great Wall Emerging Growth began to subscribe in September this year, to yesterday's cumulative net value 270006 GF Strategy preferred to subscribe from August this year, to yesterday's cumulative net value like this **sex**countless, if you want to have a high return, you must buy**sex**.

The so-called ** refers to the ** management company established by some specific sponsors, raising funds in the form of ** certificate units, and investing in the money market and capital market in a unified manner, and the asset portfolio income formed by these instruments will be paid to the ** certificate unit holders after deducting a certain percentage of management expenses according to certain rules.

It is a share certificate issued by the share to the investor when raising capital. **Represents the ownership of the joint-stock company by its holders (i.e. shareholders). This ownership is a comprehensive right, such as participating in shareholders' meetings, voting, and participating in major decisions of the company.

Receiving dividends or sharing dividends, etc. Each copy of the same category** represents equal ownership of the company. The size of the ownership share of the company owned by each owner depends on the proportion of the number of shares held by the owner in the total share capital of the company.

Generally, it can be transferred for consideration through sale and purchase, and shareholders can recover their investment through transfer, but they cannot require the company to return their capital contributions. The relationship between shareholders and the company is not a creditor-debtor relationship. Shareholders are the owners of the company, and they have limited responsibilities to the company to the extent of their capital contributions, bear risks, and share the benefits.

**Trading is a form of trading that concentrates on trading standardised forward contracts. That is, the two parties to the transaction buy and sell a specific quantity and quality of commodities at a specific time and place in the future at a specific time and place in accordance with the terms of the contract on the **exchange. The ultimate purpose of the transaction is not the transfer of commodity ownership, but the purchase and sale of contracts to avoid spot risks.

It's a lot less risky than that. If you have a strong tolerance, you can buy a **type**, which is riskier but more profitable. If you have a low tolerance, you can buy some hybrid** or currency**, which is relatively risky but also low in profit.

According to different criteria, **investment** can be divided into different categories:

1) According to whether the unit can be increased or redeemed, it can be divided into open-ended and closed-ended. Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

2) 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**.

3) According to the different investment risks and returns, it can be divided into growth, income and balance**.

4) According to the different investment objects, it can be divided into ****, bonds**, money market**, ****, etc.

The first one, currency**, currency** is the kind of Yue Bao, the risk is very low**, the income is higher than the bank, but it is also a relatively low one. The profit is about three percent. The second type, bonds**, bonds** are used to buy bonds**.

Its risk is higher than that of the currency**, but the return is also a little higher than the currency**, about six percent. The third type, hybrid**, is the risk higher than the previous two, and the return is also higher than the first two**. The fourth, ****, **** is more than 90% of the **used to buy**, and it is the riskiest one.

The fifth, index, index, is a passive investment, it is to follow, usually, as long as you hold it for a long time, you can get the same income as **. There are about 10 to 15 percent of the annual income, which is still relatively objective. The sixth type, which is explained separately, has an ABC in its name, and this ** actually belongs to one of the above types, but with ABC.

No matter what kind of **, it is risky, but the difference between high and low risk, just like Alipay, it is actually risky, but the risk is very low, we usually think that it is riskless. And **** seems to be very risky, because its essence is **, but in fact, knowing how to buy and sell strategies can also live a lucrative life. But when you haven't studied systematically, don't buy it casually, otherwise you will lose your real money**.

The financial mavericks are a family that solves doubts for you and the general public; The products of the propaganda enterprise are familiar to everyone; Stay in the country to inherit and benefit people.

Hybrid, **, Bond, Index, FOF, QDII, Currency.

If you want to do **, there are both Shanghai and Shenzhen stock markets. There are two types: open and closed.

**Divided into the following categories:

1.Medium and high-risk **: such as **type**, mixed **, mainly invest in**, **has a great impact on it, if you want to invest in**, but you don't have time to take care of it, you can consider this**.

2.Medium and low risk**: For example, bond type**, mainly invested in the bond market, a very small part of the investment in **, this kind of ** is relatively stable, the fluctuation is not large, the average annual return in 5-10% is normal, some years of income will be higher than 10%, some years of income may also be negative.

3.Risk-free**: For example, in the money market**, the level of return is slightly higher than that of a 1-year fixed deposit. It is a substitute for savings.

China's financial development is relatively late, and many financial derivatives have not yet appeared or matured, but they are relatively rich varieties with many categories.

From the investment target, there are currencies, bonds, hybrids, etc., which are invested in different financial products.

Purely from the first division, it is divided into venture capital, industry, etc. in the primary market; The secondary market is the public and private placements that we often come into contact with.

In the selection, the scale is also one of the more important indicators. Some ** is the bigger the scale, the better, but some are the best in moderate. So what is the best size? Let's take the four common categories** as examples.

First, the active ****, moderate scale is the best

If the scale of this type is too small, the cost of amortizing the cost to the unit share will increase, which will have a certain impact on the expected income of the holder. Moreover, the small-scale **, **redemption has a greater impact on the management of the manager**, and the ultimate loss is still the holder.

If it's too large, it's more difficult for managers to manage. There are more external funds, and managers need to allocate more, and there are so many high-quality listed companies, and the research direction of the team is also limited, and it is impossible to track too much. Secondly, it is difficult to adjust the position of the large-scale **, and even if the position is adjusted, it will have a greater impact on the position**.

Second, exponential ****, the larger the scale, the better

The index is rarely actively operated, and the manager only needs to consider the impact of redemption on the net value. The larger the index, the smaller the impact of the redemption on the net worth. For exchange-traded ETFs, the larger the size, the better its liquidity.

Third, the bond type**, the scale is smaller

There are not many requirements for the scale of the bond type, the minimum is not less than 50 million, and the maximum is not more than 10 billion for a long time. If it is too low, there is a risk of liquidation, and if it is too high, it may not be possible to buy so many high-quality bonds, which will increase the difficulty of management in vain.

Fourth, the currency **, the scale is larger

The most important thing in currency is liquidity, so the larger its scale, the better, of course, if you get to a huge amount like Yu Bao, you should also control it and pay attention to the risk. Generally speaking, it is more appropriate to choose a currency**, and choose tens of billions or hundreds of billions.

The types are**Type**, Currency**, Hybrid**, Other**, Bond**, Index**. According to the different forms of organization, it can be divided into contract type and company type, but in China, all ** are contract **, and company ** is common in developed capital markets such as Europe and the United States. **Type** refers to **Assets invested in more than 60% of**, such as CUAM Advantage Selection; Bond type refers to more than 80% of the assets invested in bonds, such as ChinaAMC bonds.

Hybrid** refers to the ratio of **investment and bond investment that does not meet the requirements of **type and bond type**, such as Harvest Theme Selection.

Data Extensions. According to the different investment objectives, it can be divided into growth, income, and balance. The basic goal of the growth type is the pursuit of capital appreciation, and the investment object is mainly to the ** with good growth potential; The basic goal of income type is to pursue stable recurring income, and it mainly invests in stable income such as blue chip stocks, corporate bonds, and bonds; Balanced** focuses on both capital appreciation and current income.

According to different investment philosophies, it can be divided into active and passive (exponential). Active** is a type of group that seeks to outperform the benchmark portfolio. Unlike active, passivity** does not actively seek to outperform the market, but rather attempts to replicate the performance of the index.

Passive** generally selects a specific index as the tracking object, so it is often referred to as an index**. Index type ** can be divided into two kinds, one is a pure index **, its assets are almost all invested in the constituent stocks of the index it tracks, almost always full position, even if the market can clearly see that it will continue in the next six months, it also maintains a full position, does not make a positive **judgment. Another type of exponential type is exponentially enhanced.

This kind of investment is based on pure indexation investment, according to the specific situation of the market, and make appropriate adjustments.

There are many types of grading, there are **type of classification**, **type of classification** there are index classifications of all walks of life**, for example, China Merchants CSI Coal Index classification, that is, the index classification of the coal industry in A-shares**, the classification of bonds**, and the classification of QDII type**, under which there will be many subdivisions under several large varieties, so I will not talk about them one by one. Here is what is called grading**, the principle of grading ** is that a certain ** is divided in**a and**b, you can understand that a mother gave birth to 2 children, one is a child a and one is a child b, a child is a conservative investment style, and b child is an aggressive investment style, because b is an aggressive investment style, so b will borrow money from a to invest, if **b makes money, then a can not share b a penny, can only share interest income, this is because** Once B loses the money he earns, all the responsibility is borne by B.

Therefore, as an investor, we believe that the investment rating depends on what their risk appetite is, if you want to pursue high profits, then the rating B is a very good choice, and if you are a stable investor, then the rating A is the best choice. However, there is no need to know about grading**, because there is no grading on the market now. Because at the end of 2020, the classification ** has withdrawn from the stage of history.

As for why it should be canceled, I personally think that the management thinks that the leverage attribute of grade **b brings relatively large risks, which is not very beneficial to the asset protection of investors, so I personally think that it is a good thing for the grade ** to withdraw from the historical stage. Another reason is that according to the provisions of the new regulations on asset management, it is not allowed to have a fixed guaranteed return, so from this perspective, there is a conflict with the relevant regulations, so I personally feel that the exit of the grading ** has a great relationship with these two points.

Of course, now that the classification has withdrawn from the stage of history, there is no need for us to care about it anymore. You can look for investment varieties that are more suitable for you.