What fund to buy for the best returns. Seek low risk

Benefits and risks exist in pairs. There is no risk, and the return is good.

The type is the most volatile, and the returns are best when it's good, but the risks are the same.

Bond** is low risk, and the return is not too high.

Currency** is risk-free, and the yield can only be more than bank deposits.

Equity-biased** can reduce risk through regular investment and long-term holding.

Risk and return are not only related to the direction of investment, but also related to your holding time.

It's hard to have both fish and bear's paws. Here are 3 types of ** to consider taking a look at:

1. The least risky is the currency**, which is expected to have an annual yield of about 4% this year;

2. You can also consider buying graded bonds**Class A, which has guaranteed returns, and now some ** companies provide an annual yield of 5-6%, with little risk, but it is generally necessary to close the operation for 3 months or half a year before it can be redeemed.

3. Capital protection** can also be considered, there is capital preservation under it, there is no cap on it, and the closure period is 2-3 years.

There are risks in investment, and there are risks in wealth management products in theory. It still depends on what you want, high return and high risk, low return and low risk, according to your preferences and tolerance. If you like to do foreign exchange or these transactional investments, you can also choose a lower threshold, trading simpler and more flexible binary options trading, in foreign countries is more popular, at present, many traditional foreign exchange trading platforms have launched binary options trading, the largest binary options trading platform is meetrader, you can choose **, foreign exchange, index, commodities, etc. as the underlying assets of the transaction, only need to judge the direction of rise and fall to choose bullish or bearish, do not need to consider the magnitude of the rise and fall, The threshold is very low, the trading time can be one minute, one hour, one day, etc., and the single profit is generally up to 80%, which is a pre-fixed income and risk trading method.

If you want fixed income, then choose some fixed-income wealth management products of large companies with a good reputation, and get fixed income for a fixed period.

Yes. There are risks involved in any investment. High risk and high return, low risk and low return. Relatively speaking, the risk of ** is definitely greater than that of bank deposits; But if it's a low risk.

This is because: 1. In addition to **, ** will often hold or even only hold investment instruments such as bonds, as well as a certain amount of cash;

2. The number of **holding** is large, which can diversify the **risk.

Nowadays, when many people buy financial products, they will basically choose to invest, but it should be noted that there are also risks, and the higher the risk, the higher the return. So do netizens know what ** has the highest returns? Interested netizens, let's take a look.

Generally speaking, the common types of ** are currency**, bonds**, hybrid**, ****, etc. Generally, currencies and bonds are low-risk, relatively compared with mixed currencies and bonds, and the returns are very low, but they are relatively stable, and there will be no big fluctuations, and they are basically positive returns.

However, the hybrid ** and ** are relatively volatile**, and their benefits and risks are far greater than.

Currencies and bonds, in short, are the same money you buy, usually a mixture.

Therefore, when buying, in addition to paying attention to the income and what to buy is the most profitable, you should also pay attention to its risk, and know your ability to bear risks, for example, if you have 100,000 yuan, you can't put 10

10,000 yuan to buy **** or mixed**, although **** or mixed** is more profitable, but at the same time the same is the same when you lose money.

At present, there are three types of low-risk products in the market: currency, bonds, and capital protection. Currency ** is the lowest degree of risk or the lowest ** product, in general, there is almost no risk of Sofan, its annualized rate of return is generally between, in addition, the purchase and redemption of currency ** is free of handling fees, and the arrival time is only one or two trading days.

Bonds** generally require more than 80% of assets to be invested in bonds, in addition to 20% reserved for new stocks or **investment in the primary market**. Therefore, in the previous major adjustment, some bonds with a certain amount of **** performed much worse than the net value of pure bonds, but for very few bonds, they have achieved positive returns, and this year's income is generally around 8.

Capital Preservation**: Being able to ensure the safety of the investment principal is one of the most significant features of capital preservation**. First of all, the capital protection** can only use the part of the income that can be earned from bond investment to engage in the corresponding venture capital, and the principal is safe.

In addition, the capital preservation ** is generally guaranteed by a third party.

**The risk of wind failure and seepage of Chahe Ridge is also directly proportional to the return, and the higher the return, the greater the risk. Shed tremor.

The general order of risk from low to high is: Currency, Bonds, Hybrid, Mixed.

Different risks are different, such as currencies and bonds, which are low risk, and mixed, are medium and high risk, so we cannot generalize about the risk, but must talk about the type of risk. But no matter what it is, the risk exists, but the probability of low-risk loss is relatively small, while the medium-high risk and high risk may be lost.

**Usually divided into two kinds, one is the index**, one is the initiative**, these two ** have their own benefits, in short, the index ** is based on the index compilation rules **** to form a package**, the index ** is characterized by the time, completely according to the rules**, no manual operation.

Many people say that it is better to buy**than raise**, **there is a risk of skyrocketing**, **it is much safer. So is it risky to buy**? Any investment is risky, and it is no exception, the difference is how much it is risky, and what factors it is associated with.

1. Is it risky to buy **?

1. The professional level of the manager.

Investment is actually the investor's money in the management and operation of the company and the manager, and the profit is made through the manager's investment. Therefore, the professionalism of the manager will directly affect the investment income.

To judge the professional level of the manager, you can roughly understand it from his resume, including the number of years of experience, the number of management and past performance, etc.

If the manager is not professional, then the probability of human error will be greater, such as mismatch of investment horizons, and even unethical behaviors such as rat traps.

2. Investment losses.

The investment targets of currencies and bonds** are mainly fixed income products such as treasury bonds, so the probability of losses is small. But in the hybrid and the a**, a large percentage is invested. If there is a business problem with the heavy holding, then the loss is inevitable.

Second, the risk is not large.

The size of the risk can be roughly judged from the type, generally speaking, the investment risk type "hybrid type" bond type "currency type". Currency** does not invest in **, the proportion of bond** investment** generally does not exceed 20%, and pure debt bonds** do not invest**, so the risk of currency** and bond** is low. In particular, the currency** is regarded as a quasi-savings investment product by investors, and the probability of principal loss is almost zero.

**Enter venture capital, but its risks are also different, and the risks of investing in different types of investments are also different, so it depends on your tolerance.

It depends on what type of ** you buy, the risk of currency and bonds is small, and the ** type is relatively risky, but it still depends on the time of buying and the level of operation of the manager to judge.

1. In addition to currency**, bonds**, these two fixed income products, fixed income + strategy** is a typical representative of stable income, with bond assets as the base, with a small part of the **** thickening income, and there is a hedging strategy, the use of ** and stock index ** for long and short hedging, there are not many such ** in the market, and there are more and more fixed income + strategies in recent years.

2. When investors choose, they should first look at the maximum drawdown data, and it is generally believed that the maximum drawdown indicator does not exceed 3% when the income is stable. In addition, it is necessary to look at the volatility data, try to choose the volatility data less than 5%, the volatility is to describe the amplitude of the up and down fluctuations, combined with the volatility and the maximum drawdown data can be seen the profit and loss range.

Extended Materials. Classify.

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 **. It is established in the form of an investment company through the issuance of shares, which is usually called a company; It is established by the manager, the custodian and the investor through a contract, which is commonly referred to as a contract. 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 four categories: bonds, currencies and hybrids.

2. Balanced type can be roughly divided into two types: one is the balanced type of stock and debt, that is, the manager will adjust the proportion of stock and debt allocation in a timely manner according to the changes. When the manager is bullish, he will increase the allocation of bonds, and when he thinks that there is a possibility of a correction in the market, he will increase the allocation of bonds accordingly.

Another balanced type ** in the balance of stocks and bonds at the same time, more emphasis on dividends, more consideration of pockets for safety, is also one of the ways to avoid risks. For example, the contract stipulates that dividends must be paid when the realized income exceeds the bank's one-year fixed deposit interest rate (before tax) times.

Investors who prefer dividends may want to consider this**.