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Looks like I, as a professional, should really write a book......
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Summary. Hello, I'm glad to answer your questions. Hybrid** refers to a portfolio that has both growth**, income**, and fixed income investments such as bonds.
The purpose of the hybrid design is to allow investors to diversify their investments by choosing a variety of products, without having to buy different styles of ****, bonds** and money markets**. Hybrid** will use both aggressive and conservative investment strategies, and its returns and risks are lower than those of **type**, higher than those of bonds and money markets**, and it is a moderately risky financial product. Some well-functioning hybrids will even exceed the level of ****.
Hybrid** is different from **, bonds**, money market**.
Hello, I'm glad to answer your questions. Hybrid** refers to a portfolio that has both growth**, income**, and fixed income investments such as bonds. The purpose of the hybrid design is to allow investors to diversify their investments by choosing a variety of products, without having to buy different styles of ****, bonds** and money markets**.
Hybrid** will use both aggressive and conservative investment strategies, and its returns and risks are lower than those of **type**, higher than those of bonds and money markets**, and it is a moderately risky financial product. Some well-functioning hybrids will even exceed the level of ****. Hybrid** is different from **, bonds**, money market**.
Extended information: According to the different investment ratios and investment strategies, hybrid types can be divided into various types, such as equity-biased, debt-biased, and allocation-oriented. It is the main investment object.
Through expert management and portfolio diversification, we can diversify risk to a certain extent, but the risk is still the highest among all products, which is suitable for investors with higher risk tolerance. Money market** only invests in money market instruments, and the net value of the share is always maintained at one yuan, which has the characteristics of low risk, low return, high liquidity, and low fees. The money market** is known as a quasi-savings and can be used as a good alternative to bank deposits and a tool for cash management.
Bonds** mainly take various types of bonds as the main investment object, and the risk is higher than that of the money market** and lower than ****. Bonds** obtain stable interest income through the investment of bonds such as treasury bonds and corporate bonds, which have the characteristics of low risk and stable income, and are suitable for the needs of prudent investors with low risk tolerance.
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Hybrid** refers to investing in instruments such as **, bonds, and money markets at the same time, with no clear investment direction**. Its risk is lower than that of ****, and the expected return is higher than that of bonds**. It provides investors with a tool to diversify their investments across different assets, which is more suitable for more conservative investors.
The types include: hybrid** according to the asset investment ratio and its investment strategy, it is further divided into equity-biased ** (**allocation ratio 50%-70%, bond ratio is 20%-40%), debt-biased ** (just the opposite of equity-biased **), balanced ** (**, bond ratio is relatively average, roughly around 40%-60%) and allocation ** (equity-bond ratio is adjusted according to market conditions) and so on.
Ping An Bank has a variety of **products, different**, risk, return and investment direction are different, you can log in to Ping An Pocket Bank APP-Home-Finance-** channel, to understand and buy.
2. The above information is for reference only, there are risks in entering the market, and investment needs to be cautious. Before making any investment, you should ensure that you fully understand the investment nature and risks involved in the product, and carefully evaluate the product in detail before making your own judgment on whether to participate in the transaction.
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Hybrid**, in fact, does not meet the requirements of **type ** and bond type in the **contract, and then the investment target is still the ** bond market **.
The specific definition of hybrid type is: in the contract, it does not meet 80% and does not meet 80% of the bond.
Note that the requirements here and bonds are the requirements specified in the contract. For example, **type**, **** must be above 80%, and cannot be less than 80% at any time (except for the opening period). In the case of mixed type, **** can be 0, can be 90%, can be more than 80%, and is not recognized as **type**.
The same is true for hybrid bonds.
So why is there such a hybrid ** that changes back and forth**. To a large extent, it is hoped that according to the market trend, to adjust the ****, in the best time, more shares, when the bond market is good, more bonds.
But this is only a good hope, and very few ** can reach such a level.
There are many mixed types that are very high, even higher than some **types**, and they are continuously high, high for several quarters in a row. There are also some hybrid bonds** that are very high, less than 10%, which is similar to the secondary bond base, and it is a big loss to buy such a hybrid ** in a bull market.
There is also a more obvious classification in the mix: according to the provisions of the contract, it is divided into flexible configuration, active configuration, and conservative configuration. All three of these give a very common ** ratio:
Flexible configuration type (0-95%), active configuration type (60-95%), conservative configuration type (0-30%).
Therefore, the conservative allocation type is more like a secondary debt base, and the risk is relatively low; The active allocation type is more like the ** type, and the risk is relatively high; There is only a flexible configuration type, which is very different, and it needs to be analyzed for different **.
So, that's why it's not recommended to invest in a hybrid**. Because most of the hybrid ** is flexible allocation**, and the flexible configuration ** has too large a range of changes, it needs to be identified in the quarterly report, whether it is high or low, which is too cumbersome for new investors. It is still a regular investment index type**, simple and effective.
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What does it mean to be hybrid**?
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What is Hybrid**? Features of the Mix**.
Definition. Commingled funds refer to those that invest in both bonds and bonds.
How to invest. To put it simply, it is a combination of **** and bond**. The manager will mix the money in the market and the bond market in different proportions.
When an investor buys a hybrid, he or she buys both the bond in which he or she invests.
Suitable for. Hybrid** is more suitable for investors who are between aggressive and conservative.
From the perspective of investment methods, people who like portfolio investment are more suitable for hybrid investment, because this kind of wealth management product includes **, bonds and monetary instruments, which can diversify capital investment.
Investors can choose appropriate investment strategies and investment ratios according to their own investment habits, and carry out diversified investment, which is much less risky than ****. It is suitable for more conservative investors to invest for the long term. Hybrid is a good choice in the downturn.
Generally speaking, the rate of return of the hybrid type is more than several times the interest rate of bank deposits in the same period, and it will also exceed the income of the currency type, but it is lower than that of the bank deposit in the same period. However, investors can choose to be stock-biased, and the risk they take is not as high as that of **type**, and they can also obtain higher returns.
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1. The mixed main travel mill should be classified according to the different proportion of the underlying asset allocation, which can be divided into partial stock type, partial debt type, stock and debt balance type, flexible allocation type and other types. The allocation ratio of the partial stock type **Yulazhong** is generally 50% to 70%, and the allocation ratio of bonds is generally 20% to 40%.
2. Partial debt ** is the opposite of partial stock **, the proportion of bonds is higher, and the proportion of ** is lower.
3. The allocation ratio of stocks and bonds is relatively balanced, and the proportion of bonds is roughly between 40% and 60%.
4. The flexible allocation type will be adjusted at any time according to market changes, sometimes the proportion of ** is higher, sometimes the proportion of bonds is higher, and sometimes more investment in money market instruments.
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According to the different investment objects, it can be divided into **type**, bond**, hybrid** and money market**.
According to the classification standard of the China Securities Regulatory Commission, more than 60% of the ** assets are invested in **; More than 80% of the **assets invested in bonds are bonds**; Money market if it invests only in money market instruments**; Investing in **, bonds and currency market group instruments, but the ratio of **investment and bond investment does not meet the requirements of **, bond ** is hybrid**.
Mixed type of mountain or hectare**According to the different asset investment ratio and its investment strategy, it can be further divided into equity-biased (allocation ratio of 50%-70%, bond ratio of 20%-40%), debt-biased (just the opposite of equity-biased**), balanced (**, bond ratio is relatively average, roughly around 40%-60%) and allocation (stock-bond ratio is adjusted according to market conditions) and so on. In general, equity-biased** is risky, but the annualized expected return of historical expectations is also higher; The risk of debt-biased** is low, and the annualized expected rate of return is also low. The risk of equity-bond balanced** is more moderate than the expected annualized expected return.
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According to the classification standards of the China Securities Regulatory Commission for the first category, more than 80% of the ** assets are invested in **; More than 80% of the **assets invested in bonds are bonds**; Money market if it invests only in money market instruments**; Investing in bonds, bonds and money market instruments, but the proportion of stock investment and bond investment does not meet the requirements of **, bond ** is hybrid**.
According to the different asset investment ratios and investment strategies, hybrid ** can be further divided into equity-biased (50%-70% allocation, 20%-40% bond), debt-biased (just the opposite of equity-biased), balanced (**, the proportion of bonds is relatively average, roughly around 40%-60%) and allocation** (the proportion of stocks and bonds is adjusted according to market conditions) and so on.
In general, equity-biased** is riskier, but the expected return is also higher; Debt-biased** has lower risk and lower expected yield; The risks and returns of equity-bond balanced** are more modest.
It is recommended to continue to hold at present, according to the current **If you hold the index**or hybrid** has a loss, it should be a period of ** when the point is high or enter the market at a historical high in the previous few years, for your situation should be flat and continue to hold, the reasons are as follows: >>>More
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