A fund means that many people give a fund company a lot of money to buy stocks or bonds. Funds with a large proportion of funds to buy stocks are stock funds. The funds used to buy bonds are bond funds. Hybrid funds are funds that buy bonds and stocks in a certain proportion. Fund investors will give money to fund companies, and professionals from fund companies will speculate in stocks or bonds, which has more advantages than ordinary investors in terms of technical level and time, and the profit opportunities are much greater. Therefore, investors need to pay certain labor costs to the fund company, that is, the subscription fee, subscription fee, redemption fee and management fee of the fund. Many investors think that the fund will make a steady profit, which will have a very serious impact. Investing in stock funds is an indirect investment in stocks. The stock selected by the fund company has gone up, the fund company has made money, and the net value of the fund is naturally high. On the contrary, the stocks selected by the fund company fall, the fund company loses money and the fund net value is low. Therefore, the stock fund is most affected by the fluctuation of the stock market, and its risk is also the biggest among the funds, second only to stocks. Because hybrid funds mainly invest in stocks and bonds, the risk is medium to high.

Bond funds invest in bonds with low risk. Money funds are low-risk investments and generally do not lose money. Fund investment expenses, stock funds: subscription expenses are about 1.5%, and redemption expenses are 0.5% (within one year). Generally, redemption fees are exempted for more than three years. Bond fund: the subscription fee is about 0.8%; The redemption fee is 0. 1%-0.3% (within one year), and it is generally free for more than three years. Monetary Fund: No charge. Note: The rates of purchasing funds at bank counters, bank online banking, fund company websites and third-party purchasing websites are different, among which the fund company websites and third-party purchasing websites are the most favorable, generally at a discount of 4-6%. Fixed investment fund, fixed investment fund is the simplest way of fund investment, and long-term investment time can spread the investment cost equally. When the market falls unilaterally, it is the best time to start a fixed investment. Dacheng Fund reminds you that the fixed investment needs long-term accumulation to see the effect, and it is recommended to hold the fixed investment fund at least 1 year. The types of fixed investment funds can be locked in stock funds and hybrid funds. Don't consider monetary funds and principal guaranteed fund, because the income of such funds is too small to get any income from fixed investment.