(1) According to the different transaction modes of funds, they can be divided into open-end funds and closed-end funds. Open-end funds can be purchased and redeemed at any time, with strong liquidity; Closed-end funds have a certain period of closure, generally between 5 years and 15 years. During this closed period, subscription and redemption can not be considered, but only through the secondary market. These two types of funds are two basic types of funds, in addition to capital preservation funds, graded funds and hedge funds.
(2) According to different investment objects, funds can be divided into money funds, bond funds, stock funds, hybrid funds and index funds. Money funds are mainly tools for investing in short-term money markets, such as central bank bills, bank time deposit certificates, short-term bonds, etc. This kind of fund products have low risk, strong liquidity and relatively stable but not high returns.
(2) According to the different transaction modes of funds, they can be divided into open-end funds and closed-end funds. Open-end funds can be purchased and redeemed at any time, with strong liquidity; Closed-end funds have a certain period of closure, generally between 5 years and 15 years. During this closed period, subscription and redemption can not be considered, but only through the secondary market. These two types of funds are two basic types of funds, in addition to capital preservation funds, graded funds and hedge funds.
1. The money fund does not display the net value, because the net value is fixed and the unit net value is 1. Its income will be automatically converted into the share we hold, and the increase in share is equivalent to the increase in income. Here is a point: unlike other types of funds, ABC after the name of the money fund represents the threshold for subscription. In most cases, the purchase threshold of A is lower, and the purchase threshold of B or C is higher.
2. But the sales service fee of B is lower than that of A, so the overall income is higher. For other types of funds (bonds, stocks, etc. ), the letters after the fund name represent different charging modes. Generally speaking, A charges a subscription fee at the time of purchase, while C charges a sales service fee although it does not charge a redemption fee. Calculated, short-term holding of funds is suitable for choosing C, and long-term holding is suitable for choosing A.. Bond funds are funds that invest more than 80% of their assets in bonds. If subdivided, bond funds can be divided into pure debt, partial debt (mixed debt) and convertible bonds.