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Different types of mutual funds
Different types of mutual funds
Key takeaways
There are different types of mutual funds designed to meet various investment goals and risk appetites.
As the most popular type, equity funds provide the highest potential returns with high levels of uncertainties or risks.
Mutual funds offer an easy and smart way to diversify your investment, usually in stocks, bonds, debts, and so on.
There are different types of mutual funds to suit investors' diverse investment goals and risk appetites. Understanding each type of mutual funds is vital for choosing the right fund that fits your investment strategy.
Types of mutual funds
Generally speaking, there are five common types of mutual funds: equity funds, fixed-income funds, money market funds, balanced funds, and index funds.
Those mutual funds, with different features, have one thing in common: the risks are proportional to the returns. Some have high risks but high potential returns and some have low risks but average returns. Here's a detailed look at the most common types of mutual funds.
Equity funds
Equity funds are one of the most popular mutual funds, which give investors access to the stock market.
Compared with other types of funds, equity funds may bring higher potential returns, but also have greater potential volatility. Therefore, they're more suitable for aggressive investors who pursue high returns. To spread around risks, equity funds usually build a portfolio of stocks over a range of industries.
Fixed-income funds
Fixed-income funds, also known as bond or debt funds, provide easy access for investors to participate in bond and debt markets.
If you expect stable returns, these funds may be suitable choices. Unlike equity funds, fixed-income funds aim to have moderate but relatively stable returns by investing in government bonds, investment-grade corporate bonds, high-yield corporate bonds, and other debt instruments.
Money market funds
Money market funds, another major type of mutual funds, often invest in short-term debt instruments such as Treasury bills, certificates of deposit, and government bonds.
Money market funds can provide you with high liquidity, though low levels of risks and returns. Those instruments are generally short-term and high-quality interest-bearing securities, which makes money market funds a safer choice.
Balanced funds
If you are looking for a combination of moderate returns with comparatively low risk, a balanced fund could be an ideal choice.
This kind of funds invest in various asset classes, including stocks, bonds and money market instruments.
Index funds
Index funds are designed to track particular specific indexes, such as $S&P 500 index(.SPX.US)$ and $NASDAQ(200302.US)$ indexes.
These funds should mirror the performance of the underlying index. Unlike actively managed mutual funds, index funds provide a wide range of market exposure, but also offer lower transaction cost options because they rely less on fund managers.
For more investment knowledge and trends, welcome to Courses on the Community.
Key takeaways
主要外卖
There are different types of mutual funds designed to meet various investment goals and risk appetites.
As the most popular type, equity funds provide the highest potential returns with high levels of uncertainties or risks.
有不同类型的共同基金,旨在满足不同的投资目标和风险偏好。
股票型基金作为最受欢迎的投资类型,在不确定性或风险水平较高的情况下提供了最高的潜在收益。
Mutual funds offer an easy and smart way to diversify your investment, usually in stocks, bonds, debts, and so on.
共同基金提供了一种简单而聪明的方式来分散你的投资,通常是股票、债券、债务等。
There are different types of mutual funds to suit investors' diverse investment goals and risk appetites. Understanding each type of mutual funds is vital for choosing the right fund that fits your investment strategy.
有不同类型的共同基金,以适应投资者不同的投资目标和风险偏好。了解每种类型的共同基金对于选择适合您投资策略的正确基金至关重要。
Types of mutual funds
互惠基金的类型
Generally speaking, there are five common types of mutual funds: equity funds, fixed-income funds, money market funds, balanced funds, and index funds.
一般来说,共同基金有五种常见类型:股票基金、固定收益基金、货币市场基金、平衡基金和指数基金。
Those mutual funds, with different features, have one thing in common: the risks are proportional to the returns. Some have high risks but high potential returns and some have low risks but average returns. Here's a detailed look at the most common types of mutual funds.
这些具有不同特点的共同基金有一个共同点:风险与回报成正比。有些风险很高,但潜在收益很高,有些风险很低,但收益一般。以下是最常见的共同基金类型的详细介绍。
Equity funds
股票型基金
Equity funds are one of the most popular mutual funds, which give investors access to the stock market.
股票基金是最受欢迎的共同基金之一,可以让投资者进入股市。
Compared with other types of funds, equity funds may bring higher potential returns, but also have greater potential volatility. Therefore, they're more suitable for aggressive investors who pursue high returns. To spread around risks, equity funds usually build a portfolio of stocks over a range of industries.
与其他类型的基金相比,股票型基金可能带来更高的潜在收益,但也具有更大的潜在波动性。因此,它们更适合追求高回报的激进投资者。为了分散风险,股票基金通常会在一系列行业建立股票投资组合。
Fixed-income funds
固定收益基金
Fixed-income funds, also known as bond or debt funds, provide easy access for investors to participate in bond and debt markets.
固定收益基金,也被称为债券或债务基金,为投资者提供了参与债券和债务市场的便捷途径。
If you expect stable returns, these funds may be suitable choices. Unlike equity funds, fixed-income funds aim to have moderate but relatively stable returns by investing in government bonds, investment-grade corporate bonds, high-yield corporate bonds, and other debt instruments.
如果你期待稳定的回报,这些基金可能是合适的选择。与股票基金不同,固定收益基金通过投资政府债券、投资级公司债券、高收益公司债券和其他债务工具,旨在获得适度但相对稳定的回报。
Money market funds
货币市场基金
Money market funds, another major type of mutual funds, often invest in short-term debt instruments such as Treasury bills, certificates of deposit, and government bonds.
货币市场基金是另一种主要的共同基金,通常投资于短期债务工具,如国库券、存单和政府债券。
Money market funds can provide you with high liquidity, though low levels of risks and returns. Those instruments are generally short-term and high-quality interest-bearing securities, which makes money market funds a safer choice.
货币市场基金可以为你提供高流动性,尽管风险和回报水平较低。这些工具通常是短期和高质量的计息证券,这使得货币市场基金成为更安全的选择。
Balanced funds
平衡资金
If you are looking for a combination of moderate returns with comparatively low risk, a balanced fund could be an ideal choice.
如果你正在寻找适度回报和相对较低风险的组合,平衡型基金可能是一个理想的选择。
This kind of funds invest in various asset classes, including stocks, bonds and money market instruments.
这类基金投资于各种资产类别,包括股票、债券和货币市场工具。
Index funds
指数基金
Index funds are designed to track particular specific indexes, such as $S&P 500 index(.SPX.US)$ and $NASDAQ(200302.US)$ indexes.
指数基金旨在跟踪特定的特定指数,例如$标准普尔500指数(.SPX.US)$和$纳斯达克(200302.US)$索引。
These funds should mirror the performance of the underlying index. Unlike actively managed mutual funds, index funds provide a wide range of market exposure, but also offer lower transaction cost options because they rely less on fund managers.
这些基金应该能反映出标的指数的表现。与主动管理型共同基金不同,指数基金提供了广泛的市场敞口,但也提供了较低的交易成本选择,因为它们对基金经理的依赖较少。
For more investment knowledge and trends, welcome to Courses on the Community.
欲了解更多投资知识和趋势,欢迎访问课程关于社区。
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
风险及免责提示
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
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