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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
主要外賣
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.
有不同類型的共同基金,旨在滿足不同的投資目標和風險偏好。
股票型基金作為最受歡迎的投資類型,在不確定性或風險水平較高的情況下提供了最高的潛在收益。
Mutual funds offer an easy and smart way to diversify your investment, usually in stocks, bonds, debts, and so on.
共同基金提供了一種簡單而聰明的方式來分散你的投資,通常是股票、債券、債務等。
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.
有不同類型的共同基金,以適應投資者不同的投資目標和風險偏好。瞭解每種類型的共同基金對於選擇適合您投資策略的正確基金至關重要。
Types of mutual funds
互惠基金的類型
Generally speaking, there are five common types of mutual funds: equity funds, fixed-income funds, money market funds, balanced funds, and index funds.
一般來説,共同基金有五種常見類型:股票基金、固定收益基金、貨幣市場基金、平衡基金和指數基金。
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.
這些具有不同特點的共同基金有一個共同點:風險與回報成正比。有些風險很高,但潛在收益很高,有些風險很低,但收益一般。以下是最常見的共同基金類型的詳細介紹。
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.
股票基金是最受歡迎的共同基金之一,可以讓投資者進入股市。
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.
與其他類型的基金相比,股票型基金可能帶來更高的潛在收益,但也具有更大的潛在波動性。因此,它們更適合追求高回報的激進投資者。為了分散風險,股票基金通常會在一系列行業建立股票投資組合。
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,也被稱為債券或債務基金,為投資者提供了參與債券和債務市場的便捷途徑。
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.
如果你期待穩定的回報,這些基金可能是合適的選擇。與股票基金不同,固定收益基金通過投資政府債券、投資級公司債券、高收益公司債券和其他債務工具,旨在獲得適度但相對穩定的回報。
Money market funds
貨幣市場基金
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.
貨幣市場基金是另一種主要的共同基金,通常投資於短期債務工具,如國庫券、存單和政府債券。
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.
貨幣市場基金可以為你提供高流動性,儘管風險和回報水平較低。這些工具通常是短期和高質量的計息證券,這使得貨幣市場基金成為更安全的選擇。
Balanced funds
平衡資金
If you are looking for a combination of moderate returns with comparatively low risk, a balanced fund could be an ideal choice.
如果你正在尋找適度回報和相對較低風險的組合,平衡型基金可能是一個理想的選擇。
This kind of funds invest in various asset classes, including stocks, bonds and money market instruments.
這類基金投資於各種資產類別,包括股票、債券和貨幣市場工具。
Index funds
指數基金
Index funds are designed to track particular specific indexes, such as $S&P 500 index(.SPX.US)$ and $NASDAQ(200302.US)$ indexes.
指數基金旨在跟蹤特定的特定指數,例如$標準普爾500指數(.SPX.US)$和$納斯達克(200302.US)$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.
這些基金應該能反映出標的指數的表現。與主動管理型共同基金不同,指數基金提供了廣泛的市場敞口,但也提供了較低的交易成本選擇,因為它們對基金經理的依賴較少。
For more investment knowledge and trends, welcome to Courses on the Community.
欲瞭解更多投資知識和趨勢,歡迎訪問課程關於社區。
moomoo是Moomoo Technologies Inc.公司提供的金融資訊和交易應用程式。
在美國,moomoo上的投資產品和服務由Moomoo Financial Inc.提供,一家受美國證券交易委員會(SEC)監管的持牌主體。 Moomoo Financial Inc.是金融業監管局(FINRA)和證券投資者保護公司(SIPC)的成員。
在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
在澳大利亞,moomoo上的金融產品和服務是通過Futu Securities (Australia) Ltd提供,該公司是受澳大利亞證券和投資委員會(ASIC)監管的澳大利亞金融服務許可機構(AFSL No. 224663)。請閱讀並理解我們的《金融服務指南》、《條款與條件》、《隱私政策》和其他披露文件,這些文件可在我們的網站 https://www.moomoo.com/au中獲取。
在加拿大,透過moomoo應用程式提供的僅限訂單執行的券商服務由Moomoo Financial Canada Inc.提供,並受加拿大投資監管機構(CIRO)監管。
在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
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., 是關聯公司。
風險及免責聲明
moomoo是Moomoo Technologies Inc.公司提供的金融資訊和交易應用程式。
在美國,moomoo上的投資產品和服務由Moomoo Financial Inc.提供,一家受美國證券交易委員會(SEC)監管的持牌主體。 Moomoo Financial Inc.是金融業監管局(FINRA)和證券投資者保護公司(SIPC)的成員。
在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
在澳大利亞,moomoo上的金融產品和服務是通過Futu Securities (Australia) Ltd提供,該公司是受澳大利亞證券和投資委員會(ASIC)監管的澳大利亞金融服務許可機構(AFSL No. 224663)。請閱讀並理解我們的《金融服務指南》、《條款與條件》、《隱私政策》和其他披露文件,這些文件可在我們的網站 https://www.moomoo.com/au中獲取。
在加拿大,透過moomoo應用程式提供的僅限訂單執行的券商服務由Moomoo Financial Canada Inc.提供,並受加拿大投資監管機構(CIRO)監管。
在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
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., 是關聯公司。
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