[Menierofe]

Obligatory pension funds here operate by having 80% or so of their investments in government bonds and the rest is in stocks and derivatives.

I don't know if such conservative investing policy has a name.

[IoninnyHaro]

It could be a cautious managed fund, that would have roughly that kind of balance between assets, but it wouldn't usually guarantee any profit (if you actually mean guarantee, rather than it just having ~80% in safe assets?).

It could be an absolute return fund, of the old style, ie. not a hedge fund or a hedge fund-lite (like a 130:30 fund) but one that guarantees a certain return and then gambles with the rest. For example, if you can get a 5% yield in bonds, it guarantees a 4% yield, invests 80% in the bond market to make sure it meets it, and then invests the other 20% in risky assets that mean it could give a higher than 5% yield.

There's no set name for that, there are many types of fund that would provide that type of exposure.

[fluoxet]

But I add, the only time I tend to look at these things is when they are fraudulent.

[Centurnion]

They have minimum investment periods though? Usually at least five years?

[Agedprepdoock]

Originally posted by Dauphin
(Fixed) income and growth fund?

There are so many fund types out there that there is no set names afaik. I'd guess this is correct. AFAIK a fixed income and growth fund doesn't assure any investment but the managers use very cautious principles investing in stocks with high dividends in order to give elderly people monthly (or quarterly) income along with a small amount of growth in principle. These are considered low risk but low yield investments.

Mostly retired people invest in these sort of funds since they no longer have earnings ability to make up loses and need the income since they are no longer working. Ideally, people invest in high risk but high return investments while young and slowly move over to low risk low return investments by the time they retire.

[GroosteFoessy]

Don't remember what was it exactly that I said, but this could be either a mixed equity/fixed income fund, or alternatively, a capital-protected index linked note. It's basically when you lend the bank money at zero interest, they take the interest that they would otherwise owe you and buy some options on the reference asset.

They rip your eyes out with these babies